YOUR INSURANCE CONNECTION

Unknown Speaker 0:00
The following is a paid program sponsored by your insurance connection. Please be advised that the voices and opinions you hear do not necessarily represent the views of K, u and v Las Vegas, the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

Unknown Speaker 0:21
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 0:41
Good morning, happy Sunday morning. And right here in Las Vegas, Nevada and all the surrounding communities. My name is Don Marquez, this is your insurance connection, a keep you connected with the insurance industry is always changing. And you know, sometimes you know when people get that car insurance rate increase, they never know why it's a lot of different reasons why you get a car insurance increase. Maybe it's the car that you drive, maybe you move in your zip code changed, or just maybe you've gotten a little older than you've had a couple of car accidents, there's a lot of moving parts so don't ever give up on shopping for for insurance for car insurance. There's companies out there that I represent that are very competitive, especially if you've been with your current insurance carrier for over three years with no tickets accidents, and you have a decent credit rating. Now credit rating has always been around since so I remember when he came in and 98 and 1998, they started using credit as a resource to to rate policies now is not a hard hit on your credit is a very soft hit, you won't even notice the difference in your in your credit scores. But how however, the insurance companies they came up with this formula, they said if a person carries really good credit, high credit scores, then they'll get a favorable rate of favorable rate. So if you do have, you know pretty decent credit, you know, you could probably possibly get a better car insurance rate a lower car insurance rate. Just based on your credit alone, my name is Donald Marquez, this is your insurance connection, my contact number is 47022362624 702-236-2624 Take advantage of your excellent credit rating. And let's shop for some for car insurance. Hopefully we can save you some money. And you know because of your credit. Now, a lot of people like to talk about that. But I don't mind talking about all the insurance company or reading you all auto insurance companies and homeowners insurance they all perform a soft hit they they may or may not tell you why you shopping for insurance, but they do a soft credit check. They don't see we're not again, we don't see you build your pan or anything like that. But with the lower higher credit score, you may find yourself with a lower car insurance rate 702-236-2624 Our broadcast radio K u and v 91.5. Every Sunday morning from 8am to 830. And you know, get you a cup of coffee and listen to the show because I tried to answer a lot of questions that I get asked, you know, why is my car insurance rates high my adding a young driver on my policy and my rates went up, you know, questions like that and especially as a young driver on vehicle when it comes to car insurance. You know sometimes when the if the young vehicle is has a great average of be a better grade average, sometimes we can get you a favorable car rate insurance rate. Just because your student driver, we're talking about a high school college student that has a you know below or better average we can get them a good student discount. Now, I've been hearing lately if you drive Uber or Lyft you know these insurance companies are insuring these Uber and Lyft drivers However, sometimes it could be a lot lower rates or as far as coverages, then you should carry now as an Uber or Lyft driver. You're an independent contractor, you're in business for yourself, you pick up passengers and take it from point A to point B. However, if you're in a car accident, and you really need to ask Uber and also Lyft what is their liability protection for you? The liability protection for the for the drivers and what is their recommended liability protection you should have now they're probably say well, you can care the minimum state requirement which is 25,000 for person 50,000 Each accident here in the state of Nevada. However, you're very vulnerable because if there's a very serious car accident, you know, I know that Uber and Lyft probably are responsible for the passenger in The vehicle, but what about you and your car? You know, these are questions that I asked Uber and Lyft drivers. And they really don't all the answers are inconsistent. You know, if you check a yellow cab, you know, that's, that's in the millions of dollars a liability protection for the driver and also for yourself, but it's not his vehicle. He's run, you know, he's driving the cab for a cab company. So of course, you know, they're gonna have an umbrella full of high limits of liability. But if you call Uber or Lyft, and take a drive in those vehicles, you know, I want to know, am I protected and how much I'm protected for my number is 702-236-2624 702-236-2624. I've even heard lawyers advertise on radio stations, they said, if you've been injured in an accident, and you were to in a Uber or Lyft, and you're injured in accidents, call this law firm. Now, that's a reason why Lori's advertising toward Uber and Lyft. Because I think they find themselves with a opportunity to come after these companies for liability protection for their, for their passengers, you know, and maybe even for the drivers, I don't know, see, these are unanswered questions, I can't answer you. Because I don't insure people that drives Uber or Lyft. I just kind of stay away from that business a little bit. Because I don't know what the unknowns are. But if you're thinking about doing it, if you're thinking about driving Uber or Lyft, there are companies out there will insure you. But you should carry higher limits of liability for an example.

Unknown Speaker 6:33
With a minimum state requirement of 25,000 with person 50,000 Each accident, you know, I recommend you carry at least minimum $100,000 in liability protection 300,000 each occurrence? And why would you want to do that because you're protecting yourself, not only for the bodily injury, the harm, you may cause others, but also if someone hits your vehicle with no insurance, why are you driving passengers, you know, maybe Uber or Lyft will protect the passenger. What about you, that's why you should care the uninsured motorist protection on your vehicle. If you drive an Uber or Lyft, and also the highest limit of medical you could take, you are in business for yourself, treat it as a business don't treat it as an extra way to make money. And that's why you do it. But you have to protect yourself at all times. I've been in a serious car accidents. And I was thankful that at higher limits of liability on my car insurance to protect me and also to protect my assets. 702-236-2624. But if you're not sure about your car insurance, your home, your life insurance, offer no obligation insurance reviews, free insurance reviews, we could sit down, talk to you about your current insurance coverages. You know, a lot of people don't know what type of life insurance policy they have. They don't know if it's going to expire. They don't know if it's term whole life or even Universal Life, or when it's going to expire. Or if the rates are gonna go up as I get older for you life insurance policy. This is why it's important to have an insurance review, no obligation review, my location is on the corner of Sahara, and Rancho. In the US bank center, I'm located on the eighth floor, I would love to sit down and talk to you about your insurances, you would have to bring your insurance policies in for the life insurance policy, I can now pull it up online. And I cannot have access to your life insurance policy without your permission. So for an example, I've had people come in to listen to the show by their and they come in and they say you know I don't have my life insurance policy. I don't know where it is. But I know the company I'm with and I give them a call, I'll give him a call. They give me permission to talk in their behalf. Always order a duplicate policy, and the reason for that you should have your life insurance policy in place. Now I talked to people at funeral homes. They tell me sometimes you know people come in with a life insurance policy. However, the deceased did not put an additional beneficiary on the life insurance policy. In other words, they died without a beneficiary that's alive. Now this happens quite often with husband and wife especially as we get older. So if you lost your spouse, and you have a life insurance policy, you should update your life insurance policy and put a new beneficiary in there just in case one example. The husband passed away he was a primary beneficiary. The wife is still living now she's getting up in age she passes away. She never did put another primary beneficiary on the life insurance policy. Now the life insurance policy could possibly go into probate. But as a person of Canada next to Kin, you need the life insurance policy to pay for final expenses. This is another reason why it's a good idea to have a life insurance review, no obligation review. You come them off as we sit down and we review it together. Now, if you do have a contingent beneficiary, automatically the contingent beneficiary moves into primary position of beneficiary as long as they're still living. This is important information because people pass away all the time. And sometimes they pass away, and the loved ones that are left to take care of the final expenses. Number one may not even know what a life insurance policy is, or they may not know they're a beneficiary on the policy, have a conversation with your family members. This, this is my policy, this is where it is. You're the beneficiary. When that day comes, and it comes for all of us, it's not as if it's a win. Now, if I knew if we all knew when we're gonna go, when we're going to make that transition, it will make my Korea a lot easier. But you know, I have 10 more years left, I need to go get the life insurance policy from Donald Marquez. Because I only have more 10 to 15 more years to live it well. But life is not set up that way. It's not I think it would have changed a lot of things around the world. If people knew exactly when they're gonna pass away. I think we will live in a total different world. But we don't we live in a world we live in right now, with a lot of uncertainties. For an example. Let's take an example for how much a final expense cost, you know when a person passes away. Now this is with or with life insurance. This is consistent, a funeral costs, let's say up to $15,000. Now all of a sudden, you have credit card bills $10,000 in credit card debt that you leave behind. Now we had $25,000 for this final expense for this loved one you just lost. What if they had medical bills another 15 to $20,000 in medical bills. Now we now we're at $45,000 with medical bills. Now, the mortgage still comes in for the next month the rent comes in for the next month. The car payment the car insurance comes in for the next month, you know food utilities, the the the money just keeps adding up. However, when you lost your loved one, they okay their income died with him. How you going to continue to survive? How are you going to continue your lifestyle without life insurance. You know, life insurance is a supplement for financial resources, you're going to lose financial resources when you lose a loved one. If you do have a life insurance policy already in place, and you haven't reviewed it in a while or you lost the primary beneficiary. This is why it's a really good idea to contact me. We can go over those final expenses. We can also go over what to do as far as getting named another beneficiary on the policy or a contingent beneficiary on the policy. That way, when you do pass away, that beneficiary can take the policy into the funeral home, the funeral home will take their proceeds right off the top. And then you file another claim with a life insurance policy to receive the benefit of the policy. Tax Free. My name is Donnell Marquez, if you're just tuning in for the very first time I broadcast right here K u and v 91.5. Jazzy Morris Sunday morning, from 8am to 830. I'm an insurance broker. I've been in the business since 1996. A little bit about me. I started with Allstate Insurance company back in 1997. After all my training when I when I passed the state exams in 1996, it was late 96. I was license moving forward and 97. I was went through training program through Allstate Insurance Company had my own agency for seven years. And of course, when you do what you do, and you love what you do you other companies look at your performance. And I was offered a career at a triple A insurance company which I stay there long enough to retire. And in my experience I've seen a lot. But of course, I'm in the insurance business As always a lot more to see. But I can help you step by step. You know insurance, a lot of times comes with no instructions, you purchase a policy online, which I don't agree with, because you need that professional insurance agent like myself, to guide you step by step. Now, if the insurance companies did not need insurance agents, they would not be around because they pay us a commission when we read a life insurance policy auto policy. So you're not under an obligation to pay me a broker fee. Not any obligation or if you purchase a product from me home, auto renters life insurance, motorcycle or boat insurance, that the insurance companies compensate me for my time. So you are under no financial obligation to pay the insurance agent at all. Now when something happens, you want to turn to person, you know to go call and pick up the phone and say you know, I had I was in his car accident. I had a call a couple of days ago. Well one of my clients call me and he was driving on the expressway here in Vegas and a rock hit is a windshield cracked windshield is a what do I do? Am I covered? That's the first thing you want to know. Wanted to Know. Was he covered? And that's it. Okay, well Look at your comprehensive portion of the policy. And he was covered on the comprehensive for a full windshield replacement. Now comprehensive is when the fire theft, vandalism, fallen objects on your vehicle. Again, let me say that again, slowly comprehensive as wind theft, fallen objects were placed them in a windshield for your vehicle. This is why it's good to know your coverages don't just don't think, hey, you know, I have full coverage or I'm okay. I have life insurance, and I'm covered for the rest of my life. But what happens when you own your life insurance. As you get older, all of a sudden, now the race goes up. And he goes up every single year. Now, you will not keep the policy loan with this continuation of the rates going up every single year. As you get older, you do have two alternatives, you can get your whole life insurance policy, up to $35,000. In coverage, there is no health examination, just a few by 12 questions we ask yes or no questions.

Unknown Speaker 15:58
Are you a smoker, yes or no. Now if you only smoke cannabis, we will not rate you as a smoker. Or if you smoke an occasional cigar, we may not rate you as a smoker, one page easy application that I fill out now with this final expense life insurance policy, the benefit pays the beneficiary within 24 hours with a death certificate. Or sometimes they'll pay without a death certificate, because they can verify through the funeral home that the person has passed away. Up to $35,000. No health examination. Real quick, real easy, we write these policies within 30 minutes. Now if you don't want to come in, we can write the policy over the telephone, we can do what we call it three way Tella app. In other words, I take all your information, put it in the computer, get on the phone, contact the insurance company, Lincoln heritage Life Insurance Company, we do what we call it through a tele app over the phone to get all your information. And then we set you up now a lot of you will qualify for day one, life insurance. As I said earlier, without life insurance, you know, we're talking about a fairly at least a $15,000.12 to $15,000. Funeral on average, there may be credit card debt and maybe have to be paid. That can add up for anywhere 10,000 and up who knows what credit card debt may be, they may be medical bills. And this is going to be the responsibility of probably a spouse or loved one to take care these final expenses. And they'll say you know what, I'm not worried about it. I don't care, but you should care, because someone has to pay these bills. Now what if you have young children, and you leave link young children behind, and you're in your mid 30s. And your life is just getting started. But unfortunately, we don't know. And we're going to have a premature passing. And now someone has to take care of you young children or your spouse has to take care of your young children. That income has gone you're gone. Life is a supplemental financial way to secure your family's future tax free. You can get a million dollar life insurance policy, there's no tax. There's no taxes on that million dollar life insurance policy. Or if you have a larger state and you want to protect your estate, here's a way to protect yourself through a life insurance policy because you may have death taxes, because you have a larger state 702-236-2624 My name is Donald Marquez. I'm a life insurance broker, auto insurance broker, I can help you better understand insurances, you know, bring your policies in, by appointment, work by appointment only 702-236-2624 We'll sit down go over your insurance coverages with you. So you fully understand what you're paying for moving forward with the life insurance policy, you know, you got to know exactly what you paid for if you have a current policy, and you don't understand what's going on with your current life insurance policy. And I'm gonna take I will look at seven out of 10 policies are wrong. When I look at 10 policies, different policies, at least seven of them are not right for you. And sometimes even eight out of 10 are not right for the person that person that purchased that policy. Now if you purchase life insurance online, which I do not do not disagree with. I don't agree with that at all. You've given up way too much personal information online. Now you know, it's a lot of predators out there online, they can take advantage of all the information they give you. And not to mention how many phone calls you're going to receive. You put all your personal information online, including your phone number, you're going to receive calls, a lot of calls. The only call you receive from me and my office is when I contact you and the call you will get from the insurance company if they need to contact you 702-236-2624 In my office, I do not share your information in my office. We don't take any monies at all with no you can't make your payment in my office. I take no money across my desk. I take no checks money orders across my desk. I set you up with the insurance companies and you set your payment up through them you pay them directly. They compensate me for my for my time. 702-236-2624 My name is Donnell Marquez, this is your insurance connection, I would love to meet you sit down and talk about your family's future when it comes to life insurance, and we'll look at your home and auto insurance as well to make sure that you are your home has enough coverage on it. If there's a claim that has to be paid on your house, we want to make sure that house is properly insured. I've looked at a lot of homes throughout the valley when it comes to homeowners insurance. And a lot of homeowners insurance, our policies are under insured. And also some of these homeowners insurance policies, they have water exclusion, water exclusion, what's that are fine got mold exclusion was that in other words, if you have a flood in your house, if your washing machine water lines break for any reason, and you may or may not be at home when this happens, you could be at church on vacation and your water line break that water would continue to run into someone turn the water line off. I recommend when you finish washing clothes, turn the water line off the hot and the cold. Now of course when you need to wash clothes again, just turn the water lines back on. It relieves the pressure from your hoses. So you get like I said you could be out going to church you could be out or you gonna be at work. Those waterlines break. Now you find out for me a homeowner's insurance policy, which I've seen quite often that you're excluded when it comes to water losses, fold, mold and mold and fungi, you're excluded, your policies are excluded, so you may not be covered. For those items. The reason why that happens is because people shop for insurance, and they want to pay lower than they pay. And sometimes these like water losses are cut out of the policy. It saves insurance company money, but that's a benefit you're going to need in Southern Nevada, I'm gonna tell you right now we have some of the hardest water probably on planet Earth. water lines break or water heaters break. You know, your water heater could break your water line and your water heater could break. It causes a mess, it's gonna give you about a two day warning. So when you see your water when you see the water underneath, and the pan if you have a pan on a water heater, that's giving you a warning. Hey fell on getting ready to break or if you can check the top of the water heater to make sure there's not a lot of corrosion around the pipe. So now if you're lucky enough to find a lot of corrosion around the pipes, maybe just a leaky pipe that you need to replace your pipe. But if you didn't see no leaking at the top of the water heater, you may your tank is getting ready to fall out. The bottom is gonna fall out you're gonna have water everywhere. It's probably just better than when you start seeing water underneath the water heater. just drain it so you can control you can connect a water line up to it control it empty your tank before it just spreads everywhere. Expensive the water heaters inside the home and I've seen those on your older homes. your water heater could be inside your home. My name is Donald Marquez, this is your insurance connection. We broadcast right here k one V 91.5 8am to 830 Sunday morning. Enjoy this beautiful day in Vegas uh you know we had a lot of wind and you know it's nice to have a nice day outside for a change. I've been watching a lot of the basketball playoffs I really enjoy watching the playoffs because they really get down to the nitty gritty when it comes to these these playoff matches. I mean we have so much to do with people getting out golfing, they go into concerts, listening to music listening to K u and v 91.5. is one of the it's a great radio station you know if I'm a little you know stressed out I turn it on K u and v 91.5 Jazz and more to relax and listen to some smooth jazz and right now you know that we have at a fundraiser you know give to give to K u and v 91.5 Jazz and more the key programs only add just like this and of course the music and all the information that comes we have programs on it that sponsor people that we have you know people come in talking about real estate you know we have people coming in talking about real estate keep it locked right here a lot of great talk shows people come in to educate you about you know life with the things you can do they help you out to save you money or make you better understand what's going on and like I said we have you know people that come on talk about real estate I come on and talk about insurance that I've heard shows people talking about taxes so it's a lot of a lot of great talk shows right he occasionally V naught A 1.5 Jazz and more, keep it locked right here. And you know, again and give to our you know, fundraisers we have to keep like shows like this on the air. You know that whatever your donation Is $10 a month $10 A day even if you can afford that, we'd be more than happy to take the money. We need we need this type of programming on the air. I'm an insurance broker. I'm a professional insurance agent that will help you better understand your insurance coverages do offer home auto motorcycle insurance, boat insurance. Yes, yes, yes. And life insurance. We all need life insurance. You know, even people don't want well you know, I don't need life insurance because I'm gonna be cremated. Well, I think let's talk about cremation real quick. Now cremation, okay, you got the person to earn. Again, we'll get the body cremated, then get the urn, and then where is urn going to go? was earned going to go you need to crip that you know those costs money too. So

Unknown Speaker 25:48
if you think about a cremation, think about the full price of the cremation. With a life insurance policy, we can put a life insurance policy in place that will pay for your full cremation and have some money left over for your beneficiaries. To pay for other expenses, you will have just I've mentioned, that could be credit card debt, medical bills, and also the continuation of life for your loved ones. Or let's say you the last surviving spouse, you know, your loved ones have to move the furniture out of the home, they may have to pay a mortgage, utility bills, car payments, car insurance. I mean the list just goes on and on. And let's talk about the repairs a little bit. Those costs money to my name is Don Marquez. Let us put a package together for you and save you money on your home and Yato. And yes, let's get you a life insurance policy and pace. That way your loved ones are not going to be responsible for this large debt. When you do pass away 702 to three 626 24 702-236-2624 That's that stop passing on generational debt from one generation to the next. It happens far too often. Where you know you hey, you know, I'm too old about life insurance is too expensive. But you're passing that debt on to your loved ones. That's not fair to them. You know, we can we can work out a plan that will fit in your budget. You tell me how much you can spend. I'll put that much money into the computer and see how much dollar amount we can come up with 702-236-2624 702-236-2624 My name is Donald Marquez. This is your insurance connection. We'll do this again next week and George has beautiful day to day until next week. Yes Keep it crispy. Thank you for listening.

Unknown Speaker 28:11
You have been listening to a paid program sponsored by your insurance connection. Please be advised that the voices and opinions you heard do not necessarily represent the views of K u and v Las Vegas, the University of Nevada Las Vegas are the Board of Regents of the Nevada System of Higher Education.

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