Marcus Bayly Tri City Insurance and Mortgages LLC

07/12/2023

I saw this movie in Pasco with my 15 yr old, it’s worth watching and I encourage everyone who sees this to go to it. The link allows you to donate tickets or pick up some for yourself.

Gods children are not for sale.

Buy Sound of Freedom tickets, watch trailers and find showtimes near you. In theaters July 4.

05/18/2023

Life insurance gives you a way to ensure the financial security of your surviving loved ones. Protecting those you love is a no-brainer, but selecting a plan can be a head-scratcher. I can help with that. Make an appointment with me today.

Money's guide to what life insurance is and how does it works.

07/23/2021

Washington residents:

You've likely heard by now about the states new LTC tax that's going into effect in the coming year. For W-2 employees this will be a .58 percent tax, for a benefit of 36,500 should you need Long Term Care benefits.

You should know, the state WANTS you to opt out of paying it by purchasing private insurance and your dollar will go much further when you do.

05/04/2021

Are you a W-2 employee in the state of Washington?
If so, we need to talk.
The state of Washington will begin collecting payroll taxes from all W-2 employees at the rate of .58 percent, that means employees earning 100,000 per year will pay 580 dollars a year in payroll taxes to cover Long Term Care for themselves and others, there is no cap, so employees making 250,000 will pay 1450 and so on. Why is this important? You do have the option to opt out by purchasing private insurance, you’re paying for it anyway, why not get more benefit for your money. By the way, you cannot take your state funded benefits with you if you leave the state, so you could pay the tax for years and not receive one red cent in benefit if you retire elsewhere. The maximum benefit under the states plan is 100 dollars a day with a maximum benefit of 36,500. For the same cost, a private plan for most people will pay more in benefit and there is no question about being able to collect your Long-Term Care benefits when you need them. Some Washington residents may actually pay the tax for a few years and not receive a benefit because they plan to retire before they’ve met the required number of years paying the tax.
Here’s the rub, Washington state wants you to opt out, state law has incentivized Washington state residents to purchase private Long Term Care insurance for years. That’s why the top companies that offer it are partnership qualified, more on that later. The state knows they’re off the hook to cover those costs when Washingtonians carry their own plan so it’s not about beating the system but it is prudent planning.
If you’re a Washington state resident that’s compensated on a W-2 or if you’re in charge of your company’s payroll. We should talk. If retirement is around the corner, we should talk, you might be leaving money on the table. I’ve only scratched the surface of how important this is, if you’re married, statistically one of you will need some form of Long Term Care benefit at some point and unfortunately, it is not cheap.
Make your money work for you, or you’ll be working for it, the rest of your life.

12/16/2019

Prepare for a winter storm with these winter storm safety tips from the Red Cross. You should be prepared in order to remain safe during snowstorms and winter storms.

11/12/2019

Do you have a hobby? Are you concerned that the hobbies you have might have some risk to your safety? Hobbies are great, let Sentry Northwest protect you and the ones you love while you're having fun. Life insurance is cheaper and easier to obtain than ever before. Call our office to learn more.

02/12/2019

Before you go out in the snow, ask yourself if the trip is worth your deductible, or a rate increase when you renew.

Best to stay home.

12/29/2018

Anybody ever watch Breaking Bad? Pretty intense show, a man with a family and no savings gets a terminal diagnosis of cancer and has to become a drug lord to leave som**hing behind for his wife and children to live on when he dies.

Long story short he starts cooking crystal m**h and pretty much destroys everyone and everything around him.

The only thing I could think about the whole time I watched it was how avoidable it all was if he had just invested a few nickels in some good life insurance.

A million dollar policy can be as affordable as 20 bucks a month and in many cases, a health exam isn’t even required. Becoming a drug king pin is overrated, buy the life insurance instead. 😃

11/16/2018

It’s that time of year, gift giving, time with family and being thankful for the people we love. Need a gift idea for your spouse or significant other? Nothing says I love you like a life insurance policy, let them know they’re your first priority even if you’re not physically present to take care of them financially.

Life insurance premiums are actually trending downward, it’s about the only thing you can buy now that’s not getting more expensive year over year and in many cases you don’t even need a health exam.

A million dollars in coverage can cost less per month than you spend at Starbucks. Inbox me here to learn more.