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 0:42
Good morning Las Vegas. My name is Dan Marquez, this is your insurance connection. Happy Sunday morning. It's a beautiful day outside, get outside, get some sunshine, get that vitamin D all over you. You know and enjoy the day here in Vegas. This is the best time of the year. For me for Las Vegas born and raised in Las Vegas. I love the spring in the fall. I hope so do you, you know a lot going on in the city or just get out to enjoy yourself, go to a restaurant. You know, go go and enjoy yourself. You don't don't just spend your time in front of a slot machine all day long. Or what a craps table. I used to do craps years ago, I left I left the casino business. And that was July of 93. And you know what it was? It was good. And it's fun when I last saw a lot of celebrities, but I love Vegas, especially this time of year because you know people come out and enjoy the weather and enjoy the sunshine. And so should you on your insurance connection that we broadcast right here at UNLV. Every Sunday morning from 8am to 830. And after my show, of course there's other talk shows and music continues. We have enough fundraiser please donate to K u and v 91.5. Jazz and more the only radio station that plays jazz on a consistent basis right here in Las Vegas, Nevada. You know of jazz lovers, I'm a jazz lover. I like more the straight ahead jazz that's more of my thing the the the Miles Davis the max roaches, those guys cannonball Oh, and you know, can't forget about a bird you know, in the list just goes on and on. For me. I love that type of jazz. And I don't mind the Smooth Jazz at all. But we get it all right here K u and v 91.5. Jazz more. We have enough fundraiser, please donate to our school, and to our also our Jazz Radio Station. We could use the money to keep shows like this on air and take care of our staff engineers. And you know and keep you well informed on what's going on in our valuable community. Our community. Las Vegas, Nevada is a valley has a value to it. I go to other cities and I see that they're not as well kept as our city. And that's why I say our city has a lot of value to it because we have a new brand new city all these new communities as popped up, you know, all over the art all over town. I remember growing up, there was no similar. There is no Green Valley. There was only in Las Vegas, North Las Vegas in Boulder City. Pahrump, Laughlin, that was it. Now all these new communities, we have seven hills, we have all these are the green valleys. All these are the dwell Dale well probably you know, I mean this all over, all over the city. And you know, when it comes to rating insurance, that does make a difference where you live insurances, especially when we're talking about car insurance, it is rated according to zip code has always been that way. It's always been that way in the newer community that you're in, perhaps you may paying a little less for car insurance, because these communities have not been rated the car insurance, or they don't have a history of being rated for car insurance. Now, if you live in certain zip codes and without, you know, without having a discount, you feel like well, you know, I'm paying a little bit too much. But if you live in an 89115, you know, and you feel like your insurance rates a little high, we can shop for you, or if you live in a 9106 or a 9032. And some of these areas have been a while or been around for quite some time, ie 9118 The name another one, or they've been around for quite some time and sometimes they find themselves paying a little bit more money for car insurance. We can shop for you at your insurance connects and I am an insurance broker. By being an insurance broker, I have multiple car insurance carriers that I use to shop for insurance now, you may think is unfair.

Unknown Speaker 4:48
Insurance companies use zip codes as a rating factor. But it's been like this since day one. It has it's been like that since day one. I mean it is Part of writing you for car insurance because they want to know what's going on in your community. But the newer communities, the newer communities, or something, even the existing communities, like, for instance, puram, if you live in Pahrump, you're probably paying a lower rate for car insurance, you just really are in Boulder City, same thing has been around for a long time, and they're paying 89052 They're paying a lower rate for car insurance, not to say you have to move to the cities, but you will find yourself paying a lot less for car insurance, you know, as ways to save money. If you're planning on moving, you should check in the zip code area, what your car insurance rate may be, you may be right size, and you may have a home that's a little too large for you right now that the church doesn't want to you know, they're gone, they graduated from college and moved on with their lives. And now you and your wife, or you and your spouse wants to turn to you know, right I say that people say downsize, I say right size, because it's the right size for you, regardless of the size of the home, or maybe you want to step up to a larger home, the opposite. Maybe you live in a smaller home now and your family is growing, and you want to get a larger home. And I know you go out shopping and you get your realtor and you bounce around, look at some of these new home projects are going up. You should also check the zip codes for your car insurance. My name is Donald Marquez 702-236-2624 702-236-2624. I want to thank the listeners that contacted me for their auto insurance, homeowners insurance, yes. And their life insurance concerns. Having a life insurance review. I had a gentleman in my office last Friday. He came in, he had two life insurance policies. And he was concerned about the life insurance policies going up. And a couple of years. Now he's getting a little older. We had here two policies. One was very odd the way they wrote the policy. And I didn't write these policies, I want to say that, but it was about the program, they put him on there or the contract, they put him under with the life insurance policy. Now, his underlining policy was a smaller amount. In other words, his basic coverage was $25,000. And then he had that was a whole life portion of it. And then he had also a term portion for 20 years. And they gave him a total of $100,000. Now 25,000 for permanent, and then they gave a term writer for 75,000 for 20 years, that's what it was for 20 years. But when he did the math, what do you pay for that term writer, and now looking at a new policy when he gets older, it just didn't make any sense. This is why it's always advantageous for you to contact me. So we can sit down and talk about a life insurance auto insurance review expressly with the life insurance. And this is what this is what I find in my business, that people have the most misunderstanding of how does life insurance work? How will it benefit me as when I pass away? Or my loved ones I'm paying on this policy? And is it going to change the rate or the face amount will change as I mature in life. And there are a lot of possibilities that it might now when I write a life insurance policy, I like to write a policy that the face amount stays the same. Right? The premium stays the same. Now the reason that I say this a lot on the shows, I've been broadcast right here K u and v 91.5. Now for a little over a year and a half, we have and I always explain term insurance is a maximum of 13 year term is a max 30 years. If you don't convert the policy within the conversion period is a max of 30 years. That's it. Now everyone doesn't qualify for a 30 year term policy, if you're a male is up to 58 years young female also up to 58 years young. And that is a non smokers rate of 30 year so if you're 50 currently 58 And you're looking at getting a term life insurance policy, and you're a non smoker, it'll take you at age 88, maybe even 87 Depending on where you are right now with your age. So that will take you to ADA or even 87 If you're 58 years young, and you're nonsmoker and you can qualify for the rate. Now with term insurance, the rates start at right at $100,000 and up as much as you can afford. However, with that term life insurance policy, you can convert it over to a universal life insurance or some people like to prefer it. Call it as a whole life policy. A policy is going to be with you for the rest of your life. We can make it here But your insurance connection 702-236-2624 702-236-2624. The other policy is a universal life insurance policy. Now this policy is permanent, the face amount will be permanent, and the ray will be permanent once you qualify. Now you will not live this policy, you want to live it, it'll stay with you for the rest of your life that now that's the policy I like to write. Like I stated earlier, gentleman came in he had a basic $25,000 Life insurance with a 20 $75,000.20 year writer. After 20 years, he's still a young man, he's not even 65 yet, right? It's not even 65 yet. And now he's looking for insurance because he you know, he saved me $5,000 Just fell off. Not only only 25,000, you know, 25,000, I was 20 years now, it's not gonna be a lot of money. It's not even a lot of money today. Most of your cars cost 120 $5,000, especially new ones. Even the pre existing cars costs well over $25,000. Today, the home? Well over $25,000. So, you know, I mean, it's not a lot you can do with that. But these are some of the policies not again, I did not offer him this life insurance policy. He purchased it. Here, the radio broadcast came in. And we had an insurance review. Now what we did, we took his policy, and we reviewed it, line by line, I even highlighted some areas on the policy. So you fully understand even when he left my office, exactly what he's paying for. And he's paying a lot of money for this life insurance policy. Actually, it is two policies in 120 5000 whole life and also $75,000 rider. Now those riders you are we'll outlive those riders, they'll fall off. No, we're not talking about a child rider. Don't get him mistaken. Yes, I've seen life insurance policies, I call it the Frankenstein it's a mix blend of whole life and term. That's a Frankenstein to me. Because I don't I don't write these policies, I just don't. But it's amazing what people will buy. They don't understand it. They you know, they haven't good intention in protecting their families. But unfortunately, it's the wrong product for them. It is I don't know who buys his policy, I really don't, it's really pretty much what we call a decreasing policy. I don't offer those decreasing policies, just like when you purchase a home. Like I said earlier, when you're buying look at shopping to buy a home, you go to these different communities, and you look at these new projects that's going up with these new home built home builders. And, you know, you sign in and you just go through the models. But what you don't do is check out the insurance first, you don't find out, you know what is going to cause for you auto insurance rate in that particular zip code. Or when you do purchase that home, all of a sudden now you're bombarded with mortgage insurance protection, oh my goodness, mortgage insurance protects and that's called name for life insurance, okay. And you have to qualify for mortgage insurance protection. Now just imagine this, the average home is about $350,000 and up in the valley. So you would have to qualify for a $350,000 life insurance

Unknown Speaker 13:16
and you have to pay the premium. Now that is what we call a decreasing term policy. And your your mortgage is the beneficiary. When you buy the mortgage insurance, I rather put the money and the beneficiaries and instead of the mortgage his hand because as your mortgage goes down, your premium stays the same. Your premium price monthly stays the same. However your face amount of the policy reduces when the face amount of the home reduces. In other words, your budget purchasing a home for three, three and a 50k. Your life insurance is 350k Because you qualify for it. But as you get older, the 350k face amount reduces down along with the mortgage. Let's call it mortgage insurance. I don't offer those in my office. I don't like those because when it comes to life insurance, you purchase life insurance for family protection. I want to make sure the family member receives the money and not the mortgage company. My name is Dawn Marquez this is your insurance connection 702 to 362624 702-236-2624 My name is Donnell Marquez, my location is on the corner of Sahara and Rancho in the US Bank Center, located on the eighth floor 702 to three six or 2624 when it comes to purchasing life insurance. Having a life insurance review is important. Not only when you initiate the policy, I want to know what exactly what you're trying to do. Now people are like well, you know, I just want some life insurance. I want to get some quotes, quotes done mean anything when it comes to purchasing life insurance, we're just guessing where you may come in at, based upon what I say your bills, your height, your weight, what type of medications you take, it's just the quote, doesn't mean anything. Now what I called, you may come in a lot less than you really, when you get the policy. Once you receive the policy, once you receive the policy, then we'll meet again, the life insurance policy will meet again, and we'll sit down and we'll discuss the policy you just purchased. Now, when I said when I submit a life insurance policy, now the underwriters will review it. After you've done your phone interview, you've the paramedics have come to you taking vitals from you, we receive a report from your doctor's office, what Yes, we do get a medical reports as expressly for the larger policies, we'll get medical reports from your doctors. Now, this doesn't cost you anything, no obligation upfront, once the policy is approved, we're talking about 100,000. And then that's when you make your first premium payment, you can select the due date between the first and the 28th of each month. Let me say that again, you can select your due date between the first and the 28th of the month. So you know most people say well, you know, I get paid on the second Wednesday of the third or fourth Wednesday of the month, I'm on I'm retired. And I don't get my check until these dates, but you can select you do that. And that's when they'll pull the money directly out of your account on the date that you select. It's very simple, very easy. Now that gives you that relaxation, that peace of mind that we all need when it comes to passing on, you know, generational wealth to the next generation. Now sometimes you say well, you know, $100,000, that's not a lot of money, but it's better than nothing. Or if you cannot afford $100,000 life insurance policy or if you can not qualify for 100,000 and have life insurance policies, you do have some alternatives. You really do. Now we do offer a whole life policy, up to $35,000 in whole life benefits. Now who wouldn't want a policy up to $35,000 in benefits? Well, if a person for instance, smoke cannabis, right, and sometimes these insurance companies, if you smoke cannabis, they will not accept you as an insurance. Sharon's insured, they won't, they won't so well. You know, it's not a federal law. It's a state by state law. And we do not insure people that smoke cannabis because people think sometimes it's a gateway drug. Now when people smoke cannabis for relaxation, I understand that I do have companies that will accept you. If you only smoke cannabis, or if you smoke cigarettes in cannabis, we have to rate you as a smoker. Now if you just smoke cigars on occasion, we don't have to rate you as a smoker just depends on how many cigars you smoke per month. Or if you just strictly smoke cannabis only just cannabis only, we will not rate you as a smoker that's a benefit cannabis smokers. Now with a whole life benefit policy if a person has underlying health condition, let's say for instance, diabetes, that's a big one. History of lupus history of cancer underlying health conditions, are they on dialysis on the line health condition, we can get you a policy up to $35,000 Every one is different. Every one is different now and just because your neighbor has a large life insurance policy doesn't necessarily mean that you will qualify for that same policy or just because your neighbor and I get this sometimes well my neighbor only pays this much money for car insurance he pays a lot less than I do. That doesn't mean anything. Yeah, everybody's based on it per individual. When it comes to when it comes to insurance. It is very personalized. It's very personalized. Now when you when you see these commercials within 15 minutes we can save you or you only pay for what you need. Like a good neighbor. I mean you know you've heard you've heard surprisingly good rates and it's all about the rates. But I'm I'm what I do focus on on the rates but what really concerns me is your protection. Make sure you have protection just like life insurance. It protects you when that time comes. It's not a if listeners it is a win. Win. It's a comes for all of us. No one lives forever. Who is going to pay for this very expensive funeral. The very expensive funeral today is anywhere from 12 to $15,000. In 12 $15,000 and up their prices go up on funeral home. Funerals every six months. They go up on funerals every six months these these funeral homes are in business to make money. They do they do Hey based a, you know, I'm gonna sell but it's an emotional purchase it really is. Because you know, most people don't want the best for their family member. Oh, you know, my dad and my mom, I just want the best for them the casket the, you know, the gravesite and everything I want no problem, no problem. You know, the funeral directors, right and all this down, and and all up on the calculator, and then they pass you the bill. So here you go. $30,000 for everything that you want, oh, no, wait a minute, hold up. Let's back this down a little bit. You know, let's let's can we have what other options do I have? And okay, so now they will, you know, they need to file it all down. And we get rid of this eliminate that. We don't need that many flowers. We don't need that 20 limos you know, we can reduce that down to one limo for the family only? Or maybe two. You know, I mean, it's just It happens every single day. I have people contacting me and they asked me, Can you get life insurance on my dad, he only has less than six months to live. No, it's too late. Your dad waited, waited too long. You know, life insurance is where you get it when you can qualify for it. Not when you you know, the insurance companies are not going to insure you if you have less than a year to live. That doesn't make sense. I've had people call me and say you know what I need $100,000 on my dad, he has less than a year to live. Doesn't make any sense. He's not gonna qualify for it. Can't do it. Can't do it. I'm an insurance agent since 1996. I've heard a lot in my days, I've heard a lot. But if you if you you know been turned down for life insurance, because you have lupus cancers, or MS, multiple sclerosis. Sickle cell anemia is another one, right? health conditions, you know you you're on dialysis, or you have kidney disease, or you have delivered a challenge in which your liver or your kidney or even heart COPD. That's another one, we can get you a life insurance at your insurance connection, I represent 67 Life insurance companies. 702-236-2624 is my contact phone number 702-236-2624. Now with the whole life policy up to $35,000, the benefits are paid within 24 hours with a death certificate. Now the funeral home gets paid immediately. Now, once a funeral home is paid, the first thing that funeral home is going to do is pick up the phone and call your Life Insurance Company Number one to make sure that your policy is active and you paid it and it's not lapse. And it's not lapse, because you don't want to leave your loved one with a bill. Okay? You want to leave them with a bill that they have to pay for it. Charge up their credit cards. Is that fair to them? Your children, your spouse you leave behind, put them in debt. They're already in debt, car payments, car insurance, mortgage, rent, food, and not to mention gasoline, come on.

Unknown Speaker 23:08
You know, when I when I drive, I make sure when I go to my destination, I make three or four stop, well, I need to go over here. I'm gonna go to the radio station, go to the grocery stores, drive by the cleaners. And, you know, I mean, it's like, I have to do things a sequence when I drive. And I'm not It's not like okay, I can go home, then I'll go later, back and forth, back and forth. No, no, I don't do any back and forth just like you. We make adjustments. I don't want to be at the pump every other day. I can't afford to do that. Just like your life insurance. You cannot afford not to have life insurance. That very expensive. Funeral bill is just a day waiting on us. We never know when we're gonna go. But when we do, we have to go into financial responsibility. We have to be financially responsible for one's funeral. And these funerals at 1215 $20,000 and I've seen him the plot the headstone and you know, the headstones alone can cost you $10,000 Depending on the type of headstone you want. Or if you want an above ground, to be led, he laid to rest in the crib. Those are very expensive today. You know, if you don't have a conversation with your family, now is the time Easter is coming up. A lot of time family members get together. Talk to your family members about life insurance. Do you have life insurance? Where is the policy? And if they don't want to talk about it? It's probably a reason why is probably because they don't or they may have the wrong life insurance. If they tell you don't worry about it, you should worry about it. You should worry about it. You should be concerned about it because you may be the one have to pay that large funeral bill. Not only the funeral bill, but maybe you have to keep the lights on The House Why Why are you trying to sell it or move all the furniture out? pay the mortgage pay the rent. I mean, there's a lot of moving parts is going to be very expensive. The average person in United States leave 30 to $60,000 worth of debt behind what we're talking about that's that's your average person, you know, your medium income person. We're not talking about you the rich and the famous because they know what to do. They pretty much take care of themselves because you know, I had they have people, coaching them along the way financial advisors said, Okay, we need to get a life insurance policy to pay those death taxes to offset your state, then that's what they do. But you know, people like you and I'm not the not the wealthy, that you know, you and I we need protection too, as well. 702-236-2624 is my contact phone number 702-236-2624. With our life insurance policy up to $35,000. In coverage, there is no health examination to apply just a few health questions. It's only 10 out of questions. Most people qualify for the coverage, even with health issues. Don't give up. Don't give up 702 to 362624 My name is Donald Marquez, this is your insurance connection, we broadcast radio, hey, you have the 91.5 Jazz and more Sunday mornings from 8am to 830. And I want to thank the listeners that came in and purchase home out of life insurance ladies call me guys, we could do a little bit better. Just wanna let you know, we could do a little bit better and calling and making sure that your family is taken care of whether you're here or not. I have a lot of different products to offer you we offer home auto renter's life insurance, boat and motorcycle insurance 702-236-2624 702-236-2624 My Location is on a corner of Sahara and Rancho. In the US Bank building, we can find a life insurance policy that will fit in your budget. We can just say okay, and a lot of times I can just say how much Oh $50 or $50? That same as life insurance. We can get away with it out. There it is. Oh yeah, most of us can afford $50. That's today that's less than a half a tank of gas for some cars for SUVs, definitely less than half Take a guess. But yeah, I mean, we can find something give you that peace of mind. And when you retire from your job, you lose a lot of benefits you do you lose those benefits, especially life insurance. Now, I've been an insurance agent, now since 1996. And I've yet to see where a job policy has paid anyone. I haven't seen it yet. Most people are live their jobs. They retire. They live on a fixed income. We all live on a fixed income by the way, because people coming home on a fixed income. You know, I don't know if I can afford life insurance. But are you on a fixed income but you got cable TV, you don't have fixed income. You don't have fixed income but you go to the casinos every other day. You can you can afford life insurance. It's just a matter of making making up your mind to protect your family do not leave your family and financial ruin. They don't have time to grieve. They don't. And I've seen it over and over again in my professional. I've had families come to me and you know we pay for two funerals. We're not doing that again. And I have to say to him, thank you for realizing, you know the cost of these funerals. Now it's time to get some life insurance. My name is Don Marquez. We'll do this again next week from eight o'clock to 830 You know your insurance connection I'm here to help you. Again we offer home auto renter's boat motorcycle insurance yes and life insurance 702-236-2624 Go outside enjoy the air is beautiful right here in Las Vegas, Nevada. It's a next week. Just keep it crispy. Thank you for listening.

Unknown Speaker 29:30
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.

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