YOUR INSURANCE CONNECTION

Wesley Knight 0:00
This is a KU NV studios original program. The following is a paid program sponsored by your insurance connection. The content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

Donald Marquez 0:22
You Good morning. This is your insurance connection. I'm your host. Donald Marquez, on your insurance connection, we talk about saving money on auto insurance, homeowner's insurance, yes, and we talk about life insurance. Welcome to the show you.

Donald Marquez 0:45
Good morning. My name is Don Marquez. This is your insurance connection. Broadcasting right here at KU NV, 91.5 jazz and more. Early Sunday morning. Thank you for listening. I'm a licensed insurance broker right here in Las Vegas, Nevada, my hometown, and I'm also a license in Louisiana, Texas, California for life insurance, 48 states for auto, homeowners insurance, boats, motorcycle insurance. I'm so excited to get those new appointments in Louisiana, Texas and California to offer our listeners life insurance. I'm really excited about it. Had a few calls from from various states, and it's quite interesting. And, you know, people listen to KU nv 91.5 public radio all over the country, and you know, we should embrace that and and thank you for listening to KU nv 91.5 jazz and more on my talk show early Sunday morning, a licensed insurance broker. And again, I'm offering auto, home life insurance, boat motorcycle insurance. And the product of this programming was, of course, to educate you about insurance, but my programming is, I want you to think about your life, you know. I talk to friends. I talk to people. They ask me questions about life insurance all the time. They do, you know, but, and one of the questions, you know, I want to ask you that's listening to this program like right now, how long do you think you have to live? You know, that's, that's, that's a question that sometimes it crossed my mind, how much time do I have? How many holidays do I have left? And within me walking on this earth, how many holidays do i We just, we just wrapped up the holidays. And you say to yourself, you know, if you fit, if you're 75 years young, how many holidays you have left 10, maybe 15. If you're fortunate, the mortality rate for women is less. The age is less than men. I'm gonna say that now. There's no set number, but sometimes we need to plan ahead, and we don't. When we don't plan, because we push it away or push it aside, or, you know, something we don't like to discuss. I get it, but it is a needed conversation. And I encourage listeners, when you have the holidays and family members are getting together, and I say the holidays continue, because we have a Martin Luther King holidays coming up, and we also have the Super Bowl. The Super Bowl, to me, is also holiday. It should be a holiday weekend, really. It should be Monday. Everybody should be off. I know I will be, but, but, you know, it's just, we have gatherings. Is just coming up again. We have Martin Luther King holiday weekend, and then we have the Super Bowl coming up, and there's still people getting together. It's 2026 now we've kicked the can long enough. It's 2026 let's move forward and taking care of our business in our home. Yeah. And I ask, and I ask the question again, how many holidays do you have left? If you're in your 80s, how many holidays you think you have left to enjoy with your family members, and if you haven't had any life insurance in quite some time, or sometimes, you know, you may think, Well, you know, I can't afford it. Don't, don't, don't do that. I work with your budget. I can work with your budget to find a policy that will fit your need and also fit your family needs. Now, sometimes you can't get exactly what you want, you know, I've had people call me and they've had heart conditions, you know, and I feel bad for them, but, you know, they had a heart attack. And sometimes with a heart attack, I can still get you a life insurance policy, even if you had a heart attack or a stroke. But you know that the coverage is going to be limited, you know, could be anywhere from 15 to $25,000 in coverage, which isn't bad, but it could pay for a final expense. This is information you can use. You can use, you know, so don't ever think you may you cannot afford it. Your family cannot afford. You not to have it, not to have some type of life protection, because you know when those days come, and it will come from each and every one of us that someone has to close out your estate. How much time do you have? How many holidays do you have left? You have to ask yourself the question, and when that time comes for all of us, what financially? What financial position will your family be left with? What are their finances going to look like? Are they still going to be able to pay the mortgage, the rent, pay the car payment, car insurance? Are they still going to be able to buy food? You know, what happens to their life when your income either reduces or stops all together? These are important things we need to think about going in 2026 I have a plan for my life in 2026 you know, and I want everyone to be around for a long time, but be extremely healthy. You know, health is wealth. You know, I was asked. I was listening to a program the other day on the radio, and they asked this gentleman, would you rather be a multi millionaire in poor health, or would you rather just have a, you know, average income with good health? He said, Give me the average income with good health. Now, this person was a senior citizen answering that question, and it made sense. He said, What's the point of having wealth without any, you know, stability in your life, without a good health? You know, you're not in good health with a lot of money. Now, then again, you could say to yourself, Well, you could have passed that money on to your family members. That's the way. But, you know, we don't have really have those options. The reality is this, in life, you know, we spend our money on, you know, reflects on who we are. What we spend our money on, is it going to last? It's going to last long enough for you retire, to live and when you retire, are you going to be able to buy the food that you're accustomed to eating, drive the cars you're accustomed to driving? And now, when that day comes, and it comes for all of us, what happens to your your spouse, your family members? You know, do you have a will? Do you have a trust? This is very important information. When it will or trust, it secures your family's future. And I've said this before on this talk show, if you own a home and there's no one, no one else on the home, but you you know, you need to have someone on there as right as survivor. If you don't have a will, you don't have a trust, because your home will likely going to probate, and your family members. Well, you know, I know dad wanted us to have the house. You know, Mom died years ago, and Dad is the only survivor, and he he want us to have the house and to come to find out he didn't have a one. Dad didn't have a will or trust because he never talked about it. He never talked about it. Being an insurance professional, you know, I run across, you know, financial stability and families all the time. It's part of our conversation to make sure my customers fully understand that, you know, there is a responsibility on your part to act to make sure you pass on to the next generation, or if you if you have a home, you want to make sure the next generation receives it, whether it has whether it has a mortgage or not. And it's simple. You just need to add their name on the deed or your home. It's real simple. Just add their name on the deed and what will that do? It passes that house to the next generation, even if it has a mortgage or a second mortgage, or a HELOC, or whatever you have on there, the person that inherits the home continues the payment, the mortgage company doesn't care long as they make their money. That's all they care about. You know, that's all they care about, as long as they get paid. Now, the person that now owns a home, because that's the last survivor passed, they probably want to make arrangements to refinance the home and get the home, not only the mortgage in their name, they have the deed in their name. And I can truly talk about this because it happened to me more than once. It happened, well, actually three times. It happened to me three times when my mother passed, just to give you a little clue how this works, she was just a survivor. My dad passed back in 1990 ish, and so she had the house. She put my name on it as right of Survivor. When she passed in 2011 the horse automatically came to me. Now the House did have a mortgage on it, so I had to continue to mortgage, get it rent. Ready to rent it out. I didn't lose it to probate. Fast forward, my mother in law, same situation. She passed in 2011 2011 was a tough year for me, when she passed, the house was passed to my wife and myself, you know, so it passes on property if you have the right of. Survivor. Now, I don't offer the right of survivor. I don't offer that, but, you know, I work with Christine Bernard. She's a colleague, and we work together, and she can get you signed up with the right of Survivor, get it recorded. And it's very, very expensive. That costs a little of nothing, you know, with the little money it does cost to get that done, versus losing the house in probate. Because once it come out of probate court and all those core fees and the mortgage, a lot of times, family members say, You know what, I can't afford that. So the city gets it and they and or the state gets it and they sell it.

Donald Marquez 10:37
All these years, you pay it on your home, or if you own your home, that's even worse, because now the city gets it for free, because you didn't put a right of Survivor on, on, on the property. Now, the third and final situation I was in when my wife passed back in 2018 I'm the only survivor. I made sure that, you know, I took out a trust to put my home and everything into a trust. So you know, this is News You Can Use. I just don't talk to talk. I walk the walk. My name is Don Marquez. This is your insurance connection. For more information, my contact phone number is 702-236-2624, 702-236-2624. My business hours are Monday through Friday, from 10am to 5pm and my location is on the corner of Sahara Rancho in the beautiful US bank center located on the eighth floor. I work by appointment. I know don't just pop up. I do work by appointment. I may I may not be in my office. I may be in the field, working in the field, 702-236-2624, you could text me your information on or my email address is donald.marquez@outlook.com that's Donald D, O N, A L, d dot Marquez M, A, R, Q, U, E, z@outlook.com, now I prefer people call me, and if I don't answer, please leave a message and I will contact you back sometime. I get very busy. I'm on the phone quiet every, almost every day now Sundays, because now we have football coming up, definitely if Saturday and Sunday. You know, I may work on a Saturday, and it's via phone only. I can't go in the office on Saturdays because now the office building is closed on a Saturday. But we can work via telephone. I can write auto insurance policies phone by way of phone, life insurance policies, homeowners policies, via phone. So keep that in mind, if you don't want, even if you don't, you know, it doesn't have to be on the weekend. It's just that, well, you know, I can say time and gas. I can, I can get an insurance quote over the phone for auto, home, boat, motorcycle, yes, and life insurance. Let's add a little bit more information about the life insurance. If we have a program through Assurance Company, I just signed up with a quit smoking Advantage program. If you are a smoker, you will be qualified for a non smokers rate for the first three years. Now, some of you make the pledge every year I'm smoking or I'm gonna quit smoking. You know, quitting is one thing, because you can restart when you stop. That's me. I'm done with smoking cigarettes. And as much as cigarettes cost, even cigars cost a lot of you know, both both cigarettes and cigars are very expensive. Every now and then I used to smoke a cigar. I've stopped because of the price of cigars. And when I say every now and then, I'm talking about maybe once a month, I smoke a cigar. But even that, the price of cigars are going up so much, it just like, you know, I don't need that because I don't like, I don't like the way the cigar tastes the next day anyway, so I'm good without the cigar. I stopped smoking cigars. But if you're a cigarette smoker, and you know what cigarettes cost, they're very expensive. I don't have to tell you. You know, I've been in the store watching people buy cigarettes, and just look at the expression on their face when they when they get a couple of pack of cigarettes, they bought three packs of cigarettes. That's almost a tank of gas. But, yeah, circumstances are expensive, but the quit smoking advantage for life insurance will allow you to stop smoking up to three years now, in your 36 month, you will get tested for tobacco, and they will adjust your face amount of the policy so continue to making the same payments. So for an example, let's say you have a $40,000 whole life life insurance policy with this company, and you do have the smoker, the smokers advantage quit smoking Advantage Program. You own the program for the first three years, the first 36 months, you pay. Paid a lower rate for the $40,000 face amount. Let's say you don't stop smoking and well, you know, continuing to smoke, they retest you on the 37th month to see you still or a cigarette smoker by way of a saliva test. If you do come up with nicotine in your system, the rate will adjust. The face amount will adjust down, just so your payment won't change. So you, let's say, for an example, you may go from $40,000 in coverage, and it could reduce down to 35 or even maybe for 30,000 or if you can afford to pay the smokers rate, you know, if it fits in your budget as a smoker, then you continue to pay the smokers rate again. There's not they're trying to. Insurance companies are trying to life. Insurance companies are trying to work with you to stop smoking, because a lot of you make the pledge, first of the year, I'm gonna stop smoking. Okay, well now we have a program through an insurance company up to $50,000 in coverage to stop smoking. And you can have an advantage of paying low cost for the first three years as an as a getting a non smokers rate. My name is Don Marquez. This is your insurance connection. 702-236-2624, 70223, 620, 626, 24 if you just tuning in for the very first time. Thank you so much. And welcome to the program I broadcast right here at KU nv 91.5, jazz and more every Sunday morning, from 8am to 830 and I'm going on my over my I'm going into my third year, and I want to thank Dr Ridley for this amazing opportunity, my engineer Wes for keeping me on time. But I want to thank also the listeners that came in and purchased home, auto and Yes, life insurance. Thank you for your continued support, or the ones that call me and said, hey, you know what I heard your program, owner, I was getting ready for church, and you was on the air, had the radio on, you was on the air, and you give out a lot of important information. I just want to thank the people to contact me and said, you get, you give out a wealth of information in the business for 30 plus years, right here in Las Vegas, I was licensed back in the late 90s. And, yeah, yeah. And I enjoy what I do, actually, actually, I love what I do, because I get to talk to you about your insurance, not only your life insurance, auto insurance. And everyone is always concerned about saving money on their car insurance. Well, I'm telling you this, in Southern Nevada, we pay some of the highest car insurance rates in the country. We just do. You know, every city has this, something that's our something, you know. So now, the person that contact me, if you have been with your insurance company for the last three years, your auto insurance company for the last three years, then when? Then that puts you at more of an advantage to to try to get a little bit of lower rate now, but if you're carrying the minimum state requirements, which is only 25,000 per person, 50,000 each accident, $20,000 property damage, and that's what you're currently carrying, it's going to be a little bit difficult for me to find a lower rate for you, because you're carrying the minimum state requirement, bump that liability limit up, you know, maybe to 100,000 per person, 300,000 each accident. You know, make that adjustment that gives me a, you know, more lucrative opportunity to to shop for insurance. Now, don't get misguided by the commercials or what you receive in the mail, because on those commercials, you know, I call this company, and I save XYZ $100 per year. They're not talking about Southern Nevada. They're just not. I listen to commercials all the time, you know? And it's funny, because they got the gimmicks. People like, well, you know, I got this in the mail and and I saw this commercial, and I hear people tell me that I hear it, and I see it too. You know, I watch football, I watch the I watch sports. I watch television from time to time, not a lot, but I do watch television from time to time, and I see the silly commercials. But what it does is just generates a phone call. I'm just straight up, straightforward, I tell you like it is. I'm an agent. I'm not an 800 number. You know, if you use one 800 car insurance, you're going to get a different person all the time. If you put all your valuable information online to purchase car insurance, or even life insurance, you're going to receive a lot of phone calls. I do not share your personal information with anyone, only the company that we select, and then you pay them direct. I take no money across my desk. I take no money across my desk. You pay the insurance company. If you have to have a billing issue, you contact the insurance company and work with the billing department. You know you can't come to my office and say, Hey, Donna, I would like to make a car insurance payment, and here's cash. I will tell you, go put your cash in the bank, call the car. Insurance Company, or the life insurance company, or whatever insurance product you have, and pay them direct. I take no payments. And as a licensed agent for many, many years, starting with Allstate Insurance company back in the in the 90s, I had to take payments all the time.

Donald Marquez 20:16
No, that was going to the bank constantly. And, you know, I just don't want to be responsible for someone, you know, paying their payment late. Or, you know, I just don't want to be I don't want to go to bank every day, and I don't, it's a different day. Now, so, you know, you could pay the insurance company. You can select the due dates even with your car insurance. Now, if you have a car insurance and the due date is just not quite working in your budget for you, you can contact your car insurance company and say, can you adjust my due date? Now they won't adjust your effective date. For an example, let's say your effective date is the 15th of each month for your auto insurance policy. That means you took out the policy on the 15th or whatever month you started the policy now, your effective date every month is the 15th of each month, but you but you know, your cash comes in, maybe it comes in on a little later, maybe the 25th of each month, or the 20th of each month. But you don't want to be late on any of your insurance products. So the only thing you need to do is just pick up the phone and kind you know, necessarily, contact your agent because your agent is very busy. Because I know people like, oh, you know, I call my agent. Don't never call me back. Well, call the company. All insurance companies have a customer service representative. Contact them. Tell them you want the billing department or their customer service representative to adjust your due date again. They will not adjust your effective date. They will adjust your due date. I hope that is news you can use, because, you know, for many years in this insurance business, I learned a lot, especially when it comes to people budget. You know, everybody don't get paid on the same time. And then when you switch car insurances, you know, when you switch your car insurance, it may or may not be on the on the day your money comes to you, because some of you, there's 55 and older that's on Social Security. You know, your money comes in certain Wednesday of each month. I get that. So we want to accommodate you. But you know people, you know, just have to pick up the phone call the insurance companies direct and make that happen. Make that happen. My name is Don Marquez, 702-236-2624 702-236-2624 I want to jump back right back to life insurance. I just want to let you know I have a policy. There's no physical exam required up to $50,000 in Whole Life coverage, and you could be insured day one. Most of you with diabetes that's on Metformin, you can get day one insurance. Now, if you own a blood thinner, you know, let's let's see, what else you on to see if you can still qualify for day one insurance if you have lupus, a history of cancer. Now this if you on medications, right? And you don't take the medications, but you get the medications refilled every single month, right? But you don't take them, the insurance companies look at, well, you getting a prescription filled every month, so you will be evaluated on the medications you're taking. Now, I've had people tell me over the many years, well, Don I don't take that medication, but you getting it refilled every month? Yeah, but I don't take it, but the insurance company doesn't know that. I can't tell the insurance company. Well, he gets the prescribed medication filled every month, but he doesn't take it. They're not going to buy that. They're not because they're going to rebuttal and say, Well, why is he getting it refilled in every month? So keep that in mind, the prescribed medication is what one of the resources the life insurance company uses used to evaluate you for insurance. In other words, they create a price based on the medications you take, your age, whether you're a smoker or non smoker, and sometimes a little bit of height, weight. But again, don't, don't count yourself off thinking that. You know what? I had surgery. You know, a few years ago, I had a stint put in my heart. I don't qualify. Well, don't tell yourself that, and don't let anyone tell you that. I represent 60 life insurance companies. My name is Don Marquez. This is your insurance connection. I can find you a policy. I specialize in the hard to find placement of life insurance. That's one of my specialties, because I've had people I insured this one gentleman. He was a nice guy. He was 650 he was he was over 600 pounds. I don't know how much he exactly weighed, but he was over 600 pounds. And I got him. I've got him. I got him a policy, and his family was very happy. I talked to his daughter, you know, maybe about three or four years after writing the policy, and she told me her dad lost about. 200 pounds, and I was so excited to hear that he was still around. But you know, that was good news. I want to help you, help yourself navigate, you through, through the all the insurance questions that you may have, the different products that we offer. And you know, I educate you. When you come to my office, you'll have a better understanding of what you're paying for every month. If you add up your insurance bill every month, most of you pay more for car insurance than you do for life insurance. Let me say that again, most of you pay for more for car insurance than you do for life insurance. Think about that for a moment. What is more important? You know, life insurance. When you pay your life insurance policy, you get it, you keep it, you know. And sometimes you know these policies. You know people like, well, you know, why am I paying for this? Why? Why are you paying for it? Because, you know, when that day comes, your family is going to need the money, and this is tax free benefit. They're going to need that policy to pay your final expenses. And for the average person in the United States, in the United States, they we leave about $60,000 in debt behind. That's not including a mortgage in most companies, in most situations, that's not a mortgage, that's us, a car loan, credit card bills, maybe medical bills, and a very expensive funeral, and a very expensive funeral service that can range anywhere from 15 to $20,000 today and up. So, you know, I've had a gentleman call me. He said, Well, you know, I'll just get cremation, and I don't want to earn I'll just get that, that box that comes with the cremation. And I said, Okay, well, what you don't want? He said, I don't want nothing. I just want a simple, simple ceremony, no flowers or nothing. And I said, Do your family know that? Yes, they do. I just want to keep it low as possible. I don't believe in spending money on funerals. I said, that's fine. You get a cremation and you have a box, right? Yeah, and it looks like a cereal box because I've seen one, one on before. What a cremation box look like without the urn, right? I said, where they gonna put where they gonna put your box? What family members want to put that box on it, on the on their shelf, in their house, or in their cabinet? You know? Oh, I didn't think about that. That's, well, you're gonna need a plot or something. And he said, You know what? I never thought about that. So, you know, it's no inexpensive way to get around this when it's when it comes when we're talking about final expenses. My name is Don Marquez. This is your insurance connection. I broadcast right here at KU nv 91.5 jazz or more. If you need a larger life insurance policy, I offer term Universal Life, and they start at $100,000 and up for the coverages, 702-236-2624 702-236-2624 everyone. Have a wonderful day today. Get out, take a walk. Enjoy this beautiful weather we have right now in sunny Las Vegas, Nevada. We'll do this again next week, until then, just keep it crispy. You.

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