Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Long Term Care Insurance

Healthy Coincidence?

A study published June 17th, 2020 in the journal, Neurology, emphasizes how important a healthy lifestyle is in reducing the risk of Alzheimer’s disease.  

Knowledgable and Helpful

Melissa was so knowledgable and helpful!  She provided options based on our needs and let us ask lots of questions about life insurance with long term care rider. We feel better educated and confident in our product selection.  Thank you!

Tom E., Frederick, Maryland

What if I never need long term care?

  1. If you purchase some form of LTC insurance and never need it, you and your family will be very glad you did not need it.
  2. If you purchase LTC insurance and you need care, you and your family will be very glad it was purchased.
  3. If you do not purchase LTC insurance and you need care, you and your family will desperately wish you had!

An Updated Look at Long Term Care Planning

The COVID-19 pandemic has changed the way we plan for a lot of things. 

 

Is Long Term Care Insurance Nursing Home Avoidance Insurance?

If you have a loved one in a nursing home, it’s likely that you are in the unfortunate scenario that you are unable to visit them due to the pandemic.

Are there different underwriting requirements due to COVID-19?

Many carriers do have different underwriting requirements during COVID-19 pandemic.  

Some life insurance applications are eligible to be issued without any lab work.  

Some ages, and health history will require the applicant to wait until after COVID-19.

Even so, education can take place now while you are at home.  We can look at your heath history and what insurance you are considering and then advise when application can take place.

Experience was awesome!

My experience was awesome.  Melissa took the time to explain everthing until my wife and I completely understood.  She is very thorough and professional. Thank you.

Robert R, Manchester, Carroll County, MD

Age & Stage for LTCI

Melissa Barnickel Discusses the Age & Stage for LTCI:

Types of LTCI

Melissa Barnickel Discusses the Types of LTCI:

Pages

Subscribe to RSS - Long Term Care Insurance