YOUR INSURANCE CONNECTION

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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. 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. Good morning. Good morning. Happy Sunday morning. My name is Don Marquez one we toured another edition of your insurance connection. I've been out for a while had to take some time off to for me I've been busy working for the last seven years in just having been on a radio for the last about last seven weeks had take a little time off for me get rejuvenated recharge, very busy at your insurance connection at your insurance connects them we offer home auto yes and life insurance. We always talk about life insurance on your insurance connection to keep you updated on your life insurance policy. Now of course, we always we always edit insurance review when you come in with your policy information. On an auto insurance review, we review your auto insurance coverages, line by line, as well as your homeowners or renters insurance policy. We'll combine those two together to give you a we call today and our insurance industry, the bundle the bundle we used to call it the multi policy discount, they change the name I like to bundle better than a multi policy discount sounds sounds more catchy. But anyway, we broadcast right here K u and v 91.5. Jazz and more Sunday morning from 8am to 830. Thank you for sitting down having a cup of coffee or whatever you're drinking today and check out the show. You know again, my name is Don Marquez, I'm an insurance broker. I've been in this business now since 1996, I was granted the opportunity by a program manager and also general manager over at K u and v 91.5. Ashton, and he allowed me an opportunity

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to come in and talk about insurance. It's valuable information for our listeners, because it updates you on what's going on in the insurance industry. Now right now, especially for the life insurance since we've had the virus. Since we've had the virus for the last couple of years now we're going in almost three years with the virus. You know, people are really concerned about their life insurance, they want to make sure if that portrait but if something happens prematurely to them. In other words, if they pass away prematurely, or any of their family members pass away prematurely, they're prepared to pay that large, expensive funeral bill. These funeral bills today is up in the $15,000 range for traditional burial. However, if you are a veteran, okay, if you are a veteran, if you decide to get you want to be buried at the Boulder City Cemetery, your plot is free, your headstone is free opening closing, that's that's about a $7,000 average about a $7,000 savings today. But if you don't, if you're not a veteran, and you have a loss of loved one, this show is important to tune into because it'll make you better understand we're gonna talk about life insurance today. It hope you bet hopefully, you'll better understand what type of life insurance policy you need for your family. Now, one box doesn't fit all what I mean by that, of course, when you watch television right now we're watching football and tennis. Congratulations to you know, Serena Williams, you know, at the US Open. This is her last hurrah at the US Open and I wish her nothing but success. She has changed the game of tennis. And you know what a wonderful years to watching her play tennis over the years. And also Hey, you know, I give a lot of thanks for for Mr. Davis, bringing in the Raiders. Yay. Let's go Raiders. And of course we have the ACES two, right here. Vegas is a real city now. So we have a large population when I grew up in this town wasn't many people here at all. We only have about seven high schools. But look at us today. And what the what the virus, you know, we have for the last couple of years people have gained a significant interest about life insurance. They want to make sure you know if they have a premature past and I don't like to use a phrase, if something happened to me. I never could figure that out. When people come to me and say, you know, I want to get a life insurance policy. If something happens to me.

Unknown Speaker 4:35
Think about that for a minute. If something happens to you, what does that mean? I mean, okay, we all going to die eventually we all have a number of we're going to pass away. But when you pass away, you want to make sure that everything is in order. So your family members don't have to go into debt. One of the leading causes of bank robbery is because family members fail to act they failed.

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They get a life insurance policy, or they fail to sit down with their family members to say, You know what, this is my life insurance policy, you are listed as a beneficiary. It is a tough conversation to have with your loved ones. But as they it is a necessary conversation to have with your family members, regardless of your age. If you have a family, and you do have a life insurance policy, you talk to them about the life insurance policy. Now, if you've had a life insurance policy for many years, and you haven't had an updated review on your life insurance policy, now it's time to get a review. I offer no obligation insurance reviews, with home auto Yes, and life insurance. Let's make sure that life insurance policy is in order. Let's make sure that life insurance policy is not going to lapse while you're still living. And what does that mean? In other words, that you won't outlive your life insurance policy. Now term insurance, you could outlive term insurance because this term, the maximum use you're gonna get on a term insurance product is 13 years, not 30 years, believe it or not goes by in the blink of an eye. Matthew in your mid 30s. This is an opportunity to get a lot of life insurance for low cost protect that young family that you have. And in addition to that with a young family, we can add the children on his child writers. Now you have a policy on yourself, and you have a policy on your children to His will. My name is Don Marquez. My contact information is 702-236-2624 702-236-2624 My office location is on a corner of Sahara and Rancho in a beautiful US bank center located on the eighth floor, right in the heart of a beautiful city of Las Vegas, Nevada. All roads lead to Sahara and Rancho now I'm one block west of the i 15. Right across the street from the palace station Hotel Casino in the US bank center. You can't miss it. It's a tall brown building with US bank on the top. However, I do work by appointment 702-236-2624 My business hours are Monday through Friday from 10am to 5pm. And there are some Saturdays I will work I don't work on Sundays because I want to stay home and watch football in the US Open and everything that's going on in sports. I'm a sports fan. I love this sports. And I love the fact we got a football team here. Oh my goodness, that's huge. We have the aces and who knows when they will have a professional basketball team and baseball team as well. But I'm excited today because you know we're starting we're we're getting ready to start to cool off. Oh my goodness, I'm tired of the heat, aren't you? It's Labor Day weekend. I know people aren't having a good time on the lake. They're barbecuing, you know, it's a good time to talk to your family members about insurance. Everybody's getting together on the Labor Day weekend, people are traveling from out of town, you know, families are getting together, talk to your family members about insurance. Really say Hey, Dad, Hey Mom, do you have a life insurance policy, talk to your grandparents about a life insurance policy. Find out where the policy is who's the beneficiary. Now if you have grandparents or parents that have lost their spouse, and they have not changed the beneficiary on a policy that could cause a problem later on down the road when you lose that loved one. This is why it's important to have an insurance review. I offer no obligation. In other words, they don't cost you any money to come in with your life insurance policy. Sit down with me in my office, and we'll reveal your policy. My name is Don Marquez, this is your insurance connection 702-236-2624. I give my phone number out quite a bit. So hopefully you'll write it down or put it in your phone. You can also text me and I will contact you back 702-236-2624 Now if you have under underlying health conditions such as diabetes, lupus, a history of cancer or if you've had a heart attack, heart surgery or congestive heart failure, don't give up we can get you a life insurance policy. I know many of you right now listen to this broadcast probably have been turned down for life insurance. I represent 67 Life insurance companies. I'll find a policy for you. I will find a policy for you. I know don't get misguided by all these commercials you see on television. You know rates start as low as 995. Listen what they say. rates start as low as 995. You know, I want to get that 995 plan. What does that mean to you? How much is insurgency you think do you can get? I'm sorry? How much life insurance can you get for 995? Think about that. 995 What can you get? You can get barely get two gallons of gas for 995. Really? So it's only about $1,000 worth of life insurance but the prices start at 995 I don't off

Unknown Speaker 10:00
Without that coverage type of coverage, I don't give any gimmicks when it comes to that. It's simple. The life insurance rates are based on your age and your health, whether you are a smoker or nonsmoker, where, you know, sometimes we do look at height and weight, but not always. But if you do have underlying health conditions, like I said early in a programming, diabetes, lupus, a stent in your heart history and cancer, COPD, heart disease, liver disease, we can get you a policy, even if you have a loved one that's on dialysis, we can get you a life insurance policy. Now we do have a whole life product, it is a whole life insurance policy up to $35,000 in coverage. Now, you may say that's not a lot of coverage. But something is better than nothing. With the average funeral costs at $15,000. And you have a $35,000 life insurance policy. That will go a long way with a lot of family members, it will and they have some money left over to take care other final expenses. When it comes to final expense. Life insurance is a substitute for those expenses. Let me say that again. When it comes to losing a loved one, and there are going to be expenses. No one dies for free. No one dies for free. I know people that bury their pets in in a pet cemetery. They spend a lot of money on their pets and their pets are like a family member. I've had pets myself, you know, and I had to put them down when they got a little too old or one of my pets died of old age. So I knew the process of own and having a pet and having to put a pet away that final expenses associated with a pet. Now let's take you and people that you know, family members that pass away How much do you think today it will cost to bury a loved one now some people say you know what, I want to be cremated. You know, just spread my acids over you. I don't I don't care. You should care. Anytime you have a family member talking about they don't care. Because they're telling you. They don't care about paying for their own final expenses. That responsibility is left up to you. Now you're a young family member with a young family can you take on the burden of a $15,000 funeral services? Now you may have to pay the mortgage or the rent of a loved one flat a town for funeral services. Move the furniture out of their home pay a car payment these are final expenses yes they are. So if you have a family member with underlying health condition like a missing early in the show, lupus cancer had a history of cancer heart disease. Let's go back to cancer a little bit. Now with the cancer if you use stage one, stage two cancer and you have more than more than a year, more than 12 months to live we can get your policy okay. But if your stage four we really can't help you but if you stage four and you've been around for quite a while we make in every case is different. Like I said earlier, you when it comes to life insurance, one box does not fit all contact me at 702-236-2624 for more information 702-236-2624 My name is Donald Marquez. I'm a licensed insurance broker. I love what I do I love this business. I do. I was born to be an insurance agent. I've found my calling my purpose in life, because I've helped so many of you over my many years in the insurance business since 1996. And it's only seems like yesterday and look where we are today. 2022 going into September hopefully Vegas is going to cool down within the next few weeks.

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Because I was born and raised in Vegas, and I just can't take the summers anymore. And you know, believe it or not. If you just move into Vegas, and this is your first summer this has been a mild summer in comparison to other summers that we've had. This has been a very mild summer now who isn't it? Oh, the furnace may turn up a little bit just to spank us a little bit just to let us know we can still get into one fifteens 112 temperature but right now um, you know we are on cruise control because about three weeks from now. You know the timber is gonna cooled down and get down into the 70s and 80s Oh man, it's gonna be really nice. And we're gonna have a live demo for quite some time until May hits next June and July and August. But for right now, you know this is the weekend holiday weekend Labor Day weekend. And you can watch you can wear white after Labor Day. People like you know I got to put on my white gloves up because it's after labor they know you don't you can wear with what you want to wear. This is Vegas. You know you can wear shorts and December. And Vegas in January was called wear everywhere else is cold across the country. We'll walk around with T shirts and short pants on and winter in Vegas. That's how it is in Vegas. So that being said, let's get right down to the insurance game because I get a little carried away but I like to have fun. This is a fun show. Insurance can be a little boring. I've been doing this since 96. I've been an insurer

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As businesses 1996, I can get a little boring, but what my gratitude is when family members come to me, and they say, thank you so much for convincing my dad or my mother to get a life insurance policy, because I lost my parents, you know, it was the transition to go into the funeral home was very easy for us. Because we were prepared. When we lost our family member, we were prepared because they listened to your show, they came in and purchase the policy. Now, if you're a young family, you can't take that you can't absorb a 15,000 $20,000 funeral. Funerals cause more just if you don't want them themselves, there are going to be other expenses. You know, don't get caught or don't leave your family with those other expenses. It's up to each and every one of us as parents, as as people not to put our family members in financial debt. Now, if you want to get a life insurance policy, more than $35,000, we can offer that too. In your insurance connection. Again, I represent 67 Life insurance companies. If you're looking for a policy 100,203 100 And up, we can provide that to at your insurance connection. We also have a team member at your insurance connection, her name is Christine Barnard. She is a paralegal. She can help you with your legal issues. He can help you with the wheel. If you need a trust, she can help you with that as well. And this is one of the greatest assets I have with working with Christine, if you receive a speeding ticket, do not pay the speeding ticket, we're going to contact Christine at 702-236-2624 702-236-2624 She can get that speeding ticket reduced down to a parking ticket. So when we ran your driving record every year, when your policy renews, the insurance companies renew your policy every six months or every 12 months, and the reason why they renew your policy on those six months or 12 months dates, because they want to take a look at your driving record to see if you have any speeding tickets. They see if you've been in a car accident, whether it's your fault or not. It could address your rates. However, would Christine Benard as a team member will get that speeding ticket reduced down to a parking ticket. And I know people have come to me and said you know what? I've been to court to get that reduced down to a parking ticket. But when I ran the run, I run that driving records, I can see the speeding ticket. I don't know what additional step you need to take it at court. When you go to court to reduce that down to a parking ticket. I'm we're talking about a speeding ticket. But you know what? Christine Barnard she has a contact to get it reduced down if you hadn't already made arrangements to pay your speeding ticket 702-236-2624 702-236-2624. In addition to having Christine reduce, you're speeding down a speeding ticket down to a parking ticket. She can also provide notary services as well. 702-236-2624 Christine Banagher team member at your insurance connection, a whole life policy where there is no health examination to apply just a few other questions. One page easy application that I fill out. Now if you don't want to come in my office, that's okay too. We can we can do this business over the phone we can handle the life insurance over the telephone what now what the virus of course the insurance companies has allowed us to, you know, make this happen over the phone. If you need a life insurance policy, or auto insurance. We don't need to see you face to face we can also also do it on the land to keep everybody safe. And to keep that you know you don't have to get in your car and burn up the gas because gasoline is very expensive. My smokers where are you?

Unknown Speaker 18:58
My smoke has never called me I know you right now you probably having a cigarette cup of coffee, listening to my radio talk show. And you're smoking a cigarette, no life insurance. Where my smokers, the smokers don't call me you know, a gallon of gasoline is cause less than a pack of cigarettes.

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a gallon of gas now if you go to fill up,

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and I need a carton of cigarettes to along with that fill up Oh oui, that's expensive today. But if you reduce your cigarette consumption, if you just say, you know, I'm gonna reduce my sick instead of smoking a pack a day. I'm gonna smoke less than a pack a day. So I can afford this life insurance policy because I know I need it. I need a life insurance policy. Everyone needs a life insurance policy. Now if you really get to saving money, which most of us are not, you know, I mean, because my money's tight inflation is right here. But you know, we can always make adjustments we do we make adjustments for everything. Now when I get in my car

Unknown Speaker 20:00
When I get in my car and drive around, what I do is is I want to make sure I hit the stops, I need to make I make a full circle and work my way back home.

Unknown Speaker 20:10
So I can consume less gasoline, this is this is what I do. And I pick a day of the week, get everything done as much as I can. And this is an adjustments we all make in life, you can make an adjustment in your budget to pay for a life insurance policy 702-236-2624 702-236-2624. Now, the life insurance companies, credit card companies credit unions, they target seniors with this accidental only life insurance policy.

Unknown Speaker 20:45
Accidental only means exactly what it says is accidental only, so as not going to pay for a natural cause passing. In other words, if you pass away from heart condition, or just old age, or you just pass away in your sleep, that accidental only life insurance policy is not going to cover your final expenses is not going to pay. Regardless of how much you pay in a month. Regardless of how long you've had the policy. I had one lady call me and say I heard your show on the radio. And I've had this policy, this accidental only life insurance policy for the last 20 years. I'm just it's hard for me to give it up. I said, Well, how much life insurance do you have? She said, Well, I have $200,000 worth of accidental life insurance and I only pay $6 a month. Come on now. Come on now.

Unknown Speaker 21:32
Now, I said do you drive ma'am? She said no, I guess the bus everywhere I go. The Accidental life insurance policy is not going to protect you for natural causes. So you know, after going back and forth with her for a little while, and I It's okay to talk about her on the show because she said it's okay. She was convinced that the accidental only policy was the policy she was going to keep. But after, you know, going through a brief conversation with her, she finally realized that you know what, this is not the right policy for me at this time.

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This is not the right policy for me at this time if you have accidental life insurance. And that's all you have. You need another policy that is subsidized for natural causes. 702-236-2624 702-236-2624 is my contact phone number. My name is Donald Marquez, I'm an insurance broker born and raised right here in Las Vegas, Nevada, I want to help you better understand your insurance. I do if you have a life insurance policy that has cash value in it, and you've borrowed money against your policy, this is why you need an insurance review. Because that money borrowed you probably haven't paid it back, the money borrowed. It's accumulating interest. And the interest rates on these policies that you borrow money from. That money borrowed does carry interest, annual interest about anywhere from six to 8%

Unknown Speaker 23:01
annual annually. So we have what we call in the insurance business the rule of seven. Now, if you haven't paid on that money borrow for the last seven years, that money could double in seven years. And in 14 years, it could double again. So regardless how much money you borrow from a policy, find a way to pay it back. Now if you don't pay anything back, they will minus the money and borrow from your desk, from your face amount at the time of your passing. 702-236-2624 is my phone number is 702236262 for one of the reasons why I bring it up on a $10,000 policy. I've seen people with $10,000 life insurance policies, they borrow a couple of 1000 they borrow $2,000 from their policy.

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Now their policy is reduced down to $8,000 plus interest. So now it could be down to if they hadn't paid it back in 14 years. That $2,000 Now can become 8000 real fast because it's going to double and seven and seven years. So now you went from 2000 to 4000. Right another seven years go by a doubles again now you from 4000 to 8000. Now you only have $2,000 left of life insurance. Don't let this happen to you. I've seen it happen. 702236262477022362624 is my contact phone number. My Location is on a corner of Sahara Rancho in the US bank center located on the eighth floor, work by appointment 702-236-2624 Now if you want to put your phone my phone number in your phone, you know you could do that you can text me if you have work and you can't you know even on the weekend I have people do call me on Sundays. It's okay to call me on Sunday right after the show because sometimes I do receive calls on a Sunday, right after the show and this this show was pre recorded. So at

Unknown Speaker 25:00
At 830 in the morning, usually I get calls after 830, which is fine, you can contact me on Sunday, I'll book in an appointment, and we can make it happen. Life insurance is affordable, we'll find a policy that will fit in your budget. We can I mean, if you're a smoker, you do need life insurance. You know, you do need life insurance. You know, when it comes to when people pass away, I It breaks my heart to hear that young people are passing away without any life insurance. And family members have to come up with a lot of money to even to bury these young people. I don't know what's going on. But it happens all the time. I've had people come in to tell me that you know what, I've lost the 30 year old, I lost the 35 year old, I lost a teenager. It just goes on and on and on. And I don't want to be caught without life insurance. That's not going to happen again to my family. It can happen to you can happen to anybody.

Unknown Speaker 25:57
It can happen to anybody. So don't don't think you're immune to it.

Unknown Speaker 26:02
And the older you get, the more you realize you do need life insurance. And I've had people also come to me and say, Well, you know what the life insurance policy cause I can save that amount of money. Look at life insurance as a savings. Because what you put you may put less in it than it'll pay out. Or if you think you've put in more too much into your life insurance policy with the face amount is you can always surrender the policy. Okay, you can always use a paid up insurance part of the policy and the policy, what a reduced face amount will be enforced without you making any more payments. Because sometimes people make the mistake of canceling their life insurance policy because I can't afford that I got this to pay in at the bank. Well think about reducing other luxuries you have. What about you know all those premium cable channels you have? What about the newest phone do you really need the newest phone with all the phone features on that pen? Almost $200 a month for a phone.

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You know, I mean I remember when TV was free.

Unknown Speaker 27:04
But now look at it. It's a utility now and that's something it used to be free. We can find a way to make adjustments in your budget to get a life insurance policy. This is important so your family members won't go into debt. They already have their own debt they have the rent to pay the mortgage to pay their the children this to sit in the school with school clothes. Everything is going on this time of the year. They're this very expensive college. And now here comes a funeral. Oh my goodness.

Unknown Speaker 27:31
Now you never expected to happen but sometimes you know when it's going to happen sometimes you know what's going to happen is coming. But when you when it comes unexpected and all of a sudden oh my goodness, I just rolled my child and UNLV and that you know I just paid their tuition at UNLV Oh my God, here comes a death in the family.

Unknown Speaker 27:52
We didn't have any life insurance now we have to do something. I can help you make a decision. Protect family protection is very important. If you need a life insurance policy 100,000 200,003 and 1000 and up we can help you with that. But if you have family member has been turned down for life insurance or they don't think they can get life insurance, regardless of their height or weight are insured a gentleman sick over 600 pounds. On some of the policies that I have. There is no question how much you weigh how tall you are. 702-236-2624 702-236-2624 is my contact phone number. My name is Donna Marquez. This is your insurance connection 702-236-2624 You know this is the weekend to celebrate last weekend of the summer. You know as I said earlier, a few more weeks will cooled down a little bit. And you know enjoy your family members talk to him about life insurance. It's very important. We offer at your insurance connects an auto insurance panel a bit too much for your auto insurance policy. Let me do the shopping for you. Let me do the shopping for you at your insurance connected. Thank you for listening and enjoy this beautiful day in Las Vegas, Nevada. And if it's your first time listening tune in because we broadcast right here at K u and v 91.5. Jazz and more every Sunday morning from 8am to 830. Until next week, keep it crispy. Thank you for listening

Transcribed by https://otter.ai