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We talk about saving money on auto insurance, homeowners insurance, and - yes - we talk about life insurance!
Wesley Knight 0:00
This is a KU NV studios original program. 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.
Donald Marquez 0:22
You 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, homeowner's insurance, yes, and we talk about life insurance. Welcome to the show you.
Donald Marquez 0:45
Good morning. My name is Donald Marquez. This is your insurance connection. Broadcasting right here at KU nv 91.5 jazz and more. Sunday morning, from 8am to 830 how proud to say I've been on the air right here at KU NV, 91 five for about three years now, and going into the new year, we just around the corner everyone. I want everyone to have a great and safe holiday that's listening to the program, and I want to thank the listeners that contact me and purchase home, auto and life insurance. It's that time of the year I get Decembers are funny. When I first started in the insurance business, back in the late 90s, December was the time to take a vacation. Not anymore. I'm quite busy offering insurance products to our listeners right here at KU NV, and if you'd like to make a donation of 2k umv, 91.5, we accept donations all all year round, and it is a tax deductible contribution to the radio station or or you can donate to the school. But you know, keep in mind, have programming like this on the air. We do accept donations, and they keep us going to inform you our listeners in our Las Vegas Valley and all the surrounding communities that we we like to inform our listeners what's going on, how to keep updated. And for me, it's about insurance. This is what I specialize in for the last 30 years of my career in this industry, and again, I've said this many times, I absolutely love what I do. I help people. Yeah, one of the questions they ask me when I enter the insurance industry is, why do you want to be an insurance agent? Well, you know, I didn't flubble around. I said, I like helping people. I was in the casino industry for 18 years, and, you know, and it is what it is. I was a dice dealer for eight years and 10 years, as in management, you know, I just needed a little bit more of a gratification when I got off from work. I just wanted to make sure that, you know, I helped, I helped a family instead of, you know, watching people lose their money on the tables, but you know, to each his own. It just wasn't for me. I just wanted more of a gratification knowing and I wanted holidays and weekends off. That was another thing. So when I, when I, when I interviewed me at Allstate Insurance company back in the late 90s. Yeah, I was sincere about going into the insurance business. I was also really committed to, you know, finance, whatever it took to be an independent insurance agent or captive insurance agent in the insurance business, and at the time, my wife, when she was living she was absolutely 100% supportive. So I want to take my hands off, you know, just I'm doing a reflection. Because every, every year, at the end of the end of the year, we should reflect, we should reflect on our past, and we should look reflect on, you know, what? What is upcoming, what is our future? You know, gonna be for us. We just need to think about it. I just, I ponder a little bit, you know. And every time I talk about it, I get a little choked up because, you know, we don't know what's in store for us, but I do know one thing, time is an asset as we age in life, and I'm a senior citizen, you can't get that back. What happened yesterday is in the history yesterday history books, we cannot get it back. You cannot say You know what I need to if I was 10 years younger. No, you can't get that back to me. Time is an asset, and the more time we waste on things we want to do, or, you know, the old cliche is, oh, you know, I'll do it the first of the year. I'll make a new year's commitment. Well, let's stop doing that. Let's make a commitment today to better, improve. Our lives, you know, I've heard people say, you know, oh, you know, I got up on the wrong side of the bed, and my life, my life has just been all day, just been negative. I said, Well, next time get on the get up, go back to bed and get on I'm on the right side of the bed. We have to maintain a positive outlook on life when you're negative, it creates negativity around you, and you attract negative vibes. You do negative things happen when you're talking negative about everything, or about just some things or people, or, you know, just going on the internet and putting your personal business on the internet and people comment on you because you're allowing yourself to be judged, stop. We need to we need to reset. I don't put my personal information on the internet, and I don't think people should put their children on the internet, to be honest. I really don't you know, there's a lot of predators out there. This is my opinion and but, you know, going into the new year, let's focus on positive outcomes in our lives. Let's help others. Let's care a little bit more about people, because, you know, they you don't know what a person is going through, and especially during this time of the year. So it's a lot of people out there doing this time of the year that don't have the loved ones they used to have, because that time has passed, and now they're finding themselves, you know, by themselves, or, you know, pick up the phone just say hey, you know what, it's the holidays, and I just want to reach out to you and say Hello, see how you doing, or even invite them over, get them, you know, break some bread with them. Have dinner with them. Because you never know what a person is going through. You know, they say this is the happiest time of the year. But I found in my in my career and my life, there's a lot of people out there very depressed this time of the year, and talking to people that own funeral homes, this is their busy season, which I couldn't believe. Keep in mind, you know, I'm, I'm just, I'm just stating my opinion as a person born and raised in Las Vegas, Nevada, I've experienced life. I'm a veteran. You know, family man, husband. I have children, grown children, knock on wood, they're grown and gone. I live and I live alone, and you know, it's just, I have a lot of friends that contact me. I have things to do, and believe me, I have a lot to do, and I have a lot more to do. I'm reaching out to my listeners that listening to this program, and I want to thank you for tuning in to KU nv 91.5 jazz and more, and listening listening to my radio broadcast right here. It's an amazing opportunity that I've been gifted to come on the air and talk about not only my personal experience, but I know you as a insured individual that's buy insurance, you know, I know sometimes you get very frustrated with insurance companies because everybody feel like, Oh, they're charging too much for car insurance, or they, you know, they didn't pay this claim. I hear it. I hear it all the time, because I do invite my listeners that's listening to this program a free obligation, insurance review, no obligation. That means you don't pay for my services. I do not charge a broker fee to come see me. Now, there are times when people bring me, and I tell them when we make an appointment and you want an insurance review. Bring in your declaration page on your auto insurance, not necessarily your homeowner's insurance, but I want to see that declaration page on your auto insurance so I can compare the coverages. And I will advise you whether you know you should stay with the company you have, or you know it's time to, you know, relocate, get another company. But if you, if you bounce around quite a bit, if you are with one insurance company for car insurance for six months, cancel your policy. Go to another company for another six months, and you're carrying a minimum stay requirement, right? You never, you're never going to get a decent rate. Your rates are going to adjust on you all the time. It's a customer with the insurance they've been with the insurance carrier for the last three to five years. You're carrying more than the minimum state requirement, which is only 25,000 per person, 50,000 each accident, and $20,000 property damage. You're carrying higher limits of liability, 100,000 per person, 300,000 each accident, $100,000
Donald Marquez 9:44
property damage, is what we call the sweet spot to shop for insurance. So companies recognize that, you know, okay, well, they're carrying higher limits of liability. That's fine. Now insurance companies do look at. They do take a soft hit on your credit. It doesn't affect your credit score. It's been around for a long time. So will you? Were you gonna run my credit? No, no, no, we don't want credit just to be just to be honest with you, when you own a on a computer and you shopping for car insurance, and every one of those companies that's looking at you and hitting and you get hits, they're running, they're doing a soft hit on your credit. Now, it doesn't affect your credit because you're doing it within the 30 days, but some of these companies, you got to be aware you don't have any representation for auto insurance. You don't have an insurance agent to guide you through the process. If you're in a car accident or you need to file a claim there was damage to your vehicle, vandalism, someone broke in your car. Or you may have higher deductibles than you want to if you have a windshield that needs to be replaced. Now, all of a sudden, you find out you have $1,000 deductible on comprehensive, and the windshield is only like $750 Well, that's below your deductible. Now you pay that $750 for the windshield when on comprehensive, if you had a I like to write $100 comprehensive with my clients, because the difference between $100 comprehensive and $1,000 comprehensive is minimal. You'll be surprised. It is minimal, probably what it would go to a burger store get the, you know, burger with the large fries and a lot or large soda for six months. That's the difference. That's not a lot. That's not a lot, you know, but you're but in the long run, if you have, have to have a windshield replaced. You know, the price, the difference between $1,000 deductible and $100 deductible is minimal. Now, where you do save money is, you know, I've seen a lot of clients with $500 deductibles on collision. Collision is a saving. That's what we save money collision. I personally carry $1,000 deductible on collision, because if I'm in a car accident and or someone damages my vehicle, they don't have car insurance or, you know, because when you go to the body shop, they ask who's paying for this, you and the insurance company. Because when you say the insurance company, they stuff that $1,000 deductible they or No, excuse me, they stuff whatever deductible you have in their pocket. Let me say it like that, because the insurance company doesn't get the money. So the body shop say, okay, whatever your deductible is, we'll fix your car. The insurance company is going to guarantee the work. Well, don't you think the auto body repair shop should guarantee their work? Why should the insurance company guarantee their work when you're in a car accident? Just take the cash settlement for the for the damage to your vehicle. And why is that? Because when they ask you, who's paying for this, the insurance company or you, they charge a different rate for the insurance company, right? And they put their that, put that deductible in their pockets so you can get a cash settlement. Now, you walking in in the body shop as a cash buyer, a cash buyer. Now, what does that benefit? How does that benefit you? Because you get around paying the deductible Number one, and you can negotiate a little bit. You haven't negotiated power with a cash buyer. In other words, they cut you to check. The insurance company will write you the check for the damages for your vehicle, or they'll write it to the body shop. They just want to settle the thing quick. And if you do have an attorney, attorneys really don't care about getting your car repaired. That's not really what they do. They want to send you to physical therapy. They want to that's how they settle your claim, not really on the damage to your car. Now, some of them may go out of their way to assist you with repair damages, but you know, their focus is on your bodily injury, you know, making sure you get back to health, making sure that you know you're going to the their people to get, you know, physical therapy so you can feel better, or just manage the pain, right? Manage the pain. But when it comes to your vehicle repairs, and sometimes you know your car is totaled out, it is. What should I do when my car is total out? Well, you cannot buy a car wholesale, right? The average person cannot buy a car wholesale in the settlement from the insurance company. If you're not satisfied with that, I encourage you to go online, get some some comparables, same year, same make, model and around the same mileage of your current vehicle to justify your position with the insurance company. And take to get three comparables. You can print them out or do the PDF and email them to your claims adjuster to say, Listen, you're trying to offer me a lower. Ball settlement, or what I should get. I cannot go out and buy a car wholesale. This is what they going for retail. And you negotiate from there, if you're buying a car. And a lot of people buy a car during the holidays in the first of the year, because we have the new models coming out. Or, you know, people just end up buying frenzy. You know, doing We? Are we in a buying the holidays creates a buying frenzy. People feel like they need to spend money, and they spend money on cars, right? You spend money on cars. So if you're in the market to purchase a vehicle, 702-236-2624, to get an insurance review on what that car costs before you purchase the car. You know, 702-236-2624, my name is Dave Marquez, hopefully that is news you could use. Always get to check the price of the vehicle, for the insurance, for the car insurance, before you purchase the vehicle. You know. So that's News You Can Use. And if you buy a car from a private owner, make sure you get it smog first. Or, I would suggest also, to get an inspection. You know, you can. You can simply take it to one of these lubricated places that do the does a lube if you don't have a mechanic, and just have the lube guy look on it, you know? I mean, sometimes you can find if it's leaky and the rear end is leaking, if the oil pan is leaking, if it's leaks everywhere, you may want to leave that car alone. And if there is high mileage, if you buying a car with 150,000 miles on it, buyer beware, because there's a reason why they getting rid of that high mileage vehicle. Don't get stuck with it. And I say this because over the many years of offering insurance, I've had people come in, you know, they buy a car from a private owner, and I ask them, you have your car smart yet? No, I just bought it. I want to get the insurance on it so I can get it registered. Well, you know, you need to get a small. Well, the owner told me they had just got a smog and it passed smog many times in my career, people come back and they say, you know, this car didn't pass smog, and I don't know what to do. It's a high mileage vehicle has a lot of miles on it. You didn't get it smog before you purchase it. Buyer, please beware again. We're in this buyer frenzy doing this time of the year, people just need to buy and spend money. Just Buyer beware. My name is Don Marquez. This is your insurance connection. 702-236-2624, 702-236-2624, I am a licensed insurance agent, happy to say, I have acquired licenses in Louisiana, Texas, California, and, of course, Nevada. But I just recently acquired Louisiana and Texas to offer life insurance. I'm a non resident insurance agent. That means I can write the policy over the phone, as my residency here is in the state of Nevada, but I'm expanding my reach for life insurance California, Louisiana, Texas, has been added to my portfolio to accommodate people from those states because they listen to KU NV, 91.5 jazz and more all over, all over the world. But I do receive calls from time to time from people in those states. Well, you know, I listen to KU NV on my on my phone. I have the, you know, I've downloaded the app, and I was wondering, do you offer insurance in the state of Louisiana? Well, after several calls, I said, well, I need to get a license in those states. I have a license. Louisiana, Texas, California, of course, Nevada, permanent, whole life insurance. Eagle select, that's the name of the product. Eagle select, permanent, final expense, whole life insurance. I'm just gonna give you a breakdown. What that offers you as a potential customer for life insurance. If you're listening to this program with no life insurance, no life insurance, stop saying I'm gonna contact Dave Marquez the first of the year. I'm working. I'm working. You probably call me on Christmas Day. I might probably write a policy on Christmas Day I don't close
Donald Marquez 19:30
now on Sundays, I do enjoy being at home watching football, or, you know, I enjoy, you know, doing the things I enjoy doing on Sunday the office is closed on Saturday there. I can no longer have customers come in in the office on Saturdays. I'm in the US Bank building located on the corner of Rancho and Sahara in the US bank center located on the eighth floor, that's exactly across the street from the Pala station hotel or casino check. Filet is across the street, right on the corner Sahara Rancho, US bank center located on the eighth floor. I work by appointment. 702-236-2624, let's talk about permanent protection designed to meet your insurance needs for your life insurance. You're listening to the program with no life insurance. And y'all know you've said over and over again, I'm gonna call Don Marquez. I'll do it the first of the year. You don't have to wait till the first of the year. With this policy, you can get up to $50,000 in instant life insurance coverage day one. In most cases, people qualify for day one life insurance and and it is affordable. I represent 60 life insurance companies. I try to find companies with the competitive rates, something that you can afford. Let's make it easy on both of us. You can tell me, hey, I can afford this much money per month for life insurance. This is works in my budget. People have people call me, well, you know, I'm retired, I live on a budget. Well, when you are working, you are living on a budget. I'm working and I live on a budget because I simply retire. Doesn't change. I live on a budget with all my retirees. Well, you know, I live on a budget. That's kind of funny. We laugh about it, but I get it, but just figure out your budget before you come see me. And so you know what I can don. Marquez, I can afford this per month. And let's work with that no physical requirement when it comes to this life insurance, up to $50,000 in coverage, protector, protection from first, very first day. That means your insured day one. How many times have you heard someone well, you know, I know this person bought some life insurance and they and they died within the first two years, and the policy did not pay. We've all heard that story. You know, people need to read the contract. When you go online and you buy life insurance online. Worst marketplace you could buy life insurance, you're sharing all your personal information online with all these different people that has an eye on what's going on online and what and if. And I'm gonna tell you something predators prey on that. You're giving up your name, your address or social sometimes your social security number, your date of birth. What else do they need? What are you doing? And you're gonna receive calls, calls, calls for the next three months for the life insurance you just introduced everybody online. Now, I know a lot of these life insurance companies have these platforms, but they're quickly finding out people rather trust an individual agent to work their policies for them. It's more of a security going you go online if you want to and shop it, but you never know when you buy what you're buying, because you're not an agent, and you're not going to sit down and read the contract. The only thing you looking at how much coverage I can get and how much it's gonna cost without knowing whether this policy is going to adjust on me every three years. And the reason why I say that is this because their insurance companies have what we call introductory intro rates, introductory rates. And you go on there and you you find a pilot, Oh, I like that price, and it's good for the first 12 months, and then the policy adjusts every year thereafter, maybe every five years, the policy may adjust. The rate goes up as you age. Keep in mind the reason why I'm an insurance agent is to help you guide you through the process to make sure your rates and benefits are locked in for the life of the policy to age 100 to age. 100 from 40 to 85, years young, I can write a life insurance policy again. There's no physical exam required, protection starts the very first day. Bill's cash value bill. And why is that important? Because it's a life insurance policy, up to $50,000 whole life. Policy builds cash value, and it builds cash value quicker than them. You putting money in a savings account. So you get the best of both worlds. You get the protection, and you get a reserve bank. If you need to borrow money against yourself, that money's there. Now you do have the option to pay it back or not, but I do recommend you paying it back. Now, what's the point of having a cash value and I got to pay it back again. I said it's up to you whether you want to pay it back. That is an option and a reason why I say pay it back, because they do charge a minimal interest rate on money borrow. Now it's not it's up to you how you want to pay it back. Let's say you need a couple $1,000 for auto insurance, auto repairs, or you need a couple $1,000 your AC unit went out. Well, you know, so you never know. Emergencies do come up. And it comes up all the time, if you're a homeowner, or if you rent, things come up. You know, children need things. Whatever it is, things always come up. And having a life insurance policy, a whole life policy, up to $50,000 is not only giving you the protection that that your family needs, but it also is giving you an opportunity to have a bank a cash value. Look at Life insurance is, you know, you're buying money at a low cost. It's like putting $50,000 in your savings account day one, you know, up to $50,000 now think about that. How long would it take you to save $50,000 and you paying less than $100 a month in your savings account? It's gonna take a very, very, very, very, very long time. It is but with a life insurance policy, regardless of the face amount that money is in there, what happens is this, what most people don't know the life insurance. When you buy a policy, the life for the cash value, the life insurance company has to put that money on reserves. They have to pull that money out of their account. Let's say you buy the $50,000 life insurance, whole life policy, they have to take $50,000 out of their reserve and put it in a trust for you. Yeah, that money goes in the escrow account for you, right? It's there now, if you you know, like some people, I don't know why they do this, they keep insurance for six months, nine months, and let the policy lapse. You just gave the insurance company that money for free. It don't make sense. You know? You just like, okay, insurance company, here's my money. Take my money and I get nothing out of it, because maybe a little hiccup came. That's why I say find a policy that fits in your budget, the hiccups are going to come. So, you know, don't cancel your life insurance policy because a little hiccup showed up. You know, that's your savings account. That's your reserve. Keep that. Try something, do something different. Maybe stop going out to dinner every day, or, you know, every other day, at lunch every other day, costing you a lot of money. You know, there's things you can do. I'm trying to help you, guide you through the process accelerated death benefit on a life insurance policy. What that means is, if you have less than 12 months to live, we'll Accelerate 50% of the face amount of the life insurance put the money in your hand to take care of your final expenses. My name is Don Marquez. This is news you can use for more information. 702-236-2624 702-236-2624 my business hours are Monday through Friday, from 10am to 5pm and I do work by appointment at 702-236-2624 02236, 2624 I write policies over the phone, if that's convenient for you. Either way, just if you can text me your information, I will contact you, set up an appointment, or again, I can write policies over the phone. 702-236-2624, everyone have a happy holidays. We'll do this again next week. Until then, keep it crispy. You.
Transcribed by https://otter.ai