YOUR INSURANCE CONNECTION March 19, 2023

What is YOUR INSURANCE CONNECTION?

We talk about saving money on auto insurance, homeowners insurance, and - yes - we talk about life insurance!

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You're listening to locally produced programming created in KU NBC Studios on public radio K, u and v 91.5. The following is a paid program sponsored by your insurance connection. 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.

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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.

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Good morning Las Vegas. My name is Don Marquez. Welcome to another edition of your insurance connection right here at K u in v 91.5. Jazz and more Sunday mornings from 8am to 8:30am. Happy to say I've been on the air now going on almost two years. Right here at 91.5 Jazz and more. And thank you for tuning in and listening. And also I want to thank the many of you that contacted me and purchase home auto and life insurance and a few of you just came in just to get an update just to get an update on your current insurance policies your home your auto and your life insurance. And as you know, there's no obligation to come in and and have no obligation consultation. Mike I can be reached at 70223626247022362624. Before we get started on the program, I want to say we lost another superstar Bobby Caldwell at the age of 71 way too young to go to paradise. But you know when it's your time, it's your time. My condolences go to him, his family on course, all of his fans, and he will be rest in paradise. But his music will last forever. Bobby Caldwell, another superstar we lost just last week. My name is Don Marquez, this is your insurance connection. Let's go. You know, I've had my dryer vents serviced. I've now had my house bill 1996. And I've had an electric dryer. And I've never had the dryer vents service in my home. I have my house bill 96 You know, and we've been using a dryer for many, many years. And one day I saw this commercial on Facebook, talking about cleaning your dryer vents out. Now I know for a fact an insurance professional people have lost their homes or a partial fire as a result of the drive ins building up all the lint and the lines. I encourage you to you know have someone look at those dry events and get them cleared out. Because what is going to do is prevent a fire. For instance, let's say you turn your dryer on and you have to go to church is today's Sunday. You have to go to church and you come back home you see household fire, you know because of the drive ins can start a fire and all in Linde build up builds up in the lines could create a fire or spark could ignite a fire. So that could be a hazard. And I have my Dr. Vince clean. He was extremely affordable and the person that came out to clean my dryer, that's what they did they go outside and they put a hose in your drive in line and they suck all that yuck out it's a lot of yuck. I have my house bill 96. So that was a lot of years of build up over time. And I'm thinking last night can't be that bad. It was pretty bad. Because they show you the before and after. When he because when he put the lines in your dryer event they can take they take a picture all the you know all the lint in your on your lines and it's pretty it was pretty bad. You know, that's something you should look into, get take care of your driving because it could be a hazard. Now when you finish washing clothes, turn off the water lines to your washing machine. They're located right behind your washing machine. Turn off your water lines that could prevent one of the hoses breaking and you may be upstairs in bed or in bed and the water line breaks or you could be somewhere you could be at church and come home and find that there's a flood in your house. This is a common occurrence in Vegas because our water is so hard. It's very hard and it creates havoc on your water lines. Now if you see a lot of corrosion built up on your water lines, you know that's giving you an indication that the hose is getting ready to break and once it breaks the water's just gonna continue to run into someone turns it off. Especially if you go on vacation. In a pack clean people call me I've been on but I was on vacation. I had a wonderful time. I'm about came home, and my house was flooded because the water line broke on the washing machine. Now, you know also your water can break on the water can break on your water heater, he should drain your water heater at least once every nine months or once every six months, they recommend you draining it at least once a year to prevent you you know, you know your water line but what not to water line breaking but your water heater discharge and all the water when he breaks it breaks on the bottom. And water just pews everywhere. Now a lot of you have drains that drain underneath the water heater. And a lot of you don't know it's a drain with a hole in it. And that hole is for to get a PVC pipe to connect to the to the drain. So the water will drain off and not drain all of your sheetrock or damage your property. For more information. My name is Don Marquez, this is your insurance connection, my phone number is 702-236-2624 702-236-2624 Hope is news you could use because you know these are claims that come in regularly, water line breaking on the washing machine. And also you know and water heated we can't prevent that that's going to happen. But by draining it once a year you can prolong the life of your water heater. Now, the water heaters cost about 15 to $2,000, you know, anywhere from 1500 to $2,000. So if you don't drain it, you know just expect the bill if for anywhere from 15 to $200. Now, if you have a warranty on your house, they may have exclusion on those warranties to replace a water heater. Because they may ask you did you drain your water heater once once a year. And if you say no, and they may say well claim denied because you didn't do what you needed to do. Keep up the maintenance on your water heater. Simple thing to do just connect the Waterlow water hose, run it out to the curb, turn your turn your faucets on on the top of the water heater. And it'll drain and just you know refill it. And that's it takes about you know two or three hours for the water heater to reheat the water inside. So you can you know, use the hot water but it's a preventative maintenance, save you some money. This was the show's all about, you know educating you on things you could do to help prevent claims. Now if you do have to file a claim, because you do have some type of water damage, roof damage, you need to file it right away. Or if you've been in a car accident, leaves follows claims right away. Now I know. I've talked to many people over my experience, experience years. And they said well, you know, I was in a car accident, you know, you know the third day I felt a little funny but I you know it was okay I had to go to work or you know, just continue your life without going getting checked out. Without going getting checked out. Now, I recommend you do go get checked out because you could have a hairline fracture, one of my clients, he was in a car accident rear end collision. And I told him I said you need to go get checked out right after the collision. He said I'm fine. You know, I'm okay. He sneezed about a week later. And he had a hairline fracture in his spine. He was paralyzed for almost two years. Things like this do happen. Don't think they can't happen to you. There's no bubble around you to say things cannot happen to you. There is no bubble. Absolutely. There's no bubble I was taking the trash can out, you know, a couple of weeks ago, and it was late at night. My next door neighbor had his big German Shepherd, you know, running around in the cul de sac without a leash on. Well, the German Shepherd tried to attack me and I use my garbage can for protection. And he found her you know, retrieved his dog but he should have had a leash. Oh, now, you know, that's called Dog fright. I didn't file a claim against my neighbor. Just keeping it neighborly. But you know, some people, some people do file claims against dog fright. Not only dog bites, but you can you can file a claim because it is traumatic experience. And you're talking about a German shepherd with those long fangs, you know, but my garbage can was big enough. So I kept blocking him trying to attack me. You know, things like this happen. And when you walk in your dog, make sure you do have a leash. Because if your dog runs off and bite someone, you know, that's very expensive. And it could cause your homeowners insurance rates to go up liability because they're gonna file a claim against your liability, that people have to take a lot of shots. You know, I've seen it happen over my many years. You know, I remember one occasion where it happened and find out the neighbor didn't own the house. They were their renters. But fortunately, they had renter's insurance. Their Dalmatian ran from the backyard, I went out and bid a woman and she was Bad Blood was everywhere. And you know, we had to take it to the emergency and it was bad. I mean, it was bad. So don't ever think it cannot happen to you. It happens to all of us. Because of you know Sometimes you think well, you know, my dog was good dog don't bite anybody. But these events happen if you have a Rottweiler or a pitbull, those dogs may or may not be insurable just depends on on the insurance company you have. I represent multiple homeowners insurance companies, my contact phone number 702-236-2624 702-236-2624, located on the corner of Sahara Rancho, in the US Bank Center, located on the eighth floor, I'm available Monday through Friday, from 10am to 5pm 702-236-2624. Also, we have a team member on your insurance connection, her name is Christine Benard.

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She can help you with wills trust, if you receive a speeding ticket without making any arrangements down at the courthouse, we can she can get it reduced down to a parking ticket for you. 702-236-2624 Christine Banagher you know, she can also help you put someone on your deed of your home and lieu or in lieu of death right a survivor. So you can pass your property on to the next person. Or if you need a will or trust, you know, she can help you with that too. She also is a traveling notary. If you need some, some paperwork notarized, she can help you getting your paperwork, notarized 702-236-2624 If you just tuned in, and for the very first time, welcome to my show, broadcast right here, k, u and v 91.5. Jazz and more often for almost two years. I want to thank our West, my engineer for keeping my time up. And also, you know, Aston, Ridley, Dr. Ashton Ridley, for allowing this opportunity for me to come on and talk to you about insurance. Insurance is something we all have, it's something you can't feel you can't touch, you know, but it's there. It is always there if you need it. Now, you want to make sure you have the right insurances, because a lot of times too, we're talking about customers that come in to get a review, you may or may not have the right insurance to suit you. Because we all always focus on low cost insurance. I won't cheap insurance, when you you get you know, in life is like this. And I know, the people listening to this program is a mature listening on this, in most cases, usually about 45 and older, listening to this program, you get what you pay for you do you just as simple as that insurance is no different. You get what you pay for. And if you're looking for low cost, life insurance, and you see this policy, I'll come in the mail offer of you know, you can get a million dollars for less than $1 a day, well, you know, something might be wrong with that and you're in your 70s something might be wrong with that if you're in your 60s or 50s a million dollars with a life insurance less than $1 a day, you know that to me sounds like accidental only life insurance or travel insurance, accidental travel insurance do not be you know, take advantage of with these type of insurance policies. They do not pay for natural causes. You be surprised how many people come to me? And they said, Well, you know, I've had this policy for a very long time. I hear you on can you envy 91.5? And I just want to make sure you know, my policy will pay. And if something happens to me. I always get if something happens to me. I don't know what that means exactly. Is you know, because if something happens to you, well, you know, that is not if it will happen. It's not if it's going to happen to all of us. There's no ifs in a cemetery. Okay, we all gonna pass away one day. It's that's an interval. That's going to happen. Just think about it. Do you know any ifs in a cemetery, no people pass away. I just talked about Bobby called was 71 years young. Come on out, and happens to all of us. We don't know when we're gonna go if we knew it would make my career a lot easier. United say, you know, I got about 15 years left to live. If you know when you're gonna pass away. I need to call Dr. Marquez, get a life insurance policy, because I'm getting up in age if we knew, but we don't know. You know, we don't we didn't ask to come here. I was watching Richard Pryor the other day and he was talking about you know, you shot don't ask to come here and you don't know when you're going to leave. But in between you and I have you should have a whole lot of fun in your life because you don't know life is short. It is very short. You know, I mean, that's why I offer life insurance to my clients, because they need it. It's not if it's when and when that day happens. And it's going to happen to all of us. You know, and you go into the funeral home, to take care of your loved one to take care of those final expenses, and you quickly find out your loved one did not have any life insurance, or your loved one had accidental only life insurance policy. Every day, this happens at the funeral home. And they look at you and say, Okay, how you gonna pay for this because this policy is accidental only. You need to bury your husband, you need to bury your wife, but they're carrying accidental only life insurance in a passed away of natural causes. Now, to get a life insurance policy is not that difficult. We fill out the application, you don't have to do anything but sit there in the chair. I do all the time. And I do all the work, you just answer some yes or no questions. It's as simple as that. Yes or no? Do you smoke yes or no. And where are my smokers, I rarely get people calling me this smoke cigarettes. And you're in a high risk category. And I know you think about the price, we'll find a price it'll fit your budget, we'll find a price to fit your budget is very simple. Everyone needs a life insurance policy to pay for a funeral today is anywhere from 15 to $20,000, on average. Now, if you are veteran, they will bury you in Boulder City Cemetery. And that's a free plot, the opening and closing the headstone that's about right average about anywhere from a five to $7,000 savings, depending on you know, even a cremation you know, even even when a cremation if you want to put the urn in the ground, because you know, you may not want to put that urn on your on your TV mantel or your fireplace or, you know, and your home on your dresser. And some people don't mind doing that. But I've been on over people homes, and they had that urn, you know, in the house, when as soon as you walk in, you see it. It's kind of creepy to me, you know, but until each his own I get it, you know, you want to you want your loved ones there. But what's going to happen when you go who's going to take that earner. And you know what I mean? But some people don't want that urn in their house. For an example. i One day my brother, he was in his garage lifting weights. And I noticed next to his water heater he had he wasn't around it was like a cereal box. But I said that, that looks like a cream cremation box. He say it is as my is my brother in law, he passed away and we had him cremated. And I said why you don't take them in the house, put them in an urn and take him out. He said, Well, you know, I didn't want to spend any money for urn, so they gave me a thing like a cereal box. That's free. All right. So he Kevin by the water heater has a Why do you keep them out of water heater, he's uh, well, we keep them next to the water heater to keep them warm at night. I thought it was really, really hilarious. His wife didn't want him in the house. He didn't she didn't want the box of cremation box in the house. Because it's you know, it's a little disturbing to some people when they come in, you know, but to each his own. But when that day comes, you have to make final decisions for your loved one. I encourage everyone to have a conversation with your, with your children with your spouse. About that day when the day comes. It's not as if when you say if you just passing it along, you're not talking about it. You don't want to talk about it or understand it's a very difficult conversation to have with your loved ones. And especially when you get an older life, you need to have this conversation. You really do. You really do you need to let your family members know where the policy is. Number one, if you have lost your beneficiary, for whatever reason out of divorce, you had beneficiary, you don't want that person to be the beneficiary anymore, or you may have lost your beneficiary to passing you need to change the beneficiary form. I cannot stress that enough. Because taking a policy and with no primary beneficiary, no contingent beneficiary, that policy goes into probate, you cannot use it to take care of those final expenses if the policy is active. Now this is information you could use. My name is Don Marquez, my contact phone number is 702-236-2624 702-236-2624 analysts Sunday you can call me or you can text me at that number at 702-236-2624. I'll get back to you. I will get back to you. I know it's Sunday. Now if I don't call you on a Sunday I will contact you Monday morning. We can set up an appointment to for you to come into my office is located on the corner right in the heart of a beautiful city Las Vegas, Nevada, on the corner of Sahara Rancho. I'm one block west of the I 15 Palace station is across the street and Chick fil A is on the other side for for markers because I've had people grab all the way to Rainbow and Sarrah looking for me exactly on a corner, Sahara and Rancho in the US bank center located on the eighth floor 702-236-2624 My name is Donald Marquez. This is your insurance connection. And if you are tuning in for the very first time welcome to my show. Life insurance. We all need it. I've had a conversation with some people that came to my office and they were talking about

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how Oh, lucky. These people were when they inherited a life insurance policy. Now, they lost a loved one. And they said, you know, we received a half $1,000,000.05 $100,000 on their life insurance policy. And they were talking about these people how lucky they were to receive a $500,000 death benefit. Because that person that took out that $500,000 life insurance policy, wanted to make sure the next generation was taking care of passing on generational wealth. This is a simple and easy way affordable way to pass on generational wealth, versus passing on generational debt. Just think about it, car payments today are averaging anywhere from five to $700 a month, on average. Now, if you can afford to pick a $500 payment was $700. car payment, you know, maybe you need to look for a card is around about $500 and have that extra money left over to buy a life insurance policy. You know, we all can make adjustments. Instead of having that very expensive car payment, get yourself a smaller vehicle or payment that that was a little less than that and get yourself a life insurance policy. I can't tell you how many people came and see me over my many 28 years, are really concerned about more more than car insurance, what the car insurance payment is, versus their life insurance. I think life insurance is much more important than a car insurance payment. I know car insurance is payment. I know, paying for a vehicle is very payment, especially with these gas prices. Oh my goodness, you know, I drive conservative. I drive at least three or four days a week. And where I go, I plan routes out routes out of you want to say it, I'll make sure if I'm gonna go to the cleaners, grocery store, or studio, I mean, I'm making bang, bang, bang, bang, I'm making my routes and then I'm gonna work my way at home, but I need to go to the grocery store. Or I go go other places to take care of my business. I make a complete circle, and work my way back to my house just conserve on gasoline. And I don't drive a lot I do a lot of online, I work from home, sometimes I can if you don't want to come into my office that's located on the corner of Sahara Rancho. We can make arrangements to do everything over the telephone [phone] to 362624. If you have family members with underlying health condition or even yourself, you may have diabetes. But yesterday a Lupus cancer, I can get you a life insurance policy. Now if you do have cancer. And you stage one, stage two with more than 12 months of live, I can get your life insurance policies something is better than nothing. There is no physical exam just a few easy questions to apply for most people qualify. Even with health issues, we can set up your due date when your poly policy is due. What that means is you can select a due date between the first and the 28th of the month. Now a lot of people select the 15th or the 10th or even the first of the month, that's up to you. Or if you need to change the due dates, you could change your due date. The method of payment is a monthly draft directly out of your checking account. You select the due date between the person at 28. If you do qualify for final expense, that means you're insured day one. But if you're not insured for day one insurance, then you may have a graded or modified death benefit. Something is better than nothing. Now modified insurance is is that means you're not insured for the full face amount. When you take out the policy. A lot of these commercials you see on television, guaranteed acceptance, those are all graded modified policies that mean you're not insured for the first two years. That's basically what that means. They're not turning you down for life insurance, they're not turning you down. They're just saying for the first two years you're not insured. However, a lot of you do qualify for day one insurance. In order to get that information. My contact number is 702-236-2624 702-236-2624. You can select your beneficiary if you want more than one primary beneficiary, you can select a 50% for one and 50% for the other as long as equal to 100%. Now we can get you a whole life insurance policy that will build cash value money you can borrow against if you need to borrow in the future does take a while to build up to cash value. I had a lady take out a policy. Three months later she called me she means I want to borrow some money gets my life insurance policy. Well it doesn't work that way lady it takes time to build up it takes time to build up that cash value. Once your cash value builds up, then you can if you need to borrow money against your life insurance policy, I do encourage you to pay the money back that is borrowed. We can also add on a child writer on your life insurance policy loans a 17 years young and under. Now once that person turns the child writer turn To 25, they'll spin off on their own life insurance policy. Now we can get you a policy of the larger policies on to start at 100,000 Going into the millions, 100,000 200,003 and 1000, whatever you can afford, or if you don't qualify for that policy, we do have a whole life insurance policy up to $35,000 in coverage. Now, if you need more insurance, well, we could do, we can get you up to $35,000 of coverage. And maybe we can go to another insurance company to find another policy for you. But most people that's been turned down, need this type of insurance. Don't get frustrated. So well, you know, I've been turned down so many times, let me make that determination. If you have AIDS, I can get you a life insurance policy, lupus, cancer, diabetes, whether you are diabetic, one, diabetic two, type one, type two, I can get you a life insurance policy, you need a life insurance policy. I just had a phone call. Just last week, a good friend of mine and customer. He called me up and he said his mother passed away. You know, I didn't know she was 79 years old. She looked great. And she passed away. Her name is Aquila tied nice. You rest in paradise. I wrote her a policy years ago, and the family is going to use that policy for final expenses. This happens I you know the frequency my mother used to tell me, the older you get, the more people you're going to see that you know is going to pass away. It just happens that way. And it's not if it's a when you need life insurance. Now, if you're in your mid 30s, early 40s, you can get a lot of insurance for low cost. I wrote I write people all the time, in their mid 30s or in a young 30s. And they're getting million dollar policies for less than $1 a day. Can you imagine that? A million dollar life insurance policy for less than $1 a day that makes you a millionaire 702-236-2624 702-236-2624. You know, I'm telling you, you could be a millionaire for less than $1 a day. And we're talking about people in their 20s and 30s. But young families with young families you have children are no human. Yes, you may say to yourself, you know I have life insurance on my job, but it's never gonna pay you a million dollars. And you know, if you have a premature passing is not going to pay you a million dollars. It pays three times your salary unless you make it three $350,000 a year. Okay, then you can have a million dollar life insurance policy on your job. But if you only make like 50,000, you know $40,000 And you've taken out a policy three times your salary, and you are paying for it. You do have other options. You do have other options. 702-236-2624 My name is Don Marquez, this is your insurance connection 702-236-2624 taken out of policy, I have policies you don't have to take a physical, physical, up to $35,000 in coverage. There's only 12 health insurance questions that I asked you. And then a yes or no questions, no visible, no physicals to apply for. And whether you're male or female, we can help you get a life insurance policy is simple to fill out only takes about 20 minutes 702-236-2624 702-236-2624. Now if you have children is kind of out there in the streets, and you want to get a life insurance policy on them through our Christine Banagher we can get a power of attorney and then we can get a life insurance policy on them. You're the owner, you're the payer and then also the beneficiary. You're in control of the policy. We'll fill it out. We can get up to 10,000 maybe even $20,000 in coverage. It just depends 702-236-2624 We'll do this again next week. From 8am to 830. My name is Donnell Marquez, this is your insurance connection. Until next week, just keep it crispy. Thank you for listening

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