Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

A Very Satisfied Customer

The excellent and sufficient time to understand the purchase of a LTCi policy was outstanding. I was not sure and uncomfortable about this step in life and value to me and my family. Melissa was able to clearly and to the level I needed explain, provide answers and work to find the right LTC for me. Thank you - a very satisfied customer.

P.F., Ellicott City, Howard County, MD

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Did You Know?

How do I inform an insurance company a policyholder is deceased?

Write note to the insurance company noting the name of the insured (policyholder), date of death and policy number. Attach a death certificate. You can submit these to your insurance broker for...

Do I need long term care insurance if I have VA benefits?

It is a good idea to consider a long term Care insurance (LTCi) policy to supplement VA long term care benefits...

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...

How many employees must enroll in a group health insurance plan?

A certain level of employee participation is mandated in many states in order for employers to offer a group health plan. This number is usually around 75%. This is required so the group plan...

What is a health insurance deductible?

The amount of money paid out-of-pocket before an insurance carrier begins to pay for your medical expenses. For example, with a $200 deductible, and a $450 health care bill, the insured would...

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A Very Satisfied Customer