Announcer  0:00  
This is a KU NV studios original program.

Wesley Knight  0:05  
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 Moore the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. Dave

Donald Marquez  0:25  
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. John,

Donald Marquez  0:46  
good morning everyone. My name is Don Marquez, broadcasting right here at KU NV, 91.5 jazz and more. I am a licensed insurance agent right here in my beautiful hometown, Southern Nevada. I love Vegas. I do. I don't like the heat, but I love Vegas, and this weather is absolutely beautiful. We have an amazing weekend. It's a little warm for this time of the year, but let's enjoy it again. I'm a licensed insurance agent. I'm licensed for auto insurance, homeowner's insurance, renter's insurance. If you're a renter, you need renter's insurance, both motorcycle insurance. Yes, we all need life insurance. My office is located on the corner of Sahara Rancho in the US bank center, eighth floor. My business hours are Monday through Friday, from 10am to 5pm and by way of phone, you can contact me at 702-236-2624, 702-236-2624,

Donald Marquez  1:51  
my email address, if you like, to email me to make contact. Donald.marquez@outlook.com I've been an insurance agent for 30 years, and if you're listening to my program for the very first time, welcome. I appreciate you tuning in. It's early Sunday morning for May. You know, we all have to get adjusted this time adjustment. I like we just leave it on daylight savings time. You know, we need to put that on the voting ballot. Just leave the time alone. What's the difference? I mean, one hour makes a difference, especially because we have an extra hour of daylight in the evening. And I like it. I like to be in the backyard relaxing, and it's only, oh, it's five, still bright outside, and it's only like 630 I like that. I do. I like that with the shade in the backyard, but let's leave it on daylight savings and time. You know what? I hope everyone agree with me on that. Let's leave it alone. Let's time is time it's gonna go by regardless. And speaking about time, time goes by very quick. If you haven't talked Have you haven't received this message listening to this program, I talk about a lot of life insurance. I talk about auto insurance, homeowners, a little bit of renter, renters, but really a focus on life insurance, because life insurance is like in a small time capsule. We don't have a whole lot of, you know, it's, you know, it starts and it's finishes. What time? Time is a asset, and, you know, time could be an asset, or time could be, you know, not in your favor. The longer you wait to make a decision. I talk to people that's in their 70s, no life insurance. They just like, well, you know, you know, it's just that, that hesitant something, you know, sometimes they don't want to talk about it. They understand what it how it works. At 70, you should know how life insurance work, because at 70, in your 70s, you've been to quite a few funerals. You heard horror stories about family members not having life insurance. You've heard it all at 70. Trust me, I know I'm 70 ish, and I've experienced going to homecomings and watching family members just get ripped apart because there's no fun, no financial stability. It's sad. It really is, because people work all their life and don't prepare for that day. Because some sometimes we just say to ourselves, if something happens to me, if something happens to me, I don't know who came up with that phrase and why we even say that phrase, because it is going to happen to you. It's just a matter of time. Like I said, time could be an asset. Time could be not in your favor as well. You know, it could hinder you, because now time is running out. And you know, with time, as we age, you. And if you are in your 70s, you know health conditions change. You know, from 50 to 60 to 70, and when you're in your 70s, trust me, you know it's a blink of an eye. And you're in your 70s, you go from 50 as soon as you hit 55 seem like the you know, the gas pedal is floored, and all of a sudden, now from 55 year ago, one day at him, what did 15 years go? I'm in my 70s. I'm retired, getting ready to retire, or still may have to work, but you know your finances is is on a tight budget, and we all are on a budget, with everything going on today, with the gas prices, food prices, I was in the my local grocery store, and it's a quick like going in and out CVS. Sometimes I just go there because it's quick, easy in and out. I looked at cereal. It was cereal, like, $9 a box of cereal. I don't need cereal, but $9 a box of cereal. I mean, it was almost $10 with it, with the change in the taxes, $10 for cereal. Like, what are you kidding me? But that's where we are today. I like fruits and vegetables. I get a lot of produce, fruits vegetables. I eat blueberries and strawberries every single week in my smoothie. Have to have it. Have to have it. Great nutrition, good for your body. You know, it's just good stuff. You know, especially, you need to put it in the smoothie. And you can add a honey and other ingredients along with it. But if you're not, if you're not juicing. That's a great way to juice. And, you know, put all the ingredients in your mixer and mix it all together, whatever you want to put in there to add to the strawberries, blueberries, apples. I just that's religious every, every week I'm drinking that. And I feel great. I feel great. This is that, you know, this is health maintenance, because I'm in my 70s and qualifying for life insurance. And in your 70s, the life insurance companies know that in your 70s, the mortality rate from 70 to 85 is high. Between 70 and 85 your mortality especially when you reach a threshold of 80. Now, when you hit 80, you have to say to yourself, how much time do I love? Because I said time may not be in your favor. I said that earlier. So when you hit 8085, 8889 now, when you hit 80, you definitely in a deep fourth quarter of life, right? Aren't we? We're in it even at 70 I'm in the fourth quarter. We never know, because we know people that pass at 7775 8182 or people that live to be in and their 90s. And what kind of health condition are they in at their 90s, unless they're absolutely taking care of ourselves, you know, drinking and smoking. You know, we could do that for a while, but it catches up to you. You got to just, you know, do things in moderation. Now, smoking, if you plan on quit smoking, I do have a company that will allow you to get the non smokers rate for the first four years. Non smokers rate, they give you 12 months to stop smoking with a life insurance policy up to $50,000 whole life is called a quit smoking advantage. It's a great program for people that that plan to stop smoking. Now you get the non smokers rate, and sometimes people hustling to contact me because they're a smoker, and I understand, because they know, they know as a smoker, they'll pay more for life insurance than a person that's not smoking. But listen, if you just smoke cannabis, I will not rate you as a smoker if you just smoke cannabis, right? So cannabis with the insurance companies, they don't rate you as a smoker, only, only if you smoke cannabis, if you smoke hookah and cannabis, then you'll be rated because now hookah is tobacco. I had a gentleman contact me and say, Hey, I need life insurance policy. He did the test. He did everything. He came back a smoker, and he couldn't understand why. Well, I said, Do you smoke hookah? He said, Oh yeah, I do. I said, you know that's tobacco, right? I don't know why he asked. Act surprise, but hookah, when you do smoke the hookah, and I watch him in the lounges, you're inhaling a lot of smoke at one time and you're exhaling a lot of smoke out. It's, it's, I don't see any enjoyment and all that. I've tried it a few times, you know, I'm not, I'm, you know, I've tried it a few times. I just don't like the feeling I get the next day in the morning, you know, I wake up like I shouldn't have done that. I. But, you know, you have to make decisions. I used to get a cigar on occasion with a bourbon. Oh, yeah. I sit in the backyard my cigar, my bourbon. Oh, you know, every every blue moon, hey, I get in that mood. And I stopped the cigars because I didn't like to taste in the morning when I woke up. So I still do the bourbon every once in a while, but

Donald Marquez  10:20  
I have a, you know, we all have our vices, but as long as we do things in moderation, especially when we start to age, you know, and when I come on the radio, listen, I'm just like you. I'm just like you. I'm just a person that likes to enjoy life without complications. If something happens. I want to be able to take care of whatever happens. I make sure, you know, whatever goes on in my life, I've lost, I lost significant loved ones in my life, and, you know, go through that whole process of their final expenses. You know, it's mind open, it's mine, eye opening, mind boggling, and all of that, because it's very expensive to close out a person's estate, it is. I mean, when you're talking about a house or apartment, or whether you're talking about a renter or homeowner, cars, credit cards, and the list just goes on and on, utility bills, all that's included in final expense, not to mention the very expensive funeral. If you just tuning in for the very first time, welcome or if you've listened to my show. Over the years, I've been here at KU nv 91.5 jazz and more. Welcome to my show. I want to give a shout out to my customers that called me. We we worked out their insurance over the phone. Thank you so much for your continued support. It's always nice when they say, you know, I heard you at KU NV, 91.5 jazz and more. I heard you over to KU NV, and I just, you know, I just really like what you're saying. And I need to get I need to get this taken care of. I need to get some life insurance. Now, there's many different ways to purchase life insurance. You can purchase it on one phone by getting on an 800 number or go online. But you know, you lose the personal touch. I'm about the personal touch. You have a contact person. If something comes up, well, you need to have an answer instead of picking up the phone, because you brought your life insurance policy on the internet, or you saw something coming, it came in the mail, he felt it out. He said, Okay, this looks simple and easy, but that's the worst policy you can purchase. It's through the mail, or when you go online, okay, you receive a lot of phone calls. I can't tell you, people call me and they said, You know, I went online, and I get all these, all these calls from all these different people. I don't know them, but you hear my voice every week right here at KU nv 91.5 jazz or more. You know, I have different ways to offer a policy, a life insurance policy, over the phone. We can do it easily, or we can meet at my office. My office is located Sahara Rancho in the US bank center, 70223626247022362624

Donald Marquez  13:13  
is my contact phone number. If you have a life insurance policy and you have a child or grandchild, you like to add to the policy, as long as you add that child on your life insurance by age 17, not 18, because not 18, they're considered an adult. I've had men, and the reason why I have to say that is because I've had many parents contact me and they want to add 30 year old children on their life insurance policy. Oh, can I add my, well, I'll take out a life insurance policy. But can I add my 30 year old son or daughter on my life insurance? No, you cannot, although sometimes there are situations where you're taking care of these. You know, middle aged, young, age adults, 30 ish old because, you know, maybe you know they have health problems or they can't, you know, just can't afford to live out there with the high cost of rent and everything else, and they live home with you, I understand. But no, you cannot add your 30 year old on your life insurance policy. They have to be at least 17 years young or younger to be added on your life insurance as a writer, and it's a term writer because this because they're only on there for a short period of time now, once they turn 25 years young, then they can purchase their own life insurance or spin off on your life insurance policy with their own policy, hopefully they will pay the premium at 25 or 26 Good luck. Now, if you have a life insurance policy and then the rate is going up on you and it's adjusting on you from time to time, you have to say to yourself, I don't know why this policy is getting expected. Is the older I get, I'm in my 70s, the older I get, the more this insurance cost I offer, no obligation reviews. No Obligation reviews. That means you come in my office with an appointment and your information. I cannot pull your life insurance information online. Now, what I can do. I can call your life insurance company doing business hours with an appointment, and then we can discuss what coverages you have, why your policy is going up. I know why it's going up. I'm gonna tell you why it's going up. Okay? I'm gonna tell you, because you purchase a policy, I call them these rates that get you hooked. They because they're their rates for the first five years. There's a very attractive race. Everyone is quoting you a lot higher. But why is this company a lot less? And all of a sudden now, because you look at that first month for you know, you don't look at the details. You just look at what you're paying month to month. And it's a good and it sounds like a great deal. And you're like, Wow, this is good. I'm only paying a lot. I'm paying a lot less than everyone else is quoting. The reason why is because, for the first five years, they give what I call you a teaser rate. So you're paying on this for the first five years, and every five years thereafter, your policy adjust your rate on your life insurance policy, it gets more and more and more expensive because you bought the policy on by way of mail. It came in the mailbox. Oh, this looks great. Sign up for it. No physical Oh, wow. I got a policy to come in the mail. No one to come to your house to explain to you what you just purchased, you kind of own, your own now we can do self save, self service gas, and we can own, you know, on our gas cars, and we have electric cars. Now I'm include electric cars, and we can know how to recharge the electric cars. But when it comes to life insurance, you need a professional. It's a major decision. You're spending money every single month. You need to know what you're spending money on. This is why I'm available for reviews, no obligation. That means you pay nothing to come in my office and I'll review your policy and just let you know where you are and don't think you're good, because if your policy is increasing on you, you're not good. I've had people say that. Well, you know, I'm good. My policy goes up on me a little bit, but I'm good. See, the problem is this, so you for the first, let's say for the first 10 years, you probably are good, okay, because that first five go by, okay, not so bad, depending on your age. Now, when that first five go by and you and your in your 50s, not so bad. Now you hitting 5560 not too bad. But what happens is, when you start in 65 and 70, if you buying these policies at 65 and 70 and up, then you start seeing that rate adjustment. You know that's when you need to have a review, because it's going to be unaffordable. Yeah, those policies are designed for you to cancel those policies because they're not affordable, and they make them very expensive, and sometimes your health changes, and you need to hold on to it. But you know, you went from like, you know, like zero to 100 miles an hour and few, like, in 15 years in the policy, and you're saying to yourself, I can't afford these things. It's too much money. My recent benefits are locked in for the life of the policy, regardless of the life insurance you purchase. Now, sometimes when we pre qualify somebody for insurance and the underwriters go over the medical history of a person, sometimes the policy will adjust once. Let me say that, because if you're on certain medications, and it goes through underwriting and underwriters look at it, and they email me and they said, Okay, Mr. Marquez, you need to contact your your customer to let them know that's the rate that we quoted them is not going to be the rate is going to be issued on the policy because of this medication they're currently taking. And I say this, and I've said this again and again, your body, your medications you're currently taking, dictates the rate once you accept the policy, rates and benefits are locked in for the term of the policy or the life of the policy. For more information, my name is Don Marquez. This is your insurance connection. 702-236-2624 702-236-2624

Donald Marquez  19:32  
Hey, funerals cost a lot of money. They really do 15, 20,000 and up. I mean, it depends on how elaborate you want your homecoming, and you know, and don't say, I don't care. Please don't, don't, don't do that. I don't care what happens to me. When you say you don't care what happens to you, to you, it's not that difficult. You know. How much do you pay for television? Ask yourself now television is utility. Now, if you're in your cell. 70s. We all can remember when television was free. We just, we just watched television commercials, and it wasn't as many commercials that they have today on certain channels. Now, certain channels, you know, too many channels, too many, too many commercials on that channel. You know. You know, there's certain channels. I just pre record the shows. I do. I record the shows because I can't, I can't go through, you know, 10 minutes of programming and, like, 20 minutes of commercial. I just my eyeballs. Can't take it. But we can remember, in our 70s when television was free. Now it is a utility, yeah, and they made television utility because all these different stations, and we want to see because everybody say, Hey, did you see this on Netflix? Did you see that on Hulu? Did you see that on peacock? Like, no, no, I gotta get peacock. I gotta and yeah, and then you got all these different channels. That's a lot of that's a lot, that's a lot of television. Now, I reduced my programming, and it's still significant. But again, when you when we were younger, and my seven year olds can contest to this, we didn't pay for television. It was, it was the commercials. Paid for the television, you know? And I don't think it's fair if we are paying for a television for these cable networks, you know, why do we have commercials? Okay? Why don't we have commercials? Don't make sense to me. If I'm paying to watch this program, I don't want to see any commercials. And sometimes they say, Okay, if you have Netflix, or whatever these other streaming programs are, if you pay a little extra, then you don't get the commercials. All right. Well, whatever it says, nickel, dime, here, here, here. But that doesn't mean anything when you need final expense, you know, where you could just read, reduce all these programs you don't watch, and get your life yourself a life insurance policy if you are a smoker and the cost of cigarettes are extremely expensive. Yeah, they are. And I've seen people buy cigarettes, and I'm like, wow, and they buy one pack, and it was like, $10 almost for one pack, $10 or more for one pack of cigarettes. And I'm like, how long would that last? And then they're back, you know, the next day to do the same thing and over and over again, or if you even go to these coffee houses, I'm just, I'm bringing this up because people find excuses not to say I can't afford life insurance. Because, you know, I got coffee I drink, I go to the coffee house and buy my coffee. That's a lot of money. I spoke with a lady. She heard this program on on KU nv 91.5 jazz or more. And I was just talking about this very subject where we're talking about, right now, you know, going to the coffee houses smoking cigarettes. And she said, You know what, I listened to your program. I do both I have my cigarette and my coffee from the coffee house, right and, and when I added it up, when you say, add up, which is spending on coffee and cigarettes per month. It'll just, it'll, it's mind boggling. She was paying just coffee alone $300 a month cigarettes. That was around $200 a month for cigarettes because she smoked cigarettes and her coffee. So she had her cigarettes and her coffee. And sometimes she tell me, sometimes, Don I go to, I go to the coffee house two and three times a day because it wasn't far from her her job. So she on her break, I got my coffee and I gotta have my cigarette. On my break, she gets zoop, zooped up and, you know, finish her work. I say Zoopla, because it's the more of a stimulant. It stimulates you to do what you have to do during the day, but it gets very expensive. And then on top of that, now you go home and you watch TV with all these channels you don't, you don't watch, but you're still paying for it. Adjust your finances. Adjust your finances. You know, some of us like to entertain ourselves going out gambling. You know, this is my only vice, I go play video poker. That's, that's a very expensive vice, very expensive. I worked in the casino industry for 18 years. I saw very, I saw very, very few winners. And when these commercials I see on television where people just all excited, and the pretty girls around the table, and they're winning money, and everybody's excited and yay, and they all look healthy. They all look extremely healthy, you know. But you know, that's not reality. Usually you can see the complete opposite. When you go to the casinos. People are not screaming and yelling. They're doing the complete opposite, because these machines and these games are just taking their money. I'm saying enjoy yourself. I'm not saying don't enjoy yourself. My enjoy but I like to enjoy going to concerts. I love, love going to the lake, riding my motorcycle sometimes. Oh, I have my I have things I enjoy doing too. But you know, these are things that we do regularly that we can readjust. And get yourself a life insurance policy. My name is Don Marquez. This is your insurance connection. This is News You Can Use 702-236-2624, 702-236-2624, with a life insurance final expense, life insurance policy, monthly payment comes directly out of your monthly draft by way of your checking account. We need the routing number and the checking account number, not a debit card, not a debit card. We need the actual checking account number. You can select a due date between the first and the 28th of each month. You can make your payments monthly, annually or semi annually, quarterly, even, 702-236-2624, when you purchase life insurance by way of the mailbox and you see this offer, and it's accidental, only I need you to tear that information up, throw it away. It's worthless. It's just something that take more year, and it's very affordable. It is accidental only, oh, wow, I can get a million dollars worth of life insurance for little or nothing. I mean less than that. You know that cup of coffee costs every month almost sometimes these these policies are so attractive. Yeah, I look at them. They send them to me, and I laugh. I do because they won't. They won't pay for natural causes. They won't. So you pass the natural causes, your family won't receive a nickel because it says accidental only or travel accidental life insurance. Keep that in mind. I've been licensed for 30 years right here in Southern Nevada. I'm also licensed for life insurance in California, Louisiana, Texas, Michigan, for home and auto. I'm licensed in 48 states, excluding California for home and auto, and New York, 702-236-2624, 702-236-2624, if you're the if you're listening to this program in another state, and other than what I just mentioned, for life insurance, let's say you're in Idaho, and you listen to KU and V 91.5, jazz and more, I can get a license on Idaho. 702-236-2624 702-236-2624, we're we'll do this again next week. Go outside. Enjoy yourself. Take a nice walk around the neighborhood, around the park. Until then, just keep it crispy. You.

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