Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


This tag denotes content that is for advisors.

Combination Long Term Care Policies

Combination Long Term Care insurance (LTCi) policies, also known as linked-benefits or hybrid policies, are quickly gaining popularity.  It combines or links long term care benefits with another type of insurance - life insurance plan or an annuity.  It provides a benefit pool to pay for qualified long term care expenses, but if care is not needed, the heirs receive the life insurance death benefit or the cash value from the annuity.

Melissa Barnickel Returns to WCBM AM 680 to Continue the Long-Term Care Insurance Discussion

Melissa Barnickel returns to the Senior Spotlight radio show with Sue Haviland to discuss Long-Term Care insurance. Listen to clips from the radio show!

Is LTCi Worth It? Get Real

Do you think the premiums for LTCi are expensive? Read this article to get some perspective.

Our Life Products

Let Baygroup Insurance help you find the life insurance coverage you need.

Baygroup Insurance is a life insurance brokerage. This is beneficial to you, the consumer, because we can help you select from many different policies to find what is best for you.

Is Long Term Care Insurance for you?

Shawn Nordstrom discusses the importance of considering Long Term Care insurance.

Life Insurance

What is Life insurance?

Life insurance is a contract between an insurance policyholder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Some policies provide for an accelerated death benefit covering terminal illness, critical illness, or long-term care illness (chronic illness). The policyholder typically pays a premium, either regularly or as a lump sum. 
The advantage for the policy owner is "peace of mind", in knowing that the death of the insured person will not result in financial hardship for loved ones and lenders.  It is important to periodically review policies for premium rates and terms of contract to see that your current needs are met. 

The death benefit can be used to:

  • Cover final expenses, such as funeral costs, taxes or debts
  • Replace financial orother support that the insured person contributed
  • Provide an inheritance or fund a foundation, endowment or charitable gift

Life-based contracts tend to fall into two major categories:
Protection policies – designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US) are whole life, universal life and variable life policies.

Baygroup Insurance

Baygroup Insurance is an independent insurance brokerage. We provide clients with Long-Term Care, home health care, life, disability, Medicare supplement and health insurance policies from highly-rated companies.

Melissa Barnickel Featured on Senior Spotlight, WCBM AM 680

Listen to audio clips from the show featuring Melissa Barnickel from Baygroup Insurance!

Long Term Care Insurance

What is Long Term Care insurance?

A New Company with a Long History

In 1991 Ed Hutman first entered the Long-Term Care insurance (LTCi) industry bringing a financial background and 20 years of volunteer experience in a large skilled nursing facility in Rockville, MD.  He worked with one of the early pioneers of LTCi concepts, learning the many facets of this important element of financial and retirement planning.  In 1993, Melissa Barnickel joined the company as CFO using her insurance, acco


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