Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

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Did You Know?

What are the advantages of permanent life insurance?

Permanent life insurance provides a death benefit as long as you live if your premiums are paid. As with all life insurance, the benefits are paid to beneficiaries tax-free. Periodic review of...

Can I still get life insurance if I use tobacco?

Yes. You will not receive a preferred health rating if you use tobacco, so the premiums that you pay will be higher than those a nonsmoker would pay.

Can my spouse and I purchase a Medigap policy together?

No. Each Medigap policy covers only one person. If you and your spouse would both like Medigap insurance, you will have to purchase two separate policies.

What are the advantages of term life insurance?

Term life insurance will give you protection without additional investment or cash-value components. You will pay level premiums for the “term” of your policy. Your policy will be effective as...

Who needs life insurance?

For life insurance, your level of need will depend on your responsibilities and your age. If you have people who depend on your income you need life insurance. The benefit can help your...

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