YOUR INSURANCE CONNECTION

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You're listening to locally produced programming created in KU NV 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. 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 0:32
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. Good morning. This is Don Marquez with your insurance connection, along with Jessica center. Good morning, Las Vegas and all the surrounding communities. Another edition of your insurance connection. Good morning, Jessica.

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Good morning, Dan. Thank you for having me. Good morning, Las Vegas.

Unknown Speaker 1:08
Good morning. Las Vegas is early in the morning 8am to 830 rebroadcast. Right, he had K und 91.5, jazz and more. And I happen to say that I've been on the air now for about a year and a half, broadcasting valuable information to you about your insurance. Before we get started, I want to thank the listeners that contacted me and came in and purchase home auto and life insurance, I want to give a special shout out to Karen. She came in as a customer, we wrote our auto policy or life insurance and we're gonna and a homeowner's insurance, we hit a homerun with her. And she's How much do I owe you. I said you don't want to say anything. And she was really excited because we saved her quite a bit of money on auto insurance, and able to get her life insurance policies to protect her, you know, her assets and our loved ones. And she was really happy about our services. And I just want to thank you, Karen, for coming in and taking care of your business. That's what we do. Veterans Commission,

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we had a lot of listeners already this week. So that's, that's, that's wonderful. And

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I want to thank him again, you know, for coming in. And that's 2023, it's time to come in and take care of your business. We offer auto insurance, homeowners Yes, and life insurance. We focus on life insurance a lot, because a lot of you pay more for car insurance than you do life insurance, we need to balance that out to, you know, get some life insurance. I know, no one wants to talk about life insurance, I understand because at the end of that, you're going to pass on financial wealth to the next generation. But if you've never received a death benefit, what's wrong with that? I mean, it's a good thing to pass on generational wealth versus generational debt. In this country, the average person that passes away leaves a debt behind about $65,000. in debt, you leave your family members in debt, you do need a life insurance policy and just don't say you don't care, you should care, because you know, someone has to take care of your final expenses, aid gets very expensive, very quick.

Unknown Speaker 3:07
We one of the things I wanted to mention is some of the benefits that come along with life insurance. Especially life insurance, when we talk about, like inherited or a company that we are featuring today. You know, some of the benefits are the benefits are paid within 24 hours, you know, after

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after a loss of a loss of a loved

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one. Yes At

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a moment, right? Yeah, I had one of those two weeks ago.

Unknown Speaker 3:39
Yes, definitely. So yeah, benefits paid within 24 hours, whole life benefit up to $35,000 in whole life is meaning a permanent policy, meaning something it's not term is not going to end. It's going to last you to 95. So yes, we have that no health examination to apply. It's literally just a few questions, come into the office, we'll do a consultation with you. Easy one page application. So this is something that you know, you come in, we'll customize it for you find the best affordable rate for the insurance to last for your lifetime, and coming to take advantage of this insurance. It's

Unknown Speaker 4:22
a good policy to have when you have underlying health conditions. Now it's up to $35,000 in whole life, if you have been turned down for life insurance do not give up. Now, the reason why people get turned down because they have underlying health conditions. As Jessica mentioned earlier, less less who taught let's talk about those underlying health conditions of people with diabetes. You've been turned down for life insurance. You know, because you're a one C may be over seven, and you've applied for life insurance from several companies and got turned down from several companies. We can help you get a life insurance policy up to $35,000 in coverage. If you ever history of lupus We can help you get a life insurance policy up to $35,000. In coverage, something is better than nothing. When you get turned down from these life insurance companies, we have companies that will write you there's no health examination to apply that just just 12 questions that said there yes or no answers. Do you smoke? Yes or no? Do you have diabetes? Yes or No. Even if you do have diabetes, that's not a quick denial is not. I will say, most of my customers with diabetes 99.9%, people with diabetes, get insured on this policy up to $35,000 in Whole Life coverage. And the benefits are paid to the beneficiary within 24 hours with a death certificate. That means with your death certificate beneficiary, after the funeral is paid for, you can file for the balance of the money on the life insurance policy, get that sent out to you within 24 hours, you get a check mailed to you or you can get a direct deposit to your account. Now, it may not sound like a lot of money, but it's bad. Something is better than nothing. Could you've been turned down. You've been turned down we have the right. insurance policy for you with underlying health conditions. A history of cancer stage one, stage two, right? Correct. stage one, stage two. You know, no matter what weight you are, how heavy you are, how tall you are, we can get you a life insurance policy. Our contact number is 702-236-2624 702-236-2624. Located on the corner of Sahara Rancho, in the US Bank Center, located on the eighth floor, we're here to help you. I know a Sunday morning you can call me I'll answer the phone 702-236-2624 702-236-2624. If I don't answer the phone, leave a message. I'll call you back. Sometimes I'm sleep eight o'clock in the morning, because this is a pre recorded show. And hey, what about those cops? What about those cowboys? I almost had to COP. That's a bad word. What about the Eagles and achieves I liked the Eagles? For the Superbowl, we'll see. But I want both of my bets. Yay for me. But you know, it's hard to win bets, and betting on football or anything. But I was fortunate enough to win both of my small bets, I bet a couple of friends just to test a friendly bet. And I won. But I think the chiefs in the in the Eagles, that's gonna be a tough match. As long as mahomes is healthy. And I think the thing is time for the Eagles to win a championship. I really do. That's been a long time for them. But that's my thoughts. This is your insurance connection. My name is Dan Marquez, along with Jessica. Jessica, you know, being a member of your insurance connection, a team member of your insurance connection, you know what I what I take my time with clients, and you see what I do. The quality time we spend with our clients is at least an hour and a half to two hours. We want to know what your health health condition is. We want to know what medicines you're currently taking. And that's important, and the reasons why so we can place you with the right insurance company. Beyond that,

Unknown Speaker 8:13
you know, it's educational as well. I think that the insurance jargon that we kind of see and the different terms, explaining the policies, they all mean something different. And it's important to understand the policy and how to enact it when it's time when it's time to utilize that death benefit. So that's one of the things that I think is such a huge value. The fact that you really take time to understand someone's situation and break the their policy down to them, and then move on to Okay, well, this is how I can assist you or even in one case that I've seen, let them know that you have a great policy. You know, I don't think that there's anything out there that can top that. So keep that but really take advantage of having a professional that you can come to trust has years in the business to get an understanding of what's going on and with your benefit as well as to educate your your beneficiaries. Life insurance

Unknown Speaker 9:15
is also a living benefit. Now if you have borrowed money from your life insurance policy, because you have a universal life or whole life, you know, we we will take a look at that maybe we could find a way to clear that debt. And I've said this on the show before if you listen to my show in the past, if you check out a couple $1,000 to typeset you take out $2,000 And you haven't paid that $2,000 Back in the last seven years. That $2,000 Now can double to $4,000 It's called a rule of seven because when you borrow money against a life insurance policy, it is a living benefit. It is a living benefit. It will help you at a time and need financial need to borrow money and keep in mind you can only borrow money from a whole life policy with a cash value plan. asset to it. And also a universal life insurance policy. Now there are indexes out there. We don't offer index life insurance. But we do offer a whole life Universal Life and term. term has no cash value asset. Now with the borrowed money from a life insurance policy, the weather, whatever amount that you borrow, if you haven't paid it back within seven years, over seven years, you could own double what you initially borrow. We can help you sort through the paperwork, certainly sort through the uncertainty uncertainty of what do I have, most people do not know what they have? Believe it or not, they play on a life insurance policy, monthly, auto insurance policy monthly, it don't know the coverages pay on a homeowner's insurance, homeowners insurance policy monthly, and do not know what the coverages are. I don't know, it's a broad statement on the auto insurance is saying I have full coverage. But what are those coverages? We're at your insurance connection, as Jessica stated, I break it down to let you know exactly what you're paying for. That's important to know what you're paying for. Right? I mean, I mean, why would you? I mean, people pay hundreds of dollars a month for car insurance. With no life insurance. What is more valuable asset you have? I mean, I know you have to have car insurance to drive the vehicle, but we buy nice cars, right? We buy nice cars, and we pay a premium for that life. I mean on that auto insurance, but how much life insurance? Are you paying? Are you paying double or triple amount, then you work for life insurance. Let's make a balance. Now have your cars I say it's okay to have those nice luxury cars or what sports cars or whatever you like to drive that that truck is jacked away in the air. And you know, you can't I mean, those trucks are so high I almost got hit one time by one of those trucks going into the DMV. Because the guy was so high up in the air. I was I was going into dealer he didn't even see me because the truck was like so high. The hood was over my head. Yeah, I don't get it. But he finally I guess he saw my hat and stop. Yeah, he's on my hand. He's Oh, I'm sorry. I'm sorry. But but you know, this is why you have insurance. Because of the what ifs. People asked me, okay, if I if I buy a term life insurance policy and the term runs out, do I get received my money back? No, you do not because you were protected during that period of time. No living benefits with life insurance is if you were to pass away. During that period of time your beneficiaries would have received that benefit. A tax free benefits tax free benefit, we can help you at your insurance connection, we offer life insurance, not only the $35,000 policy, we offer the whole life policy with people with underlying health conditions, a history of lupus cancer, stage one stage two cancer that's being treated, we can still get your life insurance policy. If you have a loved one out there on alcohol or drug abuse, we can also get them a life insurance, husbands probably don't want to come in half the time they always make an excuse the game is on something's going on. I gotta cut the grass that was making excuses. The wives I'm gonna tell you right now, you can get a life insurance policy on your husband or vice versa, the husband can get a life insurance policy on the wife, you can be the owner of the policy, if you choose to do so 702-236-2624 70223626262 for context for more information. We're here for you located on the corner of Sahara Rancho, in the beautiful US bank center located on the eighth floor business hours of Monday through Friday, from 10am to 5pm. We're here to help you better understand your coverages and hope we can save you some money on that car insurance and get yourself some life insurance, too. It's a gift of love to protect your family.

Unknown Speaker 13:52
Definitely. And one of the things you mentioned earlier about preexisting conditions we still are affected by COVID-19 A lot more people have medical conditions that might cause them to not be able to qualify for you know a different type of policy. So, you know, being able to cater to any condition is really valuable.

Unknown Speaker 14:15
Well if you have HIV or AIDS, we do have companies that will get you a life insurance policy 40 years up 40 years and younger, older it's gonna be 40 years and I had to think about that for a minute because it's been a while since I wrote 140 years and older we can get to a life insurance policy now what the $35,000 whole life policy is from age one to age 85 In order to protect you to age 100 To protect you to age 100. So if you have underlying health conditions in your under 50 years young, do not give up we can get you a life insurance policy at your insurance connection. The phones are open it's Sunday morning. Beautiful day in Las Vegas. I think this time of the year we always have beautiful days whether it's raining or because we don't have that snow, you know coming out of the front door when the snow was like 10 feet tall and you have to shovel it out and we don't have that kind of weather we

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do with some wind you know, it's been cold seen a few snow flurries the snow

Unknown Speaker 15:15
forever, it looks great on the mountains to me. I love our Vegas weather this time of the year, you do Oh, but the summertime, I don't go anywhere I just stay in the house, it's just way too hot. For me. It's just way too out. I mean, it's like 117 in the shade 199 Out of the shade. I mean, you just can't get relief. I love when I ended October, this time in the UK where a nice jacket a scarf. If I want to wear a hat, I can wear a hat and enjoy the beautiful weather in Las Vegas, Nevada, get out and take a walk, you know, get some fresh air in you when the wind blows it just getting rid of all the pollution. And just cleaning up beautiful city up. You know, so many exciting things has happened in Las Vegas, I've seen this town grow. And it's constantly growing people that's coming in from other states, I know you probably get car insurance shock when you come here, because our car insurance rates probably a lot higher, that little small quaint town you came from, or that large city that you came from, let us do the shopping for you. If you go online and put all your personal information online to shop for insurance, you will receive a lot of phone calls, we don't share your information that your insurance connection is between you and your insurance company. We select for you 702-236-2624 Give us a call. But we're here to help you better understand your insurance. This is your insurance connection. All

Unknown Speaker 16:43
right. So another benefit that I wanted to mention is the family support services through Guardian society. And I think this is such a valuable benefit for the family to be able to what they can do you call if you're kind of overwhelmed by the decision making process. They can shop, you know, funeral homes or whatever cost you're looking to maybe get a few estimates on, they can assist with that just to someone there to answer the questions that you maybe don't even know to ask it. And I think that's such a valuable service that comes along with the benefit of having one of these policies that we can align you with

Unknown Speaker 17:28
with your insurance connection, we represent a company called Lincoln heritage Life Insurance Company. This is the policy that with no health examination required. There's only 12 health questions we ask. Let's let's go down a few of these questions. These are some of the questions I will ask you with is up to $35,000 life insurance policy. And most of you do qualify Okay, here here's number one disease of the heart including heart attack, heart surgery, congestive heart failure, that's a yes or no answer. If you don't have any of those conditions, so no disease of the circulatory system, including stroke, aneurysm, or been advised to have surgery to improve circulation. And if you say no to that, okay, now we can you qualify for the insurance, we're going to ask you a question number three cancer other than basal cell skin cancer. And if you say no to that within these questions within the last two years now, within the last two years, do you have Alzheimer's, dementia, kidney liver disease these are yes or no questions we can get you qualified simple questions. Only thing you sit back, relax, put your tray in upright position, you know, you know, relax, I'll answer the questions, you know you will you sign the computer screen. When we're done your policies mailed to you in the mail, then you're going to bring a call me back or Jessica back. And then when you bring your policy and we're gonna do a full review, we're gonna go over your policy line by line as insurance professionals to protect your privacy. We do not keep the duplicate policy on file, I don't have access, I can't call up and make changes on your policy. Only you can now you can select your primary beneficiary. If you choose to have more than one beneficiary, we can help you with that to your contingent, you can select the due date between the first and the 28th of the month. Now, let's say you cannot make it in our office Monday through Friday. Or you have a condition where you just don't drive or you know, Jessica can come see you. You don't mind going into their home.

Unknown Speaker 19:31
I don't mind go into their home. Oh yeah, definitely.

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Because I don't go I'm just I just I'm too busy in our office. I can't I mean because I have customers. But if you're available, Jessica can come to your home to help you. With the policy up to $35,000 in whole life. You can select the due date between the first and 28th and the way you pay your policy comes directly out of your checking account. Most people get paid around the 15th to the 31 As the other month, we can make it happen for you get your insurance connection, you just make one monthly payment to initiate the policy. And we'll get you going most people qualify for day one insurance with a final expense life insurance policy. If you don't qualify for day one insurance, meaning you're insured to day one, we do have other options. 702-236-2624 702-236-2624. Jessica, sometimes, you know, people are raising a grandchild. Correct, he doesn't have a 17. Or if you have a child and you have an underlying health conditions, and you have a child that's under 17 years young, we can add that child on as a child writer, when that child turns 25 years young, they'll spin off with their own life insurance policy, hopefully, they'll continue to pay it, or you have the option to continue to pay it for him. I'm still paying one on my children's, they've grown people, and I'm paying on my son's policies I am. Because if I given them their policies to them to pay them. No, that's not gonna happen. The policy, I'll get a letter to you, Mr. Marquez, your policy is because I'm an owner, your policy is lapsing. So I bought these policies whenever young. And if I give either my son and I have two boys, as a years or policy, you pay on them, you know, three months down the road, I receive a letter.

Unknown Speaker 21:19
But you know, there's added value to that as well, because they're getting a policy at a young age. And if it is a permanent policy, that means they're going to, you know, have that lower premium for life. And

Unknown Speaker 21:31
they do Yeah, and they change. It's a whole life policy on both of them. And you know, I've experienced like, I've experienced life where I've received death benefits my mother passed away in 2011, I received a death benefit because I was paying on it, you know, and I net money came in handy at that time in our services, she only had $15,000 worth of coverage. When she passed away, but she had my mother smoke, she had a lot on the outline health conditions. But something was better than nothing. Now that money did come in handy. And then when my wife passed away over five years ago, of course, it allowed me to continue my lifestyle. Yeah, I'd have to abruptly sell my house, move my furniture out, get a smaller home, it continued my lifestyle and it continues to help me today. A life insurance policy is a gift of love. It's a gift a love, listen, when we when we leave this earth, we're still responsible for our loved ones, whether we're here or not, we can help you make the valuable decision to secure your family's financial future with a life insurance policy look at it as a savings account. Yes.

Unknown Speaker 22:33
And and we've mentioned before, some people looking at, you know, maybe $35,000 Like, oh, you know, that's, that's, that's too much. That's over the amount that I need. But there are additional expenses. You know, we talked about that the additional expenses that a loved one might have to travel into town, the flight time away from work to come in and handle the affairs. Maybe there's a mortgage, you know, bills, furniture, clothing, cars, you know, there's a lot of decisions to be made quickly. You know, a lot of times there's a two or three week gap, and you know, it's time to have a funeral and have everything done. So on top of the grief, you're having to make all these decisions.

Unknown Speaker 23:16
And what about the stress? Oh, yeah, the stress that is, you know, this is another thing when you lose a loved one is very stressful, especially when the financial part comes in. Because now you have to make arrangements at the funeral home. And with the consumer garden society that you were talking about earlier today with a whole life policy from Lincoln heritage, life insurance company, the Family Support Services is there for you at time and need at time of need, you will contact a funeral consumer garden society if you have a policy with us through Lincoln heritage Life Insurance Company is no is no additional fee to the insured or at time of need for the beneficiary. They will make arrangements for you of you to upset upset to make arrangements, they can help you through the process step by step, they will shop you for you into the best value in the community. In other words, they'll call the different funeral homes and you tell them exactly what you want. And they'll find the best value for the funeral for you. It's a it's an emotional decision you have to make, you don't really have time to you know, take the remains from one funeral home to the next. This is what the family support services do at the consumer Guardian society, the funeral consumer Guardian society. When you have a policy up to $35,000 with Lincoln heritage life insurance company, they give this extra step to help you through the funeral process. To reduce the cost of your funeral. This is what they do. However, when you receive your policy initially you do have to sign up. You do have a wish list. And it's good to have a wish list because Jessica some people don't want to be cremated. They want full burial or they may want to be buried back at home where they grew up at There's a lot of decisions have to be made. Sometimes family members disagree with the decisions that's made, the one is talking to allow this has no money. The one is saying, oh, you know, just talking to allow this? Or don't want to do this? Or, you know, why are you doing that question and everything everybody else is doing. They don't have any money. You know, someone has to make the final decision, it could be you listening to this program right now, maybe responsible for your mother, your father, your grandparents, let us help you make the right decision. Now, to get a life insurance policy. Let's chip away to slowly 702 to three 620-620-4702 to three 626 to four, my name is Donna Marquez, along with Jessica Center, where insurance professionals you've been licensed since 2005. And since

Unknown Speaker 25:51
2005, listen, see, I

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didn't miss you do. And I've been licensed since 1996. You know, I love what I do, I love to meet you, I really enjoy being an insurance professional. It is the right business. For me.

Unknown Speaker 26:04
It is it is it's such a fun job, I think, to meet someone new every day, I consider it a privilege to be educated in something where you can help someone and kind of alleviate all of the concern or the anxiety that comes with making decisions and you kind of don't really know exactly what you're talking about. So to go to go to a you know, to office and be able to have someone say Oh, this is that and help you make a decision. I think that's wonderful, you know, said have a kind of a consultant. Now,

Unknown Speaker 26:44
we are consultants, this is this way that we consult. However, if you come in with your own life insurance policy and your car insurance, and we review your car, your home, your auto, and if if you need to stay where you are, I'll let you know where you stay where you are. And you still don't owe me any money. There's no obligation for an insurance review. This is an insurance review. That you it's good to get a checkup. Yes. Once you get your body checkup, it's good to get your insurance policies. It's good to get a checkup to make sure in 2023, that you're not paying more than you should there's opportunities out there. And I know somebody Well, you know, I like to stay put. I've been with my insurance company for many, many, many, many years. Right? We just had that happen. We did. We did one I've been with him for a long time. And all of a sudden, I can say that much money. It absolutely it cut her life insurance premium in half the money we saved her. Karen on her own early on auto insurance. Yeah, it was half what she was, I mean, it was so much money we save for that with the life insurance. I mean, with the auto insurance, it reduced the cost of the life insurance, when you look at the total budget, the total budget when you look at the total budget like wow, that cut my life insurance. And so it makes it more affordable at that point. And it gave her the coverage that she needed. Yeah, absolutely. And we can get to the coverage that you need to everybody needs life insurance. Everybody needs life insurance, that's gonna be a time when we're born in a time when we go no, when we go, you know, we can't go it's and there's no money to be spent. Now, if you really, really, really, really good with your money, and most people are not, that's different, but it's very rare. And you know, people say, Well, $35,000 I can say that? Well, you haven't saved it to this point, right? Because things come up, the water heater breaks, the car breaks down, you know, you have to pay these bills, and all of a sudden you see an increase in your gas bill, or you know, someone else and someone else passed away. Yeah, Chip and pave it up, you know,

Unknown Speaker 28:39
and listen, you know, do this now, do this. Now, don't don't put it off for later. You know, take care of it now. Because you really don't know what the future holds. We can't We can't say what's going to happen in the next six months. So take care of this have that reassurance that you know exactly what's going to happen and what everyone knows what your wishes are.

Unknown Speaker 29:01
It's better to be proactive than reactive. Absolutely. This situation. There are situations out there family members are trying to go on GoFundMe, asking family members and friends for money where this individual should have taken care of their business while they were alive. We can help you 702-236-2624 702-236-2624

Unknown Speaker 29:25
My name is Donna Marquez and I am Jessica Center.

Unknown Speaker 29:28
We are your insurance connection and we broadcast right here Kailyn The 91.5 Sunday morning from 8am to 830. Enjoy your beautiful Sunday morning. Tune in next week for more information about your insurance until then. Just keep it crispy. Thank you for listening.

Unknown Speaker 29:50
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 Nevada Las Vegas are the Board of Regents of the Nevada System of Higher Education

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