YOUR INSURANCE CONNECTION

Wesley Knight 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. You

Donald Marquez 0:25
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. John,

Donald Marquez 0:45
good morning. I'm Don Marquez, and this is your insurance connection. Broadcasting right here at K, U, N, V, 91.5, jazz and more every Sunday morning. Good morning. Everyone. Good morning. I'm a licensed insurance agent right here in Las Vegas, Nevada, serving my community for many, many years. It will be 30 years in November, the day before Thanksgiving, that's when I was licensed to offer insurance to my community. And I'm so proud to say that where did the time go? I cannot tell you, but I know one thing, time goes by one second at a time, and time is an asset. It truly is an asset. And what are you gonna do with the time? You know you can waste time. You can lot of people waste time. We waste time by watching television a lot. We watch way too much television. We waste time just doing things that maybe just hanging out in places we shouldn't hang out at, or we just waste time talking to people that taking too much of our time. But when you look at time as an asset, you know time and money is an asset. On a combination it is. It truly is. When you look at time and money. You know, the people that that, that know how to make money, make money, make more money for them. In other words, they put their money to work for them. Time is an incredible asset, because as time accumulates, they also accumulate more money. But when we when we procrastinate about making certain moves how to increase our assets. You know, it's a waste of time. And I talk about this because it relates to life insurance. And as you know, if you heard of my program, I always talk about life insurance. I offer auto, home, boat, motorcycle, renters insurance, life insurance. But I talk primarily about life insurance, because it's one of the greatest assets that we need in our in our portfolio. I get calls all the time for car insurance, and yes, I'll quote you a car insurance policy and see if I can lower your rate, or, you know, get your a rate that is affordable. But as you know, in Las Vegas, Nevada, and he just came to Las Vegas, Nevada, welcome to Southern Nevada, because the car insurance rates are just a little pricey right here in Southern Nevada. However, you know, funeral expenses are going up every six months. You know, life insurance is a living benefit. It's not always about dying. And I know people don't want to talk about dying, but I have some good news. I signed up with a new company, and they will give smokers what we call a three year period of non smokers. Rate if you are current smokers, cigars, cigarettes, and if you vape tobacco, the you are considered a smoker. So when you go to the vape these vape clubs, and you get a hookah. Go to hookah lounges and you get hookah. That is tobacco. Keep that in mind. You're smoking tobacco. And I've had customers come to me for life insurance, and I said, Do you smoke? No, okay, you don't smoke anything. I don't smoke any. Oh, well, every now and then I'll go to the Hookah Lounge and I'll smoke that. But that, you know, that is tobacco. It's a malformed tobacco. But, you know, there's a possibility you could be rated as a smoker if, but fortunately, I have this new company, then I can write up to $450,000 in coverage and give you the first three years rate as a non smoker. Now, what that does? It gives you the first two years as a smoker. If you choose to smoke for the first two years, but the last 12 months of the 36 months a non smoker's rate, you have to completely stop smoking for 12 months. You have to stop the tobacco for 12 months. Now, your body would love it, because, you know, nicotine is not really healthy for us, heart disease and cancer and lung disease and COPD and a whole lot of other things, and it's very expensive to smoke cigarettes. So let's put that, you know, even cigars, you know, price of cigars, like a decent cigar today, will cost you $15 you know, you know, if you go on and get a hand. Full of cigars. Well, you add it up real quick. That's $100 bill, real easy. But the fact is, this is new insurance company I just signed up with, and I'm always looking for companies that is offering opportunities to enter the company with the right price. You can be a smoker. We'll rate you as a non smoker for the first three years. You'll you know, you get the non smokers rate. Now, if you decide, well, you know, I don't want to stop smoking. I want to continue to smoking, but I still want the insurance. So what's going to happen is your premium amount will stay the same. Your premium amount will stay the same. However, you know, the face amount of the policy may be lowered a little bit to keep your premium the same. Now, it's always a negotiation situation with that when it comes to that three years if you decide to continue to smoke, but you know, think about it, you can start off as a non smoker. Rate. The rates are based on your age, your health, whether you're smoke or non smoker. You know this, but this but this is a unique opportunity. I've never seen an insurance company go as far as this. They'll say, You know what? And being a host on this show right here at your insurance connection, K, U, M, V, 91.5, jazz and more, I don't get many smokers calling me. I just don't I get people calling me for life insurance. Everybody's a non smoker. And I can verify that, because some of you get tested when you get your life insurance policies through me, but for the most part, really, hey, you know what? I do smoke, and I understand it's gonna cost me a little extra, but here's an opportunity to get in a program, get a policy, get a policy that you're rated as a non smoker, although you smoke a pack of cigarettes every single day, which is a very unhealthy for you. I mean, I don't recommend people smoking every day. I don't know how people get up and light up a cigarette just blows me away. Or as soon as they finish eating dinner, they gotta light it up. I almost can understand that. It's kind of like, you know, after dinner, cool down wherever you want to look at it, to relax, I get it. My name is Don Marquez. I could be contacted at 702-236-2624 702-236-2624 let's take advantage of the programs we have now. We never know when they're gonna go away see this is, this is the key. We never know. I never know as an insurance agent. Now, this is available today through an insurance company that I represent, and I represent multiple, multiple well known companies that you know. And if you have certain policies that I think you know, I think you need an insurance review. So if you have a policy that's a term policy, and you purchase a term life insurance policy, and you've been paying, you have been paying on it for quite some time, you know, maybe 1020, years. Insurance review, I don't charge you to come see me, even if you purchase a policy for me, I do not charge a brokerage fee. I don't charge a fee. I had a lady come in. She said, Okay, thank you for the policy use, wonderful man, you just did a great job. You did it every I didn't expect all this, but you know, she and then she gave me a credit card to say, here, how much I owe you. I said, You owe me absolutely nothing. You don't owe me anything. And the way it works is, once you purchase the policy for me, the insurance companies compensate me by way of a commission. And again, you know, it's, it's, it's the same price with or without an insurance agent, because the rates are based on you, your health, the medications you're taking. So you know, it's always better to have an agent representing you for the company, because we're in a fiduciary position of trust. I represent you, and I represent the company, and we and I bring you together, and I bring you together. Reason why insurance companies have insurance agents to explain the product clearly to the customer and also to gather the correct information, because now you know, I can look at you, talk to you, you know. So we're the eyes and ears for the insurance company. I represent the insurance company. I represent you too as well, and we look for the put a price that you can afford. Now, I don't offer life insurance to individuals that you know. I don't sell it our policy to you to fulfill me. Okay, that doesn't matter. I look out for the customer. I'm like, I'm looking out for the customer's best interest. What is, what works for you? And I know you on a budget, and I know you thinking right now, well, you know, I'm on a budget. You know, everything costs so much more today. You know, we're post covid. I guess these billionaires trying to recover from covid. I don't know. I don't know, but, you know, I'm not in that category however, you know, I don't know why everything went up. Seemed like everything should be going down, because we over covid, but post covid, I guess they're trying to recover because we weren't going anywhere. We weren't doing anything, we were staying at home, and we're working for. Home, and that's in a good advantage. You know, one of the things that came out of covid that I enjoy because

Donald Marquez 10:08
in the past, when I saw my life insurance customers, I had to see them face to face with it for the insurance company. But today, post covid, I don't have to see the customer face to face. I can write a policy over the telephone. You know, it doesn't take that much of your time, 30 minutes, and we can write you a life insurance policy that will change your life to make sure you're not passing on generational debt to your loved ones. Is that important to you? Passing down generational debt saying to yourself, you know what? I know, funerals cost 15 to $20,000 but you know, I don't have the money. And you know what, my kids can take care of this for me. But is that fair to them to transfer that debt, that that much debt, onto your your children, or onto your spouse? Because, you know, they're already, you know, have their own bills to pay, and now you just increase their debt load, not only the funeral, 15 to $20,000 what about to close out their estate? How much that cost, you know? And I mean credit cards, you know, car loans, mortgages, you know, kids, young kids have to go to college, feeding young children. It the list. I talked to a lady just not long a few, a few weeks ago, and she was telling me her sister passed. You know, I get these, I get these situations all the time. I mean, really. And you know, people don't mind me sharing their news with my listeners, because I asked them, I said, Is it okay if I I mentioned this on the radio? And they said, You go right ahead, because it could help someone. But the lady was in a position where her sister passed, left her three children, and she had two children of her own. Now, all of a sudden she had to raise, you know, five children, young children, and her sister didn't have any life insurance, but she had a little bit on her job. You know, her job only paid just a little amount. It wasn't enough. It was just enough to pay for the funeral and maybe the child's, you know, welfare for for for the first couple years, maybe. So it was three times the salary is around $90,000 and it just wasn't enough to take care of those young children. Now, if you you you have a person in your household, and that's you know, on drugs, in the streets, maybe even homeless. Now, your only thing I need is their date of birth and their social security number. I can write the policy over the phone. I just need that information again. I need their social security number and their date of birth. You can be the payer, the beneficiary of the policy, and that way, you know, you have the peace of mind, knowing that you know your loved one out there, out there on drugs. And you know, some people have these loved ones. It's not uncommon these days. Wow, it's a lot of homeless people out there. And you know some of these homeless people have relatives. You know they do, and they have relatives. They care. But you know life circumstances have changed for them. But you may feel responsible receiving that phone call and said, you know, your child just passed away, your daughter, your son just passed away, you know, over drug overdose, whatever happened to them. And you have, you have to go in the media. Oh, my God, I knew this was gonna happen. They out there in the streets. They're taking drugs, and I knew this was gonna come one day. And I don't have any life insurance, you know. Now I gotta go into debt to get some life insurance. Let's get a small policy on there, maybe $10,000 policy on them, to cover a, you know, maybe even a cremation. We can cover cremation with a ceremony to put them away and with dignity, with a life insurance policy. My contact phone number is 702-236-2624 702-236-2624 located on the corner of Sahara ran show in the US bank center eighth floor. I work by appointment. My business hours are Monday through Friday, from 10am to 5pm and some Saturdays. I will work via phone, via telephone. I don't I don't go in the office on Saturdays anymore. Unfortunately, they closed the building down. How many I'm in a tall US Bank building on the eighth floor, and they decided, okay, you know, the eighth floor, we're gonna shut it down on on the weekend, so people can have the weekend off. And that's fine. That's fine. I'm a licensed insurance broker representing multiple insurance companies for auto insurance, homeowners insurance, yes, life insurance, boat motorcycle insurance. It's a little hot out there. People out there on the lake, enjoying the lake. And if you want to compare, you know, a boat insurance, let's, let's have a conversation at 702. 236, 62624, motorcycle insurance. I insure motorcycles. I enjoy riding a motorcycle myself. I really do. I've been riding motorcycles since 9019 98 my dad bought me a motorcycle when I was 14, and I rode it for a few years, and I went back to it. I'll tell you a quick story about motorcycling. Oh, so one Christmas, I asked my wife, I said, I said, Would you buy me a Harley Davidson t shirt for Christmas? And she said, Sure, no problem. And that's when Harley Davidson was on Sahara and Eastern next to Valley High School. I went to Valley High School, but So Christmas day come around, and I'm excited because I want a Harley Davidson t shirt. Everybody got their gifts, so I'm looking for my Harley Davidson t shirt under the tree. No Harley Davidson t shirt. So she said, Well, you know, I was busy buying everybody's gift, and you know, I just have time. I'm sorry. Go get the t shirt. I'll pay you for the t shirt. I said, okay, okay, it's the holidays. So the holidays went by, maybe right after the holidays, Jan, you know, in the middle of January, I go to Harley Davidson, and I went in, and I was just mesmerized. I'm like, oh my god, I'm in heaven. But all those bikes were just beautiful, and I just I bought one. I picked up the phone call my wife while I was at the dealership, and I told her I was going to call her when I was there, and I said, the t shirt is free. And she said, No, no, really? I said, Yes, it's free. It came with the motorcycle. She said, You bought a motorcycle. And she was kind of, actually, she was a little excited for me. She said, okay, as long as you take motorcycle riding lessons, that's fine, but that was back in 1998 I've been riding motorcycles ever since, you know, had a lot of fun on them. But with motorcycles, you have to have insurance, and I don't recommend being a motorcyclist with low end coverages. You definitely need uninsured and underinsured motorists as a motorcyclist, because, you know, a lot of people out there right now do not have car insurance. Probably about 30% of the drivers on the road do not have car insurance. The um on the policy, uninsured motorists on the policy will cover you for bodily injury. I don't want to see any motorcyclist hurt out there. Some of you bikers out there, you know, weaving in and out of traffic, that's not a good thing. I know you're trying to get where you're trying to go because it's warm outside, but I would never do that as a motorcyclist. You know, most bikers ride safer than drivers, because we have to be Carson all the time. But you know, when you see bikers going down the road and they're in formation and they're close together, you know, don't try to, don't try to ride in between them, because, you know, it causes, could cause an accident. My name is Don Marquez, that's news. You can use 702-236-2624 702-236-2624, is my contact phone number. You know, let's talk about adding let's go back to life insurance real quick here. Let's talk about adding children or grandchildren on your life insurance policy. As a writer, you can add a child on the policy. Long as they're under 17 years young on your life insurance policy, they will stay on your policy without a physical until age 25 let me say that again, you get a life insurance policy right. You have the face amount you're paying the premium, but you responsible for your children, or even maybe your grandchildren as a grandparent, because now, as a grandparent, you know your your children under 17 years old or younger, you know you're responsible for them, but you know you want to make sure everything's fine, because You know, when it comes to people passing today, dying today. They don't discriminate on age. You know, you could be one to 101 it doesn't matter all in between. You know people from young to old, middle aged. You know, we all pass. It doesn't matter what age you are. But to protect your young children, you can add them on as a trial writer. There's no health examination, just a few health questions, Does your child have any cancers, AIDS, HIV, you know, any heart conditions, simple questions like that. Or if you have adopted a child just recently, my name is Don Marquez, I can make it happen for you. The policies on you, and they're added on as a child writer on your life insurance policy, 702-236-2624 702-236-2624,

Donald Marquez 19:58
if he's just joining us. Right? You know, on the show, thank you for listening, and I want to thank the people that came in and purchased home, auto and life insurance. They say I heard you on KU, M V, I've listening to you for a while. I've been listening for you for the last few years, and I decided to call you, and that's what I said earlier in the program. You know, time is money and time is an asset. The rates are based on your age. So if you're having birthdays, keep in mind, you know, they could have just you know, when you finally decide to buy the life insurance rates and benefits. I like to offer life insurance policies, the rates and benefits are locked in for the life of the policy. Let's talk about another benefit people don't even realize they have with their life insurance policy. It's called accelerated benefit payment rider. What that is, you can accelerate the life insurance policy if you have less than 12 months to live. You know you can. If the doctor said, Well, you know you're terminal and you have less than 12 months to live, you can accelerate your benefit while you still living, and especially if you have a term life insurance policy, this is an advantage you can use. You can take up to 50% of the death benefit while you are still living. Now, I don't know. Some companies offer to buy your life insurance policies. It depends on how long you've had them. Depends on, I don't offer that. I don't but I've heard, you know, and I said earlier, life insurance could be it is a living benefit, but they are companies out there will, in fact, buy your life insurance policy from you. They'll continue to premium payments. They cash you out a certain dollar amount, but you know, you're no longer insured with that policy, because now they own the policy. They own the policy. So, you know, some people are, well, you know, I'll pay more into it than I'm gonna get out of it, not necessarily, not necessarily, the older you are, you know, this gets more expensive. I can't emphasize that enough if you're waiting around and you're in your 70s and 80s without life insurance policy, you know, procrastinating someone well, you know, I'm gonna do it one day. I'm gonna do it one day. Well, it's not that difficult. It really is not. And then it's gonna give you the peace of mind, because all of my customers, as soon as I, you know, we signed a policy, you know, that's then say, Wow, I should have did this long time ago, long time ago. And now, if you're in your late 20s, early 30s, now listeners that listening to this program probably in their mid 50s and up. That's who listening to these talk show programs. But if you have a young, you know, young daughter, a young son, you know, with a couple of children, and they only have job insurance if they have a job insurance, and it only pays two or three times their salary, and they're making only $50,000 a year. They have three children and $50,000 yeah, that's $150,000 how long would $150,000 like? Well, less than that, because you have to pay for a funeral, and you have to pay for other expenses, maybe a car loan. And now we're down to maybe $100,000 that's not uncommon. And you have three young children under age, you know, 10 years old, and you have to take care of those under 10 year old, three children. How long would $100,000 last today? Not very long. This is why it's real important to encourage your young children to say, You know what I listen to Don Marquez on your insurance connection at K, U, M, V, 91.5, let's talk to him about getting you a policy, something that's gonna you know, and something that's gonna pay more than your job is going to pay. Because, again, if you only making $50,000 a year, and your job pays three times your salary. That's only $150,000 or if it only pays two times your salary, and sometimes you're paying for that policy as an employee. There's better options out there for you. At, let's say your late 20s, female, a non smoker, in good health, you probably get a million dollars worth of life insurance with for what it costs to get your nails done. My name is Don Marquez. This is your insurance connection. 702-236-2624 702-236-2624, you know, life insurance is a gift of love that's telling your family members that you know what I love you enough and I care. And you know, when that day comes to me, it's gonna come for all of us. It's not an if, it's a when that you are well taken care of. And especially, you know what young people and everybody you know that has one, they go out and get a mortgage. And if you get these calls for mortgage insurance, mortgage insurance is life insurance is, you know, that make it sound so easy to qualify, oh, I'm gonna get that mortgage insurance, but you that's a life insurance policy. And the problem with mortgage insurance as you, as you, as your mortgage balance goes down, also does the face amount of the life. Insurance policy. I don't sell mortgage insurance. I can, but I don't. I'd rather just have a real life insurance policy in your hand that you when your family need that policy, they're going to be the beneficiary. With mortgage insurance, the mortgage company is the beneficiary, and yet, yes, you still have to qualify for that mortgage insurance policy. Don't you ever, ever, ever buy an accidental death policy only, really, don't. You're wasting your money. I don't, I don't offer accidental only policies because you have to die from an accident. And usually is a travel accident policy, and it's reduced down to a bus, airplane or train. It has to have a fatality. At the scene of the fatality, a bus, train or an airplane. This is what the accidental policies. Accident only policies will pay, you know. So they use the words a common carrier, that means airplane, bus or train, and it has to be an accident, or an accident due to an injury, but you have to die at the scene in the accident, okay? But most people don't. I would say 99.9% of people don't die of an accident. They don't. They Dave, natural causes. So you know, when you buy this accident only policy, and you've been paying under for all these years, you're just throwing your money away. You just really are. I'm a licensed insurance agent. My name is Don Marquez, 702-236-2624 702-236-2624. My Location Sahaba Rancho, in the US Bank Center, located on Eighth floor. I work by appointment only, appointment only, and if you don't want to come in, we could do business over telephone. I can write policies, auto policies of the phone, motorcycle policies over the phone, home and renters and Yes, life insurance over the phone. Again, 702-236-2624, my business hours are Monday through Friday, from 10am to 5pm and Saturdays via phone, only 702-236-2624, my name is Don Marquez. This is your insurance connection. Have a wonderful day, everyone. It's a little warm outside, but hopefully about another four weeks, we will be cooling down right here in Vegas. You guys, be safe out there, be careful. Stay cool, stay hydrated. We'll do this again next week, until then, just keep it crispy. You.

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