YOUR INSURANCE CONNECTION

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This is a k u and v studios original program.

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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 Donnell Marquez, this is your insurance connection. Happy Sunday morning. Super Bowl Sunday is here in Vegas. I'm excited. I hope you're excited to as well. Listen into k u and v 91.5. Jazz and more. My name is Don Marquez. Yes. And the electricity is in the air in Vegas. I can feel it, I'll be filled too as well. I know. I know a lot of you will get together and celebrate the football game and have a few cocktails maybe one too many. And do not drink one for the row because if you get pulled over for DUI, I'm gonna tell you what's going to happen to your car insurance. First, you'll get arrested, you'll spend the night in jail or maybe the weekend in jail. Your your license will be suspended. It's gonna be about 85 to $9,000 bail. You have to carry an sr 22 on your car insurance. It's it's really bad and you could lose your job. Just depends on your type of occupation. If you have a CDL you CDL drivers you know how that will affect you. So if you do go to the football parties, and you have to drive home, be very careful. And don't drink too much. Just oh I have a designated driver. There you go. Somebody doesn't drink. It's always good to have a non drinking person going to these parties. You know I need to find me a non drinker person going to my football party. My name is Donald Marquez. That's the third time I said it but I love saying my name I want you to remember my name. That's why I said so much. I'm a licensed insurance broker and I come on kill you envy 91.5 Jazz and more and more Sunday mornings from 8am to 830. To talk about insurance, my contact phone number is 702-236-2624 702-236-2624 located right on the corner of Sahara Rancho. In the US Bank Center, located on the eighth floor, I work by appointment my business hours are Monday through Friday from 8am to 837 02. To 362624 702-236-2624 Let's sit down and have a conversation about your insurance. No Obligation insurance reviews you come to see me with your policies auto home life. I get a lot of calls for life insurance because people they need life insurance and when they call me for life insurance. You know my what I want to know is how much you can afford it each month. It doesn't you know how much people want to know how much can I get you can get anywhere from that you can get 10 million or you can get whatever you want. But can you afford it you know I know you in the mail and when we reach a certain age or even just purchase a home they offer these mortgage they what they call a mortgage insurance. Mortgage Insurance is life insurance. Okay, mortgage they make it sound like okay we're gonna protect your mortgage in the event you have early passing. But you do have to qualify for the mortgage insurance is life insurance is a term decreasing life insurance policy not the greatest policy to have. I don't offer those because as your mortgage rate goes down, so does your face in mind or your policy but your bill stays the same. If you qualify with the average home costs around about $500,000 So that means you will take out a $500,000 life insurance policy and you may or may not qualify for it or you may or may not be able to afford it. We can find a policy that will fit in your budget 702-236-2624 This is News You Can Use. I am with UnitedHealthcare and just recently I went on there I registered on their website it's calling you know if you're with United Healthcare, they have what they call a U card and this your personal identification card and they give you money on UnitedHealthcare that you can go shopping. I went I registered on the website. I put in my membership number along With my cart ID number. And they set me up. And I saw I had a little a few dollars on there, I had $40 on UnitedHealthcare to go shopping, and I went shopping on their website, this is NEWS, you can use the register if you're if you're with UnitedHealthcare. Now, I don't know I'm not I'm not a licensed health insurance agent. I am a licensed insurance agent. Not all insurance agents sell all insurance, we categorize what we like to offer. But this is news you could use, you know, go on their website, or whatever the healthcare provider you have, you can get your your medicines mailed to you. Or you could shop for over the counter products, I actually purchased a shower ahead and with the with the with the tube to go with it. And the showerhead and the cord. And also I purchased a watch, that will give me my blood pressure and my heart rate. And that was within my $40 and they put money on your card every quarter, every every three months, they put money on your card. And if you don't use it, you will lose it. It'll tell you about your benefits or co pays. You need to update any for any information. You can update your primary care physician if you've changed primary care physicians. Hey, that's a that's a good thing. Money on your car. I had no idea. I had no idea. There was money on your United Health card. I had a physical just a few days ago, one of the representatives from United Healthcare came to my home. And they tell you they gave me a blood pressure check. They checked me to see if I had diabetes or did a blood pressure. Yeah, I did the whole thing the blood pressure the stick of the circulation of my fingers in my feet. And fortunately knock on wood. I do not have diabetes. I was below seven. You know so it's a good thing to have, you know, get updated with your health insurance. I noticed a lot of moving parts with health insurance. I do not offer health insurance. But News You Can Use. This is your insurance connection. 702-236-2624 702-236-2624. Let's get right to it. We lost another one. This just recently, Carl Weathers Carl Weathers played in the first Rocky movie, he was Apollo Creed. May his soul rest in paradise. I really love those rocky adventures, and the Rocky series still going on today. It's amazing how I can I can stretch those movies. But yeah, so he he played Apollo Creed and the first rocking. He passed away at age 76 We never know. We never know when we're gonna go. I mean, he looked very healthy to me and football player or turn actor 76 years young. And now he's gone. Car weathers May your soul rest in paradise. That being said, life insurance, my favorite subject. always my favorite subject.

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Listeners that's listening to me right now, I want to ask you a question. Do you have life insurance? And if the answer is no, you I give my phone number out every week with your life insurance concerns. With the rising costs of funerals today, anywhere from 15 to $20,000. It makes a lot of sense to me to have the protection that you need. So your family members will not be put in a stressful situation where they cannot afford to take care of your final expenses and their expenses as well. With the rising cost of inflation. I know there's that there are adjustments you can make. You know I made adjustments in my life. Because I very rarely go out to eat. Very rarely. I like eating at home, I've prepared my own food. And for lunch. I used to go out to lunch almost every day. But I stopped going out to lunch or take my lunch with me or I just diet until I get home in the evening and have my and have my dinner, eat maybe once a day, maybe a little mid snack. But you know I save money by not having those power lunches. I used to go out to lunch and um, you know my lunch bills averaging 3040 $50 Almost every day for lunch. I'm like What am I doing? I could take a lunch to work to my office. But I was I was spinning that and you probably do the same thing going to the fast food restaurant. It used to be you can get a fast food lunch for for less than $10. You can't do that anymore. If you're going to work it without your lunch. Or if you retired and you spend a lot of money in casinos feeding those slot machines. We need some life insurance. Do you need some life insurance? I can help you find a policy that will fit in your budget and I No retired people call me all the time and say this. I'm retired, I'm on a budget, I'm working, and I'm on a budget, I get that I can help you find a policy that will fit in your budget benefits and benefits are paid in 24 hours, you know, a long time. So you just need a small policy. Now I do offer the larger policies 100,000 200,000. And up, if you want to get a million dollars worth of life insurance, no problem 10 million no problem. However, if you don't qualify for those larger policies, I do have policies Whole Life policies without a health examination that you can qualify for. And sometimes, and most of the time, I should say, the insurance is instant, meaning you're insured day one. And if you need accidental added on the policy, we can't add accidental benefits enhancement on your life insurance policy can add a child writer, children under 17 years young, we can add them on as a child writer on your life insurance policy, we'll make the payments very simple, very easy for you can select the due date between the first and the 28th of each month. Most of you like to 15 but monthly draft directly out of your checking account. annual premiums if you don't like paying monthly bills I get that we can make we can set it up for you where your bill is annual or you can just pay it direct annually or semi annually 702-236-2624. Now your child riders, even your grandchildren, we can add your grandchildren on your policy as long as they're 17 years or younger. Now the questions are simple. And the last pass while was run off a few questions for you. At a fast and the past, While much has the applicant use any form of tobacco? That's a yes or no answer. Now, here's here's a question I get that some people say, Well, you know, I smoked cannabis from time to time, but I don't smoke tobacco, we do not rate you as a cannabis smoker. In other words, if you do smoke cannabis, we will not rate you as a smoker. We're talking about tobacco products, cigars. Now if you're an occasional cigar smoker, and perhaps you only smoke a cigar once every four to six months. I won't rate you as a smoker. I won't rate you as a smoker because there's no physical. But if you smoke cigarettes every day you are a smoker, or you could be a preferred smoker, they use smoke a pack of cigarettes in three days. But I know, you know when people drink, they like to have a cigarette. You know, I watch these commercials on television, advertising Vegas. And it's funny to me because I used to work in the casino, and the casinos are full of smoke. All of them are most of mine. Anyway, when I worked in a casino, I left at 9318 years in a casino business, just to share some information with you. And I watch these commercials on TV. everybody's all excited. And you see these young pretty girls walking around with the cute little short dresses on and, and the guys, you know, all dressed really nice, is that's That's an illusion. And everybody's winning money. That's an illusion. That's an illusion, you go to the casino, you see people walking around with oxygen tank with a cigarette hanging out of their mouth. I mean, that's what you see, you know, you see people just putting their life savings in these machines I enjoy is have no problem. But you know, if you're doing that every week, or you know, you know you on occasion, and you don't have any life insurance. You know, let's make a few little sacrifices here. Instead of going to the casino eating all the time and gambling all your money away. Let's get a life insurance policy. We can set you up with a small life insurance policy. So you have that peace of mind. And you make your payment every month not not to sacrifice your total experience in the casino because you know Have fun, enjoy life you You've earned it. But you know, make sure your loved ones is not put in debt because you don't have a life insurance policy. Because you just keep waiting. I don't want to talk about I want to wait. And that day comes and now your family has to sacrifice their finances to take care of your final expenses. 702-236-2624 702-236-2624 So let's get back to some of the health questions. Here's another one in the past two years. disease of the heart including heart attack, or heart surgery, congestive heart failure, yes or no disease of the circulatory system including stroke aneurysm or been advised to have surgery to improve circulation. That's a yes or no question. Have you had cancer in the last two years other than basal cell skin cancer? Now basal cell skin cancer is a cancer that's on your skin to my knowledge, but that if you have basal cell skin cancer, we won't rate you as cancer and you will be approved you won't be denied even if you've had cancer. Now with cancer. If you're not stage four, stage three, and you have to have more than 12 months to live, we can get you a life insurance policy. So you don't be afraid because you if you do have cancer, you're on chemotherapy, and you have more than 12 months to live. That's the noun to have a conversation or if you have a loved one. With Cancer, we can help you get a life insurance policy that will take care of your final expenses when that day comes. Now, if you've been treated and you're not fatal, not stage four, we can talk about a life insurance policy that will fit in your budget, disease of the lungs, including COPD or emphysema. Other than asthma, we can get you a life insurance policy if you have liver kidney disease, or had an organ transplant within the last few years. Yes, I can get you a life insurance policy. Now, your loved ones with Alzheimer's or dementia. Right? We need to have a loved one that can oversee to help you make that decision. Now if you have Alzheimer's or dementia and you're listening to this program, don't give up we can get your life insurance policy, your insurance connection. I'm a licensed insurance broker that will find a policy that will fit in your budget 702-236-2624 My name is Donald Marquez, this is your insurance can make sense. I broadcast right here K und 91.5 Jazz and more every Sunday morning from 8am to 830. This day, especially Superbowl Sunday. Can't wait for the party to start. I'd like to chiefs, that's my team. Now, a lot of people from California are living in Vegas and probably visiting this weekend. I do have company coming to town this weekend from California and their products are probably betting on San Francisco. I'm gonna take a little side bet with them.

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It's gonna be fun. I'm excited. I'm really excited. We've never had these events before, you know, we'd never thought in a million years. And I'll go way back. Born and raised in Vegas, that we would have professional sports in Vegas. A Super Bowl, that was like 20 years ago. Are you kidding me? In Vegas? We didn't have any professional sports. But now we're a sports Mecca. And soon probably get a baseball and basketball team. How about that? Las Vegas, Nevada, we're on the map. Yeah. And we're growing and getting better all the time. And that and, and growing as the rate and we're growing. And the people are living longer, which is a good thing. But as long as you live healthy, you know, take a walk, you get some sunshine, I'll get a little rain in your face here lately has been raining. And it's okay to walk in the rain. But good low hell to get get yourself checked out. I spoke with a lady just the other day. So you apply for life insurance policy. And she was applying for a larger life insurance policy. However, her blood pressure was so elevated. But unfortunately she didn't want she did not qualify for the life insurance. But we did have an alternative for her to get a policy. And the same thing could happen to you. I did inform her to see a doctor right away because her blood pressure was very high on the high end and for the blood pressure in the heart rate. You know, I don't see all your results. When you do apply for a policy. And these type of policies. We're talking about 100,000 and up for the face amount of the life insurance policy. They don't tell me your medical information they but they do tell me a little bit if you don't qualify. And and the only reason they tell me a little bit so I can inform you to go see your doctor. I can afford me to go see your doctor. But again, that's private confidential information. Most of it for the most part, most of my clients do qualify for the life insurance policy. And once they do qualify for life insurance, they all say the same thing. I'm so glad I took care to take care of this. I should have did this a while back when I was a lot younger. But now is done now I can assure you between the ages of one years young, all the way to 85 years old. If you have a loved one or yourself with HIV or AIDS between the age of 40 and 80. I can get you a life insurance policy. Yes, I can get you a life insurance policy even with HIV or AIDS between ages of 40 and 80 years young just recently signed up with a company that will offer life insurance up to $25,000 with a protection if you have AIDS between 40 and 80 years young or know someone that has life that needs life insurance that have AIDS between age of 40 and 87 zero to 236 2624 702-236-2624 My name is Donnell Marquez, this is your insurance connection. I'm a licensed insurance broker, just a little history about me. I started back in 9090 96. That's when I received my first license. As a licensed insurance agent. I interview with a few insurance companies, but I felt very comfortable. When I started my insurance career with Allstate Insurance Company. I stayed there for seven years with my own agency. And, you know, it was time to part ways with Allstate. They wanted me to get my my securities license. Working all day working hard all day, I had a family and I just didn't, I didn't want to get a security license. So we part ways I sold my agency. And I joined a triple A insurance company, which I stayed there long enough to retire. And in 2015, I decided to, I decided to be a broker, I wanted to be an insurance broker, when I found out being a captive insurance agent working for one company, that I'm very restricted what I can't offer my clients, I can only offer my clients the products and services that that one company offers. Now, if it doesn't fit in their program, well, I had to call a broker, I would get on the phone, and I knew several insurance brokers, and they had multiple insurance companies that they could reach out to, and get my clients insured. So I felt like well, you know what, I'm losing business. So I need to, I also need to be a broker. Now, to be a licensed insurance broker, you need a lot of experience, because you do represent multiple insurance companies and I have multiple programs, I am and multiple passwords, the passwords, oh my goodness, I wish it was just one password. But you know, when I go on these different sites to find you the best policy possible, that fits in your budget that fits in your lifestyle. There are a lot of different passwords. But that's the technical part of it. But with the heartfelt part of it is when I've been there for many families over the many years of my career, and they lose a loved one. And the loved one came in and they purchase a life insurance policy. It just gives me the satisfaction that I helped a family get through some very difficult times. Very difficult times, and I can help you now, applying for life insurance is not that difficult. It's just a matter of saying, you know, this is what we need to do. Let's get it done. If you're a smoker, I've had very few smokers call me for life insurance, you need life insurance. And don't think because you're working you know I'm working right now. And if you're paying for life insurance on your on your job, you do have other options. 702-236-2624 My name is Dawn Marquez 702-236-2624. Now I've had people contact me and they want to cancel their life insurance. But you can't, you can't, can cancel it. But you may have other options, because you need the valuable coverage. And especially if you've had your policy for quite some time, you know, you can reduce the face amount of the policy. If the life insurance has gotten getting a little expensive. I prefer you to come in and have an insurance review, no obligation I'll do not charge for insurance reviews. But we will see that what better option for you. Now, if you have a policy, you can't quite afford it at this time. And you and your because you retired and you said well, you're trying to cut down on your budget, you can contact your life insurance company and reduce the face amount of your large life insurance policy. Now we're talking about policies in the 100,000 300,000 and up policies that when I want to keep my insurance, but I don't want to lose it, you can reduce the face amount down, or if you need to, because you know your loved one or yourself is getting ready to go into a nursing home. You may want to look at transfer of ownership. In other words, your life insurance could be a part of the nursing home, or they could take your life insurance as an asset. And they will own your life insurance policy but if you transfer of ownership to your loved one and maybe even to your spouse, transfer ownership Now what that means you still insured on your life insurance policy. However, there's a different owner they cannot take your life insurance policy as an asset, because what they're going to do is make themselves a beneficiary. Just like I talked about earlier in the program, those mortgage mortgage insurance is the mortgage company is the beneficiary on a mortgage insurance policy. If you just purchased a home, you get this information in the mail, purchase mortgage insurance protect a mortgage, but that's simply a term reduction life insurance policy. 702-236-2624 My name is Don Marquez. 702 to three six to six to four. This is really important change of beneficiaries if you have lost your primary beneficiary, I've seen this so many times in my many years in this business, where the, the husband passes away first, and the wife does not put another beneficiary on the policy or in reverse, where the wife dies first, and the husband doesn't put a new beneficiary, a new primary beneficiary on the policy on the life insurance policy. Now, when a person dies, and when the named insured passes away, without a beneficiary, then the policy goes into probate. Now, more than likely it will go to next of kin. But you know, it just that's more paperwork, that's more red tape, that's it doesn't flow. You take your life insurance policy in when you lose your loved one, the funeral home will take their proceeds out, you file an additional claim along with the death certificate, get the balance of the life insurance policy tax free, that's seamless, it's very easy to do. If you're in a situation right now you lost a loved one. And you're a little confused with the life insurance yet you don't know if whether your life insurance, your loved one had a life insurance policy or not. You can contact me I do have ways to help you find your life your loved ones life insurance policy. I know because I've heard many times over the years that people are going to love one's house and tear it up

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looking for that life insurance policy because you know, it's going to be a very expensive bill and someone has to pay for that very expensive bill a you know 15 To $20,000 to bury a loved one Don't let that happen. Don't put your family in that position. You know every time you go to the store and you buy whatever products and services you purchase you know you make another family's you know you could you'll keep in their wealth wealthy, you're keeping them wealthy when you go to store and you buy a soda. You buy cigarettes you're keeping that family wealthy. Why not? You know, failing financially secure your family 702-236-2624 We will do this again next week. At from 830 to nine o'clock. Enjoy the game everyone. That's next week does keep it crispy. Thank you for listening

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