Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Made Complicated set of Options Very Understandable

Melissa was extremely knowlegeable, patient and friendly. She mad a complicated set of options very understandable & helped us make an informed choice.

Louise P, Washington, D.C.

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Did You Know?

What if I never need long term care?

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.

Can I still get life insurance if I use tobacco?

Yes. You will not receive a preferred health rating if you use tobacco, so the premiums that you pay will be higher than those a nonsmoker would pay.

What are the advantages of term life insurance?

Term life insurance will give you protection without additional investment or cash-value components. You will pay level premiums for the “term” of your policy. Your policy will be effective as...

How many employees must enroll in a group health insurance plan?

A certain level of employee participation is mandated in many states in order for employers to offer a group health plan. This number is usually around 75%. This is required so the group plan...

How much will I have to pay for disability insurance?

The cost of your disability insurance will be affected by many factors. These factors include the elimination and benefit periods, your age, your occupational class, your gender, where you live...

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Made Complicated set of Options Very Understandable