She listened to us and help sort through mounds of options!

Baygroup (Melissa Barnickel) was very responsive to our many questions and concerns as we endeavored to identify the policy that would most meet our needs. She listened to us and helped us sort through mounds of options (many carriers, plan designs for both traditional long term care insurance and life insurance with a long term care insurance rider).  She and her assistant, Debby Lawrence, "held our hands" through every step of the process, and made sure we understood what we were doing "in the now: and what would come next. We had been delaying doing this (buying long term care insurance) for a number of years-- never feeling like we had met the right agent to work with.  Meeting Melissa changed that, and we are SO glad to have met her!

R. T., Woodstock, Howard County, Maryland