Melissa Barnickel Featured in The Daily Record

Posted by Melissa

Melissa Barnickel was featured in The Daily Record on October 26, 2012 in the "Movers & Shakers" section.

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What coverage options can be adjusted so my policy suits my budget?

Long-Term Care insurance has many options and riders that will affect the premium you pay. It is best to talk to an expert to discuss what benefits are most important to you. Some of the...

Why choose Baygroup Insurance?

Baygroup Insurance has over 40 years of combined experience in the Long-Term Care insurance (LTCi), life,...

What factors will affect the health rating I receive for my life insurance policy?

Your rating will be determined by many factors. Your height and weight, tobacco use, cholesterol level, health conditions, and lifestyle, as well as family health history will contribute to your...

What is the cost of a long term care combination insurance product?

Many long term care combination insurance products require a single premium payment. This means that you would pay the bulk sum at the beginning of your policy, rather than writing monthly or...

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.

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Melissa Barnickel Featured in The Daily Record