{"id":576,"date":"2016-09-28T19:22:30","date_gmt":"2016-09-28T19:22:30","guid":{"rendered":"http:\/\/www.himmelsteinfinancial.com\/?p=576"},"modified":"2016-09-28T19:27:04","modified_gmt":"2016-09-28T19:27:04","slug":"pot-smokers-can-get-preferred-non-smoker-rates","status":"publish","type":"post","link":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/pot-smokers-can-get-preferred-non-smoker-rates\/","title":{"rendered":"Pot Smokers can get Preferred Non Smoker Rates"},"content":{"rendered":"

 <\/p>\n

\n
\n
\n
\n
\n
\n

That’s righ\"marijuana-picture\"t the headline speaks for itself.\u00a0\u00a0 Many states have either legalized pot for medicinal purposes and some states have allowed using it for recreational use as well. \u00a0 In the past it was a no-no for anyone even applying for insurance to ever admit that they smoke weed and of course these people were paranoid that they would be caught or associated with this practice.<\/p>\n

As an advisor and an insurance broker we have been put into the difficult position of telling our client(s) that the companies discriminate against smoking pot and that if issued would probably get smoker rates.\u00a0 Now we can actually find companies that do not discriminate and accept that marijuana smokers whether medicinal or for recreation that they can get non smoker and even preferred rates.\u00a0 In the past many people have asked how long does it take to get out of their system if they were to get fluids withdrawn from them for the purpose of underwriting.\u00a0 Those of us in the know had the facts that it almost takes a month of abstinence to not show up in the specimens. Some companies don’t even check for usage anymore.\u00a0 However, there are now companies that don’t turn a blind eye to the facts but rather accept that a part of the public will smoke pot especially if its legal.<\/p>\n

We are not talking about fly by night companies or lower rated ones but rather some of the largest and most competitive companies issue policies on these people and the client does not have to lie or deceive the company that they don’t smoke.\u00a0 We have always advocated telling the insurance companies the truth so they can’t contest any claims that might occur.<\/p>\n

My firm not only knows about which companies participate in such a liberal practice we also know which companies will be the most competitive.\u00a0 We also know if people smoke other products like cigars, electronic cigarette users or chew tobacco which companies once again will issue non smoker and sometimes preferred even for a client who has a positive specimen for nicotine.\u00a0 My firm created a website that highlights this www.cigarpipesmokerinsurance.com<\/a> .\u00a0 If any potential client, or broker was to inquire I would be happy to help them procure the best priced insurance they could find.<\/p>\n

We even have a company that gives non smoker rates for the first three years to cigarette smokers in their smokers cessation plans.\u00a0 I urge all readers who either know a smoker of any kind to feel free and call or email us and we would be happy to help them procure the best price for their insurance.<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

  That’s right the headline speaks for itself.\u00a0\u00a0 Many states have either legalized pot for medicinal purposes and some states have allowed using it for recreational use as well. \u00a0 In the past it was a no-no for anyone even applying for insurance to ever admit that they smoke weed and of course these people […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1],"tags":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdUwpZ-9i","jetpack-related-posts":[{"id":859,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/smokers-get-non-smoker-rates\/","url_meta":{"origin":576,"position":0},"title":"Smokers get Non-Smoker Rates","date":"09\/20\/2018","format":false,"excerpt":"","rel":"","context":"Similar post","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/smokers-flyer.jpg?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":775,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/financial-underwriting\/","url_meta":{"origin":576,"position":1},"title":"Financial Underwriting","date":"02\/07\/2018","format":false,"excerpt":"Financial Underwriting: When one is writing those larger cases and even some smaller ones the advisor agent can\u2019t assume just because the client wants it that the insurance company will accept the client for what they apply for.\u00a0 Just like a mortgage the company wants to know if the client\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":943,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/have-you-checked-your-clients-term-today\/","url_meta":{"origin":576,"position":2},"title":"Have You Checked Your Clients Term Today?","date":"02\/01\/2019","format":false,"excerpt":"Have You Checked Your Client's Term Today? Term Insurance - Easy And Profitable Everybody Has Term Insurance Through work Through Association Individual All Of These Policies Have Disconnects *Click Here for\u00a0Disconnects for Group and Association\u00a0 *Click Here for\u00a0Disconnects for\u00a0Individual\u00a0Policies Items to Check on All Policies For Comparison Age Last, Age\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":636,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/underwriting-basics\/","url_meta":{"origin":576,"position":3},"title":"Underwriting Basics","date":"04\/12\/2017","format":false,"excerpt":"Underwriting At Its' Best in the Current Market If you have been in the business for a longer period of time, over 10 years, then you have seen significant changes in underwriting.\u00a0 What you experienced in the past should not necessarily be a sign of the future. Companies now use\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":456,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/the-art-of-big-cases\/","url_meta":{"origin":576,"position":4},"title":"The Art of Big Cases","date":"05\/11\/2016","format":false,"excerpt":"The Art of Big Cases This newsletter will be part 1 of 2 where the second one will be about concerns and characteristics of the big client.\u00a0 Don\u2019t ignore this article if you are in the marketplace as many professionals that have been in the business for a long while\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":469,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/simplified-issue-competitive-term-with-excellent-commissions\/","url_meta":{"origin":576,"position":5},"title":"Simplified Issue Competitive Term with Excellent Commissions","date":"05\/11\/2016","format":false,"excerpt":"The Operative words are EASY and QUICK. Companies are finally coming to the market with EASY issue term that doesn't require the usual hassle of APS's, blood or urine. In addition, your cases will get issued in less than a week in most situations. Best of all unlike other companies\u2026","rel":"","context":"Similar post","img":{"alt_text":"blogimage1","src":"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/2016\/05\/blogimage1.png?resize=350%2C200","width":350,"height":200},"classes":[]}],"_links":{"self":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/576"}],"collection":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/comments?post=576"}],"version-history":[{"count":4,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/576\/revisions"}],"predecessor-version":[{"id":581,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/576\/revisions\/581"}],"wp:attachment":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/media?parent=576"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/categories?post=576"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/tags?post=576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}