Long term care insurance testimonial

Melissa Barnickel was so helpful in helping me make my decision to purchase long term care insurance.  She spent the time explaining everything to me, made herself available for any question and concerns.  I will refer anyone I can to Melissa.  She was a pleasure to work with.

C. L., Twinsburg, Summit County, Ohio

Melissa was very knowledgeable and informative. She was highly recommended by other members of MSRN.

S.T., Jarrettsville, Harford County, Maryland

Very comprehensive explanations of "insurance" and translation into real English.  Melissa is very patient. This has been a  long process and she and her staff, Debby,  have been very diligent.

Baltimore County, Maryland

LTC is so important and Melissa and Debby helped me decide what I needed to take care of me when I need it most. LTC will allow my children to have the funds necessary to care for me so I am not a financial burden for them. 

J.C, Bel Air, Harford County, Maryland

The excellent and sufficient time to understand the purchase of a LTCi policy was outstanding.  I was not sure and uncomfortable about this step in life and value to me and my family.  Melissa was able to clearly and to the level I needed explain, provide answers and work to find the right LTC for me. Thank you - a very satisfied customer.

P.F., Ellicott City, Howard County, MD

Baygroup found the best deal for our situation and patiently explained our options an danswered our questions. They made the process as painless as possible.

C.K and S.K, Augusta, Augusta-Richmond County, GA

Baygroup Insurance was helpful in our decision to move forward with long term care insurance.  Staff was knowledgeable and very personable, kept us informed throughout the process and answered questions in a timely manner.

J.C. and M.C., Port Deposit, Cecil County, MD

Melissa was patient in explaining each step of the process and each benefit option.  I felt comfident I was making a good decision having worked through several long term care plan design options with her.  Thank you Melissa!

M. F., Monkton, Baltimore County, MD

Melissa provided detailed explanation of available plans and side-by-side comparison for ease in decision making.

M. B., Baldwin, Baltimore County, Maryland (MD)

Dear Melissa, Our time on the phone with you was the most valuable phone conversation we’ve ever had. It is amazing that anyone could have the knowledgeyou have on Long Term Care. We cannot thank you enough and will tell everyone we know about your expertise! Thank you so very much!                  Jack E and R.E, Grasonville, Queen Anne’s County, MD