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Did You Know?

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.

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 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...

What role does long term care insurance play in planning for my future?

A financial plan includes future cost of health care. This is a significant expense in today's dollars and even more so when inflated for future cost of care. By having long term care insurance...

What is own-occupation?

Own-occupation is a sought-after feature in a disability policy. This type of policy will pay benefits if you cannot work in the field you were working in prior to the disability. If you have...

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Baygroup Insurance

3815 Justin Rd.

Monkton, MD, 21111

410-557-7907

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