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.

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Good morning. Good morning. Happy Sunday morning. My name is Don Marquez. Welcome to another edition of your insurance connection right here at KU in the 91.5 Jazz and more every Sunday morning from eight o'clock to 830. Welcome to my show. And I want to thank the listeners that came in and purchase home auto and life insurance because they listen to this programming. Right here K u and v 91.5. Jas and more and then pass the word Don't keep me a secret, please. I hope everyone had a wonderful holiday Thanksgiving. Family France football. It was an enjoyable day I ate a little bit too much. But I enjoyed myself leftovers. A few days after that. I ate enough not to gain any weight. Knock on wood. Yes, I ate enough not to gain any weight. So I was really conscious about that because I love my sweet potato pie. And if you haven't haven't tried sweet potato pie, you know, you should you should try it. You may not eat pumpkin pie anymore. They should do a combination of pumpkin pies sweet potato pie combination. And see I think that would be very tasty to see with those like blend cultures there. My name is Don Marquez, this is your insurance connection. I'm a licensed insurance agent. Right here in Southern Nevada, my hometown, you know grew up in Las Vegas, right here. You know the heart of our beautiful city that knocked down they call it the historical west side, we just simply call it the West Side growing up. I went to Carson elementary school and Jill Mackay in the sixth grade. Under the principle of Mr. HP visceral, I'm just going back for a few years for people that been around in Vegas for a long time. And then from there, I went to Rancho and Valley High School graduated from Valley and I attended UNLV. And then from UNLV joined the military. And I'm here right now talking to you about insurance. I'm a licensed insurance agent. And I celebrated 27 years in the insurance business. The day before Thanksgiving, I received my first license as an insurance professional and I was very excited. That was 27 years ago, my mom I had a time flies, and I was talking to my son about it. And now he's an insurance agent. And I'm so proud of him, him and him and my son in law are insurance agents for for a well known insurance company here in Las Vegas. However, you know, the time just seemed like it was a blink of an eye. And since then, you know, I've been licensed as an insurance agent. I've seen family and friends. We have to bury a lot of funerals. I tend I average, around five to six funerals per year. In my ripe age, I attend at least five to six funerals annually. To date right now I have attended for funerals, and getting ready to attend another funeral. On the ninth of December, yes, another funeral. And you know, it happens, especially this time of year, talk to your family members, give them a call check on them from time to time, you know, sometimes it's this time of the year can be very depressing for loved ones. I talked to people that own funeral homes, and they tell me that during the holiday season, there's a lot of lost loved ones, things happen. Unfortunately, people are very depressed. Go pick up the phone, call that aunt uncle, that cousin you haven't spoke to in a long time. They say hey, how you doing? It's one call and check on you to say hello. You know, how's the family just you know, just say hello. And sometimes you know, it could make a difference in one's life. You know, just to just to hear that phone calls, people reaching out and if you haven't talked to many family members of friends for many years, maybe now's a good time, but we're not getting any younger. We that's definitely we're not getting any younger. So it's always good to reach out and talk to family members. Now during the holidays. I encourage family members to have a family meeting before or you sit down and eat all the beautiful food and, you know, and all everything and just the drinks and the food, the company have a family meeting, talk about who has life insurance, see if if if, you know, if the beneficiary is still alive, because there are some times, you know, the primary beneficiary passes away, and there's no other beneficiary. That happens, that happens quite often, if you take out a life insurance policy, do not cancel it. Not everything, you can't afford it, you cannot afford not to have it with the rising costs of funerals today, are anywhere from 15 to $20,000. And that's not only that, there are other expenses, final expenses means, you know, paying them for mortgage rent, you know, moving furniture out of loved ones house taking time off from work, flying out of town, I mean, there's a lot of money lost to, you know, to close out once a state. And, you know, and it's not just a funeral, you got to think keep in mind, there are other costs involved too, as well. Maybe you have to pay a car payment to car insurance, the power bill, utility bills, you know, because closing I want to state and you have to act once you bury their loved one, and they have a home or apartment they are renting or a condo, you have to ask if they were still alive, because those bills need to be paid. In order for you to sell the home, or whatever you got to do with the home or if you have a surviving spouse, what does that say about buying the spouse going to do with that loss of income? When you lose an income and you face with the reality of you have to pay the bills that you're you know, all the bills yourself with no income because you procrastinate it you say you know what, one day we only call Donald Marquez and talked to him about a life insurance policy. I know it's it's the holiday season right now. And a lot of people out there shopping, spending the money they shouldn't be spending it. But why not get a life insurance policy, put a loved one on the life insurance policy and they ask what you give me for Christmas, I purchase a life insurance policy I made you my primary beneficiary is the gift that keeps on giving. And you can let them know every single year that hey, remember, I put you on that life insurance policy as my primary beneficiary. And if you do have a life insurance policy, and you don't quite understand why the policy is going up, or you purchased the policy many years ago, now it's time for a review. On the life insurance review, not only we've reviewed your life insurance, I review all your insurances, your auto your home, renters, boats, motorcycle, it's time now to act don't wait to the first of the year. People say well, you know, I'll call Donald the first of the year. And I'm gonna tell you what happens first of the year. The first of the new year celebration, everybody's celebrate New Year's, you know, maybe you have a little bit of a hangover for the first week or so. Then you get back in the swing work or whatever your routine is. And all of a sudden now here comes the Super Bowl. Right? You got the super bowl and a few of the holidays in there along with Martin Luther King holiday and everybody's still on the holiday spirit. Right? You still on a holiday roll? Because right up January goes into February and now it's March. And what do you do in March, you're getting ready to pay your taxes. You said no, I got to take care, my taxes. You know, get all my ducks together. So I can present that to my accountant. And then now you march, February, April, May. So this is why it's important not to procrastinate. Don't Don't say you got to call me the first of the year. Too many things happen. Right after the first of the year. And of course we have an election coming up. I'm not gonna get into that. But, you know, that's a lot that is on on a lot of people mind. But you know, it's a lot going on. And there's a lot of layers that we have to face every single day. I make a real quick, simple easing you come into my office is located right on the corner of Rancho Sahara in the US Bank Center, located on the eighth floor 702-236-2624 702-236-2624 My name is Don Marquez. I'm a licensed insurance broker. I'm a hometown native, I love my city and I love what I do. I would love to meet you to talk about all your insurances. And I want to thank the ladies that contacted me because I'm gonna tell you some fellows that ladies call me and they want to make sure that their house is home. They call me they set the appointments up and they say you know I heard you okay, you want the 91.5 Jasmine more. I want to come in and go over my insurances with you. I need life insurance. I've buried loved ones without life insurance. If you've ever experienced that, going into a funeral home without a life insurance policy is a is an experience you never will Forget, because the expense the costs to bury a loved one is this. All of a sudden, you know, you find out your loved one passed away. And it wasn't common or you didn't see it come in or you you know it just happened. You wake up Monday and you receive that phone call, you know, get Uncle Joe just died. You know her grandmother just passed away. And he wasn't expecting it. Maybe it will or a brother or a sister premature passing a mother or father.

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It happens it happens every day. It happens every single day, if you're a smoker. 450,000 people per year die from smoking from smoking cigarettes. We say that again. Because that's an amazing number. It's amazing that cigarettes are legal. My daughter and I were having a conversation just just last week. And she was talking about cannabis too as well because cannabis can call blood clots. I didn't know that she was CMO. She's a she's a pharmaceutical major nuclear pharmacist. My daughter is going to be a nuclear pharmacist and may I'm very excited for her. Yes, nuclear pharmacist is he was our dad. You know, if people smoke, cannabis, you know, they can have they can have suffer from, you know, blood clots. It's like, wow, I didn't know that. And then she said smokers for over 40 50,000 people die from smoking, all the chemicals they put in cigarettes, especially that nicotine. That's really bad for you. So you know, I'm not saying you know, just hope that everything that you do all the pleasures in life, did you have another conversation with smokers? And they tell me Well, this is the only advice that I have. But when you look at the cost of cigarettes, very expensive. You know, I don't smoke cigarettes. I don't I don't smoke cigars, anything. But this is the fact that you know, when i One day One day, I was going to the ATM machine near my home. And writing right next to the ATM machine is one of those you know portable ATM machines where they have and it was built in a wall in a strip mall. And right next to the ATM machine was a smoke shop. And they had these mentalistic cigarettes on sale for 799 a pack $7.99 A pack now again, I do not smoke. What $7.99 For a pack of cigarettes I'm like, that's a lot of money for a pack of cigarettes. So 10 cigarettes is almost $80 a carton of cigarettes was at $160 for 100 cigarettes. And if you smoke a pack a day, you smoke a pack a day. That's a lot of money. That's a lot of money. That's $160 a month. Now, if you smoke half that amount, maybe not a pack a day, but maybe a half a pack a day, you're going to definitely afford a life insurance policy and won't interrupt your budget and your body would love it the fact that you don't smoke as much. And honestly and you know, it's the holidays, people have drinks, they want to smoke a cigarette. You know, people tell me that combination goes well. I've tried it back in the day. And I'm gonna tell you something, you have to make a decision. No, I'd rather have my cocktail, not a cigarette, thank you. Because it does. It does happen. People smoke and drink. You know, smoking drinks, drink smoke. It happens. It happens but you know, be conscious of what you're doing to your body. And don't say you can afford it because if you can afford to smoke, you can afford to have a life insurance policy. If you currently have a life insurance policy, and I've had people call me wanting to cancel a policies and not the policies I wrote them it because I fully explained the policy. I go over detail by detail so you fully understand what you're purchasing. But what if you thinking about canceling your policy, look at other options you may have. You can reduce down the face amount, you can reduce the face amount of the life insurance policy instead of canceling the policy. You may have child riders on your life insurance policy your child riders last up until the children turns 25. Maybe 2425 Just depends on the contract. In other words, they're insured underneath your policy as a writer. Once they turn 25 years young. They will be offered their own life insurance policy. The younger you are the lower you pay for life insurance. I do have a company I just signed up with great western life insurance company if you have a loved one or yourself. You have AIDS HIV from 14 to age 80. I can get you a life insurance policy up to $25,000 face amount. My name is Don Marquez. This is your insurance connection. My phone number is 702-236-2624 702-236-2624 centrally located on the heart of our beautiful city Las Vegas. Right across the street from the palace station hotel is a tall brown building with US bank on the top. I'm located on the eighth floor I work by appointment 70223626 too for some of you have stopped in my office and I was either unavailable. Or I wasn't there. Maybe it's out to lunch or something. My business hours are Monday through Friday, from 10am to 5pm. And sometimes I would I do work from home. If my appointments allow me to work from home, I will work from home to save gas because you don't want the gas prices and gas knock on wood, the gas prices are going down. I spoke to my brother in California and I said, you know, I just filled up at Costco and it was only 399 A gallon for premium. And he said really, he lives in California. He lives in California. And he said, wow, that's that's pretty good deal. But, you know, you have to be a little conscious. I can work from home. Sometimes people don't want to come in. They rather do everything over the phone. I'll make it convenient for you. Only thing you need to do is just make the contact 702-236-2624. And if you listen to my show last week, I had Christine Barnard on the show with me. She's a team member of your insurance connection. She's a paralegal. She can help you out with legal services. If you've gone through a divorce or child custody, she can help you with those services, notary notary services resume she can even put together a resume for you where she actually helps me for and I do appreciate all her help and her her ability to put the power of attorney, medical and financial P always together for me the power of attorney. It gives you absolute power to sign for your loved one. It gives you power to answer all the health questions when it comes to purchasing a life insurance policy. That's very important, because you may have a loved one and has Alzheimer's dementia, organic brain syndrome, ALS, Lou Gehrig's disease, they can with a power of attorney, they can get a life insurance policy. If you have loved ones with AIDS, HIV from 40 to 80. I can get you a life insurance policy up to $25,000 in coverage. You know many of you with AIDS and HIV. You know, I know you've applied for life insurance or you've been turned out. Now I have an answer for that. My name is Dawn Marquez. 702-236-2624 702-236-2624. Christine Benard a team member of your insurance connection she can be contacted at 702-857-4401 again 702-857-4401 If you receive a speeding ticket proceeding you get in most cases get reduced down to a parking ticket that's news you can use it your insurance connection you know rates are based on for life insurance. Men and women rates are different. And I've heard isn't I had this conversation? Well, you know, I man tells me what a woman is paying for life insurance. Well, statistically, women live longer than we do fellows. So our our premium rates will be lower. You know, if you're the same age as a woman, your rates is going to be slightly higher. Now they say they live I live us now. The life insurance rates go off of your age, your health. Now is very simple, very easy to you come to my office or call me and we can do everything over the phone or come in. I read the face to face I like to meet the people I do business with. I really do. I like to sit down have a conversation. You know we talk and if you from Vegas, it may take more than 30 minutes if you're in Las Vegas because we'll have a conversation about you remember when this was all desert over here? There was no Summerlin, there was no green valley. It was just sticks everywhere. It was just tumbleweeds. So we do have these conversations. There were people that grew up in Vegas, and it's quite a few people still live in Vegas. That's from Vegas. Because when I tell people I'm from Las Vegas, you know, because I was playing from where you from? Like, whoa, you know, they even surprised that we have schools when they're not from Las Vegas. Have you guys had schools here? Yes, we have schools, grocery stores everything. But you know, it's just the connection. I like to connect with people that listen to this program right here, Kate ump, 91.5, jazz or more. You know, they listen to the program they come in, I want you to feel very comfortable doing business with me. I'm a licensed insurance broker for the state of Nevada. been licensed for 27 years for home auto life insurance. If you want to check me out. I encourage you to contact the division of insurance. And my record is impeccable. I have no complaints against me. Listen, I understand what you're you know, you want to get insurance and everybody's looking to save money. You know, everybody's looking to save money. I know auto insurance rates are very, very expensive right now. There's quite a few companies and I'm gonna tell you, there are quite a few companies as pulling out in Nevada, where they have moratoriums that we can't write insurance with certain insurance costs. nominee insurance broker, I represent multiple auto insurance carriers, multiple homeowner's insurance carriers. But you know, I have to share this with you

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just yet, I had a phone call last week, a young lady contacted me, she said, I was in a car accident on private property. And this car hit me from behind. And I didn't get any information, only thing I received, I would get was a phone number. And that was it. I was in a hurry to trying to get the work, you know, and she thought someone else was going to get the information that was in a car with her from the person that hit her. And the person that hit her, it was their fault on private property. She didn't want the Lee call officers to come in. And you know, she said, Well, we aren't private property offers may not show up, or any damages you have to your car, I'll pay for them. Do not ever fall for that do not ever fall for that is reason why people tell you that. They don't want to they don't want to give you their insurance information, although they're at fault, because maybe their policy has lapsed, or they have other speeding tickets or accidents and only insurance and they don't want their insurance to increase. But no one ever fall for Hey, I hit you. I'm sorry. But I'll pay for your damages to your car. What about your physical damages? Will they also pay for that? And they won't pay? They'll just when you call them with an estimate? Okay, I went down to to Joe's auto shop, you know, and I have an estimate of $2,500. You said he's gonna pay for it are they click hung up? Because they got you, you know, they got you Na Na drive off. Now you can call them and text them and call them and text them. And you know, I had a call she called me says is there any way that you can get? Find out who this person is? I said, what do you what information do you have? I have a name and a phone number. That's it? Well, that's not that's not enough for me. Any more than that one, when you're in a car accident, take your cell phone out, take pictures of the accident, take pictures of the drug or the person that hit you driver's license, take a picture of the insurance ID card. That's very important and a driver's license. The plates? Yes, take a picture of the plates, the driver's license the plates, the accident itself, because now you have evidence. And if that person tries to pull off or you know not file if you need to file a claim against their insurance. Now that that happens far too often, many people that's in a car accident, although it may not be your fault, right? It's not your fault. You know, the first thing you do is well, this is a reason why I have insurance, you call your own insurance company. And a lot of times too, when you call your insurance company, they will put you at fault because you're filing the claim against your own policy. Although it wasn't your fault understand how this work, they'll put it down as a non chargeable at fault accident, but sit as a ding against you. What you want to do is get that information from their insurance company take a picture that ID card, the most current by the way ID card. And if you do have ID cards in your car, along with your registrations, these old ID cards, and these old registration, throw them away, shred them, get rid of them because they're no good. Just imagine, you know it's late at night you get stopped by a police officer or even in the daytime and you're fumbling through your glove box, right trying to find the most current identification card for your car insurance. Get rid of all your old ID cards, get rid of all your old registrations and all those old small checks. That's not going to do you any good. And I know people tell the police officer you know I've been with this company for a very, very long time. And you know, you have a lot of cars just sitting in your glovebox, just get rid of those old cards, most current registration, most current insurance ID card, put it in a white envelope doesn't look anything other than a white envelope with your information in it. When a police officer come have you ID ready your registration with your driver's license roll, you wander down all the way and give them your information. So you know and sometimes people want to put their information on the cell phone. I would have a paper ID card paper registration, because you don't want to give a police officer your phone and he's gonna walk away with your phone and that's your private number that's your private that your phone is very personal. You don't want to share your phone anyone especially when you open it up and then they can go through it and look at personal things that maybe you don't want anyone else to see. My name is Dan Marquez. This is a your insurance connection. 702-236-2624 702-236-2624 You know what a life insurance policy we can get you a whole life policy, a term policy, universal life insurance. Whole Life is one of the popular ones that I do offer my clients. I find that People looking for that final expense burial policy to take care of the Fallen expenses. Now with a final expense burial policy, it does accumulate a cash value asset. It's like putting money in a bank a savings account, because you know, if you put your money in the bank, today, there's hardly no interest to pay, you know, and the banks, they make money off your money, you know, they're probably getting anywhere from 10 to 20% interest on your money, but they don't want to share the wealth. You know, they don't want to share the wealth they don't. But you put your money in the savings account in the bank, you know, and there's no interest, very little interest. However, with a life insurance policy, you can three and a half percent interest on the premiums as paying into the policy on a whole life insurance policy. That means you do build up a cash value asset in a time in need, you can borrow against the policy, benefits of paid in 24 hours, whole life benefits up to $40,000 in coverage. With no health examination. If you have a family member or yourself with lupus diabetes, I can help you get a life insurance policy 702 to three 626 24. If you're on dialysis, I can get you a life insurance policy. 702-236-2624 is not never too late. Never too early rates and benefits are locked in for the life of the policy. And also we have an accidental enhancement. If you want that accidental policy, which I do like this accidental enhancement, because it includes auto accidents. If you have an accidental only life insurance policy, I don't recommend those for anyone I know seniors are targeted through well known insurance companies, and you have accidental owning, you pass away at natural causes. And that policy will not pay for your loved ones. I know you probably have a million dollar policy, and you're paying less than $10 a month for a million dollars worth of accidental. And there's a reason why they offer you that's just free money for the life insurance companies. They make so much money on his accidental only accidental only policies is just unbelievable, because they pay out a very, very small percentage, they'll probably I'll probably read at about a 99.9% profit on those policies. They vary. So I've been doing this for 27 years. And I've never known for an accidental only life insurance policy to pay off. The reason why life insurance companies and auto insurance companies have us as agents representing the company and we also represent you too as well. It's a reason for that. So we're counselors. We listen to you, to you. We understand what you're going through, we understand what your needs are, we call it a needs analysis. And we present it to the insurance company. You know, we're highly regulated, we have to go through underwriting. We're highly regulated by the state we have bylaws and laws and, you know, underwriting you know we have to adhere to. So if there's any question about my validity, you can always contact the division of insurance. And they'll tell you don Marquez he's claiming he's not no complaints against him and I only recommend you to do that if you have concerns. If you have concerns. My name is Dawn Marquez. This is your insurance connection. 702-236-2624 702-236-2624 located on the corner, Sahara Rancho. In the US Bank Center, located on the eighth floor, I would love to sit down and talk to you. The insurance companies ask the leg they are premium insurance companies with affordable rates. We all need life insurance. Don't think you don't need it. Don't think you can't afford it. We can make it happen at your insurance connection. 702-236-2624 Everybody have a great day to day get outside take a walk. You know say hello to your neighbors. Enjoy the day is going to be a beautiful day. Oh you know I love this time of the year. The weather is perfect for me. I can't do summers anymore. This is your insurance connection. 702 To 362624 You guys have a great day. Until next week, just keep it crispy. Thank you for listening

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