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.

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. Good

Donald Marquez 0:45
morning. My name is Don Marquez. I'm a licensed insurance agent to welcome to my show, your insurance connection, broadcasting right here at K, U, N, V, 91.5, jazz and more every Sunday morning from 8am to 830 Welcome, welcome, welcome. I want to thank the listeners that came in and purchased home, auto yes and life insurance that listen listening to this program every Sunday morning. And I do appreciate the people that contact me, ask, ask me questions about you know, their insurance and book an appointment, and they show up for their appointments. So I really do appreciate the listener support, and I'm a licensed insurance agent again, right here in Las Vegas, Nevada for life insurance, California and the rest of the 48 states. I can offer home, auto, home and auto, but not life insurance, only California and Nevada and but if I need, hey, if I need to have a license in Utah or Oregon or wherever, I need to have a license for life insurance. 702-236-2624 702-236-2624, not a problem getting licensed in other states. For me, I'm really excited because I just signed up with a new company for final expense, life insurance, the underwriting is instant. We offer term iuls and whole life product up to $40,000 for the whole life product now for the term or the IUL product, it's up to $450,000 and it's an instant decision, no medical required. I just acquired this company just recently. I could because I found a need for my clients, for for instant insurance, life insurance, instant insurance, no no doctors reports, no physical, up to $450,000 no physical My name is Don Marquez. My contact phone number is 702-236-2624 located Sahara Rancho in the US Bank Center, located on the eighth floor. My business hours are Monday through Friday, from 10am to 5pm again, 702-236-2624 I will get my phone number out. You can text me at that number, or my you can email me at donald.marquez@outlook.com Again, that's donald.marquez@outlook.com I'm an old fashioned insurance agent. It'll be 30 years in the business on November, the day before Thanksgiving. I'll be in the insurance industry for the last 30 years. I prefer the phone call. Yeah, I prefer the phone call. You know, you can email me, text me, but I like to talk to my clients. You know, a lot of times too. You know, we build really good relationships over the phone. You know, we talk about all kinds of different things, where you from, where you been, how long you been in Vegas, of course, if you listen to this program for quite some time, you know, I'm from Las Vegas, born and raised here. I love my city. I don't, I don't like this time of year. It's a little warm for me. But today it was, it's gonna be warm another woman. And, you know, another four weeks of this, and then we'll be getting into the cooler months. Who can't wait? It's a little warm, but, you know, it is what it is. Every city has this something. This is our something. Let's talk about, you know, buying a used car, you know, let's talk about that a little bit when it comes to insurance, auto insurance now, before you purchase your pre owned car, or even your new purchase for a brand new vehicle, or if you and if, if you buy on your car from a private owner, caution to the wise. Make sure, if you are purchasing a vehicle from a private owner that you want, you request a smog. It even if they show you listen, I just got a smog last week. Here's a smog certificate, and if you trust that information, that is completely your judgment call to whether accepted or not, or you can verify that the vehicle was smog. At that location. However, if they don't have a recent smog, and they're trying to sell their vehicle, I would highly recommend you ask to get a smog, even, you know, volunteer to pay for it. There are some small places around here. I mean, reasonable. I mean, if it's less than, you know, a $20 bill, wouldn't it word to the wise say, You know what, I'd rather spend $20 to find out this car will pass mark or rather than buying it, and then quickly find out that, you know the engine is needs repairs or replaced because it did not pass mark. You'll be surprised. How many clients have contacted me. They call me. They get the car insurance on a pre owned car, bought purchase from a private owner, and they quickly find out that they had a bad engine. Yeah, oh, the engine was bad. I can't get the car small, and they have new no recourse. Unfortunately, no recourse. You know, they're there. You have the title. You own it, it's yours. And there's a reason why, you know, if they, if the owner, don't want to get a smog, you have to insist, no, I won't buy this car without getting a smog. We're gonna get a smog right now. But if they do a push back on the smog, then that should tell you something is wrong. You know, this is a little information that I want to share with you, because, as a licensed insurance agent offering home auto life insurance, you know, I come across many different scenarios, many different circumstances, where people have lost their money trusting someone that they don't even know, because you know they purchased a car from them. Now, normally, when you go to the dealers, you know, or you know, they have warranties, and you know, and some sticker says, as is no warranty, and when you go into office, they try to offer you a warranty some of these dealerships, right? But you do have options. You don't necessarily have to buy their warranty at the dealership, because they're gonna put all that in the finance along with the finance. Now, that's your option, but you know, there are other options for you. You can shop the warranty. There are warranty companies that you can go online find warranty companies. There's probably going to be a lot less that you probably can pay up front for and save money in the long run, because when you finance that warranty in your auto purchase. Of course, you know there's interest on top of that. So you paying interest on, not only for the vehicle, you paying interest for all those other fees and the warranty. So keep that in mind. That's News You Can Use. My name is Don Marquez, a licensed insurance agent, 702-236-2624, now this is what I you know. Again, I talked about you could purchase your own warranty when you do buy a car with a warranty. Of course, a lot of these car dealers say, You know what? We can offer you an extended warranty. We can offer you extended warranty. But if the car already has a warranty, why do you need to extend the warranty? Once the warranty is up, just get you another warranty. That's, again, that's another way to get your money. You don't have to get an extended warranty. No, when you gotta, when you purchase a new car or car with a warranty, you know, unless the warranty is going to end up in a couple of months, if they give me, oh, well, you got four more years on this warranty. You don't need an extended warranty. That's my opinion. That's my opinion. But once, once that warranty, one runs out, then you just go online and buy your own warranty. You do have many options, and you find by shopping for the warranty yourself with a reliable company, it could save you some money on their car purchase cars today, because it costs a lot of money now, all that said, you need to get the insurance first that find out first what the insurance is going to cost you on the purchase. So, you know, cars cost a lot of money today, new cars on anywhere from 40 to 40,000 and up for luxury vehicles, of course, you and your A 60s, 70s and $80,000 and you know, growing up, I can never imagine a car costing that much. I remember when the Seville came out, I'm telling my age, and they wanted $10,000 for a Seville. And my dad wanted a Seville really bad, but he said, I just can't pay that much money for a car, especially when you can pick up cars back then brand new for

Donald Marquez 9:16
like 35 $4,000 all day everywhere. You

Donald Marquez 9:20
know, Cadillacs, Buicks, I mean, you know, I mean cars, Chevrolets, Fords, oh, any car you wanted, you know, four grand, I mean, and you had a decent car. But today there's a totally different price for vehicles. I mean, I don't understand why they cost so much money. Somebody please tell me why these cars cost so much money, they use less material, right? It's a car is a computer today. It really is. They use a lot less material. Why should it cost me $40,000 to buy a car? Don't make sense when you know the same car was built, you know, maybe 4050, years ago, and it was half. Have to, have to wait buying today. I mean, double the weight will be buying today. And you know, it was probably thing, probably a lot safer car. Who knows, it was built like a tank. But today, these vehicles cost a lot of money. And when people call me for car insurance, you know, you know, I just paid $70,000 for this luxury car, but you know, you're looking for a car payment back in 1975 that doesn't work that way. It has to match what's going on today when we write car insurance policies. If that car is totaled out, we have to be able to the insurance companies have to be able to pay for it, not to say, I'm competitive. But it's just the notion that people when they go out and buy a luxury vehicle. And when it comes to car insurance, you know, you paying you, you buy, no, you bought a luxury car. So we have to cover that $75,000 luxury vehicle if the car is totaled out in a short period of time again. You know, I do. I have GEICO Insurance. I have Progressive Insurance companies, just to name a couple that I work with, and I'm representing you as an agent. Now, the question has been asked, is it more money or less money with an agent? It's the same price. Yeah, it's the same price. You know, when insurance companies, car insurance companies, they want representation by way of an agent to guide you through the step by step. Something come up, you have someone to call it cuts down on their low as far as a customer service. Yeah, insurance companies have us here for a reason. We represent them, and also we represent you as a client. So don't ever think, well, you know, I don't need an agent, because it's going to charge me more. No, it doesn't. It's going to actually save you more money in the long run, because now you have someone you could talk to, like myself. My name is Don Marquez. If you're just tuning in for the very first time, welcome to my show. I'm a licensed insurance broker right here in Las Vegas, Nevada, offering home, auto and life insurance. This is news you could use. You know, if you again, if you're out looking at buying a purchase a new vehicle, because the new models are coming up soon. And you know, leasing, I'm gonna say this, when you lease a car, and most leasing companies that offer lease brand new vehicles, they will require you to carry a higher limit of liability, the 100,000 per person, 300,000 each accident on your car insurance policy. Now, not necessarily, not to say that's not affordable, it is, but just be prepared, be prepared to pay the higher limit of liability, especially if you've been paying a lot less for car insurance liability protection, but when you lease a brand new vehicle and you will have to carry the higher limits of liability that's required by your leasing company. Now, the sales representative may or may not tell you this information, but as a licensed insurance professional, you know, a lot of times we have to be we have the ones that say, Hey, you know what? You carry the minimums now you have to carry higher limits of liability. But, well, I've been carrying the minimums for a long time. I don't have accidents. I've heard all the stories. I've heard all the stories, but this is required by look at your leasing contract and ask your sales representatives, do you have to carry the higher limits of liability when you lease a vehicle? But if, and I've seen this, if you go out and lease a pre owned car, and I've seen that, no, I don't think that's a good idea. I really don't. I don't care what the price is, you know, you still may have to carry the high limits of liability, which is, okay, nothing wrong with carrying the higher limits of liability. But if you've been on a budget, carrying the low limits, you know, for quite some time, and all of a sudden you want this, you know, vehicle, and lease it, whether it's a pre owned lease or a brand lease. Don't ever lease a pre owned car. I don't think that makes a lot of sense. It really doesn't. But, you know, you could add the numbers up see if it's advantageous for whatever way you want to go. Just keep in mind, when you leasing a car, you know, it's like renting a car. You don't own it. You just paying them those high payments. I think you can purchase something for what you want to lease a car for, but some people like a brand new car every three or four years. That's News You Can Use. My name is Don Marquez, 702-236-2624, just keep that in mind when buying a used car, or, you know, a brand new vehicle that you know, number one, you want to, if it's purchased from a private owner, you want to make sure you get a smog first before you give them any money. You want to make sure you have a clean title before you make that exchange. And get all the information you can from the from the seller, just in case. You know, there's a recourse, if any. But usually, buyer beware in the state of Nevada, if you bought it with the title you own it, and it's hard, you know, to do a recourse. Let's talk about something else here that you know that comes up quite often when it comes to your life insurance. Oh, my goodness, I could. Talk about that forever, ever, ever canceling a life insurance policy. Now, if you do have a cash value build up in your life insurance policy, you really want to now, when you get a customer service representative over the phone, you want to say you want to surrender your policy. If that's the case, you want to surrender your life insurance policy. If there is a cash value in a cash value in the policy, they will send you the money that's in the cash value, minus any loans against the policy. So if there's a loan against the policy, right, they're going to take out that first and send you the balance. Now, life insurance is a living benefit. Sometimes people just need the money. Or maybe you, you've been fortunate enough where you know you don't need as much life insurance. You're looking for a small filing expense life insurance policy. A small filing expense life insurance policy, let's say up to $40,000 or even $50,000

Donald Marquez 15:55
we can get your you, get you a set you up with a life insurance policy with no physical. Listen to me, no physical. I just signed up with this new company. Let's call a miracle. No physical. We I actually a few other questions, quick, easy, simple. I write the policy within 20 minutes, 20 minutes, and it's done. We get an instant decision, no physicals, no doctor's report. Everything is, you know, I need to know your medications. Of course. I put all that in the computer, what? And, of course, we need to know what you can afford. I ask customers, okay, what is your budget? You know, I can show you all numbers, all kind of numbers, you know, from, from, you know, one, $1,000 into the million to a million dollars worth of life insurance. But what the point is that if you can't afford it, you know, I ask, I say, Okay, where are you? How far is your budget? John, you know, $100 a month. $200 a month. I mean, where are you? I mean, you know, people like, well, you know, I don't spend no more than $75 a month. That's fine. Well, that's fine, somewhere around $75 a month that you can afford, you know, and that's easy. Now, again, when you hear these commercials on television, don't get tricked by that, because that's not reality. That's us generating a phone call. The reality is, when you call them, they're immediately gonna let you know that that under $10 policy they talk about on television all the time, that's on, that's less than $1,000 worth of coverage. It could be even, you know, it's not gonna give you what you're looking for. It's not it's just to generate interest. I want that 999, plan. Well, it just generates a phone call because they will quickly flip you over to okay, this is the policy that we can offer you, and they sell units when I mean by units. Okay, so, for instance, they say you have 10,000 units. So in your mind, you may think you have $10,000 worth of life insurance coverage. No, you don't. You may have less than half of that. This is why it's very important to get an insurance review or offer no obligations, insurance reviews and everything. I'm telling you, it's in the policy. I'm not saying anything to scare you or anything like that. But, you know, they advertise a lot, and people come to me with these policies to say, you know, because they don't have an agent to come out to talk to you, they buy they buy it, by the way, online or on the mail and then, but they don't understand what they're paying for. So, you know, customers bring their policies in. I don't offer that policy, so I read it to them, show them exactly, line by line, what you just purchased and how this policy is going to perform over time. You know, keep in mind, you know, a lot of it's a lot of companies out there that offer that accidental insurance. Please, don't buy the accidental only insurance. Don't do that. Now, if you racing cars boats, you're Daredevil parachuting out of airplanes for a hobby. Yeah. Okay. But along with the accidental life insurance, you know, you need a policy for natural causes. Accidental only does not pay for natural causes and the cost of funerals today, you don't wanna take that chance. You know? I mean when it comes to your final expenses and all your wishes for your loved ones to be well taken care of, whether you're here or not, you know, I mean, what I mean by that is life insurance is a living benefit, but when you're not here, all of a sudden, you know your loved ones, they are notified immediately on your finances, whether you took care of your finance business properly, or whether you just let it go and not care less about the next generation, and you're leaving your next generation in financial debt. You know, passing on financial debt to another family member is not fair to that family member. We all have to prepare ourselves. You know, some of us maybe not be great with saving money, but this is a way to save money through a life insurance policy. Just think about it. You take out a $50,000 Life insurance policy. You just put $50,000 in your savings account, and you just pay a little on it each month, right? I mean, you just pay a little loan each month. We pay monthly for so many other things that we really don't need, but we, you know, we got television now as a utility and I pick on television because I remember growing up without paying the utility bill on my television, and it's like, okay, if I want to get these different networks and I have to pay for them, shouldn't have commercials, right? If I'm paying XYZ amount of money every month, why do I have to pay? Why do I have to watch commercials? I don't watch these commercials, but it is what it is. I mean. So if you want to watch the premium programs, you can, but that's an ongoing bill that, you know, people pay every month, and I've seen people paying over $200 a month for television. That's a lot of money, and a lot of these channels you don't even watch. So why not take, you know, reduce your cost of television, and invest in the life insurance policy? Yes, I said it. Life insurance is an investment in your family's future, money that they will surely need to pay for these very costly funerals. Today, funerals range anywhere from 15 to $20,000 and I'm gonna tell you something. They at the funeral home. I'm talking about at the mortuaries. They want all their money up front. No, we're not financing you. We need all the money right now. How are you going to pay for this? Wow, and you quickly found out, you know, your dad didn't have any life insurance. Every time you mention life insurance to your dad, he's always pushing back. Oh, well, I don't want to talk about that right now. Why are you worried about my life insurance? You know, it's a reason why people had that conversation that that kind of tone toward life insurance, because they don't have any, they don't have any, and no one is putting a death wish on you they just wish and hope they're not stuck with this large bill, you know, coming up, really. I mean, think about it. How many people, you know, loved ones have to, you know, figure out a way how to make this funeral payment, you know, and it's expensive, you know, minimum, even a cremation today, with a ceremony, maybe one or two limos, if any. You still anywhere from eight to $10,000.08 to $10,000 for a cremation, service, funeral, yeah. So don't think is, you know, because what they do, they have to prep the, you know, the remains. They have to, you know, put the rent, you rent a casket, and after the service, on the cremation we're talking about. And then after the service, you know, then they, then they cremate the remains, and give you the remains and earn. And then you decide what you want to do there with her. Now, some people want to put the urn in their home. I don't want to earn in my house, but, you know, some people decide to do that, but it's your it's your choice. But just don't think, you know, I can get this done for a little of nothing. No, it doesn't work that way. This is 2025, and funerals today, on average cost anywhere from 15 to $20,000 we're talking about traditional burials. Now, if you are a veteran you know over the Boulder City Cemetery, that is, you know, located in Boulder City, you can get your your plot, your container or your vault as part of your veterans package, as long as you have an honorable discharge and you have access your Family, going to need access to your DD, 214, but that plays for the plot, that plays for the headstone, and also the vault. Keep that in mind. That's use you can use, and that's about $8,000 savings, by the way. Some people want to be shipped at another state. I don't want to be buried in Vegas. I want to be buried with my family members in Kentucky, for instance, right, for an example. But who you know the the remains have to be prepped here first. That's cost money, right? You have to buy a plane ticket. The mortuary has to transport the remains to the airport to put it in the container. That has to be all paid for up front and on the receiving end, one way ticket. The mortuary owner receive it in. Has to pick up the remains from the airport and take it to the grave site or the funeral home, or however you desire to, you know, put your loved one or your family member to rest. This is all cost money. It's all costing money. And when people say they don't want to talk about it, but they want to tell you, Hey, I don't want to be buried in Vegas. I want to be buried in my hometown. And, okay, well, do you have life insurance? Well, I don't want to talk about that. I just want to, I want to let you know where I want to be buried. Well, then the next question is, who's going to pay for all of that? So you know, and I say this to you, keep in mind, stay positive, because that day comes. It comes for all of us. Do not put your family in financial debt. Now we can pass on generational wealth by way of a life insurance policy is a tax free benefit no matter how much life insurance you get, once that policy pays out, it is a. A tax free benefit. You know, I have Whole Life policies up to $40,000 we can go with term. It starts at 50,000 we can go with IUL starts at 50,000 and up. You know, no health examination, just a few health questions. And I, I'm on my computer, and we could do it either or the weekend, right? I could write to a life insurance policy face to face or by way of phone, 702-236-2624, 702-236-2624,

Donald Marquez 25:35
rates and benefits are locked in for the life of the policy. That means you will not outlive it. The rates stay the same, you know. So you don't worry about now, if you have a life insurance policy where you see a slight adjustment on the monthly premium, or every year, the policy is adjusting, we need to have a conversation. We need to talk because, you know, if you're 86 years young, you cannot get life insurance anymore. You just can't. Now, if you're in your 70s and 80s with no life insurance, no matter what your budget is, I'll find a policy that will fit in your budget. 702-236-2624 702-236-2624, my name is Don Marquez. This is your insurance connection. My business hours are Monday through Friday, from 10am to 5pm located Sahara Rancho in the US Bank Center. My Location is on the eighth floor in the US Bank Center. I work by appointment. Again, 702-236-2624, I'm a licensed insurance, professional, home, auto life insurance, boat and motorcycle insurance. I want everyone to enjoy this beautiful weather we have in Vegas is still hot, but I say it's beautiful because it's nice and warm. The nights are beautiful. The days are it's a little hot, but the nights, oh, you cannot beat the Vegas nights. Oh, my God, I like to sit back in my backyard listen to KU MV on my patio, enjoy a nice, cool beverage with plenty of ice in it and enjoy the night. I mean, when the sun, when the sun sets, is nothing like Vegas nights. No mosquito bar, very few mosquitoes. And just enjoying myself and just enjoying KU nv 91.5 jazz or more. Thank you for listening. We do this every Sunday from 8am to 830 we'll do this again next week. Until then, just keep it crispy. Thank you for listening. You.

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