Donald Marquez, a licensed insurance broker, discusses the importance of life insurance with his guest, Cheryl Lightford. Cheryl shares her positive experience with Marquez in insuring her parents in their late 70s, despite their health conditions. Marquez emphasizes the rising costs of funerals, which can range from $15,000 to $20,000, and the benefits of life insurance, including tax-free payouts. He highlights his ability to secure policies for those with pre-existing conditions and introduces a new program from Americo that offers smokers a chance to be rated as non-smokers after two years. Marquez also offers free policy reviews and stresses the importance of having life insurance to avoid financial strain on family members.