Comparing Coverage, Protecting Your Data, and Planning Ahead with Life Insurance
In this episode of Your Insurance Connection, independent broker Donald Marquez shares practical guidance for KUNV listeners on navigating auto, home, motorcycle, boat, and life insurance decisions. He explains how comparison shopping across multiple carriers can help offset rising auto insurance costs, while cautioning listeners against submitting personal information to online quote sites, which can lead to their data being sold and result in unwanted calls from agents. The bulk of the conversation covers life insurance essentials—including child policies, whole life versus term coverage, cash value and policy loans, smoker and health-condition options, and the limitations of accidental-only policies—along with advice on what to do when a term policy nears expiration. Donald also urges families to think ahead by documenting bank accounts and beneficiaries, planning for funeral and burial costs, and considering reduced coverage rather than outright cancellation during financial hardship, all while offering free, no-obligation policy reviews to help listeners find coverage that fits their budget and circumstances.
