YOUR INSURANCE CONNECTION

Announcer 0:00
This is a KU NB 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, homeowners insurance, yes, and we talk about life insurance. Welcome to the show you.

Donald Marquez 0:45
Good morning. My name is Donald Marquez. This is your insurance connection. Broadcasting right here at K, U, N, V, 91.5 jazz and more. Early Sunday morning. Good morning, everyone. I hope you enjoying. The Football season is upon us, and I love it, because when football is here, the weather is cooling down right here in our sunny city, Las Vegas, Nevada, I'm a licensed insurance broker that come on, come on the air every Sunday from 8am to 830 to educate your own insurance, your Life Insurance, your homeowners, your auto insurance, renters, boat, motorcycle, you know, I cover all insurances. I don't write commercial. However, you know, I do have colleagues that do write commercial, I can refer you to, but you know, personalized insurance, that's my specialty. 30 years in the business, come this November, one day before Thanksgiving, November 24 marks me 30 years in the insurance industry. When I was licensed, that was a long time ago, back in 1995 and I've been in the insurance industry ever since. Love what I do, love to meet you. Talk about your insurance coverages go over your insurance coverages, you know. And everybody's concerned about the price. We're all concerned about the price of insurance. It is going up, unfortunately, like everything else squeezing us is squeezing us, but you are purchasing protection, and one of the key protections is life insurance. Before I really getting started into my program, I want to give my condolences to the family of Langston Carter, a good friend of mine, also he was a radio personality here at K, U, N, V. A few years back, I was introduced to Langston Carter by way of his jazz show on Friday nights. And when I first heard him, I increased my jazz collection because he was playing music that I never heard before, smooth jazz, funk, jazz funk, you name it. Langston Carter, may he rest in paradise. We lost him September 6, and he was a really good friend of mine. We had a lot in common. He we would talk frequently, and we would visit each other and where he lived, and I will where I live, and he will be truly miss. And the ones that know Langston Carter, if there's any ceremonies or any memorials here in Vegas, please let me know my contact phone number. If 702-236-2624 702236, you 2624, time is short. You know, my uncle used to say, Here today, gone today. You know, he said people, people would tell him, Here today, gone tomorrow. But no, he would say, Here today, gone today. And that's true. That is so true. I wasn't usually still, you know, Langston was a young man, you know, around my age. And you know, I mean, I just could not believe what I'm hearing. But my mother used to tell me, as she aged, she said, the older you get, the more you're gonna see your friends lose your friends. Just be prepared some because it's coming. You know, back then, I was a lot younger than I am today. But, you know, it is so true, was what she told me. You know, the more you live, the more you see, and you see, let family and friends and you lose them. And are you prepared? Have you considered the possibility of the expense that you're going to incur if, in fact, that you are responsible for a final expense or closing out one estate, same thing. It all goes in hand in hand. Final expense is closing out an estate. It's closing out your estate, for your loved one, for your family members you know, for even like your mother or your father, you may have to close out their estate. There may be a mortgage you left behind, credit card payments, utility bills, outstanding medical bills, and loss of a spouse's income. It's just so many things that put us in more debt, and we're not prepared for it. You know, I look at the price of a car today, so if you go out and buy purchase a $30,000 pre owned car, I mean, I mean, this is just this. These are the numbers today you're looking depending on your credit rating, of course, and I'm gonna do a comparison. So you go out and spend $30,000 on a car, your payment on that car is gonna be around anywhere from 600 to $750 a month, depending on the term and the credit that is a lot of money that is not including the insurance with the interest rates the way they are today, you're paying anywhere from 600 to $750 on a $30,000 vehicle. In that arena, you know, that is a lot of money paid for a car. That is a lot of money paid for a car. So we, if we don't have the money to put down, then we don't have a choice, because we need transportation. Now, put on top of that, your car insurance, and that could be a, who knows what that price may be? Another, you know, up to 100 150 to $200 a month could be. We don't ever know, but now your expensive car is your pre owned car at $30,000 because you can't get a brand new car these days for 30,000 they're highly unlikely, but if you can, you know, good for you, but you're looking at almost 800 to $900 a month to pay on a car when you pay it month to month, that is a lot of money to pay on a car. But you know what I find in these 30 years of being in the insurance industry, people are more concerned about a car insurance or car payment than there are their own life insurance. It doesn't make sense to me to pay that much money for a car and have no life insurance. You know you looking good, but you know you're not. You're not taking care of business, your necessary business to close out your estate. And I know, you know you need transportation. I know that. I know you Dean, transportation. You know I have transportation. I gotta have transportation. But you know, when I look at the numbers, when I look at the numbers, what it costs to own a car today, with the maintenance, the gas and enlist just goes on and on. It's almost $1,000 a month of driver car. These days, if you financing the car around $30,000 with a payment around 650, to $700 a month, and then you put the insurance on top of that, you will almost $900 a month for one car. That's just one car. Now, some people have multiple cars, you know, and that's is, that's even more of an expense. And I ask yourself the question, ask yourself the question, do you need multiple vehicles? You know? Sometimes you can, you know, I can, you know, you can only drive one car at a time. But we need to look more into our financial future when it comes to passing on generational wealth or avoid passing on generational debt. Okay, please consider your mortgage, your credit card payments, utility bills. These are the bills you leave behind, outstanding medical bills, loss of income from a spouse, a loss of income due to, you know, from from time off from work if you're ill, you know, and look at the cost of food, clothing, transportation. You know, just all those costs do add up. And if you don't have a plan to get a life insurance policy, if you haven't saved enough money on time, you know, what is your plan to leave your spouse behind with all these negative bills? And I call them negative because you there are gonna be in the negative. I can't afford to pay this because I lost my spouse's income. You know now your loved one, your wife or your spouse, or your husband, now you're faced with some very difficult decisions because you didn't take out a life insurance policy. But you know you got two cars that you're paying close to $1,500 a month on what makes sense, you know? I mean, sometimes we have to prioritize what our budget requires us to do. I like Spike Lee movie. I like that because we need to secure our futures more so than ever before, because of the cost, everything has gone up. I was in a grocery store just a few days ago, you know, and I looked at 18 dozen eggs. I mean, 18 eggs, 18 I used to buy a dozen of eggs, but I don't do that anymore, but I buy 18 eggs, and it was almost $9 and some change, you know, it's quite expensive for eggs. I remember the eggs well, you know, a third of that. And you know, it was no but today's prices, you know. And I like my produce. I like my fruits and my vegetables and my goodness, you know. And you walk out of the grocery store, you spend $150 and you don't have many bags of groceries. But again, we need to prioritize what is important, because everything else is expensive. So we need to now, you know, maybe we need to, you know, you know, right size. You know. People say, you know, when you buy you have a bigger home and you buy a smaller home, they call it downsize. I call it right size. So maybe we need to right size your finances. I can do a. A financial review of your current life insurance policies, your auto insurance policies. Let's see if we can save you money on that auto insurance policy. So now you can afford a life insurance policy. There's no reason not to have a life insurance policy. And if you're thinking to yourself, well, you know I could save that. Try to save $100,000 how long that takes? Takes a long time. Takes a long time saving, even if he's saving $1,000 a month, that takes a long time. And life is not guaranteed. We never know when our time is up. But if you get a life insurance policy, $100,000 life insurance policy, you know that money is instant. That's like putting $100,000 in your savings account today. That's what it does. It puts it put the money in your account today. Now your asset has gone up $100,000

Donald Marquez 10:45
or more. I can write a up to $450,000 life insurance policy with no physical now, of course, age 82 this applies to people that's age 40 and up to age 80 up to $450,000 no physical only takes about 30 minutes over the telephone there yes or no answers. 702-236-2624 again, 702-236-2624, my name is Don Marquez, a licensed life insurance broker, auto home right here in Las Vegas, Nevada. And I'm also licensed in the state of California for life insurance. If you have a family member that lives in California need life insurance, no problem. We can write the policy over the phone. 702-236-2624, my location right on the corner, right in the heart of our beautiful city, Las Vegas, Nevada, on the corner of Sahara Rancho in the US bank center, eighth floor. I work by appointment. My business hours are Monday through Friday, from 10am to 5pm and on phone by way of Saturdays, on some Saturdays, because I like to enjoy, you know, football college I'm starting to watch college football. You know, I never was a major college football fan, but I'm starting to watch it a little bit because, because I look at it like this, football on Sunday, I want I watch at least two or three games on Sunday, the game on Monday, that is three to four football games. And then if I'm watching football all day Saturday, that's just way too much football for me, you know. So if I catch one college game on a Saturday, maybe a couple of pro games on a Sunday, and then I got Monday. That's four games. That's That's enough football appetite for me. It really is. But you know, these football players make a lot of money, these athletes make a lot of money, and I'm so happy for them. I really am. They they getting paid. But you know, when I look at statistics after they leave the game, they're broke. A lot of them, you know, they live, they live their life. They live over, above their means. They don't plan for the future, because they're so young, they're very young, men and women, but they don't plan for the future. And it's hard to believe a person making millions of dollars, and then, you know to be broke years after you retire from the sport. It's the same with our regular day. People that you know go to work every single day. You know you're working from paycheck to paycheck, and I know you're trying to get ahead. I get that I can find a policy that will fit in your budget. We have to have life insurance again. Consider the mortgage, the credit cards, utility bills. These bills come in regardless of you here or not, and outstanding medical bills. That's another one. And you know, so this can put a a loved one, a spouse, in and a lot of debt, a lot of negative debt, where, in fact, they have to file bankruptcy. They have to file bankruptcy, or sell their home on a fire sale just to survive, live in a home that they're not accustomed to living in, because we, you know, we like to wait. We don't, you know, I need this car. I'm gonna spend a lot of money on a car, but no money on life insurance. You know, we need to balance out. I can find a policy that will fit in your budget. My name is Don Marquez. This is your insurance connection if you're tuning in for the very first time, I've been right here broadcasting at KU nv 91.5 jazz and more a little over three years now. And I want to thank Ashton, my the manager over here at KU nv 91.5 Ashton Ridley, Dr Aston Ridley for giving me this unique opportunity, and my main man West keeping me on time. West Knight, he is my engineer. Every week when I come here to broadcast for you and to give you this valuable information to make sure your insurance is in place, don't just look at the price of insurance. We have to look at our coverages, what the policy would do over time. That's why it's important. I had a conversation with one of my customers just the other day. He said, years ago, I bought a flexible premium life insurance policy. Had no idea what it was. He bought this policy over 30 years ago, but it was a great premium at. The time, but as he got older, he is a flex premium. That means the premium is flexible as you age, because you don't pay enough into the policy in the beginning, as you age now, the premium goes up. If that's happening to you, because you have what we call a flexible premium policy, or you have have purchased a term policy, and now you in what we call the extended term of the policy, and the rates are going up as you age. There is a way to fix it. It truly is. My name is Don Marquez For more information, 702-236-2624, let's sit down and have a real conversation about your life insurance. We all need it because there's always debt left behind for want someone to close out your estate, whether it's a mortgage, you have to sell a house. That takes time. You have to get the house ready to sell. That means you have to pull out the furniture, move the furniture out of the home, pay some utility bills, pay mortgages, you know, association, dudes. I'm like, that's a word that I don't even like to say. But you know, in most places today, well, if you have a condo or a home and you have an association, dude, so you have these bills you have to pay, and a very expensive funeral on top of that, these are bills that are left behind and with no plan. And y'all you know, and if you're smoking a cigarette right now listening to this program along with your coffee, I can offer you a life insurance policy. For the first three years, you'll be rated as a non smoker. You are currently a smoker, but it's called the smoker's advantage, where if you do quit smoking cigarettes, or you have to step stop smoking cigarettes for 12 full months. Now, initially, when I write the policy as as a smoker, I'll put you on the program. You have up to 36 months to stop smoking. So let's put it in you know, layman's terms. Well, you can smoke for the first two years, the last 12 months, no cigarettes, no no tobacco products at all. And if you a hookah smoker, if you smoke hookah that is tobacco, that's a lot of cigarettes at one time when you inhale that hookah. And I've and a reason why I bring that up, because I had a young man come to see me, and he's in his mid 40s. He's man I'm on. I need life insurance for my family. I heard you talking about life insurance on K, U, M, V, 91.5, and I need life insurance. I have very little life insurance on my job. It only pays two times my salary. I have three children. And I said, Are you a smoker? He said, No, I do not smoke anyway. Make a long story short, we, we performed a test on him because we he was applying for a large policy come back as a smoker. He had tobacco in his system because he smoked hookah, and he thought that hookah was not going to put him in a position where he was rated as a smoker. Well, what we did for him to afford the policy, we reduced the face amount of the policy to fit in his budget. It still was a significant policy, but his main goal was to protect his young family, his young family. You know, most people call me and are women. I get to, I received 10 calls. I received 10 calls. You know, seven out of those 10 calls are women, and I want to thank the women that and the men that contact me for home, auto, life insurance that listen to K, U, M, V, 91.5, jazz and more. I want to thank you. I do appreciate your business. But my question is, well, you know, why are more women contacting me than men? And this has been throughout my my amazing career in the insurance industry. Women contact me because they're concerned about their family, family's financial future. They're more concerned about their family's financial future than men are, which, you know, I'm not giving men a break. Don't, don't, don't, don't sit on your hands and say it's okay. That's fine with me. I don't need to call because I'm gonna depend on her to call. No. You know, you could take the initiative and contact me at 702236. 702-236-2624,

Donald Marquez 19:04
and don't think that you can't afford it. You cannot afford to have it. And because the cost of funerals 20 to, you know, $20,000 up to $20,000 today. And if you want to be transported to another state when that time comes, and it comes for all of us, that's even more money, because that's a one way ticket that has to be paid up front. And, you know, the expenses just go on and on and on to close out a personal state. Is in the United States, is around, upward, around 60 to $70,000 to close out a personal state. And that's on average. Now, what now? Let's put in there some children. You know, children in there, young children. Because we never know, we never know young children. You know. Let's add that in there grandchildren. If you're taking care of your grandchildren, or if you have a family member, what with the challenges with their health? You know, what's going to happen to that family member? I really you know. I recommend you, you to get a will, get a trust, you know, take care of your family's estate. Make sure, if you do own a home, if you do own a home, you know, and there's make sure that someone else is on the home with you on the deed. You know, it's called right of survival, or in lieu of death. Many people that purchase a home. Don't realize that now, homestead in a home doesn't pass down at home to the next generation. It just doesn't it just, you know, protects you from, you know, mechanical liens like you have to, you know, pay the electrician or the plumber for doing work on your home. It doesn't really protect you from going into probate. But you know, if you have a home and you don't have another person on the deed of the home, even with a mortgage, it gives you the peace of mind knowing that the home will be passed down to the next generation by having a will or trust or just simply putting a loved one on the deed of the home. They cannot sell a home. They cannot take a loan out on the house. It's what it does. It helps avoid probate when that day comes, and it comes for all of us, because who wants to work all your life, right? You work all your life, you buy a home. You're paying on your home. Unfortunately, you have untimely passing, and now your home goes to the state. It's in probate for many years, and your family members can't get the home because they can now, they have to pay for the mortgage and the probate cost on top of that. And you know what? The state gets the house, the city gets the house, and they sell it, and they they get homes all the time. And you know, and I've had customers, and I bring this up because I've had customers in my amazing career. Tell me, you know, I've had, you know, my mother had a home. I didn't want to put my name on the deed with my mom. And my mom passed and we lost a house in probate court after many, many years in probate court. Once it came out of probate court, we had no idea those probate cost was going to add up on top of the mortgage. We just simply couldn't afford it. We lost a home. Now this is something to consider when I come on the end or talk to you. You know it's about financial stability, passing on generational wealth, making your life simple and not complicated. And the complicated life is to say that I want to wait. Tell me, what is that going to do for you when you procrastinate? I don't understand the philosophy of that, because you never know what may happen. You know men, we live less than women. Our time is less than women. Usually, women outlive us by many, sometimes even two decades. They outlive us a decade and a half, sometimes they outlive us. We have to prepare ourselves. We have to make sure our family is financially secure. And when you do take out a life insurance policy, this is one of the worst things you could do. Call a friend up and say, hey, you know what? I just took out a life insurance policy. Oh, and this is how much I pay per month, and your friend says, Well, I think that's too much. What gives their friend the authority to value what your life insurance should cost to you they don't know you may have underlying health conditions, you may have diabetes, you may you may have a history of cancer. Who gives them the right to say how much your insurance policies should be although they may or may not have a policy. In a lot of cases, they don't, but they always think, well, it's too much. No, it's not. It's too much not to have a life insurance policy guide you through the process, step by step. My name is Don Marquez. This is your insurance connection. I represent multiple life insurance companies, whole life term, Universal Life, 60 life insurance companies, I'll find a policy for you and multiple car insurance companies, homeowners, 702-236-2624, 702-236-2624, my location is on the corner on Sahara Rancho in the US Bank building, eighth floor. I work by appointment. My business hours are Monday through Friday, from 10am to 5pm 702-236-2624, I can do a lot over the phone. I can write a life insurance policy, auto insurance policies. We don't have to meet for that. I can write it over the telephone. Just ask you a few questions about your auto insurance. And, you know, we can make a comparable rate on your auto insurance policy to make sure that you are insured. You know, I heard recently, the DMV just reopened here in Vegas. You know, a lot of times too. You can do a lot of business over the phone at the Department of Motor Vehicle website. You can go on the DMV website, register your get your car small. If it needs to be small, you can register your car online. That makes it very easy if you out shopping for a vehicle, and if you have downloaded the app, most auto insurance companies do offer the app where you can download the app if you are shopping for a vehicle on the weekend, you. And you purchase a new vehicle on the weekend. You can with the app, and most auto insurance companies, do we have it? You can, you know, take your current vehicle off, put the new purchase vehicle on your app, and print out your ID card. You can do everything yourself you don't own. You know, I need to call my agent, and I've received calls on Sunday, I'm enjoying football right now on Sundays, you know, and if you have current insurance, you don't necessarily have to call your insurance company, your insurance agent right away. If you have current insurance and you need the collision and comprehensive on there, some people categorize that as full coverage. You can wait the Monday morning to contact your insurance company, to add that car, delete the car off, or whatever you need to do to get you know your declaration pages and your ID cards so you can get your car registered. Now, once you purchase the car, just keep in mind, and this is News You Can Use. You don't necessarily have to buy the warranty at the car dealership. Now, if you use a brand new vehicle, it comes with a warranty. Why would you want to buy an extended warranty? That never made sense to me. But if you're buying a pre owned vehicle, you know, they do have options other than you know, I found out recently, check with your local credit unions. You'll be surprised. Your local credit unions can offer not only the GAP insurance on financing the vehicle for you, and I do recommend you taking the GAP insurance through your finances, but they can also also offer you a warranty that's probably half the cost of what the dealership is offering you. My name is Don Marquez. This is News You Can Use again, 702-236-2624, I'm a licensed insurance broker right here in Las Vegas, Nevada life insurance in California. I can help you, guide you through the process. I offer no obligation reviews. If you have a current life insurance policy and you don't quite understand what you're paying for and the rate is going up, or if you have a term policy that's getting ready to term out. And here's another one, folks now, some of us have family members out there that's doing the wild thing in the streets, homeless and not taking care of themselves, and you may be the responsible person for them. And when that day comes and you may get that phone call and say, You know what, you lost your loved one. Now you got to take care of the final expenses of that loved one in the streets that still costs money for you. If you have a loved one that's out there on drugs or homeless, you know, and you feel like you're responsible. I have policies for them too as well. My name is John Marquez. I broadcast right here at K, U, N, V, 91.5, jazz and more every Sunday morning, from 8am to 830 I do appreciate ever all the people that contacted me that's concerned about their their policies, their life insurance, their homeowners, their auto everything I do is very confidential, and I represent only a companies. You know, if you want to check on me, my name is Don Marquez. You can call it a Division of Insurance. I have no marks on my record. I have a clean record for the last 30 years, no complaints in the last 30 years. So I want you to feel comfortable doing business with me as well. I want to feel comfortable doing business with you. If you have underlying health conditions, let's talk about it. Diabetes, lupus, cancer, you know, heart disease, COPD, 702-236-2624 702-236-2624 get out. Take a walk. Enjoy this amazing day until next week. Just keep it crispy.

SFX 28:40
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