Donald Marquez, a licensed insurance broker, discusses various insurance topics on his radio show. He explains the "loss of use" clause in homeowners insurance, which provides additional living expenses for 12 months after a fire, and suggests negotiating for longer coverage. Marquez emphasizes the importance of life insurance, sharing stories of families struggling financially after a loved one's death. He offers policies without health exams, up to $35,000, and advises against accidental-only policies. He also discusses the rising costs of funerals, the importance of having life insurance to cover these expenses, and the need for Real ID by May 7, 2025.