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. 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.

Unknown Speaker 0:52
Good morning, Las Vegas and all the surrounding communities Summerlin, Henderson, North Las Vegas and all over the valley. And welcome to the show. My name is Don Marquez, this is your insurance connection broadcast. And right here at K u and v 91.5. Jazz and more Sunday morning from 8am to a 30. We are given that we are having our membership drive 91.5 Jazz and more. We can use your donations to keep valuable programs on like this. Take care of staff and you know just keep our programming going on. We are the only jazz station in Southern Nevada and are your donations are appreciated. You can donate to K u and v 91.5. Jas and more at K, u and v.org. Again, that's k u and v.org. No donation is too small or too large. To keep our valuable programming on the air right here K u and v 91.5. Jazz and more in the end, it is a tax deduction, you know, tax season and be here. Before we know it. And we can some of us can use all the write offs. That's available to us. My name is Don Marquez, I'm gonna I'm a licensed insurance broker. Right here in Southern Nevada, my hometown. And I have been broadcast right here K, u and v 91.5, jazz and more for the last two years to bring you valuable information about insurance. I'm an insurance broker right here. And what I offer is auto insurance, homeowners, boat, motorcycle insurance, life insurance. And we all of us need insurance. Sooner or later in our life, we have to have insurance. If you have a house, you need a homeowner's insurance. If you're a renter, you need renter's insurance, if you drive the vehicle, driving is a privilege is not a right, you must have auto insurance. And the rates were auto insurance and VAT people always complaining about the rates in Nevada. But you know, we can we can curb the rates down by doing small things like don't text and drive. Because that creates a lot of rear collisions. You have to pay attention. And you know, check your vehicle make sure all the safety features are are done, you know, the weather is changing right now check your air pressure on your tires. You know, make sure your maintenance is taken care of. Because sometimes when cars break down on the road, it does backup traffic. And a lot of times when we have traffic delays, it creates car accidents. The reason why our car insurance rates are what they are, is because you know we have a lot of DUIs lot, a lot of people out there drinking and driving because the bars are open all night, all day and all night. And and you know there's a lot of accidents if you're a senior citizen, and you're driving, you know, make sure you pay attention because we'll find it out to seniors, I have a lot more car accidents than they used to creating our rates to go up. Now when you're a senior citizen. You're probably noticed when you turn 75 years young, your rate went up. Let's sit down and have a conversation. Maybe we can shop for you and find you a lower rate for your auto insurance. My contact phone number is 702-236-2624 702-236-2624 located on the corner, Rancho Sahara in the US Bank Center, located on the eighth floor 702-236-2624. I noticed Sunday morning is early. Contact me if I don't answer leave a message. I answer all my calls with if you leave a message or if you can't call me text me at 702-236-2624. Let's set up an appointment. Let's have a conversation about your insurance. I have many of you come in to talk to me about your insurance concerns. One is especially when it comes to life insurance. There's a lot of moving parts. Now auto insurance if you are currently driving a Kia or Hyundai contact your dealerships to see if in fact your car needs to be. It's on a recall. It didn't needs to be adjusted as far as you know, electronics are concerned. This young man went on Tiktok and show people how to take these vehicles. The Hyundai and the key is not only unlocked vehicles but Start the vehicles and take off is happening. And unfortunately we're not able to write Hyundai's are key is, in most, in most insurance companies that I represent, they're being flagged because a lot of these cars today unfortunately, are being stolen. Because now people know how to go they made it very convenient for people to take these cars and take advantage. And if you have personal items, and your car is no one, no matter what kind of car you have, take out your personal items, your wallet, your purses, your your computers, cell phones, you know, because people will take advantage when they see cars that you know with this valuable device, you know, information in it your your, your wallet, purse, your computers, you know, they they they take advantage of you and who wants to be taken advantage of. My name is Don Marquez, this is your insurance connection. And again, we broadcast right here, okay, you want to be 91.5 Jazz and more every Sunday morning from 8am to 830. You know, the weather is changing, you want to check with the water district to see when your watering times are. Right now in the fall, you can water three days a week. And then for between now, September 1 and October 31. You can water three days a week. And from November 1 to February 29. You want to once a day a week. Now I'm gonna share a little story with me. I came home from the office. And back in May I had a red flag in my yard. Like what is this a red flag in my yard? What is that for? However, they I got cited in my mailbox, the water district people left me a nice warning with pictures of my home in the water that's going on the sidewalk, I guess my clock was off maybe the wet from the weather that that day or, or maybe I don't know what happened to my clock, I had to tell my gardener to reset my clock, because the timer on my water system, sprinkler system was off. And I was watering during peak hours. And you know I got dinged for it, it was only a warning. So the first time you see the red flag in the yard, just a friendly warning to change your watering clock. And I have my garden to change it for me. Because if you don't, they'll come back and check. And if the water comes on, at a particular time of the day, that's very, very expensive, fine. So check with the water district in your area to find out your water in times. Because we want to conserve as much water as we can to keep Lake Mead, the build up as much as possible. 702-236-2624 702-236-2624 Life insurance is something that we all need. We all need life insurance. If you've been turned down for life insurance, and I've talked to many of you that half, don't give up. Don't give up i can find your life insurance policy that will fit in your budget. It's like this, you're gonna pay now you're gonna your family members will pay later. No one dies for free. It just is inexpensive to death. Unfortunately, it is. And you don't say you don't care because you have to, because your loved ones have to do something with your remains. They have to pay a funeral home to take care of your remains. And then these prices, these funerals are getting very expensive. You know, don't don't put your family in financial disaster. And a lot of families have been devastated. Because you know, people like I want to wait. I don't know what you're waiting on. I just don't understand.

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When people tell me they want to wait to get a life insurance policy. I don't know what they think the prices may go down. I don't think I don't think they understand that. The life insurance rates are based on your age. The older you get, the more you pay for life insurance. Now I've heard people say this to me, Well, I can save the money with what it for life insurance for burial. What if something comes up? Now the money you've saved? Let's say you save $20,000 Right? I'm gonna prepare myself at $20,000 Now you're a married couple and you've saved together $20,000. But let's say the spouse wanted the spouse, the husband dies first. And you saved the money and you want to you want a burial. You don't want to cremation that's gonna take all your money. Now, you have to restart saving money all over again and you may or may not have the time to do it. That's why life insurance policy is important. You could start buying a life insurance policy, that that's an instant savings, you've already put the money in the bank is going to be there when you need it as long as you make in your premium payments. So when you say I can save the money, what if something comes up, you need to replace your air conditioning unit on your home or buy a transmission for your car that's out of warranty. Or someone gets ill and you have doctor bills, you know, that, you know, there's many moving parts that can happen to you that will devastate your savings account, wipe out your savings account, and you don't want to a funeral to wipe out your savings account. It is devastating with a lot of families today. And if they're burying two or three loved ones in a small period of time, how are you going to do it? Now and you have yours? If you say yourself, well, I can save that money. What if you have to bear one of your loved ones that didn't save money? Or you they say hey, we need to chip in because, you know, we lost dad and dad and now I'm in life insurance and that money you're saving, you know, you know large amount of your money that you're saving will go toward a service. Now you have to restart all over again. The money that you're saving now is fine. However, it is itself a life insurance policy. I can make it real easy for you. We have policies that will fit your budget, you can select the due date between the first and the 28th of each month, benefits are paid in 24 hours, get yourself a whole life benefit up to $35,000. And you know not have people contacting me, I just want somebody to give me Barry. You know, I don't want to take a physical. I have a very simple policy through Lincoln heritage Life Insurance Company. There's no health examination to apply just a few health questions. One page application, most people qualify for coverages, even with health issues, rates and benefits are locked in for the life of the policy. That means when your family gonna need this money, when they're going to need the money to take care of your farm expenses is going to be there for your family. And if you've never buried a loved one, and you say, Well, you know, I can I can I can handle this on my own. You'll be surprised. You'll be surprised with the cost. I had a conversation last week. Young lady came off. And she was concerned about her husband because her husband keep telling her well, I have insurance life insurance to the Veterans Administration. They'll take care of everything. And I said okay, do does your husband and he's getting up in age in his late 80s. Does your husband have life insurance to the VA? No, but he has he's a veteran. And this is a miss understood all the time. Now the VA will take care of the land the plot in the Boulder City Cemetery, they will take care of the vault. And even if your husband and wife are together in the Boulder City Cemetery, the Boulder City Cemetery for veterans will pay for the for the plot the land. In other words, the vault for both husband and wife and also the headstone. Now let's say you want to be cremated, you want to be cremated, and you don't want to put the casket in the vault because you want to be cremated. They will put an urn underneath the headstone now called the Boulder City Cemetery so because we needed clarity, the young ladies in the office I put her put it on speakerphone called the Boulder City Cemetery. And they explained it step by step how this goes because a lot of veterans don't quite understand how this works. Boulder City Cemetery will only pay for the for the land, the plot the headstone, the vaults, in the one vault to vault vaults, put the casket in, and they'll put the urn underneath the headstone. Now there is a minimal fee less than $500 for the opening and closing. But that's it is Elise about $11,000 savings. When we're talking about two vaults, and the land, the vault, the plot, that's about $11,000 Savings today. It does not cover the service that does not cover the server unless you have a life insurance policy benefit through the VA or you have separate life insurance other than the VA but if you're thinking as a veteran, and I'm a veteran, I had to look into this thoroughly. I'm a veteran and I know it doesn't cover me. Now I don't know how to a lot of these vets it the thing is they're gonna cover it but they're not covered for the service. You only cover for the plot, keep that in mind 702236262 For kids for more information 702-236-2624 My Location is on a corner of Sahara Rancho and a US bank center located on Eighth life insurance is something we all we all need. We all should have it do not put your family in debt do not have you have family members borrow money, money that you know they already have their own bills. You know they have a car payments, their car insurance to rent their mortgage, the children the rays, don't put them in debt. because you know, you want to wait, I don't understand the philosophy of waiting. A Life Insurance also can be a living benefit. If you need money, you can borrow money from your life, your whole life policy, you can borrow money from your whole life policy. Now, if you have a term policy, we need to have a conversation, because eventually a term is going to run out. And you may outlive your term policy term is not forever unknown, your policy says to age 95. But at it when that term ends, then you will you're in what we call the extended term of the life insurance policy. The rates gonna go up on you every single year. Or here's another one I get quite often well, you know, I'm at work, and I have life insurance at work. But if you have life insurance at work, and let's say you're making $50,000 a year, and you have three young children at home, married three young children, how much is zero and you get three times your salary? How long was $150,000 last year family? Not long. If you get three times your father salary, and you have a premature passing, that's $150,000.50 $1,000, your salary three times three times your salary $150,000 with a family of three, how long would that really last? Let's break it down a little bit. The funeral service is going to be around and this person is not a veteran, let's say that the father dies. And when young would a young family and it happens every day all day all over, all over everywhere. Now the service is going to be close to $20,000. Now you have a car you need to pay off it is another 20,000. Now you're not in 110,000. You pay your rent mortgage or you know other bills, credit cards off. Let's say you have $15,000 in credit cards, now you're down to $95,000. And you have three young children and under the age of 10. So when you say to yourself, you know I have life insurance on my job pays three times my salary. That doesn't go very far. Now, if your spouse is really good with money that may last or or him maybe two, no more than three years. But you have young children that's under the age of 10 years young. Now, if you are between the age of 25 and 32, you can take out a million dollar life insurance policy with good health. You know, and you're paying probably less than $2 a day for a million dollars worth of coverage $1 million worth of coverage to cover that small young family that you have. And you're paying less than $2 a day my contact phone number is 702-236-2624 702-236-2624 Now have you if you drink Coca Cola, Coca Cola today is more than $2

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an hour on occasion, I will drink a Coca Cola because I love a Coca Cola with Mexican food is something about a Coca Cola and Mexican food. I tried to Coke Zero, it doesn't work. I just want the regular Coke Cola with my tacos. Oh, my enchiladas. I gotta have it. It just works. But for $2 a day, you know, you can go out to these coffee houses that's gonna cost you more for a cup of coffee when you would do the frappuccinos and the whip and you know you go to these some of these coffee houses, they have their own language. I can't keep up with the language they have. You know, just give me a cup of coffee and cream on the side. That's all I want. I don't want any sugar only anyway, I don't know why all that whip and all that a lot that, you know, give me give me a regular. I don't know what that regular coffee, but they have their own language. But you know, a lot of these coffee houses are charging you seven to $8 A cup of coffee. And you said well, that's not my only advice, but you're paying a lot of money for coffee if you add it up. Even if you buy it every day for 20 days out of the month. Just add it up. Smokers oh my god here. Here we go smokers. I couldn't believe I was looking at in the window and on a nearby grocery store at my home by my home. And they were talking about cigarettes on sale. 88 It was like 799 a pack? I'm like is that a sale? Sale? 79. It's $7.99 for a pack of cigarettes. Do your body a favor, stop smoking quit totally all together. It's gonna create a lot of health problems for you in the future. It really is. I've had family members that are smokers, that has has created them a lot of health issues, and they pass away as a result of smoking cigarettes, they probably could have lived a lot longer if they did not smoke. Now if you're smoking a pack of cigarettes a day or more, you know, and no life insurance. What are you doing? No life insurance to take care of your burial but your pan for cigarettes at least eight $10 You know, four pack of cigarettes. Or if you bought a carton of cigarettes, I don't know what that cost the bag, I don't know, I have no idea. But if one pack of cigarettes is almost $8, what a carton, you get 20 in a carton. And I know you get a little bit of a discount. But even if you if you're paying $6, a pack and a carton of cigarettes, and you have that's 60, that's 120 $120 for a pack of cigarettes, and it lasts you less than 10 days, because you're smoking almost two packs a day. And I've seen people drinking, when a drink, they smoke more. Or when somebody comes up, you know, any nerves rocked, maybe devastated by the loss of a job or loss of a loved one or breakup, you know, really in a relationship. Things come up, people smoke more, they smoke more, because the you know that the nerves is all about the nerves, it affects the nervous system, your lungs, and now you're smoking a lot more than you used to. But if you add up the money you smoke, to what it costs, you just smoke cigarettes, cigars soon as well it costs a lot of money smoked cigars these days. You know, you could save money by reducing your intake of cigarettes, and get yourself a life insurance policy, your family's going to need that policy. Now when you retire. Here's another one. I had people say this to me Well, when I retire, you know I can I can get life insurance through retirement. But what happens every year because you're out of the group of your, your job, your your job group, life insurance wants to stay young. You know, as you retire, you're older person, you're much older. So the Life Insurance Group is going to charge you the out of group price for life insurance because they want to keep the people that are still working this intergroup stay young. That's how they keep their rates lower that three times your salary. Now if your employer is gonna give it to you for free, take it. But if you got to pay for three times your salary for life insurance, and then never give you a policy by the way, they just saw as a benefit. Right? But three times your salary and you're making $50,000 a year is not enough money to survive with a young family. My name is Don Marquez, this is your insurance connection broadcasting radio K, u and v 91.5. Jazz and more. It is our membership Dr. K, u and v.org. To donate today, we could use your donations to keep programs like this and other programs on the air. Our music is 24/7. And I want to thank Aston Ridley, Dr. Ashton really for this unique opportunity. My my engineer West night for keeping the time and keeping me keeping my time going. I only have 30 minutes. But I enjoy what I do as a life insurance agent. I sell auto insurance homeowners life insurance, but I love talking to people. And I listen. I listen if you haven't problems of what your current insurance agent can never get that person they never talked to you never will good advice to say hey, you know what you need to do this, do that or you just talk to you want to talk to your insurance agent. And it's not your insurance agent fault because your car insurance rates went up. We do not have that luxury all the time to sit back and adjust your rates. We don't have that we can't do that we are highly regulated. We are highly regulated. Now if you want to check me out. My name is Donald Marquez. I've been a licensed insurance agent in Southern Nevada, for the last 25 years without one complaint will check me out. You can contact the Division of Insurance right here in Southern Nevada and Sahara. And ask about Donald Marquez. Does that mean I have people call me and say Hey, can I trust you? Well, the state of Nevada trust me with a license that I've honored for the last 25 years. I've had it renewed every single year. I've taken necessary classes and requirements to be who I am to be a licensed agent to offer insurance. I represent multiple companies, they trust me, and you should too. I'm not going to jail for anybody. No, I've never been to jail and don't want to go to jail. But I've had people contact me and ask me you know, silly questions. You know, can I trust you? But I don't take any money in my office. By the way. I don't take you can't come in my office and say I want to pay for my car insurance and give you cash for it. I want to except that I take no money. I set you up direct with the insurance companies that wreck Do you pay them? You pay them direct no matter what it was auto insurance homeowners renters. Now what's your homeowners insurance of course we run that through your escrow account where they automatically take it out of your payment to you ask or can we just add your mortgage company onto your life insurance? I mean the on excuse me on your homeowners policy. Now your auto insurance, you pay the insurance companies directly can pay in full for the year but I take No money across my desk just to let you know, sort of put your mind at ease. The only those ones out there this curious, I have an impeccable reputation. And I enjoy what I do as an insurance professional. Everything's aboveboard with me, even the companies that I select aboveboard, because necessary for me to have quality insurance companies. I'm on the radio, I'm on the radio. So there's a lot of, you know, a lot of liability exposure there by being on radio. So I want to make sure and I am licensed and stocked and I am licensed and insured, to cover you know, whatever, whatever comes up, but I do not insure you. The insurance companies that we sent out select together ensures you, Don Marquez your insurance connection, or you can call me Donald, Donald mark is 70223626247022362624. You know, just about a year ago, I had my vents clean. And I just wanted to let you know that it can, it can prevent a fire expense, and I've been living in my house for over 23 years, okay. I've never had my vents clean. So when I saw this ad to get your vents cleaned from your dryer, people came out. They showed me the before and after pictures of my vent from my dryer, oh my goodness. You know, you can go online and find these companies that will come out and clean your air ducts out and your vents. You know, give them an opportunity to come and give you an evaluation of looking at your event because in your event from your dryer to your outside. It is full of lint from your clothes drying and that could spark a fire one day. You can put turn your dryer on and go to church or you know go to work and all of a sudden you come home and your house is on fire. I've seen it happen in my tenure. I've seen it happen. My name is Don Marquez, this is your insurance connection. 70223626247022362624 Have a great day to day. Oh boy you Football Bets come in. Football is getting you know, as we get more into the season, it gets very difficult to pick the right teams because you know the teams you think is going to win. You know there's an upset sometimes every now and then they'll they'll go these teams that go out there and do it for the coach. Come on raiders and the lady aces are doing well. I want to congratulate the lady aces doing that thing. Bring home another trophy. My name is Don Marquez again. 70223626247022362624. Set up an appointment, sit down have a good conversation about everything we can to weaken the things that we can do for your insurance to save you money or to improve your insurance that the current insurances that you currently have 702 to three six to 64. Enjoy your day. Until next time, just keep it crispy. Thank you for listening

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