Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Testimonials

Very Proactive!

Melissa gave a presentation at work which was very compelling.  She and her assistant have been very proactive in helping us finalize the long term care insurance policies.

J.W., Loudoun County, Leesburg, VA

Honesty, not just selling

My husband and I met with Melissa to discuss a long term care policy which we have had for about 10 years. We wanted to see if "we could do better," and Melissa advised us to keep what we have as it is more complete than what we could purchase now..and for a higher price. We appreciated her honesty. She was there to help, not just sell us her product. We'll be going back when it's time for purchasing secondary insurance on

Independent Review of Existing Policy Provides Peace of Mind

Recently we had a series of meetings with our Estate Planning Attorney to review and update our pertinent documents.  In the process, she suggested we have our LTC policies assessed, which we’ve had since 2002.  She suggested Melissa Barnickel for the job as she is a specialist in these types of insurance.  Since we had often wondered if our policies were still relevant and worthwhile today, we were delighted by the opportunity to have a trusted professional provide us with an independent review.

Helped me decide what I wanted and needed

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

Explained everything; Will refer anyone I can to Melissa

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

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