YOUR INSURANCE CONNECTION

Unknown Speaker 0:00
The following is a paid program sponsored by your insurance connection. Please be advised that the voices and opinions you hear do not necessarily represent the views of K, u and v Las Vegas, the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

Unknown Speaker 0:23
Good morning. This is your insurance connection. I'm your host, Donald Marquez, on your insurance connection. We talk about saving money on auto insurance, homeowners insurance. Yes. And we talk about life insurance. Welcome to the show.

Unknown Speaker 0:45
Good morning. Good morning. My name is Dan Marquez, welcome to another edition of your insurance connection. I did take a little time off. I took about eight weeks off just just to you know, regroup a little bit. Relax. I've been going at it strong since 2015. And I just needed to take a little time off for me. But I'm back. My name is Don Marquez. This is your insurance connection we broadcast right here at KU envy, not a 1.5 Jazz and more Sunday mornings from 8am to 830. So if you have a cup of coffee, and you know just listen to the information that I'm gonna give you about insurance, it's going to help you along the way. And also want to thank the customers that came in and purchase home and auto. And yes, life insurance will always talk about life insurance. On your insurance connection. One of my favorite subjects. Thank you for your continued support. Alrighty, a k u and v 91.5. Not only we have great talk shows, but our music at 91.5 is no one else radio station is like it so keep it locked right here at K u and v 91.5. Jazz and more for talk shows. And of course jazz and more. Today, let's get right down to it. Let's talk about final expense life insurance. People ask me all the time, what is final expense life insurance. final expense life insurance is a small life insurance policy usually comes in the form of a whole life policy. And it takes care of that final expense that burial. One day we all gonna have to face so one has to pay for your final expenses. And what does it cost today to bury a loved one? I've been asked that question quite often. And I keep a list in a cost list in my office. How much burials costs today I'm not affiliated with any funeral home and area are nowhere I'm just like to have those priceless sheets in my office from various funeral homes. So as a client coming in, you will fully understand what your final expense is convened. I want to make sure you have enough insurance. So your family members don't have to go into debt to pay for your final expenses. I hear all kinds of horror stories in my years. I've been an insurance agent since 1996. And believe me, I've heard it all. But these funeral homes today, they're not going to bury you if you don't pay for that funeral upfront. Now, if your loved one is, is being stored at a funeral home, that could be also a daily fee that they charge every single day. You know, when you're trying to get the money together to bury your loved ones. I've heard people even say can I use the deceased credit card to bury the loved one I mean, I hear all kinds of stories. You know if you don't have access to your family members, life insurance policy, if you don't know where the policy is, I mean, you can get a duplicate policy if you currently have a life insurance policy only thing you need to do is contact the life insurance company and ask for a duplicate life insurance policy. Once you receive your policy or if you already have your life insurance policy, offer no obligation reviews. In other words, you can bring your life insurance policy and I'll review it I will not charge you a fee. My name is Don Marquez, this is your insurance connection 702-236-2624 is my contact phone number 702-236-2624 We broadcast right okay you have the 91.5 Jazz and more Sunday mornings from 8am to 830. You can call me on a Sunday I will answer the phone or you can leave a message or you can also text me on a Sunday and I will get back to you first thing Monday morning. 702 to three 620-620-4702 to three six to six

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due for that is my contact number. My Location is on a corner of Sahara, and Rancho. In the US Bank Center, located on the eighth floor, I'll work by appointment again 702 to three 626 24. My name is Don mercaz, I do have a team member, if you need a power of attorney, if you need a power of attorney if you need a Will or Trust, or if you need someone to help you with a Will or Trust, or if you get a speeding ticket, we can get a reduced down to a parking ticket, we have a team member, her name is Christine Banagher. She can she's a paralegal, she's not an attorney, but she can help you to guide you through the process. If you have a speeding ticket, and you have not paid for it yet, perhaps we can get it reduced down to a parking ticket 702-236-2624. That's important, because every six months or every 12 months, your auto insurance policy renews. And if they see a speeding ticket on there, it could adjust your rates, it could adjust your rates, although you go to court, and the judge says well, you know, we'll reduce it down to a parking ticket that always did not does not happen. So, you know, we can help you get it down to a lesser charge a parking violation 702-236-2624 at your insurance connection. But again, we're talking about a whole life insurance, I just want to put that in there for Christine, I know she's listening.

Unknown Speaker 6:38
A whole life insurance policy benefits paid in 24 hours. In other words, when you lose your loved one, and that's a difficult time for all of us go through I've lost family members. And you know, the next thing you have to you have to grieve for a little while, but you have to go into business mode. I mean, you really don't have a whole lot of time to grieve when you lose a family member.

Unknown Speaker 7:00
You know, or if you have to fly from another state to come into Vegas or wherever you have to go, you really don't have time to grieve because now you have to go and taking care of these final expenses. Now, when you go to these funeral homes and your loved one is at the funeral home, they show you a price list of what everything cost. And I'm gonna tell you something these these prices are very, very expensive.

Unknown Speaker 7:28
Just look at the price sheets. I mean, they of course they want that. They want you to you know buy the you know the best the best caskets.

Unknown Speaker 7:38
They want you to buy the best caskets they want you. They'll show you all of that and you want all the best you can for your for your family member, you know, but you know, all this constant Alana money. I mean, your casket can run you five $6,000 Then you're talking about the plot, you know, the plot that may be $7,000 the headstone, you know, that's another $3,000 charge. I mean, the charges is just keep adding up. And of course, you have to rent a location, maybe a church, and that may cause you a fee. And then what about the repairs, flowers, limousines, All this adds up? The average cost today is anywhere from 12,000 to seven to $18,000 per funeral today. And they're backed up. Unfortunately, you know what the virus when we had the virus couple of years ago, we still have the virus today. But the funeral homes are just really backed up. I mean, people are waiting oh, about four weeks before they could bury their loved one. That's a long time.

Unknown Speaker 8:40
But just imagine not having a life insurance policy. Going into the funeral home and finding you know resources, from family members asking family members for money to bury your husband, to bury your wife or to bury your child. Now's an opportunity to take advantage of what you what you can get. You can get a life insurance policy. Don't think you can't get a life insurance policy. Maybe you've been turned down before for life insurance. With a whole life policy. There's no physical there's no medical exam. Just a few health questions I'm gonna ask you and there's simple yes or no answers. There's only 12 questions. For instance, do you smoke? Do you have diabetes? These are yes or no questions. height weight is not a restriction. I've ensured people weighed over 650 pounds Believe it or not. I've been I've seen a a person that was over 650 pounds and but I got them $25,000 With the life insurance. They could not believe it. They could not believe it. I can make it happen. My name is Don Marquez. This is your insurance connection. My contact number is 702-236-2624 702-236-2624 I cannot emphasize enough when

Unknown Speaker 10:00
He received his information in the mail from well known credit union banks, even insurance companies, and they often you travel accidental insurance or accidental only insurance, do not buy that. Most Life Insurance companies do come with accidental because accidental insurance means you do have to pass away as a result of an accident. It says it in bold letters, AXA dental insurance, and I know they target seniors and seniors as in their 60s 70s and 80s. This is their target market. And there's a reason for it. Because they know seniors in his 60s 70s and 80s, probably may or may not have any life insurance, something is better than nothing. So you see this information you get in the mail, you go fill it out, and you send it in they send you a policy in big bold letters. It says accidental only or travel accidental insurance. What does that mean to your loved ones, if you pass away and natural causes, it does not pay the policy face in mind regardless of the face amount. And you in your mother, your dad or your grandparents passed away of natural causes, and it was not an accident. And I can't tell you enough, a lot of car accidents on these accidental only policies are excluded, car accidents are excluded. And most of these accidental only life insurance policies.

Unknown Speaker 11:29
I know they come from well known resources, your bank, your credit union department stores, and even life insurance companies. As an insurance professional since 1996, I have never, in my career offered an accidental only life insurance policy to one of my clients. Now if I do have an opportunity to offer accidental only life insurance, it'd be a person like, you know, that would an Evil Knievel lifestyle, you know that does all that kind of wild stuff, then I can see a reason why we you would want an accidental only life insurance policy, you have to understand these accidental only life insurance policies. They don't pay, it is all profit to the insurance companies. They don't pay, they probably pay out. If they pay out this much probably less than 3% claims annually. Just imagine all those premiums they gather every single year, what you need is a policy that will benefit your family members. When that time comes in it comes for all of us, we don't know when or when our time is up, it would make my career a lot easier. If we all knew when our time was up, you know you'd say is that you know I got 10 years to live, I need to call Don Marquez and get some life insurance because I only have you know, my clock is ticking only 10 More five more years to live, I need to get some life insurance, I need to get some right now. But we don't know. We don't know we talk about weight, you know as elder. As we get older, we see the frequency of our losing family members and also our friends. I've witnessed it, I've been to a lot of funerals. And within the last four years, and I'm gonna tell you, I'm losing a lot of my friends, I've never understood why my mother when I was a lot younger, she kept a lot of obituaries. And as a mom, why are you Why are you keeping all these obituaries? She said All my friends are dying.

Unknown Speaker 13:27
And I and I'm witnessing the same thing to frequency. I'm here and at least once a month, someone that I grew up with Oh went to school with that that often had as passed away. And you know people gather and people haven't seen in a long time and you know we some sympathy for the family and you know we go show

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show our respect at these re passes and also at the funerals. But you know, sometimes people are not prepared. They're not prepared for the cost of burying a loved one.

Unknown Speaker 14:04
A simple life policy at your insurance connection. We can set you

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in a lot of these policies you could be insured day one will a final expense life insurance policy. Again, there's no health examination to apply for just a few questions. One page, easy application and most people will qualify for the insurance, even with health issues. If you have diabetes, a history of lupus cancer,

Unknown Speaker 14:33
diabetics, I know you've been turned down for life insurance. I hear it all the time. You know I've I've applied for five life insurance companies I've turned there was all of them turned me down. And they don't even they don't even ask you what your a one C is they say are you a diabetic? That's it You a one C could be below seven. Now whether you take an appeal or you have to take injections, we can get you a life insurance policy everyone is different regardless of

Unknown Speaker 15:00
What is someone else's paying for life insurance, they may or may not affect you. Because we look at as an individual basis, I represents 67 Life insurance companies, I can find a company that will fit your budget and fit your needs 702-236-2624 702-236-2624. Now with a whole life insurance policy, you can also get accidental insurance attached to the policy as a benefit enhancement. Now, again, I don't offer accidental only policies, but I'm, I'm very comfortable offering whole life with an accidental death benefit attached to it. Now with the accidental death benefit attached to it, it does cover car accidents, or if you turn a mouse away from your legal residents, it also is a benefit in there, that will reimburse you for transporting your remains of your family members from one state to the back to Vegas, if that's the case, it'll really get you reimbursed for the transport. Now, why is that important, because it's very expensive to move a body. If you just came by a seat on the plane, and you know, buckle up,

Unknown Speaker 16:23
your deceased loved one, you just can't, you can't do it that way. Of course, there has to be a container, it has to go to a funeral home, and the container has to be boarded on the airplane, you know, with temperature controlled, it has to be received here, when it comes to town, Israel, for instance, is coming to Vegas, the the remains are coming to Vegas, a funeral home has to receive the container in contact you. So that's a very expensive cost. With a life insurance policy, with the benefit in there as a reimbursement and the charges are very minimal. So don't ever think you know, you cannot afford life insurance. You cannot afford not to have life insurance. One of the leading causes of bankruptcy today is because people are not prepared when they lose a loved one. And when it comes to you know, people passing age does not discriminate. When it comes to death.

Unknown Speaker 17:25
You know, I know infant's has passed away. I know teenagers who have passed away people in their 20s and their 30s 40s 50s. And up. I mean, throughout my lifetime you see it, and it happens. But don't ever think it cannot happen to you. What makes you special and cannot happen to you is going to happen. My question to you is are you prepared? Do you have a final expense life insurance? Or do you have a life insurance policy at all? Now, you may say to yourself, yeah, I have life insurance on my job. I'm not concerned about it. What if you lose that job? Well, what if you retire? Or you know, and or they've changed your position? And you can't, you can't have that job anymore? Maybe, you know, they said, Well, you know, if you can't go because the job now is in another state. Or if you can't, you know, perform your duties for whatever reason, you may lose your benefits. A lot of people when they retire, they lose benefits. And they find themselves when they were working their way with a group policy. A group policy is a term group policy through your employer, a lot of times they offered three times your salary. And people they'll say okay, I'll take that three times my salary. But if you're gonna pay for life insurance, have some options. Look at some options. If you're gonna pay life insurance through your employer, look at your options, you're better off with your own individual policy regardless of what the job does, whether they you know, they they move your position or you retire, because when you retire every single year on the policies anniversary, or your date of birth, right the policy will go up. Or if you experience the right now with your current life insurance policy. You see the rates adjusting on you every year you need it insurance with you no obligation insurance with you. My contact number is 702-236-2624 My name is Don Marquez, this is your insurance connection 702-236-2624 Let me take the worry out of you know you concerned about you know, I don't have any life insurance and some people are a little embarrassed when they come to see me because you know, I should have did this a lot earlier in my life, but it's never too late.

Unknown Speaker 19:50
It's never too late to get life insurance. It's not so don't don't think now when you turn age 85 You know that's that's getting up there in age and you know

Unknown Speaker 20:00
Don't have any life insurance. If you turn 86, then you're out. Because life insurance stops at 86. As far as purchasing life insurance, don't wait that alone, your family members cannot afford to bury you. Let's say for an example, let's target let's break it down

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a funeral 15,000 for the funeral, now there's a mortgage or rent to pay, you have to pay the mortgage and the rent, maybe there's even a car payment, car insurance left behind has to be paid. Or you may plan on selling your loved ones home. So the house furniture has to be moved out of the home, you have to get it prepped, ready, maybe the walls need to be painted. Or you need to fly from out of town. You know, you have to leave your job, take time off in the job come might come out of town come in or Las Vegas or wherever you need to go and get it ready to sail. And a lot of times, you know family members inherited you do this because you need to go back to your life. Regardless if you have to go out of town or you're in town. All of this costs money. The utility bills if you have a home has to be paid. Or if there's a surviving spouse, and there are dependent on that loved one that that was alive. That income may be reduced or maybe stopped altogether.

Unknown Speaker 21:25
Something is better than nothing. I take each individual case by case. I represent 67 Life insurance companies. I'm an IT professional insurance agent. I've been doing this since 1996. I'm born and raised in Las Vegas, Nevada. I love my city. I would love to meet you. My contact number is 702-236-2624 702-236-2624. My business hours are Monday through Friday from 10am to 5pm. Located in the heart of our beautiful city, Las Vegas, Nevada. And we're right across the street from the palace station hotel in the US bank center located on the eighth floor 702-236-2624 Our work by appointment 702-236-2624 If you can call me you can always text me, I'll get back to you. And we're gonna go over your case by case at your insurance connection. Not only we offer life insurance, we also offer auto boat motorcycle insurance. Yes, and renter's insurance. Now, if you are a homeowner and you know you are experiencing your homeowners insurance rates are going up because they are have been going up in the valley. I've noticed the homeowners insurance rates are going up in the valley, primarily because the claims water losses. Some of your homeowners insurance policies do not cover water losses. You have to read your policy once you receive your policy in the mail. Just don't look at the price. Look at the coverages. Or sometimes you can call your insurance agent for your auto insurance. Hey, I'm paying way too much everybody complains about that. That's the number one complaint. Being an insurance professional as the auto insurance in Vegas is high. I think we're somewhere around the fifth highest in the nation for auto insurance. But sometimes, you know insurance agents would that don't do the cut corners. So they'll take off the uninsured motorist, they'll take out the towing the rental car, just to keep your business. I may or may not tell you they're reducing the coverages on your auto insurance policy. But what happens if they take an off to the roadside assistance and all of a sudden you get a flat on i 15. And it's 180 degrees outside

Unknown Speaker 23:57
I would know how to change a flat tire. I'll pick on the floor pick up the phone and call my motor club. Come get me and come to my vehicle or something because I don't have a spare these vehicles they don't come with spares. And a lot of you do not have what they call run flats.

Unknown Speaker 24:14
Don't compromise coverages because you never know when you need them. The reason why you have these coverages on your auto insurance because things do happen. Things throughout. My name is Don Marquez. This is your insurance connection again. 702-236-2624 is my contact number. Again I want to thank the listeners that contacted me and came in and purchase home auto life insurance. I love meeting people. This is one of them. This is it was meant for me to be an insurance agent. I started with Allstate Insurance Company. I was I went to school in 96 the end of the year of 96 I passed my first exam think the day before Thanksgiving I'll never forget back in 1990

Unknown Speaker 25:00
Since I was so nervous, I passed the life and health examination. And

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the gentleman walked me down the hall and said, Sarah, Happy Thanksgiving. I want to let you know you pass the exam. And I said, Why don't you walk me down out because he because people are still taking the test. And I don't want you to get too excited and scream and just yell or anything like that disturb people while they're taking the test. Well, but when I went outside, I was like, yes, real life.

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And the next day was Thanksgiving. But since then, I've been an insurance professional haven't done anything else. I love to meet you. I started with Allstate Insurance Company in 97.

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And

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wonderful training at the Allstate Insurance Company stay there long enough to have my own own agency. For seven years, for seven years, I stayed at auslin learn a lot in seven years worth of Allstate Insurance Company. However, if you enjoy what you don't, other companies will look at you. And if you're good at what you do, other companies will recruit you, I was recruited to triple A insurance company, stay there long enough to retire. I retired in 2015.

Unknown Speaker 26:12
board after being retired for just a few months, and decided to be an insurance broker. When I was a captive agent working for Allstate, and also AAA, I can only sell their products and services. As an insurance broker, I have a lot of leverage, because now I represent more than one insurance company. I represent more than one auto insurance company more than one life insurance company. I do the shopping for you. I do not share your information with other companies as far as someone who else is going to call you other than me or the insurance company that we represent. When you go online, and put all your personal information online and you receive a lot of phone calls. Well, you put it out there, and you're gonna receive calls. I mean, after you purchase the insurance, if you purchase insurance online, you will receive calls three, four weeks later, people asking for your business, don't let that happen. I will not share your business. I will not share your business with any company or I don't sell your phone number to any kind of lead company. Because that's what happens. Once we sit down and have a confidential conversation, we select the insurance company that fits your needs. And that's the only that's the only company that you will be contacted by or, you know, you pay them directly and you pay them directly I take no money across my desk. No checks, no cash. Unless you want to buy me lunch or something like that. That's it but you pay the company direct. Not me. We'll set you up your insurance connection. 702-236-2624 702-236-2624 Last week, we had a Labor Day holiday. And you know hope everyone has a safe holiday. But you know, we got to stop texting and driving. I've noticed a lot of car accidents as a result of people not paying attention because they're on the phone and then texting and driving. That's one of the number one reasons why we have rear end collisions. And that will that cause your car shows to go up? Absolutely. And people say well, I've never had a car accident before. Well, you have one now and they cause injuries to others. Accident Forgiveness is not always forgive it because you may lose this counts. This is why it's important to have an insurance review. I can help you with an insurance review. My name is Donnell Marquez, my contact number again is 702-236-2624 702-236-2624 KB lar Greg here at K u and v 91.5. Jazz and more of course we're gonna have music today Sunday morning. And other we have talk show Saturday Sunday and keep it locked right here for the smooth this jazz in town 91.5 Jazz and mark my name is Donna Marquez. This is your insurance connection. I want everyone to have a wonderful day enjoy football. Enjoy football today. I hope your team's win and win a lot of money so you can buy insurance 702-236-2624 702-236-2624 My name is Darren Marquez. That's it next week. Thank you for listening just keep it crispy.

Unknown Speaker 29:45
You have been listening to a paid program sponsored by your insurance connection. Please be advised that the voices and opinions you heard do not necessarily represent the views of K u and v Las Vegas, the University of Nevada Las Vegas or the Board of Regents of the Nevada System of Higher Education.

Transcribed by https://otter.ai