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.

Life Insurance Health Ratings: How They Affect Your Policy Premiums Learn about the different life insurance health ratings that have an impact on your ability to qualify for coverage and the premiums that you end up paying. What is a Life Insurance Waiting Period? Photo of Kevin Mercadante Kevin Mercadante What is a Life Insurance Waiting Period? Just about any type of life insurance policy you purchase will come with a... Rideshare Insurance: Do Uber and Lyft Drivers Need It? Photo of Kevin Mercadante Kevin Mercadante Rideshare Insurance: Do Uber and Lyft Drivers Need It? If you’re a rideshare driver, it’s a common misconception that your personal car... SR-22 Coverage and Car Insurance for High-Risk Drivers Learn about SR-22 coverage as an add-on to your car insurance policy when you're considered a high-risk driver due to serious infractions, such as DUIs. Vision Insurance: Do You Need It? Find out how vision insurance works to maintain your eyesight and determine whether you should pay the additional premiums or pay out-of-pocket. RV Insurance: What You Need to Know About Insuring an RV Photo of Kevin Mercadante Kevin Mercadante RV Insurance: What You Need to Know About Insuring an RV Whether you plan on using your RV as a full-time home or for occasional road... Open Enrollment Period: Why It's So Important for Health Insurance Photo of Kevin Mercadante Kevin Mercadante Open Enrollment Period: Why It's So Important for Health Insurance Each year the Affordable Care Act (ACA) – the government sponsored health... What Smokers Should Know About Buying Life Insurance Find out how buying life insurance may be different for smokers, especially when it comes to the impact on the cost of premiums. How to Get Car Insurance for a Salvage Title Vehicle Find out what to expect when it comes to shopping for car insurance for a salvage title vehicle, which may come with different considerations on coverage. How to Lower the Rate on an Existing Life Insurance Policy After Health Improvements Photo of Kevin Mercadante Kevin Mercadante How to Lower the Rate on an Existing Life Insurance Policy After Health Improvements If you have life insurance and when you first applied, you were in...