YOUR INSURANCE CONNECTION

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You're listening to locally produced programming created in KU NBC Studios on public radio K, u and v. 91.5.

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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.

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Good morning. This is your insurance connection. I'm your host. Donnell 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.

Speaker 2 0:52
Good morning. Happy Sunday everyone. My name is Don Marquez, this is your insurance connection broadcasting right here at K u and v 91.5. Jazz and more Sunday morning from 8am to 830. Get your favorite beverage, your coffee, your tea, and me. All right, and we'll talk about insurance is my favorite subject to talk about right here on K, u and v 91.5. Jazz and more. As a licensed insurance broker for the state of Nevada. I've been in the insurance business since 1996. And counting. I've been around for a very long time every day I'll wake up motivated to offer valuable information to my customers. And also, to my listeners writing on this program. I want to thank staff and management oviya que un V 91.5 Jazz and more for this unique opportunity to allow me to come in your homes and talk about insurance. And what you need to know about insurance is everyone has insurance, some form of insurance, we all have to have it responsible people have insurance, you know, and we need to know what we're paying for it. That's one of the most Miss understatements when it comes to having insurance people don't understand their policies, they pay for the insurance, they just want low cost insurance. And when something happens, they want to make sure that they are compensated. And sometimes, you know, especially when it comes to car insurance, I'm gonna say this about car insurance. You know, you can be compensated for accidents that you have. But you know, sometimes it is a little fight, you have to make sure that when you have a vehicle that's totaled out that you have your fair comparisons, like kind and quality, same similar mileage, when you total your car out on a total loss. Hopefully, you can walk away without serious injuries from a total loss vehicle, or we just had water losses here last week. If in fact your car was a total loss from the water damages, you need to file a claim immediately. You know, don't try to get it don't try to drive the car out. Make sure you take it to a mechanic domain, make sure the car is safe because you don't want to be driving down the road and you know and water damage was caused to your vehicle maybe you can have electrical fire, there's many things can happen to your vehicle, you know, but if your car is was flooded, or or any property that you may have wind damage to your roof go go out and take a look at your roof. There was a lot of high winds last week, and a lot of water damage caused by the rains, check out your roof. And if you were involved in any type of, you know, damage or harm to others as far as the weather we had last week, make sure you contact your insurance company right away and file a claim. Now you do have a little bit of wiggle room. And when you do file an initial claim, you're not talking to the claim representative you're just taking and talking to her a representative to take your information and transfer it to your claims rep. Now you will receive a claims number with your claim number, you can access the claim. Anytime you want to find out exactly where you stand with your claim. There's many lot of claims being filed right now you have to be a little patient. Be patient because these representatives from the various insurance companies are extremely overwhelmed not only Las Vegas was hit severely with our rains and winds, we have California and most of the west coast. So just be a little patient. They will contact you and every claim is different. Every single claim is different. Make sure you file a claim. We had high winds you could have roof damage, look look at your tiles on the roof to make sure all your tiles are in place if you have solar panels. Please take a look at your solar panels. Make sure you're not missing any solar panels for more information. My name is Dawn Marquez this is your insurance connection. My contact phone number is 70223 62624 702-236-2624 broadcasting, radio K, u and v 91.5, jazz and more 91.5 Jazz and more. We have a lot to offer. We have talk shows, talk show hosts were all their unique and valuable information and our music is everlasting. We're the only jazz station in Vegas. So enjoy the music and listen to our talk shows. I come on every Sunday from eight o'clock to 8:30am. And I want to thank the listeners that contacted me for home auto, yes, and life insurance. We do have a team member at your insurance connection. She has a paralegal. Her name is Christine Benard. Her contact phone number is 702-857-4401. Again, our phone number is 702-857-4401 Christine Banagher. She's a paralegal and what she can help you with is a power of attorney for medical and financial power of attorney last wills and testaments, promissory notes. And also she is a traveling notary. So if you need some important documents, notarized, she can contact you Christine Barnard, a team member at your insurance connection, if you need to put a family member on the DW home and Lula death or the right of Survivor, this is one of the services that she will provide for you. Also, she she has a business formations with LLC s, e i n number of applications, you know, and any answers to complaints. As far as maybe a renter may have a complaint, she can help you with all that information. 702-857-4401. From time to time, I have Christine on my show. And she brings us up to date. Now Christine has also notified me that she can offer to reduce your speeding ticket down to a parking ticket. Let me say that again. Because that's excellent news from Christine Barnard. She can help reduce that speeding ticket down to a parking ticket. Every six months when your auto insurance is ran the insurance companies, they look at your driving history, based on your address your driver's license number, they renew your policy based on your driving record. I've had people ask me why, you know, I went to court and they reduced it down to a parking ticket. And when I'm reading their driving history, I see a speeding ticket back in February 3 of 2023. And so how did you know you must have put that in there? So how would I know you you received a speeding ticket in February of 2023? How would I know that information. Sometimes when you go to the courts, is as another procedure, they don't take what they tell you, they're going to reduce down your parking ticket to a speeding ticket. But sometimes that doesn't happen. I've seen him far too often. In my many years in the insurance business. This is why it's really good to have a paralegal to help you do the process as Christine Bernard can. Now she can help you eliminate the speeding ticket. Because with a speeding ticket on your driving record, it will cause your car insurance rates to go up. It will cause your car insurance rates to go up. This is news you could use you know we want to keep these car insurance rates down in in Southern Nevada is as minimal as possible. You know, I just recently registered my vehicle online, right he had to do in DMV website services. They offer you know really good services that you can you can change your address with your driver's license if you if you move relocated, you can do an address change you don't have to go into the department of motor vehicle to go into department of motor vehicle now you need an appointment to to make any registered new registrations, or if you just you know, move to Las Vegas and welcome to Vegas or any Southern Nevada or northern Nevada. You do have to go into the DMV and register your car you you have to get the small division cars over two years old. You have to get your car smog let you know and that's it is what it is in Vegas, or your vehicles need to be smoke. Now if you have a classic car, if you have a classic car, you don't necessarily have to get a smog. But you do have to make an appointment to go into department of motor vehicle. But as I was saying I was registering my vehicle on the Department of Motor Vehicle website. It would be nice if we can update the DMV website services for veterans to them be able to put in their veteran ID number to register the vehicle to get a discount because at that we do receive a discount on our car registration. You do have the option to use that veterans benefit or taxes on a property to reduce your property taxes or you could use it as Sue when you register your vehicle at the department of motor vehicle it is worth it. If you don't have the discount as a veteran. You have To go to the county assessor's office to get your special number they give you at the county's assessor's office to get your vehicle registered and we have county assessor's office all over the valley just go on the website and see which one is near you to go in and get your in this in and out process is not a lot of paperwork you have to fill out. You let them know your VAT and a lot of times they have the information already handy. You may need to take your DD 214 And it's veterans and the discount is worth getting to reduce your registration on your car. So you can drive your vehicle at a discount. Okay, because car car car insurance car registration is you know, in Vegas a little pricey if you just move it to Vegas. Welcome to town. And I know you're getting into you're in shock with our car insurance rates. I'm an insurance broker. I represent multiple car insurance companies 702-236-2624 702-236-2624 My Location is on a corner of Santa Barbara Rancho in the US Bank Center, located on Eighth floor I work by appointment by business hours a Monday through Friday from 10am to 5pm. And I'm available on some Sunday on some Saturdays not Sunday some Saturdays. I will come in and work with you because I know a lot of you work nine to five Monday through Friday and you know you can come in and see me with an appointment 702 to three 626 24 I work by appointment only because I want to be able to manage my time especially now because we have football coming up yeah, you know baseball is okay I like what when the tournaments you know playoffs come around. I just can't watch baseball. I mean it's it's just if I want to take a nice nap. I'll lead the way are either watch golf or baseball. And I took a really good nap. I'm I'm watching baseball and baseball is watching me. And I love baseball I when I was a you know growing up in Vegas, I played on baseball teams and I loved it. It was absolutely a lot of fun. And I love go watching it live. But I don't know if something about watching baseball games on television or golf. Just puts me in a deep coma.

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I love it. I absolutely love it. But we have football now I don't go to I sometimes I go to sleep on a football game to get equal opportunities. When it comes to going asleep watching sports events. I will go to sleep from time to time and especially, you know right before halftime, I'll catch the third and fourth quarter. But you know, it's wonderful to be able to sit back, relax and enjoy these sports that are coming up. Go Raiders, we got to do our thing. You know the Knights did that thing. Congratulations, they won the Stanley Cup. Our Lady aces, you know, they took the first ship and national championship of a major professional sport right here in Las Vegas that I'm so proud of my city is growing up I was when I grew up in this town, it was a little bitty nothing seven high schools, you know, and everyone knew everyone. And now it's a real city where we're getting close to 3 million people living in the valley now. And with that comes, you know, a lot of things that's going on, as far as people you know, you know, burying their loved ones. So many cemeteries are full to the max woodland cemetery is one of one of the oldest cemeteries in Las Vegas, Nevada is full to capacity. You know, even if your family member has paid for a pre arranged pay for the plot, pay for the service years ago, with the family members when they lose their loved ones, what they're finding out, when they go to the cemetery to arrange the opening the closing, and we have the marketplace to headstone place, they have to purchase a container to put their loved one in. And that container could be up to four or $5,000 in price, additional price. Now when your loved one played for their plots years ago, that container was not included in most cases. Now. You know, it's not a requirement back then, but now is a requirement. Now it's not the law that they have to have a container to put the casket in. But it is a requirement at the funeral home. And it's probably earn two so if you're going to bury your urn and in the ground, your loved ones earn in the ground, they probably have a container for that too. But I know for a fact just recently went to a funeral last month in July. The casket had to be lower intake in a container. The container has laid on top of it, the dirt no longer touches the casket. That's an additional cost. When I offer you a life insurance policy at your your insurance connection. I want to make sure that you have enough money to bury your loved one and have money left over for other expenses. There are going to be additional cost. You may have to pay for a mortgage for a couple of months. You may have to pay for rent for a month or two to move the loved ones furniture out of there. or homes, you may have to make a car payment, car insurance payments, these are closing out one of your loved ones estate. And just don't say you know, you they can do anything with me, I don't care, but you're losing the, you know, you're losing your loved ones, you know, money they've saved up for years, they're losing their money, they may have to go through their 401 K, they may have to max out their credit cards, they may have to go to their savings account. Is that fair to them, it's your responsibility to take care of your final expenses, so that you won't pass on this debt to your loved one. So many times in my career, and I've been doing this for a very long time since 1996. I've seen you know, families fall apart, because someone has to pay for a funeral. And not only pay for the funeral, but you may have to take off time from work to make those arrangements and these funeral homes, they can use third parties to pay for the funeral because they don't want to wait for the life insurance policy to pay. Because for the life insurance policy to pay, you need a death certificate. And sometimes a death certificate can take up to six months. I mean, that's six months gives me six weeks, to four to six weeks, before you get the death certificate, what the funeral homes will do that use a third party, they'll use a third party to get the money to pay for the funeral right away. Because I don't want to, I don't want they don't want to lower your loved one in the ground or you know, cremate your loved one until you get paid. So to use that third party, one of the insurance companies that I use is Lincoln heritage life insurance company, they will advance the bent primary beneficiary or the primary beneficiaries, up to 80%. Two days two business days in a checking account, up to 80% of the face amount of the policy, what that means is to you because the funeral home will use a third party, and that third party could charge up to 10%. On a $15,000 funeral, that's an additional $1,500 added on to already the cost of a funeral, the cost of funerals are going up, they are going up the cost of again, I talked about the cost of burying a loved one now you have to put the loved one in a container. That's an additional costs, along with the opening and the closing the marker the headstone. You know, these prices go up every six months at these funeral homes, don't get caught saying you know what I want to wait, I want to think about it. And time goes by. And as we age in life, you know, we see a lot more of our friends passing away, and someone has to pay for that very expensive funeral. A lot of times suit family members, you know, get they get this from people that they know, hey, is there anything I can do? Let me know. I'm so sorry for your loss. If there's anything I can do, let let me know. And people, some people say, Yeah, I need some money.

Speaker 2 17:56
I need some financial assistance. And you know, they they don't they don't offer that kind of help. And sometimes they do not all the time. But people mean well by saying that. But you know, sometimes they get, you know, people say hey, I need some money. Because we did not plan we did not plan for a funeral. You know, because people say if something happens to me. So by saying that, that means you're going to live forever, maybe nothing will ever happen to you. I don't know why even say if something happens to me, you know, because if something's going to happen to all of us, it doesn't matter when it's a matter of time. You know, time as older we get, we have less time ahead of us than we do behind us. Now's the time to plan for that final day to be here on this earth. Someone has to pay for this service. You know, one dies free, no one dies for free. And you know, some people say, Well, you know, I don't want to service, you just cremate me. If that's your choice, that's your choice, but let your family members know it. If you have a life insurance policy. Let your family and members know what their life insurance policy is. If you have a beneficiary this has been deceased for quite some time, or just recently, get a change of beneficiary form to get a new beneficiary. If you want to leave money to your church, you can do that too, as well. Oh, any kind of nonprofit organization or any organization, you can donate a certain percentage to a nonprofit, if you would like or to your church, if you would, like you know, I'll be more than happy to go out and talk to organizations churches, about life insurance 702-236-2624 702-236-2624 I do not charge for the service. And a lot of times to I'll bring I'll bring snacks and talk to your audience about having life insurance. The importance of having a life insurance policy through Lincoln heritage Life Insurance Company is a final expense life insurance company, you know up to 35 $1,000 in Whole Life coverage I can offer you. There is no health examination to apply to as a few health questions, just a few health questions, no physical, most people qualify even with health issues. So if you have diabetes, lupus a history of cancer, and you've been turned down in the past for life insurance, don't give up you can call me again at 702-236-2624 702-236-2624 I'm a licensed insurance broker I care about you. I want to make sure you can't fit it in your budget. Because once you get a life insurance policy you want to keep it you don't take out life insurance keep it for six months and I you know, something comes up and you decide to get rid of your life insurance policy, but you still have HBO, you still have Showtime you have all these premium channels on your television. You have the newest latest and greatest cell phone with all the features on it. You know, there's other things you can reduce there's other things you can reduce my smokers I'd never get smokers I don't know why I don't get any smokers column. I know a lot of you smoking right now probably listening to this program having a cup of coffee or or whatever you drink in the morning you know don't have a Heineken I had just one customer call me up he said you know I listen to your show. And you're talking about people with me and I have a cup of coffee or some tea but I listen to your show and I had my cigarette in my Heineken in the morning I thought it was quite unique as a you have a Heineken eight o'clock in the morning is a yet but he's I work graveyard. And when I get off work, I want to be able to relax. That's it. Okay, well, that makes sense. I used to work graveyard too. And yet, but you know, even if you work swing shift for graveyard, you know, I can make arrangements for you to come in and see me. Again, I work Monday through Friday from 10am to 5pm. And on some on certain Saturdays, I will work the work by appointment 702-236-2624 centrally located in the heart of a beautiful city, Las Vegas, Nevada, on the corner, Sahara and Rancho across the street for the palace station Hotel Casino in the US bank center, eighth floor by appointment only 702-236-2624. You know, when that day comes and it comes for all of us. We want to make sure our family members can, you know, have an opportunity to grieve without any life insurance without any money to bury you. How do you expect your family to grieve? They don't have time to grieve. Someone has to pay for a funeral. You know, and that's a lot of burden, especially if you your loved ones have a young family and you pass away and they have a young they're responsible for a young family with with children. Now, you know that's a burden on them for them to come up with 15 to $20,000. To bury, because you're telling your kids, you're telling your family members, I don't want to be cremated. I want to be buried oh and on again, I want to send me back to Chicago or New York, who's going to pay for all this, this, this is a very expensive lesson to learn when you don't pre plan, you know, instead of being proactive, you're going to be going to be reactive. And when you're reactive is going to be costly for someone in your family. Let's avoid that you can make easily monthly payments coming directly out of your checking account every single month that you can select a due date to have the premium come out of your premium out of your checking account. Between the first and the 28th of each month. There's a few only a few health questions to ask. There was only a total of 12 questions X. And these are yes or no answers. We can make it happen. And your insurance connects. And I'm a licensed insurance broker. And if you need a larger policy other than $35,000, I can accommodate you too as well. 702-236-2624 Do you have older loved ones as seen your loved ones without a life insurance policy? The unit really need to have a conversation with them to say, hey, you know a mom, dad, or Gail grandparents? Do you have a life insurance policy? Who is the beneficiary? And if they tell you to they don't want to talk about it. I don't want to talk about that I have everything taken care of, well, how am I supposed to know if you have everything taken care of? What am I supposed to do? And if you're an only child with just surviving parents or parents, you really need to have a conversation. Because some family members will discuss family business with you know, you know, one of the siblings or one of the family members. But how are you? How are you supposed to know and especially if it's there's only one surviving spouse, or if they're two surviving spouse if something happened to them at the same time. What are you going to do where he has a life insurance policy? Who's the beneficiary? Is the beneficiary still alive? It's a lot of moving parts, have the conversation with your loved ones always like to talk to the beneficiary when I when I write a life insurance policy, because the life insurance beneficiary has duties to fulfill out your final wishes, put all your final wishes down on paper. I don't want to be cremated. I want to be buried in Las Vegas, Nevada. You know, whatever you want, you need to write it down and have the conversation with your family members. Now I know they don't want to hear what you have to say. But they need to be prepared to as well. Now maybe they don't want to hear it. Just ask your your family members. Well, do you want to pay for my funeral? I'm trying to tell you something, and then you have a full attention. Or if you take out a life insurance policy. And this is a good one. You take out a life insurance policy and someone tells you you don't need a life insurance policy. Just ask them what they pay for your final expenses. They're gonna change their tune right away. I'm Eliza, this is yours broke. I can help you. My name is Donald Marquez, a broadcast ready okay, you want to be 91.5 Jazz and more every Sunday morning from 8am to 830. Let me help you step by step process. I do not charge a fee when you come to see me. When when I do sell a life insurance policy or any type of insurance that insurance companies compensate me. Some brokers do charge a fee, I don't charge a fee to come to see me 702-236-2624 702-236-2624 It is easy. Rates and benefits are locked in for the life of the life insurance policy. That's good news to know. And it also has an accidental portion on the policy accidental portion along with the final expense life insurance. Now I know in the mail, do you receive all this information from well known resources, I receive it too. I just recently received this invitation to purchase the life insurance policy through a well known Motor Club company for accidental loss of life insurance. As a life insurance agent since 1996. I have to tell you, you know I'm okay with the light of the accidental insurance covered auto accidents. But most of these accidental only policies exclude car accidents. But if you purchase accidental only life insurance, you know, there's good odds you may not pass away of a life insurance of an accidental policy so that accidental policy won't pay. But you need a policy for natural causes. Most people pass away from natural causes, but I'm okay with accidental enhancement, along with a final expense life insurance policy for natural causes. Now what that means is if you pass away as a result of a car accident, the car accidental portion will pay the policy, the policy benefit and also the natural cause portion of the policy will pay 702-236-2624 My name is Don Marquez, this is your insurance connection 702-236-2624 I'm here for you. And you know I'm only a phone call away even if you want to call me on the Sunday and leave a message if I'm out because I may be in a bad state. This is a pre recorded broadcast. I may be in the bed sleep but I will call you back 702362624 702-236-2624 again located on the corner, Sahara and Rancho US bank center located on the eighth floor. When you don't plan for a funeral, you're setting yourself up for a very expensive lesson.

Speaker 2 28:43
You are I mean it because when you don't plan if you don't have the money in the bank, if you you know you and I have had people call me to say you know what, my dad just passed away. He has no life insurance. Can we use his credit cards to bury him? No, you cannot. Now even if you own your dad's credit card as a user, right, but your dad passed away he was a primary on a credit card. He was a primary person on your credit card. And you are you are a user of his credit card and you On other words, you had your own credit card but your dad was a primary or your mother was a primary. You can't use their credit card to help pay for this very expensive funeral. I've had calls like that. No matter how much you weigh. I have a life insurance policy they don't ask for you how much you hate Wait. I have a life insurance policy also want to ask you if you smoke cannabis. If in fact you do smoke cannabis we will not charge you as a smoker. Only if you smoke cannabis 702-236-2624 My name is Dawn Marquez. This is your insurance connection. I want everyone enjoy your beautiful day to day and just you know stay hydrated. Until next week. Just keep it crispy. Thank you for listening

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