YOUR INSURANCE CONNECTION

Wesley Knight 0:00
This is a Kun V studios original program. The following is a paid program sponsored by your insurance connection. The content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

Donald Marquez 0:25
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 you.

Good morning. My name is Don Marquez. This is your insurance connection. Broadcasting right here at K, U, N, V, 91.5, jazz and more. Sunday morning, from 8am to 830 I'm your local insurance agent. Born and raised in Las Vegas, Nevada, and I'm been here for a long, long, long time. Been in the in the insurance business for 29 almost 30 years now. Yeah, and I come on the air to educate you about insurance, life insurance, homeowners, auto insurance. It's a lot going on in the auto insurance world. People are experiencing the Most High car insurance rates that I've ever seen in my 20 year career in the insurance business, not only as an agent, but as a customer as well. I drive cars since I was 14, and yeah, I had a car 14, but fortunately, my parents paid my car insurance. But back then it was just, it was almost nothing. I had a, I had a when I turned 18, I had a 6919 69 it was pre owned, of course, but I had a 1969 Pontiac Grand Prix, and I was only paying him, you know, less than, less than $50 a month. But you know, times have changed a lot, and people do call me and they want to add their young children on the policy, the auto insurance policy, and they're just shocked at what the rate is. I encourage you. I encourage all of you, even if you're going to add a young teenage driver on your policy, or you out shopping for a vehicle, because people are getting tax returns right now, and you're buying a car, you need to find out what the insurance costs. First, get the car's identification number and call and get a quote, find out what that insurance is going to cost you before you purchase the vehicle. That way, you can just figure out the whole cost of the car, whether, if there's a car payment, insurance payment, maintenance, gas, etc. You know what your budget looks like. So many of you, you go out and purchase the vehicle and then get insurance. Shock you find out, Oh, wow. You went out and bought an $80,000 car, $60,000 car, and now you shocked them with the insurance cost. Well, the insurance companies do have to cover the cost of these very expensive vehicles, and I'm gonna tell you something. As soon as you pull off the lot, they depreciate right away. Now, you do have choices when it comes to insurance. They try to sell you that that maintenance insurance warranty on a pre owned vehicle, or that extended warranty on a new car, I wouldn't. I'd never buy extended warranties on a new car, because you're already a warranty. It comes with the vehicle. Why would you pay extra? That's a gimmick. Why would you pay extra? Don't extend the warranty. When the car runs out of warranty, you do have an opportunity to go buy one, because when you purchase extended warranty, and you're making payments on the vehicle, that's that's included and the total price of the car, so you're paying interest on top of that warranty, unless you pay it separate again, I wouldn't advise it, but let it run out and then go buy a warranty. You can always purchase a warranty away from the dealership. There's many companies out there that will honor, uh, you know, not away from the dealership. In other words, the dealer will offer you their warranty. Usually it's the most expensive, if you're buying a pre owned vehicle, and they said, Well, you know, you're buying it as is. And Elon said, maybe it's a 2018 20 2019 or 2022 and they don't offer the warranty on the vehicle. But you know the sales contractor, you know the sales manager. They want to offer you a warranty on the car, but you can shop the warranty. Don't be high pressured to buy the warranty. Warranty is just an insurance, another insurance policy. When you purchase a car and you want to cover it for damages. Think about it, if they tell you, Okay, you just bought this 2022 Camaro, pre owned with 29,000 miles on it. And now we want to charge an additional $4,500 for the warranty. You probably can shop that. You know, you probably can shop that. But I know everybody wants to get the car, take it off the lot, but don't be, ever be pressured to do something you don't want to do. Now, when you are purchasing a vehicle and you go online, there's probably going to be that is probably going to be your best prices to purchase a vehicle, yeah, online, because they have to be competitive with the, you know, with the other online cars that's going on online. So, you know, be a, you know, take your time and shop. There's no no rush. Now, if you are buying a car from a private owner, this is very important. Get the car smog first. Get the before you do anything, look. Let's go. And if you think you're gonna purchase this car, let's go get a smog. And if the owner of the car said, No, I care to do this. I don't have time for that, then something's wrong. If they really want to sell you the car, right? They really want to sell a car, and they don't have a current smog on the car, and you need, okay, well, I want to go get a smog. If it passes smog, then we could talk further. But if it don't pass small, you're stuck with a car that you purchased. And I've seen this happen in my 29 years of service in the insurance business as an insurance agent, people called me for the insurance I bought this car. I said, did you finance the car? He said, No, no, no, I paid cash for from a private owner. My next question is, and this happens sometimes, not all the time, but it happens, did you get the car smoked before you purchased it? No, the owner said it was a good car, and good, you know, good condition. And yeah, of course. And it's a reason why the owner is selling the car. Think about it. But anytime you purchase a car, well over 100,000 miles on it. Get it smog first. Even if you purchase a car it only had 50,000 miles on it, get it smart first. That's News You Can Use. My name is Don Marquez. This is your insurance connection. Broadcasting at K, U, N, V, 91.5, jazz and more. Sunday morning, from 8am to 830 I'm a licensed insurance broker right here in Las Vegas, Nevada. I'm also licensed at 48 states around a beautiful nation. Can't offer auto homeowners in California, however, I can offer life insurance in the state of California and Nevada, home auto, life insurance, boat insurance, motorcycle insurance. I love what I do as an insurance broker. Many years of experience, I enjoy talking to people about the insurance concerns I do. I enjoy talking about helping you figure you navigate what works and what doesn't work when it comes to life insurance, that's one of the topics I love to talk about, if you have if you listen, to this show regularly. You know, I educate you on life insurance. It's something that we all need to have in today's market and our consumer market, that we pay more now for goods and services, groceries and I only purchase now when I need to get I'm boycotting everybody. I'm just, I am because, you know, I just want to make sure I have food in my freezers. I have two refrigerators, one in the garage, and my freezer is full, and I have a refrigerator in my kitchen and the freezer is full. That's my priority to make sure I'm well stocked, plenty of water. Just well, stock, I'm not spending my money on frivolous things. I might not even take a vacation this year, just how, that's how I'm concerned I am with the economy, the direction is going. It's not good. But looking from my vantage point, I am not a millionaire. You know, they don't. They could care less. The millionaires and billionaires could care less, what the cost of groceries and the cost of gas is and the cost of living is. I'm, I'm a consumer that's concerned about every dollar that comes in my household. You know, I have to spend it wisely now. And this goes for everyone. I'm not saying anything that, you know, it's not a surprise or or not a turn off. It's just, it's just a fact. You know, my necessities in life are important to me, my legacy in life is important to me, to pass on generational wealth, to pass on my home, my my assets, to my children. What you know, death is waiting on all of us. They're just a matter of time. You know, we do have a time to leave this earth. Will be gone. We're never coming back. My mother, my mother used to tell me she's I don't want to be cremated because I'm coming back. I said, Mom, what you gonna do? Come back to go to work? What are you talking about? You coming back? I don't know anyone that's come come back. And people have been gone a very long time. This planet has been around for four and a half billion, years, and no one has come back. Okay, so you know nobody's coming back once you're gone, you're gone. But that's you know. But this is reality, this is life, and we have to take care of our business. Now it's 2025, 2025,

now it's time to take care of finances more than. Ever, because we have to make sure, you know, our dollars are stretched a lot more than it was a year ago. Even a year ago, the dollar value was going down all the time. But the value of have, you know, retaining assets is always up. When you take your money, your hard earned money, and you say, You know what, I'm going to invest in a life insurance policy. It is an investment. It is a security blanket for your family so they'll be financially secured. And I know some of you say that's, well, I can't afford a life insurance policy. Well, who's going to afford to pay for your final expenses? And when you buy a life insurance policy, and people try to talk you out of the policy that don't even offer life insurance. There's all you paying. You know, I've heard this story before, not all the time, but every now, and this comes up in my 29 years of experience. Oh, you know, you tell a friend, hey, you know, I just bought her life insurance policy from Don Marquez. And you know, I feel so much better now. Yeah, you just sharing the good news with the, you know, relative, friend, etc, co worker, and they tell you, out of nowhere, without any information, and they don't know what, what, how much life insurance you have. They don't know what it but the only thing they hear is, what you paying? How much you pay a month? Why? Well, you know, I pay this much amount a month, each month. Oh, that's too much. Why do you listen to bad advice? Do not listen to people that gives bad advice if it's too much, or if they tell you you don't need a life insurance policy, just simply ask them. Just say, Okay, if I don't need a life insurance policy, are you gonna pay for my final expenses? Huh? What the conversation will change? Then, what are you telling me I don't need a life insurance policy? Are you gonna pay for my funeral? Are you gonna pay for my final expenses? Are you gonna take care of my loved ones when I'm gone? Well, no, no. Why would I do that? Well, don't give me bad advice. This is my decision. You know, I was just sharing the good news with you, because the people that's giving you this bad advice don't have insurance themselves. That's funny. It's like crabs in a barrel, you know, for the point one crab was pulling another crab to get out, no one ever gets out. That's not bad information. Go, you know. It floats around, you know. But when you know, sometimes you can share good news with people, and they're like, Well, you know what? I need to get a life insurance policy. I need to contact dot Marquez at 7022362624702236,

022362624, life insurance, it's just another way to save money. That's all it is. What do you do when you're buying money? So you go out, you buy a life insurance policy, okay, how much it costs per month? How much coverage do I have? And the thing about purchasing a life insurance policy, you have a lot of coverage, and you pay on it a little bit every month. If you go to the bank and say, You know what, I need $100,000 and I want to pay less than $200 a month on that $100,000 they'll laugh you right out of the bank, like, now, you know, are you kidding me? Guy, wait, don't operate that way because we have a thing called high interest rates. Yeah, we have a thing called high interest rates. And the money you borrow from us, we're going to make money off of you, and you're going to pay interest the first, I don't know, 10 years, I don't know for seven years, just strictly interest, very little principal. Even buying a home, same thing, you pay a lot of interest, very little principal. Buying a car, a lot of interest, very little principal. But a life insurance policy is totally different. It's the total opposite from that. You go purchase a life insurance policy, and you just chip away at the payment each month. So you have a face amount of $100,000 for an example, and you just pay on a little every single month. You could do the math, okay, if I have, if I have $100,000 life insurance policy, and I'm 60 years young, and I pay less than $200 a month for that $100,000 life insurance policy. How long would it take me paying less than $200 a month? How long would it take me to equal $100,000 if I were to save the money? Just keep in mind, because there's no interest on your savings. The banks take your money and they reinvest your money and they make money out for your money, but they don't share the wealth. It should be illegal, really. They don't share the wealth. They just give you less than half a percent of your money. When I was growing up, you know, I heard Banks was giving like much better interest rates, 789, percent interest, credit unions, one and one. I remember I was working somewhere. This guy was telling. Me at the credit union he was getting, this is back in the 70s, by the way, he was getting like 12% interest on his money at a credit union. Long time. This a while back. What happened to that? That's gone. So these are ways, having a life insurance policy is a way to secure your family's future. And why would you want to secure your family's future. Have you heard many times in people's lives where you know they've lost a loved one, the spouse had to move out of the home, not because they wanted to, because financially, they had to, or they had to move in with one of their children be a burden on their family, right? Hey, son, I have to move in with you because I can't afford to live in this house. You know, your dad passed, and I just can't afford to live here. I don't, you know, I don't have any income. He didn't, he did not have a life insurance policy, or he did have a life insurance policy elapsed. We didn't reinstate it. We wanted to wait. Or he borrowed money against the policy. We borrowed money against the policy. We never paid it back, and we owed a lot of money because of the interest is charged when you borrow money from your life insurance policy. These are scenarios that I've witnessed over the many, many years, and I've been part of helping families through a very difficult time to lose a loved one. It's difficult. It always is. And you know, one of the first things you you know you hear the news about losing a loved one, a family member or a close friend. And I've heard people say this over and over again, is there anything I could do? Is there anything I can do? Just, you know, hey, give me a call. Wait, what? What can I do? Well, you can help me pay for this funeral. Oh, well, I didn't mean that. I don't know when people say that. What are you talking about? Bringing some potato salad over something? What is that you're offering? And when you say, is there anything I can do? You know, people gotta understand something when, when you say that, you really don't mean it. Financially, you don't. You might, you know, you might need it, as you know, consoling person and to console and have someone to talk to. Say it. Don't say, is there anything I can do to help? Don't say that because you really don't mean it. You just saying that because it sounds sincere. But when it comes down to it, people say it, just say, hey, yeah, I need some money. This funeral is costing close to $20,000 I need some help and watch people back up. Boy, didn't they have a life insurance policy? What didn't you tell them not to get a life insurance policy? They didn't need it. You see how that works. See how the dots, the dots connect. They do, and eventually we all have to suffer losing a loved one. You know, death is waiting for all of us eventually. But I know, as an insurance professional, and I've seen it many, many times. You know, families either come close together when they lose a loved one, or they fall apart because of finances, and that's why they fall apart. And sometimes it's silly over, you know, material items, you know I wanted daddy's car, or, you know, I wanted the furniture, or, you know, it's just, it's a lot. I encourage all of you just listening to this program now, get your house in order. Get your house in order, put out on paper. If you don't have a will, get a will. If you don't have a trust, get a trust. I don't offer wills or trust. I have Christine Bernard. She is a team member of your insurance connection. She can help you with a will. She can set you up with an attorney to get a trust. And if you own a home and you're paying on it each month, and you're the only one on the deed of the home. You know there's a good chance when you pass and no one else is on the deed, but you that home is going to go into probate. Now, you may have loved ones you would like to gift a home to, or give it to them, or pass it on to your loved ones, but if you don't do the necessary paperwork or will or trust or adding someone as right as survivor on the deed of the home. It's going to go into probate. And you worked hard all your life to have a home, and now the state gets it because you didn't simply just put someone on the deed. Now, when you add someone on the deed of your property, they can't sell it, take a loan against it. Only thing it's doing is putting them in a beneficiary position, a right of Survivor position, to pass on to the next generation no matter what a home is. My name is Don Marquez. This is your insurance connection. My Location is on the corner of Sahara branch, oh, in the US bank center. Located on the eighth floor. My business hours are Monday through Friday, from 10am to 5pm Sahara Rancho, that's That's right across the street from the pilot station hotel, right? It's a beautiful brown building, US Bank Center. I work by appointment. I'm located on the eighth floor, 702-236-2624, 702-236-2624, I'm here to help you. I know some of you when it comes to life insurance, you may have underlying health conditions. I've seen it many times. Oh, you know, I weigh a little bit too much. I was turned down because of my weight, or I was denied because of my diabetes, or I have kidney disease, liver disease, I had an organ transplant, or I'm on dialysis. It's a lot of you know, lot of reason why people get turned down, fortunately for me and for you, I do have life insurance policies that will accept you with underlying health conditions. There is no physical benefits are paid within 24 hours with a death certificate, and even without a death certificate. One, the company that are that offers a whole life benefit, up to $35,000 in coverage. There is no health examination to apply. Just a few health questions. There's 12 health questions, just simple yes or nos Do you smoke? Yes or no. Do you have AIDS, HIV? Yes or no. Are you a diabetic? Yes or No, even if you are diabetic, where you type one type two diabetes, we can still, it's a good chance we can still get you up to $35,000 in coverage. In coverage and and the coverage starts day one. Many, many policies that you receive, the policy offers that you see receive in the mail that may look like look like a good deal, but usually that's travel, accident insurance or accidental only insurance. I do not encourage you just sign those, sign that paperwork and send it in. You know, you know, the insurance companies have insurance agents for a reason. We're, we are a counselor. I was asked this last week.

Customer asked me, he said, Uh, is it? Is it more money with an agent, or is it, you know, is it more money because I have an agent? No, no, the insurance company is going to pay either a salary to someone or a commission. Is that's the way, that's the way it works. No, there's, you don't pay more because you have an insurance agent. By having an insurance agent, you have someone you have someone you can pick up the phone and talk to. By having an insurance agent, you can make changes on your policies with an insurance agent without trying to go on the app yourself and make all these changes or and I encourage a lot of my customers, hey, just pick up the phone and call the company direct. You know, oh, you know, I just moved. I'm a renter, and I just want to call you and give you my new address. Well, you can also pick up the phone and call the company customer service department, and they can make an address change on a renter's insurance policy, on an auto insurance policy, but if you purchase in a home, of course, that's a little different, because now you need a new homeowners insurance policy. When you when you change your address with your life insurance policy, you just pick up the phone call the company and say, You know what, I just moved and I want all my correspondence go to my new address, as simple as that. Now what an agent is here for. You know, if you get in a car accident or you know, you need someone to talk to about your insurance coverages or to go over your policy when it renews. This is why we have insurance agents. You know, we are the eyes and ears of the insurance company. The insurance companies need us to help you, guide you through the process. And every single scenario is different. No one is put in this one box and say, one box fits all every every single one of you are different, even if you're identical twins, and you live in the same zip code and you drive the same car. It could be a difference. It could be a difference. My name is Don Marquez, 70223626247, 2362624, 702-236-2624, let's talk about life insurance. We all need a policy. We all need a policy with the cost of funerals going up, skyrocketing, going up, and if again, just piggyback a little bit if you have that underlying health condition where you know diabetes, lupus, you know cancer, liver, kidney, COPD, or you know any of these types of illnesses, underlying health conditions or multiple sclerosis, you need a life insurance. Policy you do, and if you've been turned down, don't give up. I have multiple companies that I work with. I can offer you a policy up to $35,000 in coverage, no health benefits, just a few health questions, one page application. Most people qualify even with health issues. And rates are benefits. Rates and benefits are locked in for the life of the policy, rates and benefits are locked in for the life of the policy. And this policy is a whole life policy that builds cash value to age 100, 702-236-2624, if you need a larger life insurance policy, we I have, I have those two. I represent over 60 life insurance companies, I will find a policy that will fit in your budget, and you'll be happy with it's it is an investment. And now that everybody's kind of reeling in what they're spending money on, frivolous things that we really don't need, but we just get it. We see it. It's shiny, it's nice. It can fit in this corner in your house or on this table in your house. You know, sometimes now we have to think twice, because our priorities have changed. Yeah, our priorities have changed. You know? I think you know the necessary items. Definitely. Life insurance is right on the list of the necessary items, 702-236-2624, if you're just tuning in for the very first time. My name is Don Marquez. We do this every Sunday morning, from 8am to 830 right here at K, U, N, V, 91.5, jazz or more, I want to thank my engineer, Mr. West Knight, for keeping me on time. My name is Don Marquez. This is your insurance connection. 702-236-2624 702-236-2624 my locations 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 10am to 5pm I'm here for you. We'll do this again next week. Everyone be safe out there until then, just keep it crispy. Thank you for listening. You.