YOUR INSURANCE CONNECTION

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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 in Las Vegas. My name is Dan Marquez. Welcome to another edition of your insurance connection. We broadcast radio K und 91.5 Jazz and more Sunday morning, grab a cup of coffee or cool beverage and sit back and relax and listen to the valuable information I'm about to give you talk about we're gonna talk about final expense life insurance today. final expense life insurance. What is it? What's the comparison? You know, let's get right into it. Let's go. It is final expense life insurance is a life insurance policy. When you have underlying health conditions, you can qualify for final expense life insurance policy. If you have diabetes, or lupus, you know or you have a family member or yourself with Alzheimer's dementia, you would need one of these final expense life insurance policy. If you have a stent in your heart history of cancer within the last five years, you need a final expense life insurance policy. Now if you have over 12 months to live and it is stage one, stage two cancer, we can get you a life insurance policy the benefits are up to $35,000 there is no health examination to apply just a few health questions one paid application most people qualify even with health issues, I can make that happen. Rates and benefits are locked in for the life of the policy and the policy will take you to age 100. Now if you live to age 100 Like this policy will give you the face amount of the policy minus any loans this policy does build a cash value asset. You know, you might say $35,000 is not a lot of coverage. However, if you've been turned down and you can't get life insurance, we do have a company for you. Now, if you have HIV or AIDS, I do have a company that will help you as well up to $25,000 in coverage, something is better than nothing as long as your age 40 and above. If you have a history of HIV or AIDS, we can get your policy. But this one is a final expense life insurance policy through Lincoln heritage life insurance company will know and life insurance company has been around over 65 years. I read a lot of business through Lincoln heritage Life Insurance Company. It also comes with an accidental death enhancement. Now what does that mean? It is a rider benefit for you know the advantage to have if in case there is a you know, accidental death. It does cover car accidents. Most accidental death policies do not cover car accident. This is not accidental only. Let me say that again. This is not accidental only comes with benefits will pay for natural causes. And also it'll pay if you enter in an accident, accidental death, it'll pay for this single dismemberment. It also pay for death benefits due to an auto accident. And we have a basic plan we have a deluxe plan on the date basic plan on the car accidental pay 10,000 on the deluxe plan with a with a car accident and that was an accidental death. It'll pay 50,000 and accident due to a common carrier. That means if you're on an airplane, bus or train, you are covered, but it pays Double Indemnity. Let's say you have the $50,000 car accident, a deluxe plan and you are there was a fatality and a car accident. It'll pay your beneficiary, the $50,000 and let's say you took that $35,000 in whole life. That benefit is a total of $85,000 to your beneficiary for more information. My name is Don Marquez. This is your insurance connection. My contact phone number is 702-236-2624 702-236-2624 My my location is on a corner of Sahara Rancho, in the US bank center located on a eighth floor, my business hours are Monday through Friday, from 10am to 5pm. I can help you I work by appointment, I can help you through the process is not that difficult. It is not that difficult if you don't have any life insurance at all, you know your loved ones take your remains to the funeral home, they're gonna be devastated the last year. Now they have to go through the process of doing the business of taking care of your final expenses. You know, and people say, Well, you know, I have enough to pay for funeral. Oh, yeah. So you sit around and maybe 10 $15,000 in the bank that will take care of funerals today. In most cases, it will. Now if you are a veteran, and we have the Boulder City Cemetery, the only bonus to the cemetery and Southern Nevada, that will bury you. It'll take care of the plot, the opening the closing and the headstone. It will not cover the cost of the services. Unless you do have you know, veterans life insurance, we need to go over that too as well because as you age, what's a veteran's life insurance policy, the face amount does reduce now with the policy I'm talking about today as a final expense life insurance policy rates are locked in for the life of the policy. In other words, the face amount will not to reduce over time, and your rates will not go up 702-236-2624 Call me at 702-236-2624 I know it's Sunday morning. It's Mother's Day, Happy Mother's Day to all the mothers. You know I don't have my mother anymore. She's in heaven. You know, the closest thing I have my mother was my wife and she's also with my mother and in paradise. So Mother's Day to all the mothers out there. Happy Mother's Day to all of you and you still have a mother or wife still around with you. You know honor them on Mother's Day their mother honor them on Mother's Day. And he asked if you if you're married and your wife is not your mother, of course he's not your mother but you know, she expects something. gala Hint Hint, make sure you get that card early. I've been in a position where I tried to get that Mother's Day card at the last minute do not get the Mother's Day card today fellas. Hopefully you've already bought that card the day before a few days ago because I remember one time it was Mother's Day and I forgot about Mother's Day I'm too busy watching the playoffs right? And then you know my son remind you know Dad, what you're gonna do for mom for Mother's Day. I'm like, Oh my God, it is Mother's Day. So Sunday, I get out of bed and I run to the grocery store to get a really nice card. And there's about four guys and they're doing the same thing I'm doing we're getting cards at the last minute. It's not a good game. It's not a great selection when you purchase a Mother's Day card at the last minute. It's just not a really good idea. Now you know of course mothers like to go to the restaurant, they like to go out and that's okay if you have a mother or a wife to go out to dinner or well you know take him to brunch. Brunch is always nice, because you can you know you have the evening at home to relax for the for Monday morning because most of us have to go to work. Or you know if you don't if you're retired, you know you can take a little trip. You know get out I know I'm wives and mothers because they deserve it. Now Father's Day, on the other hand is different story. The restaurants are not full you can

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you can go eat at any establishment Father's Day you don't have to make reservations by the way, is going to be plenty of room because as dads we like to sit at home relax, maybe put some steaks on the grill or whatever you want. Whatever you enjoy and sit back we watch the game probably golf or you know but the playoff basketball games will be on for father's day Thank you. NBA for for making Father's Day during the playoffs and those games on Father's Day so we're locked down in front of the television watching sporting events. This the These are days or you know they come and go so fast. You don't have to go out and get in debt to put a smile on your on your wife's face or your your mother's face. You just definitely remember her on these special days. My name is Don Marquez, this is your insurance connection sometime you know I like to get off track a little bit. But we are where we're at it is Mother's Day and we're on are all mothers. Happy Mother's Day. But we are talking about final expense, life insurance. Most of you need it if you don't qualify for the larger policies. We're talking about the policies that started you know 50 to 100,000 and up you've if you've been denied life insurance, I can get your policy 70223626247022362624 My contact phone number. My Location is on the corner of Sahara and Rancho in the US bank center located on Eighth floor where by appointment at 702-236-2624 If this is your first time listening to my program, welcome to my show, broadcast right here, okay, you have the 91.5 Jazz and more Sunday morning from 8am to 830. Love to hear from you, we can do insurance reviews, we sit back and review all your insurances, your home, your auto, yes, and your life insurance. final expense life insurance, paying for funeral is one part of it. It truly is. However, there gonna be other expenses, the mortgage, the rent, you know, car insurance, car payments, food, you know, you may leave young loved ones behind, you may leave a spouse behind with no money. With no money, it makes it very difficult for people to move forward. In I've seen over my 28 years of experience in this insurance industry, you know, where we don't take action when we need to? We need to take action, get ourselves a life insurance policy, take care of family, you know, and no, you don't have don't have this attitude where you know, it doesn't concern you, you don't care. It's their problem. No, it's your problem too, as well. Because what you're going to do is you're going to leave your family in a very difficult financial position. You are I mean, I've seen family members are devastated. They have to move out of their home they are accustomed to, to a smaller home, they may have to sell a house, you know, sell a car, sell jewelry, Pawn jewelry, take out payday loans, I mean, the list just goes on and on. And I have people come to me, and they say, You know what, we've been through that, you know, we lost a couple of loved ones, we're not going to go through that anymore. The financial difficulty of losing a loved one and you quickly find out from these funeral homes, what they charge, they charge a lot of money to, you know, put the remains at rest, they charge a lot of money for that service. You know, we're talking about the casket. You know, caskets cost a lot of money today. And I know some of you may have think, well, you know, we we buried loved ones over 1015 years ago, and it was less than $10,000. Those days are long gone. The plot today can cost you seven, eight, almost $10,000 Just the plot alone is getting very expensive. And you know, and some of these cemeteries are filled up, like woodland cemeteries, it's, you know, it's filled up all the way to Rancho High School, I grew up in Vegas. So woodland cemetery, one of the most popular cemeteries gets a large cemetery that was right off of Las Vegas Boulevard north and Owens over that, and that community, and that cemetery is filled up, you know, with the virus, the virus took a lot of people away, took a lot of my friends away. I you know, I don't want to talk to another family. And they said, you know, we had to, you know, do car washes, we had to, you know, scrape the money up, we had to do some some things, but take loans out some things we have to do to take care of final expense. And a lot of times, so your family members, they do have the money to take care of their own final expense. But they find other excuses not to take out a policy. You know, I feel good about having a life insurance policy, I really do. Because, you know, when I had my daughter, my time comes and it will come for all of us. Don't say if, when it comes for all of us, are you financially prepared to move on to the next slide. And you know, some of us are not financially stable to move on to the next slide. You know what? And I think if you're not financially stable, when you move on to the next slide, you should come back and try it all over again and get financially stable. I mean, really, you go to heaven, and you know, and I guess PD out the gate. That's what they say. Did you leave your love on any life insurance? No, Peter, I know I didn't. Well, you gotta go back. Okay, not now. You gotta go back start all over. Yeah, get yourself together, then come back. As your I should be there should be a reject. Heavenly rejects. That's what I call it should be rejected. No, we're gonna reject you because you didn't go home. You didn't take care of your final expenses, so called on Marquez. Get yourself a life insurance policy at 702-236-2624. I'm a licensed insurance broker. I enjoy what I do. As an insurance broker. been in the business for 28 years. I've seen a lot in my lifetime as an insurance professional. But the one of the main things that I know about families, you know, they they like to compare their life to compare life insurance policies. They said, Well, you know, I have an accidental policy, that'll take care. That'll take care of my family. Yes, but if you don't have an accident, like I said, it's accidental only is not going to pay for heart attack, accidental only is not going to play for a stroke, that there's a passing for a heart attack or stroke. Accidental life insurance policies do not pay for natural causes, it pays only for an accident. And I spoke about earlier about auto accident. Now, most of you accidental only policies do not cover car accidents because the car carries its own insurance. However, from this final expense life insurance policy from Lincoln heritage Life Insurance Company,

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it does cover car accident, either at a $10,000 plan or at a $50,000 plan. And the plans these plans are affordable. They are affordable. And also we can do a third party plan to with these policies. Along with Christine Bodnar and my colleague, team member of your insurance connection, she can help you get a power of attorney to get a life insurance policy on a loved one on a loved one perhaps has dementia, Alzheimer's, or maybe you have a loved one that's out there in the streets, they're on drugs, we can get them a life insurance policy, you can contact me at 702-236-2624. Now if you don't want to come in the office, you don't have time to come in the office, we can do a lot of business by way of phone, we can do what we call it three way Tella app, you know, we can have the Get your life insurance verified. On the phone, we can do everything over the phone, not a virus did change, where we don't have to see a person face to face anymore. We can write a policy right over the phone. And I want to thank the listeners that did call me make their appointment and purchase home auto. And yes, life insurance. Life insurance is something we all need. It is saying to your family is the gift of love. Mother's Day is here today. And you would you know what you can do. You can say you know to put your mother or your wife, or get them a life insurance policy. You know, we need to talk to Don Marquez, let's sit down and have a conversation about life insurance. And why not have a conversation about life insurance we all age every day. Now if you're in your 70s and you know and don't have any life insurance, what it what is your plan? What are you? What are you doing? Now, you may say yourself, I will I have money in the bank. But if you don't have if your family members don't have access to that money in the bank, how are you going to take your care your final expenses, or you may say I'm still working, I have life insurance on my job. But a life a lot of these life insurance policies paid three times your salary. However, if you're only making let's say $50,000 a year, that's $150,000, which isn't bad. But if you're paying for your life insurance, through your career through your job, you do have other options. You know, let's look at other options. Because when you leave that job, when you leave that job or that career, that life insurance policy ends or it goes up on you every single day, every single year because now you outgrow the group life insurance policy builds cash value if you know get you get in a situation where you need to borrow some money, you can borrow money, what a final expense life insurance. Sometimes we need to change our beneficiaries because people get married, they get remarried, or they lose a loved one, we want to make sure your beneficiary information is up to date. You know, I've had some real horror stories about that, where you know, family members don't change the beneficiary and or the beneficiary has passed away, or they get remarried, they don't change the beneficiary to the new spouse. You know, there's there's certain reasons why you may want to keep the beneficiary after you get a divorce the same, because now you may have children together. But if you get remarried, you may want to change your beneficiaries, you could do that with a change of beneficiary form. Or you know, like I said earlier, if you need to borrow money, after having your policy for a while, it does build a cash value asset, this policy up to $35,000 A Whole Life coverage. And it covers people with diabetes, lupus, cancer, MS, multiple sclerosis, if you have Ms. And I know you've been turned down by multiple life insurance companies, but you know, give me a call that's 702-236-2624 doesn't get you a policy that builds a cash value. If you you know, having a positive rate when you know, let's say you have a positive five or five years into the policy and you need to borrow some money. That money's there, you borrowing from yourself, you have to pay the loan back. Now I've talked to people in my career, they take out loans on these life insurance policies don't pay them back. But you have to understand if you don't pay a life insurance policy back, it could cost you more money than the money borrowed over time. It's called a rule of seven. Your borrowed money could double every seven years. Because you're paying about anywhere from a seven to nine maybe even a 10% interest rate on the money is usually hovers around 7% on borrowed money. So and Ideally you're going to have a 7% so if you need a you need a couple $1,000 Right chatterbot a couple $1,000 from your credit card or the bank they're gonna charge is very high interest rate. So some of these finance companies, oh even a credit union very high interest rate on unsecured money borrow. But if you're only paying 7% And you need you know, a couple $1,000 from your life insurance, you only paying 7% back. Now you can pay that back and pay very little interest 702-236-2624 My name is Don Marquez, this is your insurance connection. And as I spoke earlier, if you have a loved one with Alzheimer's dementia, we have a team member Her name is Christine Benard. She'll, she'll help you out with the power of attorney, medical or financial power of attorney. She can also help you with a will and testament, you know, to help you you know guide you to the process promissory notes if you are looking to get a divorce, Christine definitely can guide you with the right attorney to help you. You know, go through your divorce. Hopefully you can work it out. It's cheaper to keep a guy's it probably cheaper to keep him too by the way, probably to work it out. Work it out. If you need a quitclaim deed, Christine can help you with that. Christine Banagher 70223626247022362624 My name is Don Marquez, this is your insurance connection, located on a corner of Sahara Rancho in the US bank center located on the eighth floor, I'm here for you. I'm a professional insurance agent. I just want to you know, think of Aston Ripley, Dr. Aston Ripley for this unique opportunity to come on the radio and my engineer West night keeping me with the time thank you so much. And the listeners you know that tune in, they call me up and they say, Man, you get some really good advice. And I know it's a Sunday, you can call me on Sundays, I'm okay, I'll talk to you on a Sunday 702 to three 626 24 I give my phone number out a lot because you know, people dying when that phone number, you know, that could be driving, or if you want to text me, you know, you can text me my number. And we can set up an appointment, you come in, if you have current life insurance, let's see if you have cash value on your life insurance policy. I've had situations where you know, we, the policy is going to go up because people you know, they have cash value in some of these policies where the rate goes up, but the rate goes up. And now your payment goes up the rating and what you're gonna do, when the payments are going up, as you get older, you can cash out your cash value that surrender the policy, and open up your brand new life insurance policy retain the money in the end you cash value, that's your money, you can do whatever you want with it. And and check out a new policy, because sometimes it's advantageous to do so. It really is I've seen people come in to man and their and their cash value policy is going up every single year and what it does, because you continuing to pay these higher payments, and they're gonna do they go their life insurance companies will take money from the cash value to keep the policy active. So it comes to a point where you may have to make a decision whether to surrender your life insurance policy, because it's a good thing to do as you hit 75 or 80, your life insurance policy could change. Now the life insurance policies I offer, I want the rates locked in for life. Now term keep in mind term is only 1015 20 or 30 year term policy. Those rates are locked in for the life of the term for the life of the term. Now those policies can be converted over from term policies to universal life insurance. And if you can't afford the rate, that let's say you have a $300,000 term policy. Now you're 20 years old are talking about converting the policy. Right and the rate is only only going to be based on your current age. Whatever your current age is, that's what the rate is going to be based on but let's say you cannot afford a $300,000 and you're in your you know you're in your 70s and you can't afford a $300 rate. You can always we always reduce down the face amount of the life insurance policy we're talking about term, reduce down the term life insurance policy to phase them out. Down to something you can't afford. My name is Dawn Marquez for more information 702-236-2624 702-236-2624 Not again I said most policies are convertible there are some insurance contract policies out there for term insurance if you cannot convert, but how would you know that until you add an insurance will you review no obligation insurance reviews?

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Right at my office located on the corner of Sahara and Rancho in the US banks into our work by appointment, you know, Mother's Day, a beautiful day to go out and you know, enjoy you, your family and you know spend that quality time together. And when you are spending quality time with your loved ones, your mother, your family, talk to them about life, life insurance, today is an excellent day to talk about life insurance is Mother's Day families get together, they have dinner together, and let's have the conversation at the table or after the after dinner. Let's talk about life insurance. And if you do have a life insurance policy, who was the beneficiary, if you needed an update on your policy, I'd be more than happy to give you an update, you know, it's a good time is always a good time to talk about life insurance to make sure you know because you could be the responsible person to take care of your loved ones final expense. And, you know, listeners out there that don't have life insurance, what you're going to do is, you know, have your family members have more debt on them already, they already have debts. Now you they're putting more debt on them because now you don't have a life insurance policy. And you want them to take up the burden of Barry Varian, you for the for your final expenses, sumney You should have taken care of yourself. But now you put your family in a whole another 15 $20,000. Now suddenly, you say I'll be cremated, you know, a couple of $1,000 cremate me, but that's not the case anymore. You know, they may have to put the urn in the vault, you know, on a crib. I mean, it's, you know, it's the cost continues, the mortgage Steel's gonna come in the power bill is still going to come in the car insurance rates are still going to come in, you know, we still have to buy food because you leave family members behind with all this debt. On top of that they already have, don't do that to your family members, or get yourself a life insurance policy, I can help you. If you have underlying health conditions, multiple sclerosis, diabetes, whether it's type one type two diabetes, you know, lupus, lupus, I can get your policy, I know you've been turned down 702-236-2624 That's and I'm gonna write it down, put it in your phone. And you know, don't keep Don't keep me a secret. Share your info, share my information with your friends and family members, because they need life insurance. Everyone needs this. And if you don't, if you're not really good with saving money, why not have a life insurance policy? You know, it's like putting money in the bank. You're buying money at a low cost. That's what you're doing. You're buying money to secure your family. I know Today is Mother's Day. You know, congratulations all the mothers that are here. You do an amazing job to keep the families together. I've seen families fall apart when they lose love my mother or dad. But you know that because they don't communicate, they don't talk to each other. So this is what we need to do. This is where we are. Have those those necessary family meetings. When was the last time everybody sat down and had a family meeting to say you know what, this is what's going on. We have a life insurance policy. We don't have life insurance. But we do have assets. But you know it takes time to sell assets. If you have a home and that's that's your out of you know, that's your way out leaving your family something behind. You know, I mean, they have to sell the house they have to get the house ready for sale. That costs money they may have to take time off from work, you know, fly in from another state. All this cost money and you know, family members, a lot of people just went with the inflation the way it is today. You know, it's another burden another costly expense. My name is Dan Marquez. Don't let that happen. Let's get you a life insurance policy. 702-236-2624 702-236-2624 also a Christine Banagher. If you get a speeding ticket she can get reduced it down to a parking ticket. If you haven't made arrangements to pay it through the Department of Motor Vehicle. Christine Bodnar can be reached at her phone number is 702857440170 to eight by 744 01. Everything legal with Christine Barnard you can or email her at Christine at everything legal. Hyphen legal.com. Again, that's Christine at everything. Hyphen legal.com. She works with me in my office right around the corner of Sahara and Rancho and the US bank center to 300 West Sahara. One block west that out 15 We own the eight foot we work by appointment again. Christine number is 702-857-4401 My name is Don Marquez. This is your insurance connection. Again. Thank you so much for listening, and Jada Day to Day. Happy Mother's Day to all the mothers until next week, just keep it crispy. Thank you for listening

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