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. 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.

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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.

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Good morning Las Vegas. My name is Dan Marquez. Welcome to another edition of your insurance connection hosted by me Marquez. Yes, that's me. We broadcast right here Sunday morning from 8am to 8:30am. Grab your cup of coffee or your favorite beverage and just pull up the chair and relax and you know learn something about insurance. So I offer auto insurance, homeowners insurance, rent, motorcycle insurance, renter's insurance and boat insurance as well. But I love to talk about life insurance. But before we get to the life insurance side, I want to thank the listeners that came in on the appointments and purchase home auto and life insurance. You know people in the community listen to my radio talk show here at K u and v 91. Five, and they come in with a lot of different questions. What can I do? If you know I'm buying a car and I purchased the vehicle and I find out the car has damages to it? Well, you can always go on these different car websites to look at the car history they are called Carfax then you can look at a vehicle before you purchase the vehicle because there are times when people go out and purchase vehicles and unfortunately, they found out right away that the vehicle they purchased from a private owner or even sometime from a car lot was totaled out damages that total vehicle out it could have been an accident that the vehicle was repaired, you know to look good. And but when you find out to purchase insurance on it, some insurance companies will not insure a total loss. In other words, the car was a total loss for whatever reason maybe it was a flood or, or a wreck. But the insurance company decided to pay the person off that own the car. Now the person that you know sold the car to these wreck. You know these people that take wrecks and they repair the wrecks and they make them look good. paying them up shining them up, put new wheels and tires on them. And they look real good until you quickly find out when you're trying to purchase car insurance that the car is a total loss. Now on those vehicles a lot of times insurance companies or car insurance companies will deny coverages on those vehicles because they're deemed unsaved you know, before you purchase a car, it's always good to run a CARFAX or you can go to the dealership and ask the dealer I want to see the Carfax now if you're looking to purchase a vehicle from a private owner a little bit more riskier there. Of course with a private owner in the state of Nevada, you don't pay the taxes when you go to register the vehicle that's that's a plus in your favor because you do save quite a bit of money. However you want to check them out just make sure the mileage is accurate because sometimes you know people find ways clever ways to roll the mileage back. All this information will be on your Carfax I don't know what it costs to purchase the Carfax but you know these vehicles that have you know in the 10s 10,015 $20,000 it is worth get paying whatever it is $100 or whatever it is the price may be I don't know to purchase that Carfax to you know make sure there's no mechanical failures make sure there's the car wasn't a total loss. And you can also see the history on the vehicle Where's originally purchased, how many owners it has, and had and how many miles accurate miles are on the car. This is News You Can Use because when you try to insure these vehicles, the insurance company if it's a total loss, or partial loss, they may or may not accept the risk. Now sometimes they'll say okay, there was a partial loss. We will not put collision comprehensive on this vehicle but you know, we will insure it for liability only. And if you're financing the car that's not going to be in your favor. It's always good to contact your insurance agent to let them know that you're purchasing the vehicle. ran the vehicle identification number along with all your personal information Of course it takes to get you a quote, and then you can find out immediately whether the car is a total loss or not. My name is Dan Marquez for more information. My contact phone number is 702-236-2624 702-236-2624. My Location is in the heart of a beautiful city, located on the corner of Sahara Rancho, in the US Bank Center, located on the eighth floor, our work by appointment my business hours are Monday through Friday, from 10am to 5pm. And some Saturdays I will work because I know a lot of you work during the week, and probably have those hours from nine to five and you can't make it in. And if not, we can always do business over the telephone. I do a lot a lot of business over the phone, I would love to meet you. But you know for convenience, we could do business over the phone. I can offer auto insurance, homeowners insurance, renter's boat motorcycle insurance, yes, and even life insurance over the telephone, buying a car a pre owned vehicle. As always, you know more people more people now buy pre owned cars than ever, because of the price of the new cars. And if you are leasing a brand new car, I can ask the Edison if you are looking to lease a brand new vehicle, the leasing companies want you to carry on your liability portion of the other auto insurance 100,000 per person 300,000 Each accident to cover your liability now your deductible may only can be up to $500 or sometimes they will allow $1,000 deductible. Now you're more than likely your finance person and finance will not tell you this information. It is in your contract if you're looking to lease a vehicle you need to ask the finance person do I have to carry higher limits of liability? Now there are from time to time. Some of these dealerships are will allow you to carry the lower limits of liability, but you know, 100,000 per person 300,000 Each accident $100,000 property damage, let's say what a deductible of $250 on comprehensive and no I'm no more than $1,000 on collision with rental car and towing and labor on the policy. And you know that that is considered partial full coverage. And now when I say partial full coverage because you're not carrying medical you're not can uninsured motorist and Southern Nevada or anywhere where I drive I would not drive a vehicle without the uninsured underinsured motorist coverage. And what that covers you for is when a person hit your vehicle, without any insurance or not enough car insurance to cover you and the passengers for bodily injury. It covers for medical expenses, although you may have medical on your job, but you carry medical insurance, the uninsured, underinsured motorist underinsured motorist excuse me covers for bodily injury, it covers you and the passengers in the vehicle. Now let's say someone hits you, and they don't have an you don't have the uninsured motorist, you cannot file a claim under the bodily injury portion of your auto insurance policy. It is for your liability against others. And also it will protect the passengers in the vehicle as long as they're not listed on the auto insurance policy. The bodily injury is not for a person as listed on the policy, or the the insured. My name is Dan Marquez for more information 702-236-2624 702-236-2624. Now the medical portion of the auto insurance policy COVID That's like I said as medical, it covers medical now the paramedics if they have to come pick you up from a car accident, it'll cover that expense, you know, and the medical, sometimes, you know, it starts at 1000 and go up as high as 25,000. But for the most part, the medical is anywhere from $1,000 to $10,000. And my practice and all the many years I practice car insurance and I call it a practice since 1996 I guess I can call it that. But people really don't carry the medical because they'll tell me Well, I have medical on my job, or I already have medical insurance. I have Medicare. I don't need the medical and that's understandable. That's understandable. It is an option. Now when you say you have full coverage if you don't have medical, you know that that that's not fully covered. Now collision and comprehensive does put you in the category of covering for damages on your vehicle, but when people say Oh, I have full coverage on my car. That means that tells me you have every single coverage that the insurance company offer. You know, insurance there are certain situations where people don't understand the coverages. Now we pay for car insurance all the time. Every now or if you pay it every six months or once a year, there's a lot of moving parts with it. You know, don't don't think because you've been with your company for a very long time, that you may or may not be getting the best deal. Sometimes you know, it's good to shop. If you don't have any tickets or accidents in the last three years, is a good time to to to compare rates. You know, comparing auto insurance rates is not a bad thing to do when you put your information on a website, looking for car insurance coverages,

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you know, you're sharing your information with a lot of people that sell leads, they sell lease, lease, or insurance companies, and the insurance companies that rent and turn to sell their leads to their insurance agents, or they have leads, companies that buy all these leads up when you put all your information online. And now you receive all these phone calls, you get very, very frustrated. When you contact me, I'll only share your information with the company that we select. Back when I pull up a company's auto insurance companies, I know what carry carry you to go to. So if you tell me Well, I've had a couple of tickets and a couple of accidents or you know, I've had a speeding ticket in the last, you know, few months. And you know, when you do get a speeding ticket, a team member on my team, Christine Banagher can help you through the process with a speeding ticket, she can help get it reduced down to a parking ticket. Christine Bernard is a paralegal she is a team member of your insurance connection, we work well together, she can help you get that speeding ticket reduced down to a parking ticket. Also, she can offer a power of attorneys if you have a family member that needs a power of attorney to make. So you can make all the financial and medical decisions. Christine Benard can assist you with this type of service. She also does wills and testaments and promissory notes, or demand letters. And she can also help you with your resume. With your resume, you know help you get a job. My son just recently used our services. And he landed a job on his first interview. And he's going to be an insurance agent for AAA insurance. I'm really proud of him. He's a dad, I'm gonna take over the business one day and I said you know what? You go ready, it's on? We did. He went to insurance school online today. Back in when I went to school back in 96. You had to go to the classes, you know, online was not offered at the time. Neither do I would want to I wouldn't not want to do it online. I rather be in a classroom because you know, insurance school. People ask, ask a lot of questions. But he went online, got it all done in today's society is a little different than when I went to school back in 96. But he got his property and casualty license to sell home and autos. And also his life insurance license only, you know, continues to sell to my son. And one day he wants to take over the business and allow me to retire. But in the meanwhile, for the next few years, I'll still be working, I enjoy what I do, I really enjoy offering insurance to my community that I was born and raised in, went to school here at Valley High School and UNLV I do enjoy what I do. Now, if you're looking to do something to change careers, you know, because you just you know, you had a job that doesn't pay a lot. The benefits are minimal. You work a lot of hours during the day, you know, and maybe you in an atmosphere where people smoke, and you'd like I can see every time I go to work, you know, and I'm not a smoker, and I go in this atmosphere was a lot of smoke, people are smoking cigars, cigarettes pipes, and you get you get off from work and you smell like cigarettes, you smell like tobacco. I've been I've been in that environment before working in that environment. And you can never get the stench out of your clothes. But in the insurance business and the insurance business you work around professional people, if you're looking for to change your career, if you're looking to change your career, why not look at the insurance business now, you don't necessarily have to be an insurance agent. You know, we have claim services, we have customer service. You know, there's a lot of different divisions within the insurance industry. And if you'd like to you can relocate, they sell, they sell insurance all across our country, everywhere. So if you need to relocate, you can relocate and you know, what's your experience, and it's not hard to find a job. You know, in the insurance industry is looking for people qualified people all the time. What are your qualifications? Now if you're looking to offer insurance like I do as a broker, you will start off as an agent and you would go through your their training program, the insurance company's training program to learn all you can about the procedures or you know, in putting quotes in the computer and quoting people, car insurance homeowners life insurance, you learn how to quote and then they will just you know tell you about the rules and regulations of what they offer. within the company. Not every single insurance company have under writing guidelines that you know, you have to be accountable for when you write a policy, you in a fiduciary position of trust, when you write insurance, now I don't take any payments in my office, I don't, I set a bare everyone that I write a policy for on EFT, that means that the payments will come out directly out of your account every month, you know, good people, like, you know, and it's surprising when I started being a broker, you know, people used to come in my office is I want to make my car insurance payment, I want to pay cash. And I tell them, No, we don't, I don't do that in my office, I don't take any money at all, for any type of product, I'll set you up with the banks. And, you know, they'll pull the money out of your account directly direct withdrawal, and that makes it easy for you, you don't have to get in your car, and it's summertime driving to my office and, you know, making your cash payment. I don't I don't do that anymore. You know, everything is set up electronically. And you know, as a young insurance agents, you'd learn the business. But you know, and learning the business as a young insurance agent, you learn how to to utilize your time for production, you know, taking in payments as a service task, we all had to do. But you know what today's technology, we make it very easy, very simple for you. And it's convenient, you know exactly when your car payment is due, you know, just to check mark on your calendar, when that payment is going to come out. And if you go paperless, though, you know, the insurance companies will notify you when your premium is coming out. Or if they try to pull money from your account. And they quickly realize that your money is not an account, and they'll notify you quickly. So you can put some money in the account. So you know, your car insurance can be paid. Offering car insurance is again, part of the insurance industry. But if you're looking to change your careers, again, we have claims offices, customer service management, we have marketing, I mean, there's the list goes on and on in the insurance industry, or have you just graduated from college, you know, and you don't know what to do with that degree. Why not look into the insurance business. They're always looking for qualified people for upper management. My name is Don Marquez, I love what I do. I love talking to my clients that come in and listen to this radio program broadcast right here, k u and v 91.5 jasm or Sunday mornings, from 8am to 830. You know, if you've, you know, listen to this broadcast. Hopefully you before listening to this broadcast, you got out and walked in the morning. I like to get up in the morning, early in the morning between 630 and seven and walk in my neighborhood. It makes me feel so much better. And you should too. You No, no, no, sometimes, do it tomorrow. Do it the next day. Don't procrastinate. Just get up and do it. Just like Nike says just do it. That's a good slogan. Just do it. And you find out quickly how it makes you feel much better. You know, even when you go out and you had a few drinks, and you say, Oh man, I got this hangover. Feel that great. But if you get out and walk about a couple of miles in your neighborhood, you'll feel much better. It's a good way to cure a hangover when you get out and walk around. Now this is a pre recorded program. And I hope our Golden Knights you know they're doing well the Stanley Cup is just in their grasp. I hope they won I broadcast this program pre as a pre broadcast program on Wednesday, two o'clock right here at KU envy. So, you know, but and we broadcast on Sundays. So hopefully our Golden Knights had a victory. And you know, we got the Golden Knights. The lead, Aces are starting to play their basketball and hopefully I get to go see a game. Watch the lady aces the champions. Lady aces and man Hey, man, maybe we might have two champions coming up pretty shortly I Raiders you know we go. We're gonna put our hands on our raiders and we're gonna be okay. It's just gonna take a little while you know, we're gonna have major league baseball and one day we'll have a basketball team. We'll have all the checkpoints checked off with all the major sports but in the meanwhile let's work we have let's get out and support our teams. And you know, enjoy Las Vegas in everything it has to offer. And what else do we have to offer it your insurance connection? That's the name of my business is life insurance. So

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we talked a little you know briefly about auto insurance because people you know, they're buying cars. In the summertime this time of year people buy cars right after tax season and they go out and purchase vehicles but you know, the money you spend on purchasing cars with the car payments today. You know you can buy a life insurance policy you know, I know everybody wants to have very nice SUV that costs a lot of money. But you know, maybe maybe that that brand new shiny SUV is not what you need. And your family right now maybe you can buy something pre owned or a lot less money and then spending 50 to 60,000 $1,000 on a car, maybe you can say this up, you know, that's a lot of money for a car, and it is a lot of money for a car. You know, I don't get it, why it costs what it costs too much. I mean, some of these cars almost as much as a condo these days, you know, some of the high end cars expressly. But what you can do is, you know, and not getting the high end car, maybe you can find some with all without all the bells and whistles, the priorities in Vegas is have a, you know, air condition, you know, music, and electric windows, and everything else is, you know, optional. But you can get a vehicle, you know, maybe something a little less and get yourself some life insurance. That's not hard to do get yourself a life insurance policy. And most people that I've talked to in the many years of insurance, business I, I've encountered one thing that's consistent, that people pay more money for car insurance they than they do for life insurance. That's consistent. And I'm gonna say that, again, people pay a lot more money for car insurance than they do for life insurance. Now, a car depreciates, you know, 2020 25%, as soon as you pull it off a lot, it's a huge depreciation, whether it's a premium car, brand new vehicle, you lose a lot of money, it is a losing proposition, and you pay interest on top of the payments that you're making every single month, right on car, on car payments, with life insurance, it accumulates interest on a whole life or universal life insurance policy, it doesn't depreciate unless you get a decreasing face of my policy, which I do not offer. But it will protect you and your family. When that day comes. And it comes for each and every one of us listening to this program. Each and every one of us it does happen, you know, when families come to me, and they thanked me for offering life insurance to their father or their, you know, their mother, or, you know, just their family members, thank you so much for having my family member to come in your office, sit down with you and go over the policy. And, and, and lost a family member, they passed away, and now they have a life insurance policy to take care of those final expenses. No final expenses can get very expensive, on average anywhere in the United States. You know, it's about $60,000 to close out a person's estate. And it adds up very quickly, a funeral is gonna cost you about anywhere from 15 to $20,000. That's, that's that's, that's, that's, that's a third of 60,000 already $20,000 for a funeral. And some people want to be buried in other states. And that's an additional cost because they're not going to transport the remains what our President remains here first. So you know, you live in Vegas, really, you lost your mother and Vegas, but she wants to be transported to her state that she grew up in. Other than Vegas, you don't want to be where to Vegas, I my family have plots, you know, somewhere somewhere in the in the south or wherever they are plots, but that not everybody has to be transported. So you know, the funeral home will take a you know, prep them or remains, put the remains in a container. The container is driven to the airport, you have to purchase a ticket, one way ticket. Now on the receiving end, the mortuary will pick up the remains transported to the funeral home and make the necessary arrangements to bear their loved one. All of that Cosma all of it costs money and who's going to pay for it. I hear people all time I want to be I don't want to be buried in Vegas. I want to be buried my family. But if you not to do an unnecessary steps for that to happen when that time comes for you. And it will come as it does for all of us. Who is going to pay for that extremely expensive debt. You know it so many times that in my business, I've seen people transfer debt from one generation to the next. You know, that could be stopped. That could be stopped. You know, I had a gentleman come in my office on Wednesday. And his dad was getting up in age. And he wanted to get a life insurance policy for his dad and we're working on it as we speak. And so he said my dad wants to leave a little extra money for me. He's an only child. But I need to take care of this final expense for my dad. He's getting up in age. And he was in his mid 70s. He is in his mid 70s And he's I just need to get some from my dad. My dad wants to help me a little extra as well. So we worked it out. We came up with something that he can afford a policy that he can afford. Because that's the most important part it has to fit in your budget at But as I said earlier, if you can go out, if you can go out and purchase a $60,000, recreational vehicle or a car, or a sports car, there's these sports cars, they are like over $100,000. But if you go out and get one of those, you should have, you know, life insurance. You know, think about it, if you go out and buy, buy a $60,000 vehicle with no life insurance that's passing on that, when you pass away, and you still paying on it. That's a huge debt. But let's say your car is paid for in the funeral is $20,000. You know, in the United States, when you when people pass away, they leave about $60,000 in debt on an average. Just think about that. So you know, you got a car payment, or maybe no car payment, you got to move the furniture out of the house, you may have to pay the mortgage rent, the list just goes on and on. Do not leave your family members with this type of debt. You know, we can offer life insurance. If you have underlying health conditions. We're talking about lupus, the history of lupus, cancer, diabetes, whether you're type one type two diabetic, we can get you a life insurance policy. If you've been turned down for life insurance do not give up I represent multiple life insurance companies, we can find a policy that will fit in your budget. Now the premiums will come out from by way of a monthly draft, you can select the due date between the first and the 28th of each month. A lot of people like to pick the 15th or the first of the month. I don't know why those two dates are so important, but I will my my payments come out on the first or the 15th. You know I have a policy there is no health examination. Just a few questions to ask. And the yes or no answers. Simple questions. Do you smoke yes or no? Do you have diabetes? Or do you have complications with diabetes? Or, or alcohol or drug abuse now, the people that drink if you wake up in the morning with a drink, go to bed at night with a drink well, you have a problem. But if you just socially drink that don't mean you're an alcoholic, we can get your life insurance policy. Or if you have a family member that abuses drugs, don't give up we can get them a life insurance policy. My name is Don Marquez, my contact phone number is 702-236-2624 702-236-2624 My office is located on the corner of Sahara and Rancho in the US bank center located on the eighth floor 702-236-2624 Let's let's make it happen. Let's set up an appointment. Get that family member that life insurance or yourself that life insurance policy that you really need. Because your family has to pay for a very expensive funeral if you don't have any life insurance. And I asked you to simple question is that fair? To them? Is that fair for them to pick up your extremely high debt that you already have? They already have and now they have more debt because they're not paying for your funeral and all your final expenses 70223626247022362624 located on the corner of Sahara and Rancho My name is Don Marquez. This is your insurance connection. You know we got a lot going on in Vegas as always, Fourth of July is right around the corner. When it for the comps I like to stay at home because the kids in my neighborhood. They have rockets and missiles to launch. And I want to make sure one of those rockets and missiles don't come down on miles and burn up miles. So you know, I like to keep an eye on my house during the fourth of July and all the holidays. Happy Father's Day to all the fathers. He'll Father's Day is a very special day. A lot of dads just want to sit around the house watch the game or you know watch the NBA Playoffs or the hockey games and the dads enjoy your day. My name is Dawn Marquez 702-236-2624 702-236-2624. Until next week, just keep it crispy. Thank you for listening

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