YOUR INSURANCE CONNECTION

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This is a key when the studio's 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.

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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.

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Good morning. My name is Donald Marquez. This is your insurance connection broadcasting at K u and v 91.5. Jazz and more Sunday morning from 8am to 830. Welcome to my show. Been on the album's two years, right he had k u and v 91. Five I want to thank Dr. Ridley for this opportunity and, and also my engineer West for keeping the time here and also the customers that has contacted me to listen to this program on Sunday morning, May Day 30. And came came in and purchase home auto yes and life insurance. You know life insurance is one of my favorite subjects. Just the other day I received some information in the mail. It says congratulation, Donal Marquez, your insurance benefits have been upgraded to level five, wow, hold level five, that's 100% higher than your new membership gets at the same cause. Think of what extra money you can it means to you and your loved ones. And if an accident strikes, so that's the whole key. So I received this information in the mail from one of these motor clubs. Okay, I'm not gonna tell you which one but you probably received the same information too. But you really need to look at this life insurance offer is travel accident, airline accident, travel accident, motor vehicle, motorcycle, calm and carry a bicycle or pedestrian accident, and including other accidents. But the biggest hook on this the whole benefit of this policy is a travel accident insurance policy, which most of you receive in the mail, not only for motor clubs, credit card companies, you know, banks, even credit unions, accidental only insurance never pays out in I mean, it's very rare. When accidental only policy pays out 27 years in this business 27 years in the insurance business. I've never known for an accidental only policy to pay out. And who do they target a target use your seniors, the seniors out there from 70. And up because you haven't bought any life insurance or real life insurance policy, but these offers come in the mail look very attractive, okay, they look very attractive, because you can get, you know, close to a million dollars worth of insurance for love a little of nothing. For 20 years. I mean, it offers like too good to be true. And it's accidental only but you know, you receive something in the mail, you say to yourself, you know, I know one day I'm gonna pass away and I haven't, I haven't contacted dimer chasm to buy a life insurance policy. And all of a sudden, this offer comes in the mail. And they say they're upgrading you to level five, I don't know what that means. But because I didn't buy level one, two, or three or four. And why they want to upgrade me that blows me away. But this is what you receive in the mail. Do not fall for this. Because it's not going to be there if you pass away of natural causes. And 99.9% of all people listening to this program, and also 99.9% of people all over the planet earth will pass away of natural causes. So the likelihood of you passing away as a result of an accident is highly unlikely. Now it does happen from time to time, especially with car and motorcycle, boat accidents, things like that does happen. But the likelihood is going to happen is very you know the odds are stacked against you that's going to help you pass away by way of an accident. This is why it's good to have a whole life policy, universal life have term life insurance policy in place because it'll also cover those natural causes. When you pass away have heart attack stroke, you know, diabetes, kidney, liver, you know, heart disease. I mean, the accidental life insurance policy is not going to pan it's just not and it's really sad when your family members

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they go to go to the funeral home with accident only life insurance policy and you pass away of natural causes. They're gonna look at GSA, you know, what is this does not this is not going to cover the cost of services. And this is why my dad's been peddling this policy for years. And now I'll tell you well, this accidental only your dad passed away of natural causes, he had a heart attack. This happens every day, all day, all the time, not only here in Vegas, but everywhere, and I'm trying to educate my listeners, it's a better way, is a better way to get a life insurance policy. Now, when you retire from your career, after many years of service, they may offer you a policy that extends beyond, you know, the workforce. Now, once you leave the workforce, then sometimes some of these employers will offer you extended insurance, but you out of the group, they want to keep the group young, when you buy a group insurance through work. They want to keep the group young as you age, you know that that creates more premiums for the group. So they completely separate you from the group, the group pay a zero rate, why are you still working, let's say you work at a casino or something like that, right? You work at a casino, a large corporation, and they have their own life insurance. And there's three times your salary, which in most cases is still not enough life insurance. Because when you retire, that policy is gone, or they extend the policy to you, out of the group, you're going to pay out of the group rates. And every year, or every three to five years, that rate will increase as you age. There's a better way, my name is Don Marquez, this is your insurance connection. For more information, my contact phone number 702-236-2624 702-236-2624. Let's find a policy that will fit in your budget. Something you can afford is really very easy for simple for me, the process is very simple, very easy, you come to my office, which is located on the corner of Sahara Rancho. In the US bank center with an appointment, I work by appointment 702-236-2624, I'll get my phone number out, you know, until the end of this conversation. And so if you didn't get it, I'll give it out some more doing this broadcast 702-236-2624. So let's break it down. When you come to see me. The first thing I want to know is what medications you're on. Of course sometime height and weight may be a factor. Of course your that your age. So security now we need to sell security number because the life insurance companies is gonna run a background check on you. There's nothing I could do with your social security number. But when I fill out your application, that information is forwarded to our underwriting team. They review your current medications you're taking, and don't think you don't qualify because you're taking medications. We just like to know the risk. Your body determines the terms the rate, your body determines right your height, your weight, your age, whether you are a smoker or nonsmoker, whether you have a history of diabetes, lupus, cancer, but don't if you do have a history or currently have lupus, cancer, diabetes, Alzheimer's, you know, arthritis, the list goes on and on heart disease, kidney disease, COPD, I can still get your life insurance policy, a policy that will build cash value over time. But once you sit down and go over your medications with you go over your medications with you, show you your different options on the computer. This is why it's important to make an appointment. But come in with your current policy if you have one. And I'll I'll read your policy to you. So you can fully understand the most important part of the policy to know what your policy is going to look like five years from now 10 years from now, that has to be important to you because as you age, that policy could go up as far as the premium dollars and the face amount of the life insurance policy could decrease over time. You know, police officers, even postman. I've looked at their life insurance policies once they retired, and you do have you do have other options other than what your employer offers you 702236 to six to four. Let's say you just want a policy, a simple policy, a final expense life insurance policy to cover a cremation Well, you know, most people come in to see me they want a policy that covers cremation. That's that could be a $10,000 face amount life insurance policy. Now up to $10,000 or even more depending on the service with that $10,000 whole life insurance policy. It does have a column for where the the years of you pay into the policy. It has a column to death benefit. It also have the column called the cash value column. Every time you make a premium payment over time, it shows you how your cash value accumulates over time. That way if you if there's an emergency and you need some money, you You do have other options to get to borrow money from your life insurance policy, if it's a whole life policy, and accumulating cash value, term does not have a cash value, keep that in mind. term does not have a cash value. Now with the whole life policy, again, you have the the years you pay into the policy, the death benefit, the cash value, and you can see your cash value grown over time. Now, a lot of Whole Life policies have the reduced paid up. What does that mean? When you pay and other people say this to me? Well, you know, I paid into my policy for so many years, I could to save that money. And most people don't say the money, I'm gonna tell you that. They just don't, because things come up. A life insurance policy is as a savings account as an asset. But to reduce pay it up. If you pay it into your policy, let's say you paid into it for 10 years, 20 years. And you say to yourself, well, I don't want to pay on it anymore. I want the policy now to have the benefit there. But I don't want to make any more payments. This is why you have to reduce paid up insurance, you may not need the full face amount of the policy, you're going to have the policy reduced down to a certain dollar amount, you have insurance for the rest of your life, no payments. Let me say that again. When you use the reduce paid a portion of your life insurance policy, the face amount is reduced to a certain dollar amount. Depending on your years you've paid into the policy, you have that insurance for the rest of your life, no more payments. My name is Dawn Marquez, this is your insurance connection 702-236-2624 located on the corner of Sahara Rancho. In the US Bank Center, located on a four I'm here for you, the extended term insurance, it shows you two days in the years we're talking about a whole life policy. And we're talking about the index page of the policy. Follow along with me, you can take your loan on life insurance policy out and look at it review it, you should look at it and review it. So tell you what, where is your policy going to be 510 years from now, how much cash value you have accumulated. Or if your policy is going to end when you turn 75, or even at a lot of policies will end. When you turn 75. Later, when I write a life insurance policy, I'm writing it for the long term, so you won't outlive it. Or in some cases, we do right term insurance at your insurance connection. The extended term policy of the policy means that if you go to work, and you don't want your policy to lapse, you contact the insurance company and utilize the extended term insurance. The extended term insurance means that your policy will be paid, they'll be they'll pull money from your cash value to keep the policy from lapsing. You know you out to work. And this is really good with with the construction workers. Because you know, sometimes as a construction worker, you're in and out of work or if you're an entrepreneur, and you have those months that up and down months where you know, for the first six months is great. And now you know as seasonal your your what you offer, your products and services would you offer could be seasonal. And now you may be out of work for the next three months. But using the extended term insurance, you know, on your whole life policy, the policy would pay for itself, depending on how many years you paid into the policy. Oh, here's an example I'm looking at an illustration right now.

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$10,000 face amount, the cash value is there, and the extended term in the fifth year. If you don't if you can't afford to make the payments, the policy will pay for itself for eight years and 136 days. This is information News You Can Use. My name is Darren Marquez 702-236-2624. When you buy a policy in the mail, no one comes to your house and go over this information with you. Their insurance companies have insurance agents for a reason where their voice where their information, we tell you exactly what you paid for. We go over the policies with you. So you get a full a full understanding of what's available to you and your family in time of need. Or when that day comes and it comes from all of us. Your family members know exactly what you have. And once you take out a life insurance policy, do not let it lapse. Keep the policy this is your safeguard for when that day comes and we never know what day that day that day may be for all of us. I mean I get a little emotion when I talk about it because as as an insurance professional for many years in this business. I witness when people come to me after the fact they say you know I had a policy and I let it lapse and unfortunately, you know I need life insurance but my health has changed Oh, here's another word family members come to me. And I said, Well, you know what we're signing up the family. Because we lost too many family members would have no life insurance. And we're not going to continue to cycle a debt. Because it creates cycle of debt, it does create debt. So you have the cycle from one generation to the next, you're creating debt instead of generational wealth. Now, on the flip side of that, a life insurance policy can create generational wealth or prevent you from going into debt. In the United States, the average person who passes away $60,000 in debt they leave behind. That's a lot of money. To close out want to state $60,000, let's say is even 30,000. But that's gonna be that could be absorbed right away, a funeral costing $20,000, you have $10,000 left on a $30,000 state, right? So you got to have that the funeral is gonna cost you 20,000 and is still $30,000. You know, of dead. Or let's say the, you know, the person close it, close them out, it's $30,000. The funeral is going to take up two thirds of that, and 20,000 I will keep this in mind. You know, it is important to go over your policy, to make sure that you understand it if you don't understand it. I offer no obligation reviews to review your life insurance policy. 702-236-2624 My name is Donnell Marquez, I'm a licensed insurance broker, I love what I do. I do because I get to people, I get to meet people like yourself, they come into my office. And you know, sometimes we chop it up a little bit, and especially if you're from Las Vegas. So you've been here for a long time. I was born and raised in Las Vegas. And you know, I could tell you when Vegas didn't look like Vegas does today. Everybody knew everyone, small town, only seven high schools to get guests to give you an idea if you just moved to Vegas. I know sometimes you get insurance shocked when it comes to buying car insurance for the state of Nevada. Like, I don't know why people think when you come to Vegas, your car insurance is gonna be a lot less. It's from some mid town in Idaho, that you came from population 300 people, and you're in the middle of nowhere in Idaho. And you have this idea that in Nevada insurance, especially southern Nevada insurance is going to be less than where you came from. No, no, no, not in most cases. And I represent multiple car insurance companies. And our rates are what they are every city has something that's arson. Unfortunately, this or something, but I'll take it any day with earthquakes, volcanoes erupting, you know, snow, rain all the time, I'll take the car insurance because I love our weather in Las Vegas, Nevada, enjoy this weather, go outside, go go to the lake, the lake is nice. This time. It's not too hot. Went out to the lake last last Sunday, I enjoyed myself. It was just a perfect day, you know, stay there well into the evening. And it was just a really nice day to be on the lake. But you know, get out enjoy Vegas, you know, sometimes being watching too much television, and hypnotizes. You know, after so many hours of television, I have to walk away from television, turn it off, read a book or read a magazine do something different. But this is good information for you to carry on with and talk to your family members about who is the beneficiary of your life insurance policy. I cannot stress that enough. If you and I want to give you prime examples. If you got a divorce and your spouse's primary on your life insurance policy, now, you pass away that person still living ex is still living, you know the ex receives all the benefits or some of the benefits or a majority of the benefits, then that may not be your intention, but you did not do an insurance review. In other words, you didn't review your policy to get to get an update. Once you get an update on your policy, you know exactly where you are with your life insurance. You know this money that you spend on life insurance each month is really affordable. If you go to the coffee shops and buy a $5 cup of coffee. I don't even I don't understand the language is so nice coffee houses as give me a large you can't say that. You got to say it differently or given and this tall a latte and I mean venti What is all that? What happened to small medium large.

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Small, medium large, I understand that language. I don't understand the whip and the dip and its splash. I just I just give me a cup of coffee. Let me get out of here with a cup of coffee cuz you almost five hours, you know, but $5 a day five days a week. That's $25 a week. That's 100 dollars a month is spent on coffee, where you can simply just get a coffee machine at your house. Coffee beans, grind them up, drink your coffee and a lot less cost, not only to go to the coffee shops, but the gas it takes you got to stand in line, everything that they have at the coffee shop, you can get at the grocery store, they have your own brew in the morning. So you can sit back, relax, and you're saving money. Now to offset, you know, you go into the coffee shops every day, a life insurance policy. If you can spend $100 a month on coffee, you definitely can spend money on life insurance policy. Keep it in mind, because your family's going to need this protection. Go into that coffee house every day. You know, and when you do pass away, that's not going to benefit your family. But it's not how much money you make. It's what you do with the money you do make. You know you can make some slight adjustments while instead of going to the coffee house because that's one of the things I do enjoy. I didn't go to a coffee house maybe two days a week, instead of five days a week, and then save some money on coffee. However, get me up, I get myself a life insurance policy. I've talked to people. And I said, Well, you know, the only thing I do is smoke cigarettes. That's my only Pepe. I don't drink. I just smoke cigarettes. Well, that's fine. That'll make you that'll make you a lot healthier than most of us. But you're smoking cigarettes. Where are my smokers, I get very few smokers calling me. And I know people listen to this program for probably smoke a cigarette right now. Listen to the program, but no life insurance. My name is Dr. Marquez, let's let's do some changes this year, let's change what we're used to doing. Plus, you know, walk away from what you're doing all the time, you know, and try something a little different, you know, make it make it possible for your family when that day comes to not to worry about how much money you know we have to come up with. Can we afford this? One of our alternatives not only the funeral itself, and the funeral costs in the cemetery cost is totally separate. This is what life insurance does for you. It is not going to replace your loved one. But it will absorb a lot of those costs that you will incur. Now, not only a funeral, you got to pay for but now you have mortgage. You have rent, car payments, car insurance, food, utility bills, you know, I mean, and if you have young children, what about their education, you know, to take care of your young children, or you have grandchildren you want to leave money to is so many things, you can do it a life insurance policy that will benefit your loved ones. It won't replace you. But it'll definitely help your loved ones. On in a very difficult time. I had a gentleman call me. Unfortunately, he lost his wife a couple of weeks ago. And he had no idea what a life insurance policy was. He was paying, she was paying on it. He said my wife was paying on the policy. But I looked at I told my house up looking for his life insurance policy, I have no idea what the policy is, what I advise him was to look at her checking account. Look at her checking account statements. On a checking account statement, it'll tell you that life insurance company does pull in the funds out each month. For the policy, he found that information other than he was clueless, he found the information, I gave him the phone number to file a claim. Also, when you do file a claim for you know a life insurance policy, you may have the option, the life insurance company will send the money to you direct, and then you can be a cash buyer going into the funeral home. Because when you do go into a funeral home, and they use your life insurance policy, they're gonna charge an additional 10% on already the large amount of money they're gonna charge you anyway for the full service. Now they're gonna charge you an additional 10% to get the money to to to take care of the service. Because the funeral home don't want to wait for the death certificate. They don't want to wait on it. They need to get paid right now before they bury you. Right. So what they do they charge an additional fee, because they go out to this third party lender to borrow money to put your loved ones rest I'll put you to read. And this is what they do. Now your loved one is stuck with an additional 10% On top of all the costs they have to pay. Now that extra 10% can go toward your beneficiary to pay other off other bills maybe as a car that's left behind the needs to be paid on. Definitely the car insurance, homeowners insurance, renter's insurance, mortgage, renters. Life goes on. Life goes on. You got to ask yourself the question. What is my family gonna look like one song? I will they survive financially? Once I'm gone. You know, I know we're doing fine here, but I'm not gonna be here forever. When that day comes from me You know, how would they be financially? Or your spouse? If your spouse were to pass away? You know, what would your family look like with that, without that additional income coming in? Without additional income coming in you as you have to ask yourself the question, you know, am I doing right? By my family, you know, you may have nice cars, nice clothes, go to all those you know, to shows on the Strip. But that means nothing wants you to go. You know what your family wants to know it? Okay? You live a good life? What are you doing? Now? What are we doing here, he lived a good life, they lived a good life. But now they left all this debt first. For us, you know, that's not fair to them. One of the leading causes of bankruptcies today is because of loss of a loved one. And if you have a spouse, you want to look at spouse, and you think about, okay, I don't have life insurance. You know, I don't have any life insurance, if my wife, if I pass away before she does, was gonna, what is going to happen to her, you have to think about that, or, you know, women and I mostly see women, but majority of my clients are women. I can get 10 phone calls, it's an eight of those 10 calls a woman, they come in, they take care of business, I want to applaud the women thanks so much. But, you know, it could go either way. So if you get a life insurance policy on yourself, get one on your spouse to as well. You know, and it could be for the same fence, but we never know who's gonna go, who is going to go first? Well, we all know one thing, we will go. But you got to ask yourself the question, you know, that happens to me today? How will my family survive financially? You got to ask yourself that question. That's a very important question to ask yourself. Please think about this, because, you know, families are devastated when you lose a loved one, if you can qualify for a million dollar life insurance policy. Why not? Why not? You know, if you if ever inherited a life insurance policy, as a result of a loved one passed away and you are the primary beneficiary, now you kind of get what I'm talking about, you know, although again, it doesn't replace your loved one but it does give you that financial satisfication you know, you're satisfied financially because you're not in dire straits to say you know what, I knew I need to sell a house I need to sell cars I need and I got to pay for his funeral in Hama do all this you know families are devastated. You need to satisfaction that to know that your family is going to be okay. You know, loss of income, that person know that empty chairs and at the table. And then here are all the bills are right in front of you and you're trying to figure it all out. Now, what most people do is file bankruptcy. they file bankruptcy, creditors ruin and sometimes bankruptcy. Filing bankruptcy has an effect on finding employment. All this goes into play when you lose a loved one. You want to be able to take care of your financial responsibilities while you're alive. I can help you do a process is very simple. 702-236-2624 702-236-2624 my location is on the corner of Sahara Rancho, in the US bank center, eighth floor I work by appointment 702-236-2624 It is not that difficult. final expense. If you if you have a history of lupus, cancer, diabetes, depression, diabetics, so many diabetics, I had no idea that many diabetics out there that if you have diabetes and been turned down for life insurance, I can find a policy for you. I have a policy for you. If you want blood thinners, I can get your life insurance policy 702 to three 626 24 702-236-2624 My name is Don Marquez. This is your insurance connection broadcasting at K u and v 91.5. This is your insurance connection. I'm a licensed insurance professional right here in Southern Nevada and soon to be licensed in California. 70223626247022362624 My name is Dr. Marquez. We'll do this again next week. Until then just keep it crispy.

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