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. Good morning. Good morning. My name is Don Marquez. Welcome to another edition of your insurance connection on your insurance connection. We talk about insurance. I'm a professional life insurance auto insurance broker. And we offer homeowners motorcycle and boat insurance as well. My Location is on a corner of Sahara and Rancho in the US Bank building located on the eighth floor is right in the heart of a beautiful city, Las Vegas, Nevada. All roads lead to Rancho and Sahara and one block west of the i 15. On your insurance connection, we like to keep you updated on what's going on in the insurance industry. You know what the Coronavirus on the rise again of people are losing their lives. I just found out recently, one of my friends I went to high school with she passed away just this week. And you know, my condolences go out to a family. And you know when it when I hear about the frequency of losing family members, not only people that I know, but also people that come to me with a loved one has passed away, they didn't have any life insurance at the time when a loved one passed away. But the family doesn't want to go through that financial heartache anymore. But what they told me this, this, and we have very two or three of our relatives, you know, and the past less than two years as a result of this virus and for other health reasons too, as well. However, we've not gone through that anymore. We're not going through anymore, how many funerals does it take you have to pay for out of your pocket, before you realize life insurance is a good solution. And not to pay large sums of money out of your pocket to bury a loved one. Even you know the fact that your loved one may have money saved up. You know, sometimes you even have those credit card bills, those medical bills that they add up, who's going to pay for those bills. And if there is a surviving spouse, you might have to pay those bills out of pocket. It gets very expensive when when you lose a loved one, you have to go into action right away. But I represent companies that will help you with those decisions. When that time comes. I represent a company called Lincoln heritage Life Insurance Company. They have the family support services. And what does that mean the family support services they offer at time of need, at time of need, they go to work for you trying to save you money on a funeral. Now the average savings is around about $1,800 for traditional burial, and about $600 for cremation on average what they save the people that needs to pay for funeral and we all had to pay for a funeral sooner or later. It's just a matter of time. Now this is a whole life benefit life insurance policy up to $35,000 in coverage. Now if you need more than $35,000 in coverage to cover a final expense life insurance, we can offer you that too, as well. At your insurance connection. My contact number is 702-236-2624 702-236-2624 up to a $35,000 life insurance policy. There's no health examination to apply just a few easy questions to ask, Are you a smoker? Yes or no? Do you have diabetes, or as a result of the diabetes if you have an amputation of diabetes, called a temporary blindness. I mean, even if that happens to you, we can still get your life insurance policy up to $35,000 in coverage, most people will qualify even with health issues. So if you have a stent in your heart, even we can get you a life insurance policy if you've been turned down for life insurance. Don't give up 702-236-2624 702-236-2624 I know a lot of you cling on to this accidental only life insurance for whatever reason. I don't know this accidental only life insurance policy do not paying for natural causes. They don't they don't I've been an insurance agent for since 1996. I cannot recall in my career, when an accidental only life insurance policy is paid. It has to be a pretty bad accident for the life insurance policy to pay if in fact you do you have an accidental only life insurance policy. I know they target seniors. It happens all the time. I'm a senior. I receive this information in the mail from well known companies just like you do it But you have to be very careful purchasing life insurance by way of something you receive in the mail. Now that those policies are not not always in your best benefit, they're not there. Insurance companies have insurance agents here for a reason. I'm an insurance professional, I've been in this business since 1996, I can help you make a decision. Or if you have a current life insurance policy, and it has not been reviewed in quite some time, now's the time to take your policy out. Book an appointment, we can review your policy to make sure you your policy is right for you. As we age, the cost of insurance, but life insurance goes up. They do sometimes you have a life insurance policy. And I've seen this quite often in the business, as you hit certain ages, your policy is going up every single year, there is a reason for that. Because of the cost to insure you as you get older gets a lot more expensive, because you only pay what we call the target premium. The target premium is a minimum premium when you go in, and that's what you pay. But when you get older, all of a sudden now, you said okay, I've every 6579 My premium was going up and you don't understand why I do I read the fine print on a life insurance policy. If you do have a life insurance policy. Look at the illustration page. That is the heart of the life insurance policy. It will tell you exactly what your policy is going to do over time. Or if you don't understand any of the information I can help us at 702-236-2624 702-236-2624 with a final expense life insurance policy again, there's no health examination to apply just a few easy questions most people will qualify even with health issues. If you have diabetes, lupus a history of cancer heart disease or if you are a smoker even even if you smoke cannabis, it's okay. If you only smoke cannabis, we will not rate you as a smoker. As long as you smoking on occasion. for recreational purposes for relaxation, we can reach you as a nonsmoker only if you smoke cannabis but our ever if you smoke a cigar on occasion, you know, we may not rate you as a smoker, everyone is different. You know, I've had people say, Well, my my family member only pays this much for life insurance, aka my rates are a lot higher. You know, it's based on each individual. We can base it on what your family member pay or what your neighbors pay. If you have life insurance on your job, that's a great thing. It really is that's good to have. However, you know when you retire, what happens to that policy goes away when you retire or you resign from your job or you even get laid off those policies and those benefits that you're receiving on your job. They go away. What they finally spins life insurance policy, the way it works is is are you qualified by x and answering 12 questions?

Unknown Speaker 7:49
Yes or No answers. Do you smoke? Yes or no? Do you have a history of cancer yesterday?

Unknown Speaker 7:55
Oh, simple questions like that. Simple questions like that. And it also, it also includes a cash a benefit for accidental. It's a writer with your whole life policy. So you have the best of both worlds you have the accidental and also you have the life insurance policy for whole life. As I said earlier, I haven't seen when these accidental policies pay. But I like this accidental portion of the policy. It is a writer. It covers car accidents. Most accidental policies do not cover car accidents. So we can attach your accidental benefit to your whole life policy. They work together now if you pass away as a result of a car accident, the money you receive from that car from your beneficiary. The money your beneficiary receives for the car accident is on top of the money you receive for the whole life policy for an example, if your whole life benefit is $35,000 and you pass away due to a car accident, that's additional 10,000 will pay out your total benefit now to your beneficiary is $45,000 Well, let's just say you pass with natural causes, and you have a $35,000 whole life policy will pay out the $35,000 My name is Donald Marquez. This is your insurance connection. We broadcast right here at K u and v 91.5. Jazz and more. Tune in every Sunday morning from eight o'clock to 830. And we have other talk shows to tune into Monique Buchanan. She comes on she talks about the real estate tune in and her show she comes down on Saturday morning. And the music I love the jazz I listen to it in my office every day it calms me down because calms my customers down to as well. Because they want to come to the office. They you know they don't know what to expect. They experiences this you come into my office we sit down. We talk about all your life and all your life insurance policies and I've had people come in with multiple life insurance policies. But eight out of 10 people that come to see me with policies, it may not be the right policy for you 702 2362624 702-236-2624 I do make a difference. Because the life insurance policies that I offer you, I was going to stay with you if you get a term policy when we're trying to get the maximum years up 30 years on a term life insurance policy. If you are 58 and younger, we can get you up to 30 years on a term life insurance policy. However, if you're 59, or 60, we can I get you 30 years, we cannot get you 30 years, we can get 20 years. If you're 5960 and older. Now, it does cut off and when you're 75 years young, I've had people come to me that 75 years young, they just purchase a policy, a term policy and only they're only covered for up to 10 years, or they mandate night may not even qualify for a 20 year policy at age 75. I represent multiple life insurance companies, 67 life insurance companies, I represent well known companies, Lincoln heritage Life Insurance Company, Prudential Mutual of Omaha, just to name a few, I can do the shopping for you. And the only phone call you're going to receive is a phone call from the the insurance company or me regarding your life insurance. When you go online, or when you buy these policies by way of mail, you're setting yourself up for a lot of phone calls. Because a lot of these have networks they go to we have your information, we have your phone number, we're gonna call until you can't take it anymore. I've known people that put their information online, and they're receiving calls six weeks later about their life insurance or even auto insurance or homeowners insurance. When you put your information, your valuable information online, you'll receive a lot of phone calls. And what happens is you generate a lead for these can lead companies that they're going to sell the leads to insurance agents, and their insurance agents will call you and what they'll do, they'll take your phone number, they'll sell it to maybe 20 to 3050 or even 100 insurance agents. And this is why you're bombarded with a lot of phone calls. what I offer is exclusive, it does not include a lot of people calling you the only people that will contact you is a life insurance company or the auto insurance company homeowners insurance company that we select for you. That's the only phone call you're going to receive. You can contact me at 702-236-2620 470-223-6262 for what the policy up to 35,000 a whole life policy. You know, I've had people come to me that has been turned out for insurance. Well if you qualify for final expense up to 35,000 that means you're insured day one. You have day one coverage. There is no two year wait. Now if you do have to wait for the two years because there's because of your health. Every one is different. So don't try to figure this out on your own. I'm here to help you. My name is Donna Marquez. This is your insurance connects and 702-236-2624 located on the corner of Sahara and Rancho I work by appointment 702-236-2624 When you lose a loved one, you have to go into action with a whole life policy up to $35,000 they have the funeral consumer Guardian society comes with the policy doesn't cost you any money extra then cost you any extra for you or the beneficiary at a time of need. Now what happens a time of need your beneficiary has a card that you filled out that they will contact the funeral consumer Guardian society as a member they'll call a funeral consumer garden society at time and the and the funeral consumer garden society they will contact three different funeral homes in your area to find out the best, the best available price, the best available price to you. And an average savings of about $1,800 funerals are very expensive. They are I mean, today you want to average a $15,000 and up even cremations because, uh, well, you know, I

Unknown Speaker 14:00
just want to be cremated. Okay, cremation, if you have a basic cremation without the ceremony that's on average, about $2,500 On average, without a ceremony, but what are you going to do with the urn? What are you going to do with the urn? I mean, you may want to put an urn on your fireplace mantel or your bookshelf, I don't know, that's up to you, or even your dress in your bedroom. That's up to you. But if you don't want to have the urn in your house, I understand. You need a crib. So those cribs that put the urn in the crib, those costs money too, as well. And not to mention the other costs, the repairs, the medical bills, the credit card bills that are left behind. So there's no very inexpensive way to treat a funeral. I mean, when a person passed away, you have to go into reactive mode immediately. Sometimes you don't even have have time to grieve. You say to yourself, oh my god, I lost my husband. What am I going to do? The funeral. Consumer garden society can help you make those decisions way before When that day comes and it does come for all of us, life insurance is a gift of love is tells you a family I care enough about you to take to secure to secure our financial future when it comes to that time, and it comes for all of us. Don't just think you know what, I'm not gonna worry about it. And when it happens, it happens. You can do whatever you want to my body. Now, it's not that easy. It's not that easy. You have to care, because your loved ones have to go into immediate action, paying for a funeral. Sometimes people max out credit cards, they've drained their savings, or they have to borrow money from their 401 K retirement program. It's not easy, coming up with $15,000 all at once, if your funeral cost that much. And that's just a basic funeral night. If you are a veteran at the Boulder City Cemetery, they will offer you a plot of two, you know, so that's up to your family to bury you in Boulder City. However, you know, maybe if you want to bury a loved one closer to your home. If you live in Las Vegas or even North Las Vegas or Summerlin, you may say, Well, you know, Boulder City is a long way. But that's the savings with the average plot cost anywhere from five to $7,000. That's a lot of money save if your spouse is a veteran 702-236-2624 702-236-2624 is my phone number. Veterans are not automatically insured because you're a veteran. Even if you receiving VA benefits. Now the veterans do offer a life insurance policy. It reduces as you get older, the face amount reduces as you get older. This is why I'm it's important to have an insurance review. We'll sit down with you, we'll go over all your insurances, your homeowners, your auto, your life insurance, or if you're a renter, you know, we'll go over your renter's insurance too as well. You if you are a renter, you should have renter's insurance, you should have renter's insurance that protects your personal property. Because the landlord is not responsible for your personal property for theft, for any type of loss or even for a major fire, that burns up all your personal property, the landlord is not on the hook for that, no, they're not. So with a life insurance policy, from your insurance connection, we will do the shopping for you. The only phone call you're going to receive is a life insurance company that we select. And then we'll go from we'll go forward, I don't charge any fees. I don't charge any fees or come to see me, you sit down, you sit down, we'll go over everything line by line when you purchase life insurance. I offer also when you receive the policy to come to my office because I don't have a copy of the policies I don't I don't have access to the policies. Although I am the insurance agent on record, I can have called in life insurance company without your permission and talk about you discuss your policy with them. I would need your permission. If you have a life insurance policy that is going to let's sit down and have a life insurance review. I don't call it the no charge to you no obligation fees 702-236-2624. Or if you have that auto insurance policy, this keeps going up. And I understand we in Southern Nevada, there was a lot of accidents. People don't understand. I get calls. Well, I just had a car accident. You know, why am I really going up now these customers are not with me. And you know, I understand. Don't panic. I mean, this does happen and they get so when a person has a car and a car accident, and you're not at fault, or even at fault. Sometimes you know your rate could go up even if you're not at fault on auto insurance policy, because you lose that accident free discount. What is an accident free discount? Well, the insurance companies will forgive you for property damage up to a certain dollar amount. However, if there are bodily injuries involve, your insurance rates could go up or let's say the person didn't have any insurance at all, that hit you. About 30% of the drivers on the road today in Las Vegas, Nevada and all the surrounding communities. There are a lot of people who are driving around in our community without any type of car insurance and they hit you now you have to use your car insurance to file a claim. And let me say it is because if you are in a car accident and the person that hit you do have car insurance and they're at fault they hit you from the back. Do not give them your insurance information. There's no reason for it. Because they hit you it's clear that they hit you you don't you don't have to exchange information. Especially if a person is at fault. I was in a car accident lady said well I want to see your insurance to you know get you get I gave you all of my information, the driver's license, her ID card, I took pictures of her ID card and her driver's license on my phone. I said well lady you hidden mean, I don't need to give you my information for what you're at fault. Let's clear Did you ever fall and take pictures of the car accident? Immediately get out if you're not if you're not severe? really injured where you cannot take pictures. Or if someone is in the car with you have them take pictures of the accident right at the scene of the accident. Now if there's a scuffle going on, or you know things are getting a little bit out of control, you can Can't you can contact Metro, they will come out if there's a disturbance, but a lot of times they'll show up a little late, but you call them and say, hey, you know, I'm in a car accident, I don't feel safe with this individual. They get in a little, you know, out of hand, please come in assist me with this car accident, they'll show up. But again, you know, you if you are in a car accident, take pictures, take pictures that are driver's license, take pictures of their ID card. That way, well, you can file a claim with all information 702-236-2624 702-236-2624 You know, there is no such thing as a mild car accident when a car hits you. And this car weighs, you know, 3500 pounds on up, you know, it causes a lot of damage to the body, you hyperextend you may have lower back pain, upper back pain for quite some time, and usually is after the third day or sometimes it's immediate. So even if you are in a car accident, you know, you need to file that claim immediately. Do not procrastinate and be patient with the insurance companies. And now if you're not at fault, if you're not at fault, do not file a claim against your own policy. Do not do that call the person insurance company that that you know that they're with. And it could be a variety of companies that are out there, call that company direct get their claims number. If you don't know what to do, I can help you assess you whether you're my customer, not 702-236-2624 702-236-2624 My name is Donnell Marquez, I'm an insurance broker. I've been an insurance broker since 2015. I started this business in 2015. started back in 96. With Allstate Insurance Company stay there for seven years, I want to triple A insurance company and I will stay there long enough to retire after retire for a few months I was very bored. Now it's time for me to go into action as an insurance broker. Now I like being a broker I should have been a broker years ago, because because it does give me that opportunity, a lot of leverage to do the shopping for you. Or go on my computer for auto insurance, I can see multiple auto insurance companies that will fit in your budget. In sometimes we can sometimes we can't make it fit. But you know, if you've been with your company for over three years, with no tickets or accidents, we got we can do the shopping for you at your insurance connection that makes sure you are getting the rate you know a preferable rate now and Vegas. I have to say every city has something are something that's car insurance and car registration. You know, I read the take that over hurricanes, earthquakes, you know, and sometimes too, you know, you have to understand if you go out there and buy purchase a 60 to $80,000 vehicle, you have to be insured 60 to $80,000 for that high price car. So you know the cars are going up. Everything is going up as we can see gas is going up. But if you go out and purchase one of these very expensive vehicles, you have to expect to pay a little bit more for car insurance. You just do. It does. It doesn't work that way. Even if people call me sometimes they said well, Danny, I have an older vehicle I want to quote because they're with a different company. And they have older, older cars with over, you know, 150,000 miles on them to me. I don't know 150,000 miles on the car and they're still driving. Well.

Unknown Speaker 23:33
I mean, to me, what's the point of carrying collision and comprehensive on a car that Oh, because I think you're paying more than you have to. This is why again, it's important. They have a no obligation insurance review 702-236-2624 702-236-2624 My business hours are from Monday through Friday from 10am to 5pm. Right around the corner of Sahara and Rancho in the US bank center located on the eighth floor I work by appointment. Now sometimes I will come in on a Saturday. It just really depends. I try to come in at least once a month on a Saturday with customers because I know some of you work and you're not you're not off during the weekdays but you are off on the weekends. Now a holidays I'm close. I like taking a break too. So I can enjoy my private time and do the things I enjoy to do. Now if you have a boat or motorcycle we do offer both motorcycle insurance right now the weather is perfect to go boating and also motorcycling you know if your rates seem like a little steep with the boats that you own and also with a motorcycle that you own. We can do some shopping for you on the boat and motorcycle insurance against contact number 702-236-2624 702-236-2624 My name is Donnell Marquez, this is your insurance connection. We're back Kasam from K u and v 91.5. Jazz and more we have a fundraiser going on right now, you know, keeps these programs on air keeps the music on and keeps, you know, keeps our staff paid. We need your contribution, our membership drive at K UNLV. You know, when you hear the the DJs come on the air and ask for money, they're doing it. So programs like this can stay on the air. And also, you know, I enjoy the jazz all day long. I know you do too, because you tune in to the station. You know, they have the blue station, I love the blue station. And, and we have jazz is like an education type of educational type of music. Because you know, when I hear my jazz on 91.5 I go Google, the jazz artists and who is playing in the Quartet who's playing in the band, I just do it. That's one of the things I enjoy doing when it comes to listening to jazz. And I'd say it's educational, because let's say it's a quartet that's playing. I'm gonna I'm gonna check out every jazz member in the Quartet. And to find out a lot of these jazz members in the Quartet. They have records out on their own so they come together collectively and make music and it's nice to turn on your radio. Without the beat the beat you don't know what's gonna sit back and relax, have your beverage in the morning and listen to some smooth jazz. We're the only jazz station and Las Vegas, Nevada, K u and v 91.5, jazz and more. My name is Donald Marquez, with your insurance connection, that's the name of my business. I can connect you with the insurance companies. I love what I do. You know, I've talked to people that they get up every day going to work they don't like their jobs. But I love my career as an insurance agent. It was meant for me to do this since 1996 This is my give back to my community here in Las Vegas, Nevada. They'll come on the air and help you better understand the insurance you pay for you pay a lot of money for insurance every single month. Now one of the best ways to pay your auto insurance is to pay it in full for the full year or for the full six months. This is this is way to save money. When you pay your auto insurance month a month. There is a charge for that if there is a fee for that all insurance companies do it 702-236-2624 702-236-2624 If you're gonna afford to pay for insurance and four for six months it's gonna save you money. And you know when you contact me I'll show you the difference between the month a month rate and the paying full rate 702-236-2624 702-236-2624 I know at the top of the show we talked about final expense up to $35,000 however if you need that larger policy because you have a young family, we can also accommodate you too we could those policies start at $100,000 and coverage and up look at as in a savings account look at life insurance as an investment 702-236-2624 702-236-2624 My name is Donald Marquez have a beautiful Sunday morning enjoy the weather we're having in Las Vegas Nevada because we know the heat is just around the corner a couple of months from now it's gonna be scorching hot and to next week just keep it crispy.

Unknown Speaker 29:46
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 or the Board of Regents of the Nevada System of Higher Education

Transcribed by https://otter.ai