{"id":859,"date":"2018-09-20T01:59:54","date_gmt":"2018-09-20T01:59:54","guid":{"rendered":"http:\/\/www.himmelsteinfinancial.com\/?p=859"},"modified":"2018-09-20T02:09:27","modified_gmt":"2018-09-20T02:09:27","slug":"smokers-get-non-smoker-rates","status":"publish","type":"post","link":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/smokers-get-non-smoker-rates\/","title":{"rendered":"Smokers get Non-Smoker Rates"},"content":{"rendered":"

\"\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"","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-dR","jetpack-related-posts":[{"id":576,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/pot-smokers-can-get-preferred-non-smoker-rates\/","url_meta":{"origin":859,"position":0},"title":"Pot Smokers can get Preferred Non Smoker Rates","date":"09\/28\/2016","format":false,"excerpt":"\u00a0 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\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":859,"position":1},"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":859,"position":2},"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":859,"position":3},"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":772,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/secrets-of-underwriting\/","url_meta":{"origin":859,"position":4},"title":"Secrets of Underwriting","date":"02\/07\/2018","format":false,"excerpt":"Some Underwriting Secrets There are certain companies to go for certain conditions. We know companies that favor people with Heart Disease, diabetes, cancer,etc. We have one company that has given us a standard issue on cases like Parkinson\u2019s, Juvenile Diabetes, Stent patients, Minor cardiac Issues, Former Hep C, and even\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":775,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/financial-underwriting\/","url_meta":{"origin":859,"position":5},"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":[]}],"_links":{"self":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/859"}],"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=859"}],"version-history":[{"count":2,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/859\/revisions"}],"predecessor-version":[{"id":862,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/859\/revisions\/862"}],"wp:attachment":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/media?parent=859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/categories?post=859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/tags?post=859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}