Mario Bick Insurance

We handle all types of personal and business insurance needs.
Our firm is staffed by people committed to providing our clients with highly personalized service.
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.

We believe that the better educated you are on insurance, the better you'll be able to make good decisions about insurance.
That's why we've created this resource section.
It's here to educate you on insurance and provide you with the resources you will need to select the right plan for you and to get the most out of the plans you purchase.
If there's anything you need or if you have any questions, please feel free to contact us.

Term Life insurance is life insurance that you pay for during a specified length of time or term - generally one to 30 years.
You select the amount of the death benefit or face amount to meet your needs.
Premiums, or payments, which can be the same amount or increase with time, must be made monthly, quarterly, semi-annually, or annually.
If you die during the term of coverage, the face amount of your policy will be paid to your beneficiaries.
Term insurance policies do not accumulate cash value and therefore usually offer lower premiums than other life insurance products with the same face value.

Did you know that an annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments?
In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.
Annuities typically offer tax-deferred earning and may include a death benefit that will pay your beneficiary a guaranteed* minimum amount, such as your total purchase payments.
Unlike retirement plans, there is no limit to how much money you can put into an annuity!

As we age, the likelihood we will need some type of medical or personal care increases.
We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom.
On average the need for long term care services lasts months or years, not weeks or months, and can be very expensive.