Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Life Insurance

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.

Extremely easy to apply for life insurance

Melissa made applying for life insurance policy extremely easy and painless.  She is thorough, knowledgeable and always available.   I thank you Melissa for assisting me in meeting my insurance needs.

Mohammed A., Ruxton, Baltimiore County, Maryland

Investigating hybrid whole life/long term care policies

It was very useful to have Melissa’s input on options I am considering for insurance.  Her familiarity with what various insurers are offering is great. Especially helpful when dealing with considerations that may be out of the ordinary – like what kind of restrictions would apply for use of policy benefits outside of the US.  Melissa has done her homework and has a lot of that information right at her fingertips.

Robin K, Baltimore, Baltimore City, Maryland

Long Term Care Planning… and Love

What’s the sentiment at the heart of long term care planning? No, it's not fear. (Of care costs or gaps in Medicare.) It's not even concern. (About medical conditions or Medicaid eligibility.) I’m talking about love. Yes, I know Valentine’s Day is in the rear view mirror. That’s OK. The kind of love I’m talking about transcends flowers and cards.

Very professional yet caring and friendly

Melissa and Debby are very professional yet caring and friendly as well as efficient with excellent follow-up.  They are a pleasure to work with.

J. H., Havre de Grace, Harford County, MD

Long Term Care Awareness

November is long term care awareness month. Even though long term care is often discussed in the news, it is frequently confused with healthcare.

Links

For information and resources on topics relating to our products, please see the following links:

Melissa Barnickel - Women of Influence - I95 Business Magazine - Baltimore

Melissa Barnickel was interviewed by I95 Business for Women of Influence.

Read more to learn about Melissa's personal and professional background and how she helps clients and their trusted advisors to preserve their hard-earned assets by incorporating insurance with their financial plan.  

Excerpts from "Baygroup Insurance" on i95business.com

By: Linda Esterson

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