YOUR INSURANCE CONNECTION September 17, 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. 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.

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

Unknown Speaker 0:52
Good morning. My name is Don Marquez, this is your insurance connection broadcast and ready at K u and v 91.5. Jazz and more Sunday morning. Welcome to the show everyone. And I want to thank the listeners that came in and purchase home auto Yes, in that life insurance got to have life insurance everyone. That's one of my favorite subjects to talk about when I come on the air here because I find that everyone needs it. Whether you have it on your job or not, or if you retired and and you found out that benefits went away it's time to get life insurance. You know, the the viruses back. I've been reading a lot of data on the virus. The Coronavirus is coming out with a new strand and and it is coming back. We need to get shots and get boosted. I don't want to call it a booster. I don't know why they want to call it a booster. But I have had both of my shots. You know, I did have a virus when it first came out. And it scared me. I lost a lot of people doing the virus, unfortunately, loved ones and people that I really admired. And even though I'm an attorney, I lost my attorney through the virus. But you know, we're still here, we, we made it through, there's another virus around the corner they're talking about. But we need to be prepared not only to take the shots and be prepared for the new viruses coming around the corner. But you know, to have life insurance, to have life insurance in place. It's a gift of love. That's all it is, is to get the love to telling your loved ones that you know, I care about your financial stability. I care that I don't want you to be in debt when I leave this world. It's not if when you're going to leave the work because I have people say if something happens to me, if something happens to me, talk to your loved ones about life insurance, talk to your loved ones, let them know whether you have a life insurance policy or not. You know, and it's not a tough conversation to have. I know people like to put it off. I had clients in my office last week. And the very thing they were talking about, well, you know, we don't want to talk about his death and went on to talk about that. But it's also life to the continuation of life to continuation of your responsibilities after you're gone paying out your final expenses. We have final expenses when we go yes, we do and who's going to pay for that? I asked you to simple question. Is it fair to leave debt to your family, to your spouse, to your children, to your loved ones? Is it fair for them to take on your debt? A life insurance policy can solve that, you know, I'll make it very, very simple, very easy. I can offer you a life insurance policy with no health examination to apply just a few health questions. Most people qualify even with health issues, rates and benefits are locked in for the life of the policy. You know, and then we can also have an additional benefits, you know, accidental as an additional benefit, and then also cover car accidents. And also it will transport of your remains. For an example if you pass away over 200 miles from your legal residence. I have a life insurance company that will reimbursed the family members up to $1,000 or up to $5,000 on a reimbursement for more information. My name is Donald Marquez, I'm a licensed insurance broker. Right here in Las Vegas, Nevada, my hometown, my contact number is 70223626247022362624 benefits are paid in 24 hours to the beneficiary, a whole life policy up to $35,000 in whole life. Now it may not sound like a lot but you know the cost of funerals today goes up. Now I have other policies start in 100,000 and up as much as you can afford I write it from 100,000 into the millions. But I find a lot of people just looking for that burial policy. Now you do have a choice. You can go to the cinema you can go to the cemetery and pick out your plot. Pay for it now because those rates are going up on those plots, and you do have to put your loved one in a vault. Yes, you do, you have to put your loved one in the vault if there's going to be a casket. And I believe if you put the urn in the ground too, it also has to be in a vault. And that's an extra payment you have made have to make. Now if you've already paid for your plot in advance, you know, years ago, you pay for your funeral plan, you may have to purchase a vault to put the casket in, or you might put the urn if it's going in the ground, if it's going in the ground. So keep that in mind. You but you can always contact your local cemeteries to find out exactly what the requirements are. Now, it's not a law to put your loved one in a vault, but it is a requirement through to the cemeteries. I lost my loved one, my dear wife, five and a half years ago, and I had to put her in a vault, put her casket in a vault. So it's been around for quite some time. It's nothing new. And I understand that's an additional cost up to $4,000. And could be even more, not anything. We're talking about the headstone, the opening and closing, there's a lot of moving parts, there's a lot of expenses. There's a lot of expenses. So if you do have a loved one, it would, you know, talk to your grandparents, talk to your parents, talk to your children is not a tough conversation to have. I know we delay that conversation over and over again. But my children know exactly where all my information is. I have my trust my life insurance policy. Everything is together, right there in one location. Because when that time comes for me, I don't want them tearing up my house looking for this was my that was dad's life insurance policy, where you know, he I know he had one. And if you don't have a life insurance policy, you know, I can help you with a life insurance policy. I'm a licensed broker, I represent multiple life insurance companies, a 702 to three, six to six to four, my location is located on the corner of Sahara Rancho, in the US Bank Center, located on the eighth floor, Sahara and Rancho where is that it's right across the street from the palace station, Hotel and Casino. And Chick fil A is on the opposite side. It's a tall brown building. With us bank on the top. I work by appointment, my business hours Monday through Friday, from 10am to 5pm. And some Saturdays I will work. I know a lot of you out there that listening to the program, or probably work nine to five, and you have the weekends off lucky you worked in the casino business for many years, never had weekends off. But when I did, it was only when I was on vacation. So but now as an insurance broker, I have all holiday. And some weekends off. I do work some Saturdays for convenience. Because some of our clients they work Monday through Friday, and I will make it as a convenience to come in on a Saturday morning. 702 To 362624 My name is Donald Marquez, a licensed insurance broker right here in Southern Nevada, my hometown. I've been licensed since 1996. Home auto, motorcycle boat insurance, life insurance, I can help you it's not that I haven't heard before we can sit down you know, and sometimes people when they come in, you know, I don't understand what you see on television is not reality. You know, I hear them talking about life insurance policy started low as 999. Well, that's, that's just generates phone calls. That's all it does. It generates a phone call 999 and 995. I don't know what the number is, but it's you know, and I hear people you know, I watch the news. I watch the commercials too, as well. They said, well, we need to get that man in an airplane and 995 plan whatever it is. But if you think about it, how much life insurance you think you can get for 999 or 995. Okay, how much life insurance do you really think you can get? I had a gentleman call me and he said, You know, I want that 990 plan. And I said I don't offer that. insurance rates are based on your medications, you're taking your health. You're whether you're a smoker, nonsmoker, some policies, they do require, you know, for height and weight, but my one insurance policy up to $35,000 I have to offer doesn't ask any questions about height and weight. I ensure the gentleman over 650 pounds. Yeah, I sure did. He got $25,000 with a life insurance and his family was extremely happy because he had been turned out multiple times. I can help him I can help you. My contact number is 702236 or 26247022362624. I offer policies through Lincoln heritage, funeral advantage, life insurance comp. I mean, they've been around for many years, over 60 years, over 60 plus years, offering valuable service to my clients. And I've had clients take out this up to $35,000 life insurance policy. And they pass away within the first two years in the company paid the first face amount of the policy, there's two different different type of life insurance policies, we have to understand there is a final expense, meaning you are insured day one. And the only way we're going to determine that is sit down, have a sit down, and we go over your medications that you've taken your current medications you're taking final expense mean, you are sure insured day one. And you even have final expense insurance, up to $35,000. In Whole Life coverage through Lincoln heritage Life Insurance Company from day one to age 85 years young. final expense up from day one up to 85 years young, the policy goes to age 100, you're insured to age 100. Now, if you live to be 100, then you still making your insurance payments, Lincoln heritage life insurance company will send you a check for the face amount of the policy minus any loans you may have taken out minus any loans you have taken out. Now there is also a 20 year pay, where you can pay on a policy for 20 years, and you pay it up, you make no more payments. Now, there is a modified death benefit too as well. The modified death benefit meaning that you're certain medications you're taking, for instance, blood thinners is one that was going to put you in a modified death benefit category. You know, whether you whether you're taking the medicines or not, if you go on to the pharmacy and getting the prescriptions field for like blood thinners for an example, if you have blood thinners, I mean, you will get a modified policy for the first two years, you're not going to lose the money for the first two years, this is what happens. Paying into the policy if you're a modified client, and you know something is better than nothing. Now, you could be a modified client up to 15,000. When you're modified, the company will offer you up to $15,000 worth of life insurance. Now they're not denying the nine you but they are offering you a modified death benefit policy. Now the beneficiary will not lose the money, no money paid into the policy for an example, if you pay them to the policy for for 18 months. Let's go back up a little bit. If you pay on a policy for the first 12 months and you pass away within the first 12 months, your beneficiary receives all the money paid into the policy plus 10%. And that's 850. And over by the way 850. And over painted a policy for the first 12 months you pass when 11th month your beneficiary sees all the money paid into the policy plus 10% interest. Now, if you pass away within a second 12 months, let's say you pass away within the 18 month, your beneficiary sees all the money paid into the policy plus 20% interest. Not let's say you're 1549 and under 49. And under and you are a modified client because you have heart condition blood thinners history of cancer, and every one is different. So I'm just giving you an example. So don't bloop yourself as being a modified client. I rather go over the information with you let me and you and I sit down and the underwriter will then make that determination day one. What you qualify most of my clients qualify for up to $35,000 in coverage is finally expensive, meaning they have insurance day one. Now if you're 49 and under, you have a three year modified period, because you're younger and you have a lot longer to live I'm wondering likely your odds are in favor to you to live a lot longer. However, those two years apply 10% For the first 12 months 20% for the second 12 months. But if you are modified 49 years and younger, and you pass away, let's say in your 27th month, going into your three year modified period, your beneficiary receives 30% 10% For the first 12 months, another 20% for the second and a maximum of 30% within the third year. Keep that in mind my name is Don Marquez. We can get you a policy that's my whole point. You know regardless of the health condition, we can we can get you a pile of life insurance policy. Most people qualify even with health issues rates and benefits are locked in for the life of the policy it comes with accidental you have accidental death protection, single dismemberment death due to an auto accident and deaf due to a common carrier accident or common carrier. If you own an airplane bus or train and there's an accident. Not only that accidental portion pays but also the Life insurance portion pays the whole life policy pays is Double Indemnity. For an example, if you take out the $35,000 in coverage, which is the max for the whole life benefit. If you're looking for a policy with no health examination, Sam, you just need something in place. This is the policy for you. Or if you have underlying health conditions, diabetes, lupus, a history of cancer, this is the policy for you. Now, I do have policies with people that are 40 years young and older. If you have HIV, I can get you a life insurance policy. For two years and younger with HIV, I can get you a life insurance policy. Up to $35,000. In whole life, accidental portion will pay let's say there's a car accident, you can get up to a maximum of 50,000 Your loved ones can get a maximum up to $50,000. And plus up to $35,000. In coverage. Make the total policy $85,000. This is news you could use. My name is Don Marquez. 70223626247022362624. I broadcast right here at K u n v 91.5. Jazz Moore's Sunday morning from 8am to 8:30am. I happy to say I've been here for almost two years now. And I want to thank the management and staff to allow me this unique opportunity. My engineer West is West Knight is keeping the time for me. And I like to thank you Dr. Ashton Ridley for this amazing opportunity. He called me one day I was at home I was taking a nap.

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He called me one day as my a couple years ago, he called me up and I was taking a nap. But I heard my phone ring. And I said condoms in the deep nap. And I heard the phone ring as I call them back later, I was just really relaxed. And I picked up the phone. I didn't I didn't recognize the number. I called him back. And you know, he told me, this is Dr. Ridley. And now he was he wasn't Doctor really then he was asked and really, when. Lately he's gotten his doctorate degree. And now we call him doctor I asked him really and he offered me a position coming here at K u and v 91.5. Jazz and more to broadcast my radio program talking about insurance, educating you, the listeners about insurance. There are a lot of moving parts when it comes to purchasing insurance. The company has have insurance agents for a reason. We represent not only you, but also the companies too, we're in a fiduciary position of trust. You know, if you want to look up my record, you're more than pleased to do so you can contact the Nevada Division of Insurance and ask I want to find out about Donald Marquez. I've been licensed in the state of Nevada since 1996. No complaints, no complaints since 1996. That's a very long time. You know, they're their insurance companies pay us commissions. When we write a life insurance policy, or auto policy or any type of policies, we work strictly on commission. Now the rates different when you use an agent, they're not the same because the rates when it comes to life insurance is based on your you are based on you your body and your age. Your medicines you take with your smoker, nonsmoker dictates the rates where the you know, and I know people go online, that's the worst thing you can do is go online and buy life insurance. That's that's that's self service you don't want to do. Life insurance is too valuable of a product, it is too important of a product to purchase it online. Because you're gonna buy the wrong policy, you're not know you don't know what you do it. The life insurance companies, insurance companies in general, have us in place to explain the different policies to you. What's to your advantage, what's to your disadvantage, this is the breakdown that I use when it when when I see my clients, one client doesn't fit in every single box, you know, I mean, so you may be a round peg and you're trying to buy life insurance online. With what you're doing, you're taking a round peg and fitting in a square hole is not going to fit. Now it may work in the short distance. But in the long run, you're going to quickly find out you wasted your time and money on a policy is not going to take you where it needs to take you. Now if you purchase in a 10 year term policy, and I've seen a lot of these 10 year term policies. That's okay too as long as you have a plan term is okay as long as you have a plan. Now term policies can be converted over to whole life or Universal Life, meaning that the policies and the rates are locked in for the rest of your life. Now you can start off his term because you know, maybe you know you needed a foreigner 1000 $500,000 term policy, your children are young, you just bought a home, you're newly married, you need a lot of insurance for low costs. This is this is an excellent idea for term, especially my younger my younger listeners right now, my young my younger listeners right now you can get a life insurance policy in front of very low costs, or term policy for very low cost, I can make you a millionaire. I can make you a new millionaire probably for less than $100 a month. If you're 35 and younger. In most cases, in most cases depends on your y height, weight and health. Where most of you that's 35 a younger I can make your mean error less than $100 A month 702-236-2624 702-236-2624 Life insurance is a gift of love. Now if you've never received a life insurance benefit, you may not know what I'm talking about. But if you ever had to bury a loved one without life insurance, you know what I'm talking about. You know a lot of you listening to this program right now has buried someone in your family or friend and they didn't have any life insurance. And you're the one that ended up paying for their final expense. How does that feel? I would feel violated. I would I feel like you know this person worked all their life. You know, they had nice cars, nice clothes. You know, they they wondered all the places all the shows on the Strip. Yeah, and I had a good job and why no life insurance, because they never want to talk about it. They never wanted to talk about it to the loved ones. Because they're probably were embarrassed. Or here's another one I see this all the time too. And I can help you this is why I'm on the on the air. I can help you people go out and they purchase this accidental only life insurance. I don't believe in accidental only. I don't mind accidental deaths attached to a regular policy. When you pass away of natural causes, I want you to live alone time. A Life Insurance also as a living benefit is a living benefit if you need to borrow money from MetLife insurance policy because now you need unity maybe pool repair pool repair, your heater went out on your pool, or you know your AC unit went out your transmission went out on your car, and you need some money. Why not use your life insurance policy, it is your bank it is your go to use it but pay the money back. It is alone eight nine no when you call in, they'll say this is your money it will deduct it will minus from your death benefit. But there have been times in my many years of insurance business over 25 years in business where you know people have borrowed all the money out of their policy. And there's very little face amount left. So you want to be conscious of not taking all the money out of the policy. Because what happens you take all the money out of the policy. And when your loved ones need the money it is gone.

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Because not only the money borrowed accumulates interest that interest can double over a certain period of time using about usually in about seven years. It doubles up. Keep that in mind. All for no obligation life insurance reviews 702 to 362624 702-236-2624 My name is Donnell Marquez, my location is on a corner of Sahara Rancho. In the US Bank building. The name of my business is your insurance connection, you can go online, just type in your insurance connection. And I'm on I'm on a website. The payments are made directly out of your checking account as a monthly draft, you can select your due dates in other words, your revolving due date, when you want the money to come out of your checking account, you can select between the first and the 28th of each month is a very simple application up to $35,000 in Whole Life coverage if you need more insurance, I can also provide you a larger policies I have that too. But I'm talking to the people with just the one a life insurance policy don't want the physical, they just need enough to get take care of that burial. That very expensive burial today the funerals cost today anywhere from 15 to $20,000. Now if you want to verify that contact any funeral home or mortuary and they'll tell you what a what a traditional funeral costs we're talking about. If you have you have not pre planned any of your services, meaning that you have went out and bought the plot, you didn't pay for pre need and you know just to just to find out for your own information, call any funeral home in the area and we have many of them all mortuary whatever you want to call him and ask what a funeral costs today and don't buy their pre need. Only if you're terminally ill for the next 24 to 12 months. You know people call me and they say you know My dad, my dad is six months live, can I get them on $1,000 life insurance policy? I've had that call before I made my dad had six months to live, can we get him $100,000 life insurance policy? Think about that for a minute that just that doesn't even add up. I know people that hear me on the radio, they you know, they think, let me try this. But that doesn't work that way. We want to get you Are you healthy or you know, or if you have underlying health conditions, lupus history of cancer, heart disease, kidney disease, if you're on dialysis, we can get you a life insurance policy, no problem. If you have blood, you have medications that you're taking, and their blood thinners, I can still get your life insurance policy, don't give up if you've been turned down. If you've been turned down for life insurance, you know, give me an opportunity to serve you 702-236-2624 702236 to six to four. With the life insurance policy of $35,000. We can add a child rider on your policy as long as they're 1717 years and an under we can add them on as a rider on your policy. When they turn 25 They will spin off on their own life insurance policy. Here's his affordable way to add the family onto life insurance. Or if you are a grandparent, taking care of grandchild is a great, great opportunity to add your grandchild on deposit loans as 17 years younger and younger. And it's very affordable, you can get $5,000 worth of coverage from for less than what a Coca Cola costs. That's how affordable it is on a child rider or child rider is attached to your primary policy, you know you're going to have we're going to need the beneficiary information. And a contingent beneficiary. If you like to include a contingent beneficiary on your life insurance policy, that's a person is held in place, just in case their primary beneficiary passes away, before the insured individual passes away. The contingent beneficiary moves up into primary position, you can have more than one primary beneficiary. Sometimes I've seen policies are written out with it's 50 50% primary and 50% contingent that's filled out incorrectly. Because people went online, you know, they went online, or they purchased the policy by way of mail. Now, if you have a service member or a postal worker, you know, if you buy life insurance through the VA or through the post office, we need to have a conversation. Because as you age, those policy face amounts do reduce, or if you're a union worker, and a union do offer certain life insurance coverages, but it's not enough. And I understand too if you don't continue to pay in some unions, if you don't continue paying your union dues, you will lose that life insurance benefit. My name is Donald Marquez, you can call me Don mercaz. Either way, 702 to 362624702236 to 826 24. I'd love to meet you. I love what I do. I was born to be an insurance agent I got in this business back in 96. I want to thank you Mr. Ed Davis for giving me an amazing opportunity changed my life forever. And I'm proud to say my son is a an insurance agent. He just recently started as an insurance he got he's getting he's got his license. And he's now he's practicing insurance. I just recently sent him a auto insurance quote. And he wrote the auto insurance quote. So I nepotism works sometimes. But I couldn't write it. I mean, I could. But the rate was a little different than what the people wanting to pay. The options would have payment options were not as favorable. But you know, that happens from time to time. And not often in business. I call my sign up and I say sign I have a I have a customer for you if you're interested in it because he works for a different insurance company. I'm an insurance broker. He works for different insurance company and because he needs to learn. He knew he wanted to be a broker with me. But I told him start start with a company. And he started well, I'll tell you AAA, he started with AAA. And he's there and he's happy. And I'm happy for him. He needs a you know, he's learning. And, you know, passive bashing on the tradition makes me very proud. My son in law so he's taking the taking the exam to being an insurance agent. So we're gonna have a family full insurance agent, so I love it. Pass my legacy. Oh 702-236-2624 My contact phone number. If you receive these benefits in the mail from your credit unions for either I added other insurance companies, you know, give me an opportunity First they get the right policy for you enjoy the rest of your day until next week just keep it crispy Thank you for listening

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