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 0:41
Good morning Las Vegas. This is Dan Marquez with your insurance connection. Happy Sunday morning. 8am to 830 is my broadcast show. And we talk about insurance on your insurance connection. I'm a licensed insurance broker right here in Vegas. This is my hometown. I've been in the insurance business since 1996 serving customers for a very long time and I want to thank the people from this radio program that contacted me and purchase home auto and Yes, life insurance. You know, I was watching the news and it was talking about dogs certain type of dogs on homeowners insurance policies that if you have a certain breed like a rod while or a pit bull, some homeowners insurance companies or renters policies will charge you extra for these dogs now I've been in the businesses 1996 I've never seen where they charge extra the homeowners or renters insurance companies for any type of you know rat while a pitbull, they simply exclude those dogs. I've seen it in the past I know the laws has recently changed here in Nevada when it comes to people with their pets like pit bulls and Rottweilers. But I've seen in the past where if the company will insure you with a pit bull or a Rottweiler in the household, as a family pet, they will exclude that type of dog and you will sign a waivers and you know, the insurance companies is not liable if in fact, the dog goes on bind someone. Now the laws have changed. I'm gonna keep you posted when I hear more information about it. It sounds like to me what they're trying to do here in the state is allow a person to have a pitbull and a world Wilder without charging them extra. Now that's that that can happen too. I again, I've never seen an additional fee added I've never written a policy would add an additional fee added because a person had a it's called a vicious dog list. I know some of you say well my dogs not vicious. I do have a pitbull, I do have with Ron Wilder, but they have a by history. And a lot of these claims are settled for around about $50,000 When your pet goes on by someone, and if they're not covered, you could be responsible for their injuries. So the best thing to do, you know have an insurance with you. And this is why I offer insurance review. So we can look that we can take a look at all your insurances. I know your your household changes from time to time, you may not have a dog at one time now you got another dog. And now you have to understand your dog may or may not be protected under your homeowner's or renter's insurance policy. For more information. My name is Donald Marquez, this is your insurance connection. My contact phone number is 702-236-2624 702-236-2624 my location is on the corner of Sahara and Rancho in the US bank center. I'm in the bank building located on the eighth floor 702-236-2624. I work by appointment. I've been in the business as a broker for since 2015. I started with Allstate Insurance Company. And I stayed there for seven years with my own agency. And I was recruited to triple A insurance company stay there long enough to retire and 2015. And now I'm serving my community. As an insurance broker, I can do the shopping for you. I shop pricing for you, I shop the companies for you. And the only phone call that you will receive is the company that I select for you. That's the only that's the only contact you have when you go online and put all your personal information online. And you shopping for insurance for auto insurance, homeowners and even life insurance. I know you receive a lot of phone calls you really and that they're calling you from all over because you put all your information out there. And you don't know what company is calling you. You know they'll call you say you know you put it in for a quote for auto insurance. And they'll start quoting they may or may not may or may not tell you what company they represent. You know a lot of people that have bad intentions get that information from time to time, and they use it against you to try to get in your personal information, your checking account your savings account. I don't do that I don't share the information with companies. Only the company that I select for your auto insurance, only the company that I select for your homeowners insurance, and usually after How to bundle those two together if we can, there are certain situations where we cannot bundle that may maybe you get in a better rate where you are on auto insurance and you just need your homeowners insurance with a more favorable rate, we could do that. Or if you have auto insurance policy and a homeowner's insurance policy, we'd like to combine them together is going to give you the multi policy discount, the auto discounts the home and home discounts the auto thing, this is information you can use to save money. And also if you're married. And I've seen this quite often too, as well, if you married the husband and a wife just got married, and they have separate insurance companies for car insurance. Now that's costing you more money because you cannot combine the cars and get a multi car discount. When you have more than one vehicle, you can get a multi car discount. This is why it's important to combine those policies together, you live together you married, you might as well take advantage of the marriage discount. But I've seen couples they they split the bills down the middle, you have your share of the bills and I have my share of the bills. I understand that too. We can still shop for you either way if you play if you plan to continue that path but you are paying a lot more money for you auto insurance now in Nevada has some of the highest auto insurance rates in the nation. I know some of you probably moved from another city, thinking that the auto insurance rates here in the state of Nevada is probably a little less than you were paying. With no that's not the case. Usually it's a lot more you know every city has this thing. You know I that's one of our things a car registration has delivered like a little bit expensive here. And also the car insurance rates what all the companies because of this the environment when it's a little it's a little pricey more than probably what you're used to paying. But we can shop for you. My name is Don Marquez, this is your insurance connection, my contact number is 702-236-2624 702-236-2624. Now if you move in from a different state, I've seen this quite often to you leave your registration with the state that you came from. And you want to register your car when that registration is due. However, you do have Nevada insurance, but you have registration in a in another state. When you move to Vegas, you have 30 days to reread to re re register your car in the state of Nevada. It's a 30 day log. Now if you get stopped, I've seen tickets as high as $2,500. Because a person either didn't register their vehicles, or they didn't not have Nevada car insurance when they moved to Nevada. In other words, they kept their car insurance and registration from the state they came from and they've been working here for the last six, seven months. And they haven't switched over their auto insurance in the state of Nevada, you have 30 days, which over the auto insurance and also the registration. So don't get caught because it is a pricey ticket. And again, I've seen tickets as highest when he $500 was because a person moved him in and police officers know what to ask you. Are you working? Yes. Are you retired. Now if you are for your retirees, and for people that have a different residence in another city, you can kind of get away with a little bit because you probably prices in Chicago insurance and Vegas. And you said yourself you know it's a little bit more expensive than I'm accustomed to, as long as you leave your vehicle registered in the state that you frequent. In other words, your primary you have two primary residence, you have a proud primary residence in another state. And you have a premier resident here in the state of Nevada. Now you can go and you go back and forth you drive back and forth to visit your other home. I would love to do I would love to be able to live in San Diego in the summertime. I will leave Vegas in May and come back in October. Because it's so hard. Now you know, the older I get, the less I could take all this heat. But you know there were people from you live in California that have a resident in California and also residency here in the state of Nevada. And yes, you can if you don't mind going back and forth to get your car registered in the state of California for an example, but you will still have to get the car smart in California and your car insurance and your auto insurance will be registered in that state. Now if you are pulled over, you just tell a police officer you can tell them you have dual residents and you can be a back and forth quite often. That will save you some money. Now most people are not in that position to do that. If you just move in here, you have 30 days to register your current estate in Nevada along with Nevada car insurance, I can help you with the car insurance. My contact number is 702-236-2624 702-236-2624 essentially located in the beautiful US bank center located on the eighth floor I'm love to meet you you can we can call you can call me you can come in by appointment. We can do everything over the phone if you don't want to come in. We've made it very convenient for the home and auto and also the life insurance or the life insurance companies since the pan Debian has made it very easy for us because In the past, we would have to see a person to write their life insurance policy, we'd have to see him you come in with sit down, actually a lot of questions. But now with the pandemic, we, the life insurance companies have made it very easy for us to write policies over the phone without seeing you face to face. Now, the way they do it is is they ask you a series of questions, of course, you make sure your health is in order. Now, don't ever think you don't qualify for life insurance. You know, if you have diabetes, or lupus, or history of cancer, I can get you a life insurance policy. If you know someone or yourself have AIDS or HIV, and you're 40 years young and over up to age 85, I can get you a life insurance policy. There is many people that I've helped in the past with underlying health conditions. Also, if you need a larger policy, to protect your family, and you quote can qualify for a larger policies, we offer them starting at $100,000. Up. Now, there's a lot more qualification for the $100,000 and up policies. Because there's going to be a full physical of course, a paramedic will come to your home. And whatever the underwriters require the paramedic to take blood samples or maybe body fluids, hair, and maybe even a saliva test. We never know they're going to check your heart, height and weight. But if you have underlying health conditions, and you've been turned down in the past, we can help you with a small up to $35,000 whole life insurance policy. Let's say you've been turned down because you have diabetes, or you have lupus cancer, you're on dialysis. You know, we can get you a life insurance policy. Or if you overweight and you've been turned down for life insurance policy. If you smoke cannabis, we will not smoke cannabis only. We will not rate you as a smoker 702-236-2624 702-236-2624 My name is Donald Marquez, this is your insurance connection. And I broadcast right here K u and v 91.5. Jazz and more Sunday mornings from 8am to 830. And I want to thank the people that have contacted me that purchase home auto life insurance. Thank you so much for your continued support. You know, I want to thank Ashton and also my engineer, Kevin, keep me keep my time, right. But this is a unique opportunity that I have to educate you. This is an educational show to educate you on your insurance, you pay a lot of money for insurance each and every month. And you know, when it comes to auto insurance, or even life insurance, homeowners insurance, most of you do not know what you're paying for. In other words, you don't know your coverages. If I asked you what is your life is there's what type of life insurance policy do you have? People? I don't know why they that may be term, it may be whole life. Is it universal life, you know, most people don't really know, don't really know or here's another one, if you've been paying on your policy for quite some time, and all of a sudden, now you receive a letter saying your rates is going to adjust. And you don't know why he's adjusting, because you're getting older, because your policy has an inflexible Adjustable Rate clause in it. And as you when you hit a certain age, let's say for instance, in your 70s or 65, for instance, it may be a shift in the rate, it may be a shift in the rate because now your policy when it was written in the beginning, it had a flexible premium, a flexible premium. What is that that means as you get older, that policy rates could go up. I don't like to write the flexible premium policies, I like to write a policy, you know what the face amount is, you know what your payment is going to be every single month. Now, with a term life insurance policy, you can get term insurance up to 30 years. Now, why not take the 30 years if you can qualify. And this is what happens if you a male, you're gonna get a term 30 year term policy up to age 58. Now, after age 58, you can only get a 20 year term policy. Because of the life insurance companies do cut you off at a certain age to get a 30 year policy. I tell people if you're gonna get a PA term policy, get as many years as you can afford 30 years is the max. Now after 30 years, it goes in what we call the extended term. Now if you 85 years young and you have a policy, a term policy that lasts at age 90, for instance, in a raid don't change to age 90. Now that's very few and very rare policies that will do that. Now you all of a sudden you roll into what we call the extended term. So for instance, if you take out the policy, and it ends at age 85 or age 90 on a term policy, we're talking about term and it's rare when they end today's 90 But let's say it does you because you bought it at age 60 Right you were 60 years young and for whatever reason you got a 30 year term policy usually you don't and this only occurs with women I find out and most men don't qualify for a 30 year policy. Is it a 60 But you know, you still live in, but your policy is going up, you're, you're in what we call, the extended term of the policy is going to continue to go up. Now you have to make a change before age 85. If you don't make a change before 85, now you're, you're at a point in your life where you gotta keep the insurance going is gonna be very expensive. You can make adjustments with a term life insurance policy, there's what we call a conversion clause within the term policy. Without a physical is going to be basically the rate is going to be based on your age, you can can convert term into Universal Life or term into a whole life policy. For more information, you can contact me at 702-236-2620 470 to 2362624 offered no obligation reviews. In other words, we don't, we don't charge you for review, you come in and we sit down, we review all your life insurance policies, your homeowner's policy, your auto policy, if you have multiple life insurance policies, we can tell you your best options. I see people all the time they have policies, three or four policies. And some of these policies to me don't make sense. Why did you buy this? Well, you know, I needed insurance. But you don't have res representation. When sometimes when you buy these policies, when you buy a policy by way of mail, or you go online, and you purchase a life insurance policy, you don't have any representation or even a home and auto insurance. They insurance companies have insurance agents for a reason. They read we represent the insurance companies, we understand the law, the laws, the underwriting laws with the insurance companies that I represent. And the reason for that because they want representation, because they want to voice someone you can pick up the phone and call and talk to if you have a concern about any your insurance policies, one of the most frequent calls that I get is when people lose a loved one. Here they go, they lost a loved one, they don't know they have life insurance, and not with me, because I have the home and auto insurance policies. And sometimes I can give the information they need only to the beneficiary. And now if a family member calls me and they want to know if my dad had insurance with you, we cannot find his life insurance policy, I cannot reveal that information to you only the beneficiary, or I'll give you the name of the company and have you contact the name and it will have the beneficiary contact the insurance company because the life insurance company is only going to speak to the beneficiary, regardless your kinship to your loved one and pass away they're only going to speak to the beneficiary. Keep that in mind. Now, if you need to change your beneficiary on your life insurance policy, because you lost his spouse and his his most common your spouse was a primary beneficiary, your primary beneficiary passed away before you did, you only thing you need to do is contact your life insurance company. You don't need to go to your agent for this service, contact your life insurance company and tell them you need a change of beneficiary form. I've seen that often I get a lot of calls for that, you know, my primary die and how how do I you know, add another primary or contingent beneficiary. Now the contingent beneficiary is put in place, just in case a primary beneficiary passes away before the insured individual passes away. That contingent beneficiary automatically moves up into primary position. I've seen people feel like life insurance policies, they'll have the primary beneficiary at 50% and the contingent beneficiary at 50%. This is the wrong way to fill out a life insurance policy. Again, this is why you need an insurance review. So we can correct that. Because if you pass away, it's going to be a very difficult for your loved ones to retrieve all the monies that they need to close out your estate. It is it's very expensive to close out individuals estate in this country, United States, when a person passes away, they pass on at least $60,000 in debt to close out for their family members. That's a lot of money. Even if it's half of that $30,000 To close out your estate and you say to yourself, Well, why did it cost so much money? Well, let's think about it. Let's do the math of funeral today is about $15,000 Let's say you close out your state's gonna cost 30,000. The funeral alone is $15,000. That's a traditional funeral. The opening and closing the headstone the casket the service is about $15,000. Today, about $15,000. That is a lot of money to come up at one time. And the funeral homes want all the money right now. How are you going to pay for this? Do you have a life insurance policy? What type of life insurance policy is it? Now if you have an accidental only life insurance policy and your loved one and you die or your your loved ones quickly find out that this is an accidental only policy and you pass away of natural causes. You got a heart attack a stroke? Well, they got to quickly find out your policy is invalid There's no good. But you say, Well, I've been paying on this policy for a very long time, but you've been paying on the wrong policy. Eight out of 10, people that come to see me to have a life insurance review, have the wrong policy for their needs. I'm gonna say that again. And I've seen this quite often. Again, I've been licensed since 1996, I've seen quite a bit. Eight out of 10 life insurance policies that I review is the wrong policy for you. Now, when you get a term policy by way of mail, and some of veterans, I've seen their policy, they come in, the VA offers you a life insurance policy, they do, I'm a veteran as well, but they offer you these teaser rates. They're low rates on the front end, but they are heavily loaded on the back end. In other words, you're gonna pay low costs up front for maybe a 20 year policy, and it looks very attractive for the first 20 years. But as you age and you get older, you're going to quickly find out you may not be able to afford the policy. Or if you have mail, post office work or write your post office worker, you you're getting ready to retire. And all of a sudden, now you see your benefits cut in half. But you pan on the policy, because it was the post office, they have a group rate for life insurance at the when you retire. Now you're out of the group, but you're paying out of the group rates. So your race is going to reduce the half. And when you hit a certain checkpoint in your life, maybe it's 75. I don't know it depends on your contract. But I've seen these contracts over and over. Now, if you are a union worker, you do have some type of union benefits when you retire. But if you're not continuing to pay union dues, you may lose those benefits. Let's say we're talking about your life insurance benefit. For more information, I can help you to get the right policy. Don't be the eight out of 10 people that continue to pay on the wrong type of life insurance. Let's have an insurance review, no obligation.

Unknown Speaker 21:54
My contact number is 702-236-2620 470 to 2362624. If you occasionally smoke a cigar on occasion, let's say you smoke three or four cigars a month. We can write you as a non smoker. Now only if you smoke cigars. If you smoke cigarettes, and you you know I'm smoking cigarettes and I've been smoking cigarettes for a long time. You don't want to stop smoking. That's fine. We'll reach you as a smoker. I don't get many smokers calling me Where's, where's my smokers? You don't call me but you really need it. You really need the life insurance. I mean, the cost of cigarettes today. I don't smoke cigarettes. I don't I I've seen these advertised and when I go in these stores, cigarettes on sale of 999 a pack. I'm like what? That's a lot of a lot of money for cigarettes. My mother used to smoke, and I don't ever remember her paying that much money for cigarettes. He made her transition back in 2011 August 2011. But she smoked all her life. But the cost of cigarettes today will probably if she was still living today. She would probably quit because of the cost of cigarettes. You I mean if you pay him if you smoke a pack a day, you know you're paying eight $9 A pack of cigarettes and you're smoking a pack a day. That's a very expensive in 10 days at $8 a pack. That's $180 that's $360 a month for cigarettes. If you pay a pack a day now, I know people sometimes buy cigarettes by the cartons, but look how much you spend. If you gonna continue to smile and most people want to continue to smoke. We can get you a life insurance policy that will fit in your budget maybe you can reduce a cigarette smoking that you take instead of a pack a day maybe to smoke half a pack. So now you can afford the life insurance and that will be better for your health too as well. My name is Donnell Marquez, this is your insurance connection. My contact number is 702-236-2624 70223626 to four I love January. This January is amazing. Our weather in the 60s Can you believe this weather we haven't. I mean the sunshine is out is beautiful outside, go outside, get some air take a walk, take a walk take you your loved one that maybe the family parents take or they take the children with you to get them out in front of that computer and on the phone texting each other they could be side by side texting each other. That's how they communicate did it take a take two children for a walk you know your grandchildren for a walk. It's beautiful outside right here in Vegas. We have some of the best weather in the country. This time of the year. Now in the summertime, you have to get up really early in the morning to take a walk I enjoy taking a walk here in Vegas in the summertime. But I like to go early in the morning or late in the evening when the sun goes down. But you know, in my office, I offer auto insurance, homeowners insurance yes and life insurance we can have find a policy that will fit in your budget. We can custom find a policy for you. I represent multiple law I've insurance companies up to 67 life insurance companies 12 auto and homeowners insurance companies, we can find a rate that will fit in your budget 702-236-2624 702-236-2624. We also have Christine Banaras. She's a staff member. She she does notary services. Also Wills Trusts, quitclaim deeds, she can help you with any legal services you may have. And also we have a field agent. His name is Darwin grant. If you're looking for that 35,000 up to $35,000 whole life policy for final expense. If you don't want to come in the office, or you don't want to call me over the phone and write the policy. Darwin grant can come to your home, and he'll sit down and write a policy for you up to $35,000 in coverage. My name is Donald Marquez. This is your insurance connection 702-236-2624 702-236-2624 located on the corner of Sahara and Rancho in the US bank center. On the eighth floor work by appointment only my business hours are Monday through Friday from 10am to 6pm. And on some Saturdays, I will work but I prefer to be off on Saturdays especially now because of football was going on. While Raiders didn't do too good last year. Last well last week. They didn't do too well. But you know what? I'm still I'm still a raider fan. And this is going to be interested in who's going to the Superbowl because it could be anybody's guess. I think it's going to be some websites today watching football so we'll keep it posted 702-236-2624 702-236-2624 We can find you that final expense life insurance policy. If you have underlying health conditions, the weight you overweight diabetes, a history of diabetes, history of cancer, lupus. If you own dialysis or if you have a family member with dementia or Alzheimer's, we can get you a life insurance policy. My name is Donna Marquez. We'll do this again next week from 8am to 830. Everyone continue to be safe. Until next week, just keep it crispy. Thank you for listening

Unknown Speaker 27:26
you ever 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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