YOUR INSURANCE CONNECTION

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You're listening to locally produced programming created in Hey, you envy studios on public radio K u and v 91.5.

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The following is a paid program sponsored by your insurance connection. The content of this program does not reflect the views or opinions of 91.5 Jazz and more the University of Nevada Las Vegas or the Board of Regents of the Nevada System of Higher Education.

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Good morning. This is your insurance connection. I'm your host, Donnell Marquez, on your insurance connection. We talk about saving money on auto insurance homeowners insurance. Yes and we talk about life insurance. Welcome to the show.

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Good morning. My name is Donnell Marquez, welcome to my show your insurance connection right he had k u and v 91.5. Jazz and more Sunday morning, from 8am to 830. Every Sunday right here at K und 91.5 Jazz and more. And you can give to 91.5 Just go to K u and v.org and 91.5 Jazz gift today keep programming programming like this on the air and other programs that we have our musical core. So you know, we we have music on the air or jazz music or jazz and more. We have our radio personalities. We have our engineers. It's the complete staff over here that K u and v and we need to stay on here. So give today. No amount is too small. K, u and v.org. My name is Don Marquez, this is your insurance connection. I'm an insurance professional professional right here in Las Vegas, Nevada. I love to talk to you about your insurance concerns. Your home your auto and yes your life insurance. I also offer boat and motorcycle insurance. So let's get insured today the weather's nice. A lot of bikers out there enjoying the weather and a lot of people that own the lake and join their boats as some of us don't like to be on the water when it's really really hot. I'm one of them. I like to go out to the lake every once in a while enjoy the beautiful weather right here in Vegas, this time of the year, we got our target treat is coming up right around the corner. Be careful out there, you know, let them walk. They don't cross the street. Years ago, I don't know about pulling about three or four years ago was young girl, there was a hit and run and even today is still a mystery as I know, doing Halloween and you know, just be safe out there. Watch out for the little ones getting a little candy. They shouldn't be knowledge sugar, but they called a trigger tree. So that's their treat the loved ones out there to go around with their babies to knock on doors and ask for candy. You know, just be safe out there when you're driving around in the neighborhoods and just be aware that the children and sometimes you're walking on bicycles on those go karts. And, you know scooters, they're all over the place. But just be safe. Be careful. And now, you know, I've been asked this question if you have a dog and the dog bites someone, you know what happens? Just depending on the breed of the dog, if the dog is, you know, Rottweiler Pitbull, they may or may not be insured. So I've seen people some from time to time walking their dogs with no leash on. Now if your dog gets away and bite someone you could be you could be liable, people can sue you, or file a claim against your homeowners insurance or your renter's insurance. So don't think if you're a feel animal bite someone that you know you can just walk away from it people are getting, finding that finding that out the hard way that you can actually be like you will be liable. If your dog is not on the leash or even if your dog is on a leash and it gets away from you and bite someone you could be liable. This is why it's important to have insurance have an insurance review. But if you have dogs like Rottweilers, pit bulls, they may not be covered. Just keep that in mind if you're thinking about getting a dog for you know, for your loved ones for Christmas, you know, but just keep that in mind because they may or may not be covered. My number is 70223626247022362624 I'll bring the bring that up because doing a trick or treat when people are out you know getting candy from from the neighbors. The people take their dogs with them sometimes and sometimes you know the dog may get spooked. Maybe you have a funny looking costume that up gets the dog upset and might you know, bite someone may get away from me. So just you know, keep your dogs at home. If you can, they don't need to go out trick or treating or you know, just be conscious of that just you know stay safe. People come after you today for everything. It's not like it used to be there's like hey, I'm sorry that happened. Because you have to go to the doctor get shots and all of that. So just just keep that in mind. My name is Don Marquez, this is your insurance connection broadcasting right here key Wednesday. 91.5 Jazz The more Sunday morning, from eight o'clock to 830. Let's get to it. Let's go. Let's go. Questions about people been asking calling questions. Thank you for calling and asking questions. How much does a funeral cost today? That's one of the questions I get all the time how much life insurance you think I need? That's one of the questions I get. And let's get to everybody, every senior needs to know about life insurance, everything you need to know about what funerals cost today, if you're in your 70s, and 80s, and all life insurance, what are you doing? If you're in your 70s? Or 80s? No life insurance? What are you doing? I've had I had a gentleman in my office the other day, and you know, he was at some plus years old. And I was like, you know, he was talking about saving the money for life insurance, where what a life insurance policy, you know, he's saving the money. You know, when you say that to me, you have to keep in mind, you know, you haven't done it up to this point, what makes you think you can do it now, then people are just not that different discipline, things do come up, things come up, you know, maybe you need a, you know, get your car repaired. Or maybe you have to take an unexpected trip, you got to pinch from that savings account, it happens. That's us. That's life. A life insurance policy is a way to save money, it's a force savings account, look at it like that. You're buying money, instant money, you're buying money. So it's money that you're purchasing, through a life insurance policy. Life insurance is one of these, you know, products that you have in your household. When that day comes, don't say if something happens to me, it's gonna happen. We don't know when it'd be nice to know when. Because you know, you can pick up the phone say I need to call Donald Marquez because I only have 10 years left. But you never know. But when, when you do come in, this is what happens. You call you come up to the eighth floor, right on the corner Saharan Rancho in the US Bank Center, located on the eighth floor with an appointment and operate Monday through Friday from 10am to 5pm. When you come up the elevator, the receptions are right there, you're going to ask for me, Don Marquez, and I'll come out and get you and take you back to my office. And the first thing people say when they come in my office, wow, look at that view, I have four large windows and on the eighth floor, looking at the strat all the way past the stadium, it's a beautiful view. And I can see the sphere. And it's that's weird. I see eyeballs, basketballs, it changes all the time. But wait, when we sit down, we started talking, I tried to find out what your insurance needs are, what you're trying to do, and I don't want to play a guessing game with you. As far as how much money you can afford this so much, it's a lot easier for me, when you tell me my budget is, you know, $100 a month or my budget is $150 month, whatever your budget is, I try to go come in, I'll blow your budget a little bit I do, but I can't play with the numbers. In other words, you know, oh, he can afford $150, then I'm gonna give him this much insurance. I mean, it kind of works lightweight, because of rates are based on your age. And you know, you're and the medicines that you're currently taking high weight sometimes does include, it's included, sometimes it's not just depends on the policy. But if you have, you know, underlying health conditions, let's say, a history of cancer, lupus, within the last few years, within the last few years, history of cancer, lupus, now I can write a policy that just got I got to a point where if you're 40 years old, you're 40 years young and older, let me correct myself, you're 40 years young and up to 85 years young, I can write a policy if you have HIV or AIDS. I just recently got appointed through a great western life insurance company. And they will take you 40 And up if you have HIV rates, so I'm glad to be able to offer a guarantee life insurance policy is issued when people with HIV or AIDS and because they are living longer and more and more insurance companies should write people with HIV or AIDS but they don't. But I had to find a company because I've had a few calls people asking me about you know, do you have a policy that'll write people with HIV or AIDS 7022362624702236262 For right on the corner, Sahara Rancho and US Bank building located on the eighth floor. It is an experience when you come in to see me because we sit down and you know, we go over your financial needs as far as what works for you and your budget. I don't want to know all your finances. I don't need to know all your finances. I was just trying to find out. What do you want? Do you want to be do you want to be cremated? You know, do you want a burial? Do you want to be buried right here in Nevada or do you want to go somewhere else? So I try to include enough insurance to take care of all those final expenses. Believe me just paying for a funeral today that with it with the cost the average cost between 15 to $20,000. Between 15 and $20,000. That's a lot of money to come up all at once.

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What the life insurance policy try to include enough for money left over for other expenses as always going to be other expenses. It just the way it is, you still have the mortgage, the rent to pay the car insurance to pay the, you know, the car payment, the pay, you may have to take time off from work. These are additional costs you must consider when purchasing life insurance policy now, you know, and if the longer you wait, it doesn't make sense. It really doesn't, now's the time to act. Be proactive, not reactive. Because your family members is going to quickly find out that you've you've made money all your life, you've drove nice cars all your life, but no life insurance, and who is going to take care of this very expensive cost to bury you today. You know, prices are gone has gone up in the funeral business more than I've ever seen in my lifetime, more than I've ever seen in my lifetime. So don't think you know, it's not going to cost any money to pass away it is going to cost a person so many people say cremation is an option option. Well, it don't cost that much money to get cremated. And I don't care what they do with my ashes after that, well, what if they would if you you know, they need they need to do something with your ashes. Or maybe you you want to ask this port in the ocean or maybe on a golf course, or maybe on a racetrack? I don't know what whatever you think, you know, put some time people ask them I request that you can take my ashes and scatter them all over my house and that's fine. Or you can take my ashes and put them in a lake or, you know, or I don't want my ashes scattered. I want my ashes in an urn in a crypt. So the crypt is gonna cost you money, right? But the crib with the nameplate on it. And it's a little thing there for the flowers. And the more I level, the more cost. The higher you up in a crib, the less it cost to my understanding. But these are funeral costs that has to be included. Regardless of what you know, when you say, Well, I don't care what they do. But I want this I want to be in a crib. I don't want to you know, or you can bury the ashes. So people think being Korean getting cremated, it does cost less, but it's still a significant cost there. Now your cribbed is going to run you on average about $4,500 and maybe more for the grip and then earn and the cremation packages so so that's that you're talking about for cremation, what a service, you're probably talking about $12,000 service, you know, $12,000 up to that, or more just depends on how elaborate you want to get with it. You know, I mean, so, so don't don't think well, I'll just I'll just be cremated and that's it. Someone has to do something with your ashes, someone has to do some with your remains. This is why it's important to get a life insurance policy. You know, when it comes to people with underlying health conditions, lupus, a history of lupus, cancer, diabetes, oh, well, I had no idea it was that many diabetics, you know, living here in Vegas, there's a lot of diabetics, watch your diet, get out and walk a little bit, you know, eat a salad every once in a while. And I understand you know, we are bombarded when we watch television, burgers, fries and hotdogs and you know, just the junk food pizzas that's we see a lot of junk food advertised to us and here comes a beer commercials. I mean, it's bad the soda commercials is bad. We don't see you know, people talking about a healthy salad. You know, it's it's always here coming to tacos, you know, I mean, we're bombarded with commercials on television while watching the game or watching programming, especially doing a game and it kind of gets a you know, subliminal mind to say you know, hot dog will be pretty good right chili dog would be pretty good right now what a cold beer washed it down. But then that may not be healthy for you. The older we get, the more conscious we need to eat hell to get a salad, I do. I go to I go to my favorite grocery store and I pick up me, my spinach, my strawberries, my blueberries. I try to eat as healthy as I can I try to eat salad at least five days a week. That's really good for your body, your digestive system is okay. And get out and walk, walk the neighborhood, you know, walk it out, make sure you have a leash on a dog. But walk it off. But again, let me get back because I get a little carried away sometime. The experience you have with me, I'm gonna find out what your needs are, what do you want to do? And I would like to talk to your beneficiary. Why it's important to talk to your beneficiary because this is the person who's going to be in charge of your final expenses. When you have one primary beneficiary, even if you don't come see me. Sit down have a conversation which end you want your beneficiaries or your beneficiary and don't say I you know as a beneficiary I yeah, I don't want to talk about that. I don't want to hear that mom, dad, you know, I know it's a very difficult conversation to have. But it's a much, much needed conversation to have. So many of you have come to see me. Come to see me don't have a beneficiary on the policy, because the husband passed away at a wife passed away. And now your beneficiary is deceased. I see that a lot. I've seen that a lot over my many years. But when your policy when you pass away, and there's no beneficiary on your policy, that policy goes into probate, you have family members cannot use your life insurance policy to pay those final expenses, the casket the service, everything because that policies, the policy now is in probate. But adding a beneficiary on your policy or if you get divorced, and you know, you don't want to have that same individual that ex own your as a primary beneficiary, just contact your insurance company and get a change of beneficiary form. A lot of times you can pull them up online directly from the company, they'll give you directions to make sure you do have the right form. For more information, my name is Don Marquez, my contact phone number 702 to 362624 702-236-2624, my location is on the corner of Sahara Rancho in the US bank center, eighth floor 70223626 to four I know Sunday. And then I hope you all you Football Bets come in. And I don't bet football but I do enjoy watching football, I used to play football in high school. But I do enjoy watching it. But you know, you can call me on a Sunday, it's okay. If I don't answer just leave a message, I will call you back, schedule an appointment. So we can sit down and take care of all your insurance needs. Now we can add a child rider on your policy if the child is 17 years young and younger, very affordable. Now we sell units of 5000 per child. So it's so if we say you want two units, that's $10,000 you know, on a child, but you have to have equal insurance. So if you have children or grandchildren, we can add your grandchildren on the policy loans of 17 years young or younger, onto your life insurance policy. I know grandparents out there taking care of their grandchildren. And they want to make sure you know, if a premature passing happens, that child is insured or if you'd like to get insurance on your child, individual insurance policy on your child, we can make that happen to you at your insurance connection 702-236-2624 Get connected, we can make it happen. I can add a child on a child rider to your policy, or on your new policy or you know, you may want to get the child but our own individual life insurance policy. And that's okay too, because the younger you are, the less you pay. And they'll appreciate it when they get older. Here's some here's your life insurance policy. I purchased this when you were very young and the rates are going to be very low. Or let's take for an example. For a moment here. If a person is between 25 and 32 years old, I can get you a million dollars with coverage through a term life insurance policy. And then you're probably paying less than $2 a day between 25 and 32 years young female and an excellent health, we can get you a policy at 702-236-2624 up to a million dollars in coverage. That's a lot of courage for little or no money. And who would want that a young family would want that you wouldn't want to be protected. You know you wouldn't want to be protected. Protect your young family because you're in a unique, unique position to get a lot of life insurance for low costs. Use your youth in your health to get you a low cost life insurance policies in the hundreds of 1000s of dollars. 702-236-2624 My name is Don Marquez, this is your insurance connection broadcast and right here K u and v 91. Five jazz in more. And for our fundraiser. You know you can go to K u and v.org and donate anytime K u and v.org to help programming like this to stay on and other programming with our music and everything that happens right here at K gonna be.org all the valuable information that you receive coming in office. Sitting down talk about your insurance concerns. And again, if you have underlying health conditions, history of cancer, lupus, diabetes, heart disease, kidney disease, liver disease, alcohol and drug abuse, we can still get your life insurance policy. My colleague, Christine Benard, she will help you get a power of attorney if you have loved ones out there and you know just you know they have a drug and alcohol abuse or they are addicted to drugs and alcohol. We can get them a life insurance policy we'll find a policy for them. My colleague Christine Banaras, she will put together a power of attorney so you can ask all the health questions and and and sign the policy for them with a POA power of attorney or contact Well number is 702-857-4401 702-857-4401 Christine Barnard, a team member of your insurance connection, and she can, you know, help you with Putting Your Loved One on right to survival or in lieu of death on your deed to your home. Now they cannot go out and take out a loan, they can't sell your home, what it does it put them in a beneficiary position to have the House passed down to them. When you pass away. You know, I've had people with many good intentions to say, Wow, I want my children to have a home when I go, but they don't do anything about it. They don't do the paperwork, you have to do the paperwork. You have to do the paperwork. Having a life insurance policy is doing the paperwork is simple questions, you know, we can get your policy up to $35,000 in coverage. And you know, there's no there's no physical, no health examination to apply just a few health questions. They yes or no answers. Do you smoke? Yes or no? Simple questions. Do you have diabetes? Yes or No, I mean, just simple questions. And if you do have diabetes, don't let that be a deterrent, because we can still get you a policy. Okay. And now again, if you just tuned in, and this is Don Marquez, your insurance connection, as I said earlier, just got appointed with great western life insurance company. And I can write an individual with HIV or AIDS, 40 years young and older 702-236-2624 benefits are paid in 24 hours, Whole Life Insurance Benefits up to $35,000. Now, if you need a larger life insurance policy, I can also help you with a larger life insurance policy too. But you do have to qualify these people with underlying health conditions. I'm talking about no health examination to apply just a few of questions. Easy one page application I'll fill out you just sit there and say yes or no. Most people qualify for coverage, even with health issues, rates and benefits are locked in for the life of the policy. And we can do an accidental insurance enhancement benefits $100,000 for accidental death. You know, I don't know what else to say this is the best policy for people with underlying health conditions. If you are or if you're getting right now treated for cancer, and you have a few stage one, stage two, and you have more than 12 months to live, contact me at 70223626247022362624 I want to help. I want to help you through the process. losing a loved one is very difficult. I've been there done that. I mean, it's not fun. Loss, my wife beat six years in January to cancer, very difficult time in my life. But you know, it made a difference. Because we were we were prepared.

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Financially, I had life insurance on my wife, my wife has had life insurance on me. So we're proactive, I didn't have to, I don't have to move out of my home. I don't have to change anything. You know, very difficult time in my life. But just imagine with no life insurance, you lose a husband or you lose a wife. Now you have to just sell everything you own. Your house you lived in for many years, because you didn't simply take out a life insurance policy. Or you didn't have a conversation about taking out a life insurance. Because you didn't want to talk about it. You rather watch the game. I don't want to talk about life insurance. Why are we talking about life insurance that when the game is on, we'll put the game on pause. You can put the game on pause and get your life insurance policy. Make an appointment with me at 702-236-2624 Let's change your life. Let's just make a legacy for the for the children for the future. Passing on generational wealth of Abby was out I want to make anybody rich. And why not make the next generation rich? It's okay. If you leave it, leave them $300,000 Now I was talking about a $35,000 life insurance policy. But I can get you a life insurance policy 300,000 oriented a million until the millions whatever you can afford. I can make it happen at your insurance connection. I'm a licensed life insurance broker. I represent multiple life insurance companies 702-236-2624 I represent Lincoln heritage life insurance company you can have insurance day one, day one. I've had people take out this policy and they pass away only six months later and I thought that was an excellent elf and they was it just things happen. We have no control. We never know when we're gonna go people say I can save the money. I can save the money but you haven't. You haven't. But by getting a life insurance policy you've already saved the money the day you purchase the policy 702236262470223626 to poor location on a corner, Sahara Rancho US bank center all for auto insurance, homeowners life renters. Yes, renter's insurance, if you're renting, you need insurance. And I was talking about the dogs earlier. So if you go out trick or treat, no, you know, don't take your dog, you shouldn't take your dog with you. Because you know, that dog may get on bite someone. And now they have a claim against your home. And it's gonna be a little messy for a while. And it's gonna cry, make your homeowners insurance or your renter's insurance policy go up, leave your dog at home, you know, and I see people out there walking a dog doing trick a tree, but it just takes one incident. And I'll say it can't happen to you. Because your dogs are friendly, though. I get that too. But it can't happen. And here's another thing you know, when you're driving your dog around town, don't put your dog in the front seat. Enough is this a risk that you're taking that you can have an accident very easily. If the dog gets spooked for any reason, I will just shuffle it around and moving around while you're driving. And the dog is sitting in your lap while you're driving. You know, you can create an accident and you can harm others and your dog and also yourself. So you know, my recommendation is don't put your dog in the driver's seat with you. When you're driving down the road. That's a hazard waiting to happen. I'm surprised it's not against the law. But I see people doing it all the time. Especially the little dogs and I like the little dogs to run you know the little dogs are cute. You know the big dogs are all right. But the little dogs, there's something about the little dog, they got a loud bark, they just faces they can be but put them in the backseat. He'll be okay, lean on the roll the window down and, you know, let him stick his nose out. But he's not in your way. People have car accidents with the dogs and their lap. My name is Don Marquez, that's news, you can use 7022362624702 to 362624 I want to thank the listeners that came in and purchase home auto life insurance listening to this program. A que UMB jazz amour. Thank you so much for coming in and sitting down with me taking the time with me and go over your insurance concerns. We can get you a policy. If you have that loved one that's getting up in age with no life insurance. You know, the holidays is coming around. Talk to your loved ones getting together for you know, the holidays are coming up right around the corner. Thanksgiving, I'll have a conversation. Hey, on the 10 Do you have life insurance? You know why? You ask? Why do you I mean, because we want to know make sure that they you know, when that day comes around. Don't say if something happened to you. When that day comes for you look at it. You know, we want to make sure we can bury you do you have life insurance? I don't want to talk about that. Now when he says he don't want to talk about it. That mean he doesn't have life insurance? Well, who's supposed to pay for it on content? You know, and we need to know. I got it. Well, who's the beneficiary on content? Ask them that. Who's your beneficiary? And where is the policy? Because we need to know because you're getting the band. Oh, you know you late in your 70s and we need to have a conversation. You should for Thanksgiving. Nobody eats. We're gonna have a meeting. Everybody's gonna have sit down have a family meeting. Who has life insurance. Where's the policy? Yeah, you should have a family meeting before you sit down and have Thanksgiving. That's my recommendation. My name is Don Marquez. Or you can call me Donmar. Donald Marquez. 702-236-2624 702-236-2624. Everyone have a safe week. I hope you Football Bets come in. You know go aces. Come on Raiders. Come on. We can do it. We want to in a row. Wow. Hopefully we'll win the game today. If we're playing today. I don't know I'm not sure this guy this program is pre recorded. And then it airs on Sunday morning. 70223626 to four. Get out. Take a walk. I've only you know enjoy you a beautiful day to day until next week, from eight o'clock to 830 Just keep it crispy. Thank you for listening. Take care.

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