Articles by Kevin Mercadante

Kevin Mercadante is a former mortgage loan officer and blogger behind Out of Your Rut. He is an expert in mortgages, career strategies and retirement planning. Education: B.S. in Accounting and Finance from Montclair State University.

401(k) vs. 403(b) vs. 457 Plans: Compare Employer-Sponsored Retirement Plans Learn the differences between 401(k), 403(b), and 457 plans -- along with their pros and cons -- to help you compare these employer-sponsored retirement plans. How and Why to Convert Term Life to Permanent Life Insurance Photo of Kevin Mercadante Kevin Mercadante How and Why to Convert Term Life to Permanent Life Insurance Partial Conversion Under many conversion options, you’ll have the ability... Life Insurance Health Ratings: How They Affect Your Policy Premiums Photo of Kevin Mercadante Kevin Mercadante Life Insurance Health Ratings: How They Affect Your Policy Premiums If you’re currently researching life insurance policies or wish to do so in the... What is a Life Insurance Waiting Period? Find out how the life insurance waiting period affects the benefits paid out if you die soon after your life insurance policy begins. Rideshare Insurance: Do Uber and Lyft Drivers Need It? If you're driving for Uber, Lyft, or other rideshare company, learn about rideshare insurance and getting the right type of coverage against car accidents. SR-22 Coverage and Car Insurance for High-Risk Drivers Photo of Kevin Mercadante Kevin Mercadante SR-22 Coverage and Car Insurance for High-Risk Drivers What is SR-22 Insurance? Often referred to as a certificate of financial... Vision Insurance: Do You Need It? Photo of Kevin Mercadante Kevin Mercadante Vision Insurance: Do You Need It? Everyone, it seems, is concerned about health insurance. This is not only... RV Insurance: What You Need to Know About Insuring an RV Find out what you need to look for when applying for RV insurance and how much coverage will cost. Open Enrollment Period: Why It's So Important for Health Insurance Find out how the open enrollment period may apply to when you're able to apply for health insurance coverage outside of any qualifying special events. What Smokers Should Know About Buying Life Insurance Photo of Kevin Mercadante Kevin Mercadante What Smokers Should Know About Buying Life Insurance If you’re a smoker and you haven’t shopped for life insurance, you’ll be in for a...