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 0:21
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. Yes, good morning. Good morning. My name is Don Marquez. Welcome to another edition of your insurance connection. Broadcasting right here from K u and v 91.5. Jazz and more. Before we get started, I just want to give a shout out to the Las Vegas aces WNBA basketball team, they brought home the championship as you know, most Vegas know that already. But it's just a delight to be born and raised in Vegas. And to receive our first national championship. The lady aces they delivered. I mean, I watched a few of the games on television and wow, these ladies they really ball and they ball hard. So we got to support them throughout, you know, next season. And it's a pleasure. Nice to see the ladies get out there and just you know, shoot three pointers and just do a pain. You know, just get out there and just, you know, it's amazing talent. So the WNBA congratulations, and I'm glad the lady aces brought home the championship, the first national championship in Las Vegas, Nevada. The last time we felt his way is when the rebels won back in the believers back in the 90s were Tarkanian when the men's basketball team won. And so it's very exciting. You know and all the all the teams here in Vegas football, hockey, we got Bassett, ladies basketball, you know lacrosse. I just heard that about lacrosse. We got we have that too, as well. You know, congrats. All the teams they're bringing to Vegas. I hope they hopefully they, you know they they'll continue doing what they're doing baseball. I know, you know NBA basketball team who knows. Vegas is a grown city. Now, when I grew up here.

Unknown Speaker 2:23
It was only seven high schools. But look at us today. We're a full grown city with over 3 million people. And I just love my hometown and the people that are in it. You know, I wouldn't want to live anywhere else right here in Las Vegas, Nevada. My name is Don Marquez, this is your insurance connection. On your insurance connection. We broadcast right here. Kaitlan v 91.5. Jazz more Sunday mornings, from 8am to 830. In this programming, we talk about insurance, I educate you about your insurance concerns. I'm a licensed insurance agent, been licensed since 1996. I started with Allstate Insurance company back in the back in 90s 90s. Beginning of 97. I started with Allstate Insurance Company. I stayed there for a number of years. And I was recruited to triple A insurance company, which I finished my career out of AAA, and I retired from AAA back in 2015. And but I was bored, I needed something to do. And three months later, I went back to work as an insurance broker. Now as an insurance broker, it gives me the leverage to do the shopping for you. I could show up for you, I don't share your information with other insurance companies. I only share your information with other lead sources. When you go online. When you go on, and this happens all the time I talked to a lady last week in my office, she went online and she was receiving phone calls in the middle of the night. From from insurance agents was so what happens when you go online, they sell your information to other lead resources. And these insurance agents, they buy the leads and they call you and they sell well. You're one lead to multiple insurance agents, and this is why you're receiving all these phone calls. I know it gets annoying. This is why what I do what I do, okay, I represent you, and only the insurance company that we select will contact you or I'll contact you. Your business is not shared among other insurance companies or other insurance agents. And this is why you received a lot of calls not only for life insurance, but also for auto insurance. So when you go online, you put in all your personal information online and your phone number with all your details you age, it you know it's a lot of information. Why would you want to share all that information? I know it's convenient. You don't have to go in and talk to an insurance agent. I don't make house calls. My office is located on the corner of Rancho and Sahara and the US bank center located on On the eighth floor, work by appointment 702-236-2624 702-236-2624 is my contact phone number. Now as an insurance broker coming on the radio, and I talk about different, you know, different things about insurance people always ask, what is term? What is universal life? What's whole life? And we'll get into that. We'll get into that. But my main concern is, I want to ask you before we get into the details about those type of policies you can, you can get, I want to find out about you as an individual. I want to know about your health. This is how we prequalify you for the life insurance. We want to find out what medicines you're currently taking, or your history whether you're a smoker or a nonsmoker. Where are my smokers are really here for my smokers. I know you're out there you probably lighting a cigarette right now listening to this program. But listen, smokers you need life insurance. Now cigarettes cause morning gasoline, one pack of cigarettes cause more than one gallon of gasoline. Really it does. I mean, if you're gonna have to fill up and then you know get a carton of cigarettes, oh my goodness, that's a lot of money. So why not have some life insurance? And you may say to yourself, well, you know, I'm gonna stop smoking one day, or I'm gonna quit. But most of the time, most time people quit and they restart. But if you have stopped smoking for 12 months without a cigarette, no form of tobacco for 12 months, then we will not rate you as a smoker. We will not rate you as a smoker. Another thing to not have life insurance companies if you smoke cannabis. If you smoke cannabis, we will not rate you as a smoker if you only smoke cannabis. Here's another underwriting guideline question that, you know, I get asked from time to time. Well, I smoke a cigar on occasion. These other questions, I smoke a cigar on occasion, would you rate me as a smoker? No, we won't allow those you smoked cigars on an occasion, maybe one or two a month, we will not read you as a smoker. My name is Donald Marquez, this is your insurance connection 702-236-2624 702-236-2624. Now, I do offer no obligation reviews, when you come in with your own life insurance policy. I cannot pull the policies up online. You know, we don't have access to that. If even if I have your as a customer, I cannot pull your policy up online. We don't keep records of that. As when you receive your policy you bring in, we'll give you a full review no obligation reviews whether you purchase a policy from me or not. However, a lot of you right now sitting on term policies that's getting ready to expire. Now, if you purchased a term policy over 10 years ago, you needed an insurance review. Now some of these pot term policies, you can convert them over to Universal Life or whole life policy, if the conversion period is within the term, because when I say that the conversion period to convert the term over to Universal Life or whole life, it is limited or it could be the full term or the term policy, the order to find out the information. This is why we need an insurance review, to sit down and go over your insurance policy line by line. You know a lot of you take your insurance policy, you look at it, you know I got my insurance policy in the mail, I have the peace of mind that I need. And you just thought of policy in the in the safe or in the safe place in your home. But no one knows what the policy is. So when that day comes for all of us, and it comes for each and every one of us. There was no way around it. Your family members don't know what the policy is, especially your primary beneficiary. We're his policy. People come in your house and they tear up the house looking for your life insurance policy. That the reason why you bought the policy is to protect yourself and to protect your family. When that day comes and it comes for all of us. I have I hear a lot of people say if something happens to me.

Unknown Speaker 9:13
Okay, well the funeral home is now full of ifs. The cemetery is not full of ifs. You know, we get a certain age in life and you know, death does not discriminate when it comes to age. I've been to these funeral homes and I've seen children, babies, you know, senior citizens, young adults, all of them in a funeral homes. And you you ask yourself why this happens? You know, you'd never expected but you do have to prepare yourself. You do have to prepare yourself for the funeral costs arising today along with everything else. funeral costs today is anywhere from 12 to $15,000. To bury a loved 112 to 15,000 I am happy to say I did just sign up with an insurance company that will Oh not only offer your whole life policy up to $30,000 in coverage, but also within this life insurance policy 18 Gays casket is included, along with the headstone and the container that will save you 1000s of dollars when that time comes when the beneficiary goes in a funeral home with his new policy with his new company, I just signed up with the casket the 18 gauge casket let's talk about 18 gauge casket by the way. Now, I don't I don't sell pre need packages. But this life insurance policy I just started with the company. It has kind of a pre need element within the life insurance policy. It is a life insurance policy, but it offers benefits, where you can get an 18 gauge casket for a lot less than you would pay for it at the funeral home as the beneficiary. In other words, he's 18 gauge cast because they're averaging anywhere from four or $5,000 of up. Now do your 20 gauge caskets there are a lot less money because they're not as the quality the quality is not there. The high gauge you go up a 22 gauge if they even sell a 22 gauge casket you know you're gonna pay less money. Of course we are when we all bury our loved ones we want the best 18 gauge casket is your more quality casket your military grade type casket. Now those very expensive with with his new company I just signed up with with the casket included in the the contents of the policy. When that time comes and it comes for all of us, your beneficiary is going to reap the benefits or of not paying full price for a casket. Also headstones and we're talking about the upright so on to those who are extremely expensive today. They are you also receive a benefit at a reduced costs for the headstone and also the container the container now what is a container they put the casket now in a container and then when they put you on the ground or if they put you in a vault, these are reduced costs this in the life insurance policy. My name is Don Marquez for more information my contact number is 702-236-2624 702-236-2624 I want to be your insurance agent offer home auto life insurance, boats and motorcycle insurance. The weather is cooling down in Las Vegas and a lot of bikers gonna be out getting out you know knocking the dust off their motorcycles from their garage and getting out on open roads and enjoy it and join Las Vegas beautiful weather highways and you know scenic views that we have as motorcyclists. I'm also a motorcyclist. I can't wait to bike season come I can't ride my bike. During the summertime, my motorcycle sometimes they just really too high. But when they you know When autumn comes and you don't get out, you can drive around the lake right around the lake or go you know, just go to Pahrump muskie. Kingman nice rides on a motorcycle, we do offer motorcycle insurance at your insurance connection, I have multiple insurance companies that will work with you. On your motorcycle. If you have a boat, and you need boats insurance, we can also insure your boat 702-236-2624 702-236-2624 We have term insurance, whole life insurance. And yes, universal life insurance. Now Universal Life is like a whole life policy. Usually the universal life insurance policy starts at $100,000 as well as term and up. Now your whole life policy is a small policy for burial purposes, that builds a cash value asset. If you need to borrow money from the whole life policy, you can borrow money, as well as a universal life insurance policy. The universal life insurance is going to give you illustration page is going to show you your cash asset or even the what we call the return of premium. Now if you're looking into cancel your policy because you really don't need it anymore. You know you did well in the stock market or maybe you sold some real estate or you inherited some money. Don't ever call up a life insurance company and say I want to cancel my life insurance policy.

Unknown Speaker 14:28
Regardless of the type of policy you want to say you want to full surrender. You want to surrender your life insurance policy. If your life insurance policy has a cash asset in it. When you say I want to surrender your life insurance policy, you will get the money that's in the life insurance policy minus any loans. Keep in mind if you do borrow money from your life insurance policy, they may be a seven or eight or even a 9% interest rate on the money borrowed. You have to be careful with that. If you do borrow more anything on your life insurance policy, find a way to pay it back. It's going to be a separate payment from your regular payment, but your regular monthly payment on the on the money borrowed on the life insurance policy. But it's a good idea to pay it back or pay it down. And you know, you can contact your life insurance company, contact them and tell them, you know, I took out $10,000, I want to pay the loan down. That's a nice substantial take out, you know, when you take out that much money, but people do it, I've talked to people, they've taken out $20,000 of cash value in their life insurance policy, because they add something to come up. Now, this occurs only with a whole life. And the universal life term does not have a cash asset value term does not have a value now. Now with the term and all other life insurance policy, they have what we call an accelerated death benefit. What is an accelerated death benefit? Well, let's say you've been diagnosed with cancer and you have less than 12 months to live. So what you can do, you can contact the life insurance company and say you want to use a portion is called accelerated death benefit. Now what these companies will may charge you 10% on the money taken out up to 50%. Now, some companies go a little higher than 50% of the face amount of the policy that Dan sent money to you, while you're living, of course, you know, they're gonna find out from your doctor, you really have less than 12 months to live. So life insurance is also a living benefit. So you can close out your final expenses. Because when that day comes in is not if it's a when, when that day comes, your family is going to quickly realize how much it cost to fill out that you know, the just to take care of someone's final expenses to take care of final expenses. I mean, it's hurting enough to lose a loved one, just imagine losing, you know, a close relative, wife, or husband, mother, or father, even a child. Sometimes the family members don't have time to grieve, because they go into panic mode, because of what are we going to do now. And you just gain, you know, you do have to do something, you know, and other people does live and sadly, I don't care what happens to me, the only thing that's saying is, you know what, they don't care about the financial responsibility, there passes it on to another person, it shouldn't be that way. It's all as our responsibility to take care of final expenses. Because, you know, it's not fair to your loved ones, to put them in debt 15 $20,000 in debt, that's going to be a lot of debt, when you death is not free anymore. Yeah, I don't think it ever has been. But you know, back in the day, years ago, a couple 100 years ago, of course, you know, he's buried people on their property, you know, they would build a casket and out of wood. And they will put their loved one on the property build a headstone. You can't do that anymore. Can't do that anymore. And there are laws that will prevent that, you have to have a certain lot size in order to do that. And, you know, to put your loved one and the ground. But of course, you know, there's different religions, you know, some people will need to be buried within 48 hours. So they want to wrap all this is fine. But it all costs money. Even a cremation today, you know, what the ceremony the cremation is starting to get very expensive with a ceremony. Even without a ceremony is still you know, still pricey because the loved one is gone. But there are still other expenses, that could be medical bills, that could be a mortgage to pay a car payment car insurance to pay,

Unknown Speaker 18:49
you may have to move the loved ones furniture out of their home, you may have to fly out of town from you have to leave, you know, take time off from work and fly in town to do what you need to do take care of your loved ones final expense. So regardless of you know, well, you know, I just you know, cremate this individual and then when that day comes, and, you know, you think you're gonna get off cheap, but you may not. Because there are other expenses may have to be paid. Now, if you're a husband and wife and here's another one too, if you had a husband and wife and you share credit cards, not to say you are an authorized user, but you apply for those credit cards together, right, and then the credit cards and both of your names when your spouse passes away and they as a credit card balance, you could still be responsible for those credit cards. Now life is like this, you know, we were born to die, eventually will. It's just a new love. You know, love nature. It truly is. But when that day comes, are you prepared? Are you really prepared? And some people say well, you know, I can save that much money and you haven't up until then you You haven't saved that much money. And you know, because these funerals today, you're talking about 1215 $20,000. And then we're talking about the repairs, other expenses, medical bills, credit cards, car payments, car insurance. The bills just keep coming in utility bills. I mean, I can just go on and on. Those bills don't go away because you go away. That's my whole point. Life insurance is a substitute. Life insurance is a substitute to pay for those final expenses. My name is Donald Marquez, I'm an insurance broker. I can help you. 702-236-2624 702-236-2624 is my contact phone number. My office is located on the corner of Sahara, and Rancho right across the street in the palace station Hotel. On one block west of I 15. In the US Bank Center, located on the eighth floor, work by appointment 702-236-2624 702-236-2624. We'll work some Saturdays, my business hours are Monday through Friday, from 10am to 5pm. And if you don't want to come in the office, we can do a lot of business over the telephone. I really would like to meet you. It's always good to meet people now that we don't have the virus anymore. Well, let me let me back that up. We still have the virus. But you know, we, you know, I got my shots. I got my all my shots and my booster. And I'm gonna get another booster to before before winter hits. Add the weight this guy you gotta wait for you get that booster shot. And after I got my shot, you know what I didn't grow up next to toe. So if you're on the fence about getting the getting the shots, they were harmless. They were harmless. And then nothing happened unusual, you know, still have two eyes. I didn't grow another elbow. Get two shots. It's okay. Get your shots. I had the virus once. It's not fun. And I've lost a lot of friends. And you know from the virus that I did not expect that to happen. But it's the reality of the virus. And it's still around us. It's still among us. You know, I mean, last year last year, we couldn't go to the football game unless you had your shots over at the stadium. If you want to go see the Raiders I don't know if they're still doing it this year. But last year when I went it was wonderful too as well. I mean it was exciting to be in a stadium. Oh it's a lot of they played the main goals. And of course the Bengals went on to play in the Super Bowl. They lost the Super Bowl. But you know anyway, we got a chance to see the Bengals on the Raiders play. I love sports I do. I'm a sports fan on Sunday mornings it's just I'm so

Unknown Speaker 22:46
I'm glued to the television all day Sunday morning watching football. And I love basketball. I like baseball to move so when it comes more to the World Series, you know because you know the guys are standing around a lot and you know it's a slow game to watch. But you know football, a lot of action basketball, a lot of action. And you know watch tennis too, as well. But I love sports. I do admit that Vegas is becoming a sports is gonna we're gonna beat a sports capital on the planet. I mean, not only do we have the gaming and the entertainment, oh my goodness. People say I'm live in Vegas, but it has nothing to do. How can you say that? I mean, we have headline entertainment are up and down the strip. amazing restaurants. Amazing restaurant and the weather is going to be amazing here. If you just come to Vegas and this your first year in Vegas, and this is was a mouse I'm gonna tell you so along with the humidity. It was a little uncomfortable at times, but this was a mild summer. It was very mild. However going into October, November, we're going to have the best weather in the country. We really are. Maybe not like San Diego. Take the back Santiago got the best weather all year round. But Vegas does quite well. No we are from from October to next May. It's gonna be beautiful. Now if you come from the East Coast, and you know or Chicago anywhere around that area, New York, Ohio, Michigan, used to those winters with all the snow. Well, welcome to Vegas we don't see any snow if you want to go see snow go up to Mount Charleston. In the wintertime you could have all the snow you want to drive your car back down to Vegas and enjoy the middle of December with shorts on in your backyard. Enjoying your favorite beverage. You know I love this city. I do I love the people in and we're gonna say I was born and raised here. And it's fun growing up here and as always a pleasure to meet the listeners that come in my office and we sit down and talk about the insurance concerns. Home auto life insurance, we all have to pay for it. Why not have a representation and agent you can talk to I know so many of you like going online and doing all your business online. But you don't have representation. Now the life insurance companies, the auto insurance companies, they have insurance agents for particular reasons. Because we represent the insurance company. Any questions, you can pick up the phone and contact your insurance agent, say what's going on? You know, what's going on with this? What's going on with that? And you know, the biggest complaint, of course, we all get the car insurance rates. You know, as an insurance professional, I'm gonna tell you, we do not have any control over your car insurance rates. If you do get a speeding ticket, we have a professional that worked with me, her name is Christine Barnard. She can help get your speeding ticket reduced down to a parking ticket, if you have not already paid for the ticket, or you've made arrangements through the courts for the ticket to be paid. Now, I've heard people come into my office and they said, Well, you know, when I run a driving record, they said, Hey, I did you know I had a speeding ticket? Well, I didn't put the information in the computer. But when you went to court to the courts, the courts I don't know whatever other step they got to take to make sure that speeding ticket is reduced down to a parking ticket. I don't know maybe they don't make that extra step. But maybe you do need to follow through with the court that makes sure it is removed. My name is Dawn Marquez, this is your insurance connection 702-236-2624 702-236-2624 located on the corner of Sahara Rancho. In the US bank center located on the eighth floor. I work Monday through Friday, from 10am to 5pm. And Saturdays I will work on Saturdays, but I will never work on Sunday.

Unknown Speaker 26:44
I'm too busy watching sports. Like I said earlier. I like to have my day a rest chill out, relax. But you know, don't keep me a secret. Tell your friends, your relatives. And you know, family members have a conversation with them about life insurance. Ask your family members who is the beneficiary on the life insurance policy where's the life insurance policy? And when was the last time you had a review? I heard Donald Marquez okay, you have the 91.5 jazzy more often no obligation reviews. So let's take the buy life insurance policy and make sure it is what is supposed to be or if we need to make some changes. Let's do it now before it's too late 702-236-2624 702-236-2624 My name is Donald Marquez again. I want to congratulate the Las Vegas aces. Oh my god, this is so exciting. We have a national championship right here in Las Vegas, Nevada. And the ladies did it first. The ladies did it first. So you know what it's gonna raise the bar for the Raiders. And also the Golden Knights. So the bars raised fellas, you know the ladies did it first and as your turn to come through. I love it. Absolutely love it. We'll do this again next week, from eight o'clock to 830 next Sunday. And everybody just have a safe week. You know, don't text and drive. Please don't do that. That cause more ran collisions that you can imagine. Do not text and drive. My name is Don Marquez 702-236-2624 702-236-2624 I want to thank the customers that came in and purchase home auto and life insurance. Thank you for your continued support. My name is Dan Marquez, this is your insurance connection. We'll do this again next week. Until then, just keep it crispy. Enjoy your day

Unknown Speaker 28:43
You have been listening to a PE 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.

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