YOUR INSURANCE CONNECTION

Announcer
0:00:00
This is a KUNV Studios original program.

Wesley Knight
0:00:04
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 & More, the University of Nevada Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

Donald Marquez
0:00:25
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, homeowner's insurance, yes, and we talk about life insurance. Welcome to the show.

Donald Marquez
0:00:46
Good morning, my name is Donald Marquez. Welcome to another edition of your insurance connection broadcasting right here at KUNV 91.5. Jazzing more early Sunday morning from 8am to 830. I know it's early y'all but it's all good. You know the weather is getting better.

Donald Marquez
0:01:05
We can get up have a nice cup of coffee or whatever you like to have in the morning.

Donald Marquez
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Tea and me.

Donald Marquez
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See you can have your favorite beverage in the morning and listen to me talk about the valuable information I talk about all Sundays at 8 a.m. to 8 30 and we're talking about insurance yes that's what I do I'm an insurance broker right here in Nevada and also California giving you valuable service to two people that need the service and you all need insurance because when you have insurance, you know, you can contact an insurance agent and I've had this conversation many times with my clients. You know, they call 1-800-INSURANCE, no matter what you're looking for.

Donald Marquez
0:01:48
And you receive a customer service person on the phone. And when you try to ask questions, you know, they're pretty much order takers. They don't really get personalized. They don't ask you a lot of questions. They have a script. They go by and they ask you the pertinent questions they

Donald Marquez
0:02:04
need to know okay this is your price for insurance no matter what it is no matter what product it is they just have a script and line by line okay yes or no uh... what car you own what's your date of birth

Donald Marquez
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uh... your address zip code blah blah blah blah nothing personal hey mister jones how you doing today uh... you know where were you born uh... you know i i have conversations like this with my clients, you know Well when a client comes to see me, it's a point more of a personal, you know appointment We we talk a little bit about each other. I let people know about me They tell them a little bit about themselves and then we get right down to it. It does make a difference

Donald Marquez
0:02:44
It does make a difference When you have a personalized relationship with your clients, no matter what profession you're in, it does make a difference. But, you know, when people get on the phone and they're looking for the lowest cost insurance possible, keep in mind you get the lowest service possible. OK, so when something comes up and you need immediate service, you need that personalized information. That one eight hundred individual you spoke with the first time and you probably had a great conversation. No problem. You probably are. This is a great price I bought the insurance, but you're not gonna get that person again ever

Donald Marquez
0:03:21
You're not you know, you can call call call. Hey, well, you know I did I had a had a conversation And this person was really great on the phone. I forgot their name You know We talked a little bit gave me a great rate and I would like to talk to that person again because I have some matters of concern I need to go over with about my insurance regardless of the product that person is not available That person is not available. This is the difference. This is the difference between me and

Donald Marquez
0:03:50
a 1-800 insurance agent the problem with the 1-800 insurance agents They they're all over the country or it could be in another part of the world You never know because a lot of this information is outsourced to resources in other countries and they write your insurance and you know you never see them. You never hear about them. You don't know they don't have an office but this is why it's good to have an insurance agent like

Donald Marquez
0:04:17
myself to get the personal attention that you need. You know because you do need personal attention. When you're spending the amount of money you're spending every single month for insurance, don't you deserve an insurance agent? You do to go over your concerns if you get in a car accident. Who do I call? You call that 1-800 number, you're going to get bounced around a lot.

Donald Marquez
0:04:42
You go 1-800, this stranger, that stranger you're going to talk to. When you have a personal insurance agent like myself, you can contact me directly and I'll tell you exactly what to do. That's that's simple it's easy to understand and does it cost more to have an insurance agent? No it does not. It's the same fee. The companies that I represent they represent too as well. I mean we only have a handful of companies that we can offer nationwide anyway. I mean it's just it's that's the facts. You know I represent 48 states in our United States. I can write insurance

Donald Marquez
0:05:17
in 48 states for car insurance and homeowners. Some states I can't write homeowners because Florida you know what's going on in Florida. California is a little tough writing homeowners in California because of the fires, the earthquakes. Vegas you know we can write homeowners in Vegas, Reno I mean it's all over Nevada definitely all over Nevada. Homeowners auto with some states have these,

Donald Marquez
0:05:42
you know, consistent, you know, they're consistent with the weather, the earthquakes, and you know, companies do have the right to not offer insurance in those parts of the country, or if they do offer it, it's very expensive. Fortunately for me, I'm licensed in California and Nevada

Donald Marquez
0:05:59
for life insurance, auto insurance, homeowners, boat, motorcycle, but I can offer auto insurance in other states throughout the country. My name is Donald Marquez. This is your insurance connection. My contact phone number is 702-236-2624. the corner of Sahara Rancho in the US Bank Center located on the 8th floor. My

Donald Marquez
0:06:30
business hours are Monday through Friday from 10 a.m. to 5 p.m. Now where is US Bank Center? Right on the corner of Sahara Rancho. If you live in Las Vegas everybody knows where Sahara Rancho is. Right across the street from the Palisades Hotel. I see a lot of you going over there making your football bets good luck. A little bit of a crazy season but you know hey if you can win win. I stopped betting a long time ago I mean I just I make personal bets every

Donald Marquez
0:06:57
blue moon little small fun bets but the best like only when Super Bowl is around or you know the Rose Bowl or something like that but nothing serious nothing at all serious every week putting in my bets and just getting disappointed every week and the casinos love it. They do, they come again. I don't like the point spread.

Donald Marquez
0:07:18
You know, when your team can win and you can still lose. I don't like that. And then if you do a straight up bet, whether win or lose, you don't make much money. So it's just good for me. I was born and raised in Las Vegas.

Donald Marquez
0:07:29
I've seen people lose their fortunes, lose everything behind gambling. If you do have a gambling problem, please seek help. Or if you have an alcohol problem, please seek help. My name is Don Marquez, I'm a licensed insurance broker. I have a personalized service that I offer my clients

Donald Marquez
0:07:46
for auto insurance, homeowner's insurance, yes, and life insurance. We all need life insurance. We all will have a final expense one day. Someone is going to be responsible for our final expenses, or you can be responsible for your final expenses today.

Donald Marquez
0:08:05
And stop procrastinating about, okay, I need to take care of this, oh, I don't wanna talk about it, let's stop making excuses. Every day we wake up, we have an opportunity to change things in our lives.

Donald Marquez
0:08:16
Every single morning you get a restart. Every day you get a restart. And don't kick the can and say, I'm gonna do it the first of the year. What difference does it make whether you do it the first of the year you do it now

Donald Marquez
0:08:27
I know the holidays are coming up But they're just around the corner and now is the time to act instead of being Procrastinating about doing things the first year, you know what happens the first of the year first of the year new year's come around Everybody's celebrating us a new year We have an election season going on right now, and we don't know how that's gonna turn out You know all people wound up about that right now. But that will pass and we have to move on with our

Donald Marquez
0:08:53
lives regardless of who wins the election. We have to move on with our lives and we have to protect our families. We do have to protect ourselves our families because when that day comes and it does come for all of us, do your family have the financial resources to pay for your final expense? Every single person will have a final expense. It's just a matter of time. And everyone has a time and our clocks are ticking every single day.

Donald Marquez
0:09:20
What are you going to do? What is your family going to do if there's no money available to take care of your final expense? Now when I mean final expense, I mean, you know, paying for a very expensive funeral. Very expensive funeral that costs anywhere today from 15 to 20 thousand dollars. Cremations with a ceremony are running anywhere from 6 to 8 to 10 thousand dollars with a crypt because people are saying well you know I want to be cremated that's really inexpensive. Yeah it can be without a ceremony.

Donald Marquez
0:09:52
And let's break it down with these cremations because I have clients come to me and say well you know I've heard a cremation only costs what it costs and it's low. And I say yeah but what do you want to put the urn? Huh? They don't think that far. They just think a cremation is less than $3,000, okay?

Donald Marquez
0:10:10
And it could be less than $3,000, but what if people don't want to, and you ask your loved ones, do you want to put the urn in the house? No, I don't want the urn in the house with the ashes on the urn. It's kind of creepy. That's what some people say sometimes. No, I don't want to earn so now you need to buy a crypt or a grave site to put the earn in

Donald Marquez
0:10:30
And that cost money. So now the the cremation was less than $3,000 Let's say on today's prices with no ceremony just a direct cremation. That's what we're talking about here Okay, because I've heard people come in my office and they have this, you know, okay, it only cost this much I've heard it only cost this much and that is a possibility however Family members don't want to keep your earn in the house

Donald Marquez
0:10:54
Now you need a crib with the nameplate on it the little flower stand put the flowers in and the eye level with the cribs as they put your your Your earn in the vault and they close seal it up close it up put your nameplate on there and people Your family members come there put flowers on their special occasions or they don't come at all you know how they go. But your remains are there, your ashes are there in the end of all and you earn. They

Donald Marquez
0:11:22
don't want to put it in the house and that costs money. Who's going to pay for that? Now let's fast forward after that's done. Now we have rent to pay. Now we have a mortgage to pay that you left behind. Right? You left those bills behind because we all leave some type of responsibility behind. These are final expenses. These are final expenses that your family will have to take care of, you know, financially and sometimes. Unfortunately, family members don't have time to grieve

Donald Marquez
0:11:51
because they have to go take care of all of this business that you did not take care of. Or you didn't tell them where, you know, the life insurance policy is. You didn't put their name on the savings account, the checking account. They have no access to your finances. That's unfortunate. And then if there's a house involved,

Donald Marquez
0:12:13
and this happens all the time, if there's a house involved, you didn't put anyone on the deed because you're the last survivor on your home. Whether you have a mortgage or not, you didn't put anyone on your deed. You didn't have a will. You didn't have a trust. Now your house goes into probate

Donald Marquez
0:12:30
These are things that happen every single day with all families You may have the best intentions in the world for your family members to re-inherit your house, your money in the bank Whatever your assets are you leave behind, but if there's nothing written written down, how are they going to receive these assets how are they going to receive the assets of a home if no one has a if no one has access to your checking account banking account mortgage information no will no trust and no no one is on a home for right a survivor think about these

Donald Marquez
0:13:13
things I can help you in the process. This one I talked about earlier, the personal touch. I'm a licensed insurance broker, but I have contacts with paralegals, attorneys, that can help you set up a will, a trust, and you can put your life insurance policy in the trust. For instance, let's for an example, if you have a $300,000 life insurance policy, and you don't want your loved ones to get all the money at once Just immediate money to take care of the final expenses now. I'm not an attorney. I'm in the licensed insurance broker I can offer you the policy if you qualify for the policy I can offer you the policy you put the

Donald Marquez
0:13:53
policy in the trust the life insurance policy in the trust and the you know you get it your beneficiaries receive an immediate disbursement and over time, they receive the balance of the face amount of the policy through the trust. This is the way you ensure that you're not gonna blow the money in no time.

Donald Marquez
0:14:12
Usually when people get 300,000 or whatever the face amount is of the life insurance policy, that money goes very quickly. It goes very quickly. Now, I've heard people come in and say, well, you know, I want that mortgage protection insurance.

Donald Marquez
0:14:27
Ooh wee, that is so misleading. It really is. Because most of you probably won't want to pay that payment if you have a $500,000 mortgage. Now you want mortgage protection. And if you're healthy enough to qualify, good. But you know that mortgage protection is really, it's around people's focus around people probably in the mid 30s or 40s you know because it is a 30 year term policy that's what it all it is. Now I don't offer those mortgage protection policies because what the mortgage protection does as your mortgage

Donald Marquez
0:15:02
decreases so does the face an amount of the mortgage protection. Now your payment stays the same but as your mortgage decreases the face amount of that mortgage protection policy also decreases. Now you still making the same payment over a 30 year period. Now all of a sudden your mortgage goes down to zero. The face amount of the policy also go down to zero

Donald Marquez
0:15:25
and you still making the same payments. I don't think that's fair. Now, if you're gonna make that payment every month, why not? And you pass within 30 years. Now your family members,

Donald Marquez
0:15:36
I'd rather have that face amount stay the same and the payment stay the same for 30 years on a term policy This is why it's important to have a personal relationship With an insurance agent to know exactly what you're getting. Now when I offer policies to my clients and they qualify for the policies Once they receive the policies in the mail or when I receive the policies because there are times When they say well no you let the policy come to you in the mail and then once you receive it, we'll go over the policy.

Donald Marquez
0:16:05
I'll come back in your office and go over it. But there are many times where the customers want to receive the policy in the mail and whatever it is they need to do with the policy. Maybe they need to go over it with their family members. Maybe they just want to have it in their possession and that's fine. Eventually, you will have it in your possession.

Donald Marquez
0:16:22
But the thing for me is once you receive your policy, once I offer your policy, I want you to bring your policy in and let's sit down and have a conversation and go over the policy line by line so you fully understand what you're qualified for. Now, a lot of times, too, when you come in the office, I give you a quote based on every all the information you provide to me. You know what type of medications you take, you know, your your medical history. And sometimes there is a physical on some policies. Sometimes they're not. But this is why it is important to have a personal touch, a personal relationship with a licensed

Donald Marquez
0:16:56
professional insurance agent like myself. I'll come on the air right here KUMV 91.5 Jazz and Morn. Every Sunday morning from 8 a.m. to 8 30 I am here for If you've never had a licensed professional insurance agent as a personal agent, it's an experience. And when people walk away from my office, they're like, wow, you know, you give out a lot of information.

Donald Marquez
0:17:28
I heard you on the radio over here at 91.5 and you give out a lot of information, but it's so much more than the 30-minute time that was allowed on this radio Spot because I have so much more information to offer you when you come in my office I can't do it all in 30 minutes on that radio show I just can't do it all in 30 minutes because everyone is different Everyone is different you may or may not qualify. I've heard this before well. You know my neighbor

Donald Marquez
0:18:02
My neighbor only pays so much for car insurance. My neighbor only pays so much for life insurance I don't know why your neighbor is providing all this personal information to you Because you're not your neighbor and your neighbor is not you your neighbor is not a licensed insurance Professional and if people telling you you paying too much you pan and you think you're paying too much This is why you want to talk to a licensed professional insurance agent. This is one of the reasons why the insurance companies have us as representatives of not

Donald Marquez
0:18:31
only for the insurance company, but also representing you too as well. We are in a fiduciary position of trust. I don't offer any advice to people that's fictitious. I just don't. I just tell you like it is. Sometimes people willing to accept it when sometimes they're not. I'm a straight shooter. I just tell it like it

Donald Marquez
0:18:54
is. Hey, this is the price. You have tickets. You have accidents. Or, you know, your health is you have diabetes, you have lupus, you have cancer. These are the policies that we can offer you based on your health. And you know, sometimes people say, oh, you know, I thought I could do more. It's always more or less. You know, I want more life insurance But if you have health conditions diabetes lupus cancer

Donald Marquez
0:19:19
heart disease liver disease kidney disease Family members or yourself with Alzheimer's or dementia. I do have a life insurance policy for you AIDS HIV I have a life insurance policy for you 702 236-2624-702. 236-2624.

Donald Marquez
0:19:43
Even if you have a family member with multiple sclerosis, MS. Autism. I can get a lot of insurance policy for you. I'm a licensed agent, and I take on some of the difficult policies because there are people out there like yourself

Donald Marquez
0:19:58
that's listening to this program. With high health conditions, you have been turned down by previous life insurance companies because you applied for the wrong company for the wrong product. And it happens all the time. It's not your fault. But you have to have a clear understanding. Once you go on the line of 1-800-INSURANCE, one box does not fit all. And don't get deceived by

Donald Marquez
0:20:22
all these gimmicks on the television. $9.99, it gets you, you know, your price starts as low as $9.99. Okay, come on now. That's not even realistic. Now that's a good hook to call and when they tell you the real price, you're going to be like, oh wow. And sometimes there is a two or three year wait period on some of these policies.

Donald Marquez
0:20:45
Depends on your age, you know, depends on your health, but we do make it easy. You know, two or three years ago, by the way, if that's the category you fit in, because you've been turned down and you have underlying health conditions now, and you're under age 50.

Donald Marquez
0:21:00
Now, if you have lupus, cancer, heart disease, you know, sometimes you could qualify for day one insurance. It just depends on how long ago you had your heart condition, or whether you have a defibrillator or your blood thinners, lupus, cancer, diabetes, multiple sclerosis, you know, I've heard it all.

Donald Marquez
0:21:21
I've heard it all. And I've insured most people with these diseases, this unfortunate health disease that you may have, heart disease, liver disease, kidney disease, that is, you know, you're taking medication for, but don't give up. I can find a life insurance policy for you to take care those filing expenses that I spoke about earlier in the program My name is Dr. Marquez

Donald Marquez
0:21:45
This is your insurance connection 702-236-2624 702-236-2624 I come on the air so you can understand I'm here for you. I've always been here for you for the last 28 years. I've been a licensed insurance agent in the state of Nevada. Just a quick snapshot about my history. Born and raised in Las Vegas, Nevada. I got into the insurance business in 1996 when I took my

Donald Marquez
0:22:20
I'm licensed insurance agent 1996 and every day since 1996 I've been getting up out of my bed Getting ready going to my office and in thinking positive about how can I help the next person with their insurance? concerns 702 236 2624 my name is Donald Marquez

Donald Marquez
0:22:45
for You know sometimes Saturdays people don't work during the week and they can only can come in on the Saturday I don't work on Sundays because like you I like to spend time with my family and I'm home watching football especially this time of year 702 236 26 24 let me let me let's sit down have an insurance review

Donald Marquez
0:23:22
It's not that difficult and it only takes about an hour of your time now If you can't make it into the office you can always text me 702-236-2624 or you know or we can do everything over the phone. Set up an appointment and we could do everything over the phone. I'd rather meet you when it comes to life insurance. A lot of auto insurance quotes, homeowners quotes, renters insurance. I do all those over the phone in most cases. You don't need to come in. I just ask for the

Donald Marquez
0:24:03
pertinent information that I need. And if you had water losses on your home or your property and your insurance company is non-renewing you because you've had multiple losses in a period of a year or two, there are companies out there, I don't care how long you've been with them, if you've had multiple losses, you know, they're gonna non-renew your policy. And I get those insurance come in sometimes,

Donald Marquez
0:24:30
and they're a little disheartened about a company they were with for many years. And all of a sudden, we had a water loss, and then we had another loss, and then we had another loss. So you had three losses in five years, or two losses in five years.

Donald Marquez
0:24:43
And also, you've been with the farm for, okay, 30 years, but now the farmers no longer want your business because you've had a couple of losses. That happens a lot. I get people calling me that have been with the farm and all of a sudden now the farm doesn't want you anymore and they just don't understand why.

Donald Marquez
0:25:02
I do because it's called underwriting guidelines. If you've had so many losses within a certain period of time, they do not want your business anymore. They'll pay the claim and they'll say okay thank you so much it's been fun but you know we're not we're non-renewing your policy thanks a lot but there is a five-year wait period between losses people don't

Donald Marquez
0:25:27
understand that there's a five-year wait period this is why it's important to have an insurance agent because we know the underwriting guidelines what companies are looking for they will write and what companies won't write because of the underwriting guidelines we go by what we call underwriting guidelines now if you have a car certain type of vehicle we may or may not write it because Honda Hyundai's and Kia's you know I'm starting to see them loosen up a little bit on the

Donald Marquez
0:25:54
Hyundai's and the Kia's they're starting to accept the risk more however if you if you just put one out and purchase a Hyundai and a Kia you're gonna find your race maybe a little bit more than normal because of the theft rate on the Hyundais and the Kias but you know and the reason why is because someone went on TikTok and showed people how to steal these cars with your cell phone not only open them up but start them up and drive them off it happens happened to my daughter she bought a Hyundai, brand new Hyundai.

Donald Marquez
0:26:26
She had about two weeks. Someone opened it up, started it up with their cell phone and took off with it. Fortunately, she recovered it and there was no damages. I guess there was a joy ride there. But insurance companies, they look at that and say,

Donald Marquez
0:26:42
well, the theft rate is a little high with the Hyundais and the Kias. So we're gonna back up until they repair their technology. That's all it is. Technology that needs to be repaired. If you do have a Hyundai or Kia I encourage you to contact your dealership to see if you need to bring your vehicle in to get the updated programming so you know that will not affect you if someone

Donald Marquez
0:27:09
tries to take your vehicle. You know it's very disheartening. You could be in church and come out of church when your cars go. They don't care where you are. They'll take your car. It happened, you know, it happened to my son. He was driving my truck. He was at the gym and someone tried to steal the car. A couple months later, he go to see his attorney for some attorney business and they took the truck. It was my truck. I was letting him drive it. They took the truck.

Donald Marquez
0:27:34
No matter what, I mean, and I think he was in Green Valley somewhere, you know, but it happens. It happens all over the city. And in Vegas, we have some of the highest vehicle theft rates and you know, we're up there. That's why Irish, that's one of the reasons, among many reasons, why our car insurance rates are what they are. They're just a little high. You know, if I had people come to me and you know, they come from the Midwest in the middle of, middle of a little small town in the Midwest. No, more than likely your car insurance rates are going to be a lot lower.

Donald Marquez
0:28:10
Coming from a friendly city in the middle of nowhere. In the middle of the Midwest. You know what I'm talking about. These little small town people come from. And they come to Vegas and they say, I thought my car insurance would be a lot less. I hear that all the time. We can be very competitive when it comes to car insurance rates. I look, I shop for you, I'm a licensed broker, I represent

Donald Marquez
0:28:33
multiple companies for auto insurance, homeowners, life insurance, 702-236-2624. 702-236-2624. We all will have a final expense. Someone has to pay for it either you pay for it now a little bit at a time or your family members going to be Devastated when that time comes and it does come for all of us and now they need to take care of your financial responsibility Paying for your funeral paying for your other responsibilities rent mortgage car payments car loans car insurance Utility bills these are final expenses. Let's have a conversation. Let's be proactive and not reactive. 702-236-2624. 702-236-2624. My name is Donald Marquez. We'll do this again next week. Until then, just keep it

Donald Marquez
0:29:24
My name is Donald Marquez. We'll do this again next week. Until then, just keep it crispy.

Transcribed with Cockatoo