YOUR INSURANCE CONNECTION

Unknown Speaker 0:00
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.

Unknown Speaker 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.

Unknown Speaker 0:46
Good morning. Good morning. My name is Donald Marquez. Welcome to another edition of your insurance connection. It's good to be back in the studio. For the last couple of weeks, I had to have the show pre recorded and because I was sick. Hey, you know I wasn't feeling well. But I'm back. Your insurance connected. I'm your favorite insurance agent right here. Broadcasting at ke u and v 91.5. Jazz and more. In I'm part of the more because we have talk radio, right here at KU envy. And we educate our listeners. Many different talk show varieties of talk shows right here K, u and v. So let's keep it live right here. And our music is second to none. Nice, Jazzy, relaxing music along with you know, the more and I'm part of the more My name is Don Marquez, this is your insurance connection broadcasting, that que un vegan 91.5 Jazz and more 8am Sunday mornings to 830 Pull up and you know, let's let's go here we go. I just have been out for the last couple of weeks. And in I received phone calls from many of our listeners from KU envy. And I want to thank the listeners that came in and purchase home, auto. And yes, life insurance. COMM couple of things have come up. When people are buying shopping for cars, please get an insurance quote before you purchase the vehicle. Find out about the warranty if you need to purchase a warranty, you do have other options. When it comes to purchasing a vehicle warranty. You don't necessarily have to get the warranty from the dealer, you do have other options. If for car doesn't have a warranty, as solid as is, and there's no dealer warranty, you can go online and find a warranty company. You know, put the make model and the vehicle in and the warranty company you can shop warranty companies that will repair your vehicle when those days come up, and they come up for all cars, or when they need to have repairs. So you want to make sure that you know the warranty that you have is, you know comparable to what the dealer offers, you know, and sometimes the dealer will pressure you to get the warranty that day. You know what, if it's good that day or that night, it'll be good tomorrow. So don't don't feel like you're pressured to purchase a warranty from the dealer, you have your options to shop you can always go back to finalize the deal and say, okay, you know what, I think you want these a little bit better than what I seen online. And we'll go forward with your warranty at the dealership. Now, if you don't purchase the warranty from the dealership, you know, make sure that you know you can take your car to the dealership from the warranty company that you select, that's news, you can use save you a little money by shopping around a little bit on that warranty because what the dealer wants to do is put that warranty within that contract. Right. So not only you got to pay for an additional fee, you may have to buy GAP insurance right because now the value of the car is more than it's worth the balance of the cars more than it's worth. Now you need now you need GAP Insurance along with the vehicle warranty and that raises your payment and you're paying additional interest on top of the car, the gap and the warranty where you can simply probably avoid paying both the gap and the warranty by you know just getting the warranty from a separate company. You know again but every situation is different. But you should find out what the insurance is going to be on the vehicle before you purchase the vehicle for more information you can contact me at 702-236-2624 702-236-2624 that way you know exactly you know when you go out and buy nice vehicles like the luxury cars and I've had customers many of my customers contact me and say well you know my luxury vehicle is only it's only five years old or three years old you know and I sit but we go by how much it cost to replace the parts on your on your high end luxury vehicle. The parts that we purchase are going to be brand new are the high end luxury vehicle. So look at it, you know, when you want to roll and style, it's a fee for that. And you know, people wonder why well why my insurance rates are much higher, or buying this luxury vehicle? Well, the luxury vehicle costs a lot more probably they've doubled the price. But what used to happen, and because now you want to step up into that dream luxury car, well, this is whether it's a Cadillac CTS or robot Range Rover or our Mercedes Benz, you know, BMW, and the list goes on and on. Before you shop for those luxury vehicles or any vehicle, make sure you contact an agent, and talk to him about the price of the insurance, what it's going to cost 70223626247022362624, I'm available Monday through Friday, from 10am to 5pm is my business hours, my location is on a corner, the cross streets are on the corner of Santa Clara and Rancho in the US Bank Center, located on a floor, I want to be your insurance agent. I love what I do. And I've been in the business for the last 28 years, and counting. And counting 28 years and counting. I just love it. I mean, I don't I was meant to do this. I get a chance to talk to you. You come in with your insurance concerns. I look over your auto insurance, your homeowners, your life, your renters, you know, and if you don't have life insurance, this is the limo with life insurance, my life insurance people that out there that kicking the can on life insurance to get an eight on at age where? Well, you know, if I get life insurance can be a little a little expensive. And not necessarily. You tell me how much you want to pay for life insurance. I'll put that information in the computer, it'll tell me exactly how much life insurance you can afford. Now, don't get tricked by these advertising on television. And you know, it's a lot of misunderstood advertising on television. We can rate start as low as 999. How much life insurance you're gonna get from that. And over the many years, I've asked people that said well, in their 70s, how much life insurance you think you're gonna get for 999? And the numbers that I get is just amazing. Well, I don't know. But I'm thinking at least 25,000 for 999 a month for real really. I mean, that only make sense. Now you're in your mid 70s. And you think you can get $75,000 worth of insurance for 999 a month. That's not real. That's not being realistic. Now, when they advertise that 999 What it does is just generates a phone call. I don't represent that company, you know, what a company I'm talking about? And there's several out there, okay, is several companies out there that advertise for you to generate a phone call? And then they're going to tell you the real rate, what rate you qualify for. But see, that's that's called bait and switch is old sales tactic has been around for extremely long time. But no, I tell it like it is I want to know, because I want to know, when it comes to life insurance. I want to know your age, your date of birth, okay. Hey, wait some time on some policies, not all policies, ask for height weight. I do have policies that ask the question, how tall are you how much you weigh? And those policies with no questions asked about height and weight, there's no physical. Let me say that, again. The companies that I have, that don't ask height and weight, there's no health examination to apply just a few of questions. Very easy to apply very simple. And the application process is not as not going to take all day. Because it's going to take a short period of time to submit the application. And to see if you qualify, and I'll get an answer that day, in real time. So about 30 minutes, 30 minutes of your time, can change, you know, change everything for you. It'll give you the peace of mind that you really need the fleet. So you won't put your family in a position that you know, when you when you when we all go and we got an instant they selected for all of us. You know, you know, you're not leaving your family financially devastated. You know, I've been to many, many funerals over my many years of living. And you know, and I was born and raised in Vegas, but I've been all over the place. I've been all over the country. I've been in a few countries outside of our beautiful country. What I have noticed, when I go to a funeral, when I go to a funeral, you know, you can always tell when there is no life insurance because the person in the casket has a sad look on their face. You know, they they have the sad look on the face. But when I go to a funeral, and if we're like that was life insurance involved and a person took a life insurance policy out, look like they have a smile on their face and the casket is okay because I take care of taking care of my family. But the ones that didn't They take care of their family because they read, you know, thinking about it. And you know that time caught up with

Unknown Speaker 10:06
time caught up with you now your family is devastated. They don't even have time to grieve. And you land in your casket with a sad look on your face because you didn't take care of the business, you should have taken care of. It is really simple, really easy. We all need life insurance. We all have a number all it is not a if it's a win, win, we go, are we going to leave our families devastated? financially, emotionally distress, you know, does your does your spouse have to move out of the home, they come to, you know, comfortable bowl and for many years, a home they love, they don't want to move. You know how difficult it is to move today. What you have to do is, you know, you lose a loved one, you lose the income because you know, your loved one didn't take care of business. And it happens every day all day long. Now you have to sell a house. No, you have to sell a house or you have to move out of the apartment, move in with your children. Because you know, you talk to your spouse about life insurance and I don't want to talk about it, you know, the excuses. But one little phone call once my own phone call could change your trajectory to having life insurance. To secure your family's future is 702-236-2624. It's not that difficult, very simple, easy application to apply for most people will qualify even when health issues. Many of you out there have diabetes, type one type two diabetic doesn't matter what your a one C is, it's okay if it's above seven, that's fine. We can get you a policy with no health examination. If you have diabetes, type one, type two lupus get your life insurance policy no problem. Cancer, a history of cancer whether you are you know on on a cancer medication right now and we can get you a life insurance policy at your insurance connection. As a broker, I do the shopping for you I do not share my information only with the company that we select. However when you when you choose to go online and and look for your life insurance or even auto insurance or any your insurance products, you're exposing yourself, you're going to receive many phone calls for the next few months. You at home relaxing watching you say favorite program on television, and all of a sudden now you get a call and then you get another call anybody oh my goodness, wow, these people keep calling me and you can hang up, you get very frustrated. However you did it to yourself. Now when you contact me, I don't share your information. I don't sell your information to lead sources. Only the insurance company that we select, I'll provide their information and they don't sell your information to other lead sources. My name is Don Marquez, if you're just tuning in for the very first time welcome to the show. I've been here at K u and v 91.5. Jazz and more two years, two years and counting. Talking about insurance. I'm a licensed insurance broker right here in the state of Nevada, my hometown I grew up in and I love Vegas. I do look at all the exciting things is happening around city you know we're getting our roads repaired. Everywhere you go. We have cones on time it gets a little. It's very frustrating, especially when I traveled on the I 15 northbound or southbound because my office is located right on the corner of Sahara and Rancher. Those are main cross streets. I have and I live in Henderson, but I have to get on my I got to get in my vehicle drive northbound to get to my office, it only takes about it when traffic is flowing nicely. It only takes about 25 minutes or 30 minutes to get to my office. But when it's congested and slow down, it slows me down was about 45 minute drive. Now once all the repairs are done, is going to be very nice. We're going to be able to commit on the I 15 northbound southbound, it's going to be a breeze no more at five o'clock, you know we have all this traffic. So it's a little bit of inconvenience now, but I can see in the near future where we're going to enjoy being able to travel northbound and southbound right here in Vegas, pass the stadium without slowing way down. And just keep going on a journey to our destination. You know but it is a little bit inconvenience. But I'm hearing for you. I will come in my office meet you at my office, we make an appointment. I'll show up we go we go in my office, we sit down and talk about your insurance concerns. Now with life insurance I've had many of you come in and you kind of pick my brain a little bit. You want to know what you can get. Well, I want to know first of all what medicines you take. You know, what medicines are you currently taking? What's your medical history? You know, I need Need to Know Your doctor's information. There may be records pull from the doctor's office. But the most important is what medications you take, it's going to tell me where to place you. The easiest way for me to offer a life insurance policy to my clients, I want to know what your budget is, is very simple, very easy. The reason why I ask what is your budget, that way I can put that, okay, my my budget amount is, you know, whatever that dollar amount is, I'll put it in the computer, it will tell me based on your health and your age, how much life insurance you can get. There's no gimmick to it is very simple, very easy, because I can explain to you what term is whole life is universal life insurance. But you may not qualify for the universal or the term, because those policies start at 100,000. When underlying health conditions, lupus, cancer aids, I can still get your life insurance policy, COPD. And I know if you've been turned down for these policies in the past, or a lot of you sit down those accidental only life policies that come directly from your banking institutions, your credit unions, and you buy these policies because you feel well as is coming from my bank, my credit union and you feel secure. However, that's not a good policy to have accidental only it does not cover you for natural causes. I do not believe in and offering my clients a single, accidental only life insurance policy, accidental only life insurance policies. For the most part, they do not cover car accidents, accidental only in the loss of parents in a car accident. Think about it. You know, if you perished in a car accident, it has to be at that scene and had that fatality has to happen at the scene of the accident. And unfortunately, a lot of these accidental only policies do not cover car accidents, because the car has his own insurance. If you have insurance and your pilots headlamps, of course, but the car has his own insurance. And this is why they exclude in the accidental only policy, car accidents 702 to three 626 24 My name is Darren Marquez. 702-236-2624. Now I do have a team member on your insurance connection. Her name is Christine Banaras. She's been on the show with me before she can help you. She is a paralegal. She can help you with your your your grant. A bargain deed of sale. quitclaim deed, writer survivor, she's also a notary, she has notary services, and she can help you with your resume, power of attorney, medical and financial power of attorney for your loved ones and even for yourself. Because you know, sometimes we when you know family members get up in age, and they may develop Alzheimer's dementia, or the you know, just bad memory loss. It's good to have a POA or power of attorney, Christine Banagher. She is a paralegal. If you need an attorney, or if you're going through a divorce or whatever situation may you may go through. If you have a DUI. You know, it's always good to talk to the paralegal first to guide you in the right direction. Her number is 702 a 574401. Christine Banagher team member of your insurance connection 702-857-4401 And if you have to meet her in my office, she can meet you right on the corner of Sarah and Rancho my office address is 2300 West Sahara avenue, suite 800. That's the eighth floor in the US bank center. Right around the corner cross streets on a corner of Sahara Rancho whereby appointment only for for your legal needs against you can help you with a power power of attorney medical and and financial last will and testament promissory notes. And also if you need to put someone on the deed of your home because it will pass your home down to the next generation avoiding probate very important information or have you received a speeding ticket at 702 a five 744 01 She can make arrangements to reduce speeding ticket down to a park to a parking ticket. Now I know a lot of you go through the courts and they say okay the judge say well you know we got to get this reduced down parking ticket don't worry about it and and now you come to me for an auto insurance quote. Now I've seen this happen many many times in my career.

Unknown Speaker 19:54
Right date, car insurance now have to run their driving history right? Run your driving history and All of a sudden now I see a speeding ticket on September 10. You know, 2022? Well, people sometimes tell me is why? Well, you gotta you must you put that in there? How would I know? You received a speeding ticket? September 10 of 22? I don't know, how am I supposed to know that it's on your driving history, because when you go to the, to the courts on a speeding ticket, and you pay the fine, and they tell you, they will reduce it down to a parking ticket, it doesn't always happen. That doesn't always happen. So keep that in mind. And when we do see that speeding ticket, on your driving record, it will affect your rate, it will affect your rates 702-236-2624, well put the homeowner out of together to give you the bundle. Now in the home discounts, auto auto discounts to home, or if you're a renter, same thing. Yeah, auto insurance, and renter's insurance with the same company, I can make it happen where we give you the bundle, discount the home and auto together to give you the bundle. Now some of these insurance companies. And I just I just heard about this, and I'm gonna say the farm, you know, I'm talking about the farm, there's a couple of farms out there. So, but one of the farms is you have to pay your premium in full for six months. Now, I don't offer the farms. Okay, I don't do that. But you know, I do have companies that will offer monthly payments. And you know, some of these insurance companies for auto insurance, they're getting away from the monthly payment, they want you to pay in full for six months. And the reason for that is people they get auto insurance now everybody now the ones listening to my program, they don't lapse because listening to this program usually isn't audience of 50 and older 40. and above, I should say 40 and above your insurances intact. But a lot of over the many years of my career in the insurance industry, I've seen where people will take out auto insurance, and they get the ID card, and then let the policy lapse. Well, that's no good, because you still gonna get a fine from the department of motor vehicle, you will get a fine from the problem of motor vehicle. And it's $250 for the first 30 days. And it goes up after that $500 for 31 days and up to $750 with a suspension. I mean, the fine, just go. But you know, I know sometimes people say, Well, you know, I can't afford to pay car insurance. Why do you have a car. If you cannot afford to pay car insurance, you should not have a car. There's not a right is a privilege to drive anywhere in this country. But you do need car insurance. Because you know, No one wakes up and say you know I'm gonna have an accident today. Because you know, it's that day that day to have an accident. The sun is shining, it was a good day that next day, no one says that it just happens. And all of a sudden you don't have any car insurance or your policy has lapsed, don't let that happen to you. Now, when you do shop for car insurance, you know, your news, you can use bump the coverages up if not already, at a higher limit of liability. If you have the minimum state requirements, you're not really going to find a lower rate. And if you only been with your company for a short time less than three years, your your chances of final lower rate is very difficult. Even if you have accidents or tickets, you know sometimes when you bump your coverages from the minimum, to the next level, which is our state minimums are $25,000 per person 50,000 Each accident and $20,000 property damage. If you raise that to 50,000 per person 100,000 Each accident $50,000 property damage on your bodily injury, it will help you find a more fine a more competitive rate. Doesn't matter how long you've added on your policy, you can have it on there for one day, as long as we see a declaration page with those coverages. That's all we need to verify. And it puts you in a much better position to shop. Now if you want to take it even further. You can go 100,000 per person 300,000 Each accident $100,000 property damage on your bodily injury, that's gonna put you in a more favorable position to shop for car insurance. Now when you go from the state minimum, so higher limits of liability, it could affect your policy for a short time, but that's not gonna cost you that much money compared to the money that you save. You know, and that's that's news you could use. Also, at the DMV. They have this thing called Real ID. You've heard about it right. If you want to travel and domestic airlines you have to have the star on your driver's license. That that ends that's going to be mandatory. The Real ID we require it beginning May 7 2025, we still have a little time left. Now the DMV is you know about two months in hot behind, you do have to schedule an appointment. But I do recommend if you do have to go to the DMV to maybe get a handicap sticker or, or renew your driver's license, whatever you need to go to the DMV for what services they provide, try to do it all at once. Now with the Real ID, you're going to have to have your some some military passport, or your passport, your military ID, excuse me, your military ID passport, your social security card. Now, if you're a woman, and if you've been married, and you change your name, or you've changed your name a couple of times, because you've been married more than once, you're going to have to show proof. You know, I know ladies, I really feel bad, because when you know when women change their name, it just is very difficult. I mean, I I can understand some marriages, where the where the wife will say, You know what, I don't want to change my name, you change your name to Milan my last name, and you see how that works out. But I can understand just because of shuffling of the paperwork. You know, it's it's a lot, you know, because if you've been, you know, divorced and remarried, that's really causes problem because now you have three last names your maiden name, your first marriage last name, now your new marriage last name, it's just a lot for women to go through. I get it, I understand. But to get the real ID and it's only a start is placed on your driver's license in the upper right hand corner. It allow you to get on airplanes, federal buildings, even going on military bases if you have access to a military base, but the real ID is here, it's not going anywhere. They want to show proof of identity when you go in there. And also you have to show documentation of your primary residence. You have to show up documentation that you ask actually live there by way of showing maybe two utility bills a power bill, cable bill, if you have cable or satellite or however you do watch your television. You need documentation going into the DMV, showing proof of residency. My name is Donald Marquez, this is your insurance connection. I want to help you better understand your insurances. This is News You Can Use 702 to

Unknown Speaker 27:30
three 620-624-7022 362624 I can help you step by step if you have a life insurance policy that's going up in price. And you know I've heard people say well, you know what, I have a life insurance policy. My my spouse is at a certain age, I can't let it go. You know, there may be other options. Let's take a look at it. I need you to bring in your life insurance policy. I'll review the contract and see what your options are 702-236-2624 My name is Don Marquez. This is your insurance connection. Get outside. Take a walk and draw beautiful weather right here in Vegas. This is like an early spring. Don't you love it? I mean where else we can walk around you know people all over it. In the colder parts of the country. They still wearing coats if the snow was on the ground and shoveling themselves out of the snow rain every day. Go look at us in Vegas. We're gonna walk around with a T shirt shorts and in March and if your birthday was February 29 Happy birthday. You're very you're among the very few. My name is Dan Marquez. This is your insurance connection. We'll do this again next week. To then just keep it crispy.

Transcribed by https://otter.ai