Why choose Baygroup Insurance?

Baygroup Insurance has over 40 years of combined experience in the Long-Term Care insurance (LTCi), life, disability, and health insurance markets.  Baygroup Insurance is a brokerage, which means they offer a selection of top insurance carriers to choose from.  They have sold over xxx LTCi policies. Their track record on service and follow-through are second to none.  LINK TO TESTIMONIALS.   Baygroup Insurance makes educating prospective clients a priority so that they can make an informed decision when purchasing insurance products for themselves and their families.  

Within the group, Melissa Barnickel is a CPA as well as having a CLTC (Certified in Long-Term Care) designation.  With her financial background she is able to pick up where many agents leave off.  Her overall accounting knowledge helps clients feel comfortable with their financial decisions.  When prospective clients leave a meeting with Melissa, they have a better understanding of what LTCi is and how it provides the funding for a long-term care plan.  Melissa also educates and assists her clients with their health, disability, and life insurance needs to meet their financial goals. 

Ed Hutman has a CLTC designation.  Ed has a knack that allows people to truly understand the impact of not planning for a long-term care event and the details and options offered with LTCi. Ed has knowledge and experience with groups that have offered LTCi to their employees as a benefit option.  When working with Ed, employers and individuals gain an understanding of how LTCi will benefit them.  Ed also helps employers and individuals gain understanding about health, disability, and life insurance products.

Insurance provides the cash flow to pay for professionals to provide care in a variety of settings. Family members maintain their emotional and physical wellbeing by supervising the care rather than providing the care.  Retirement income can continue to fund the lifestyle planned, as opposed to setting aside funds, "just in case" an extended care event takes place.  Insurance also preserves financial commitments to family members.