The following are posts by staff writer, , who is a professional personal finance blogger, and the owner of his own personal finance blog, OutOfYourRut.com. He has backgrounds in both accounting and the mortgage industry.


Atrial fibrillation, commonly referred to as A Fib is the most common type of irregular heartbeat. It affects about 2.2 million people in the US, and becomes more common with age. Since it has no immediate effects, it’s possible that you won’t even know that you have it. But what if you do, and you […]

The biggest benefit of term life insurance is lower cost when compared to whole life insurance, and other policy types that have an investment provision. Term costs considerably less, and if you invest your savings yourself, you’ll almost certainly have more money in the future than you will have with a whole life policy. But […]

It has become popular among some life insurance agents, agencies, and companies to sell customers life insurance policies that are blended with an investment provision. But few people bother to ask if life insurance should even have an investment provision at all. The basic idea has been to sell two very distinct financial products under […]

You’ve probably heard about trusts. But you may have thought that trusts are only for “rich people”. That’s hardly the case. In truth, anyone can set up a trust, even if you don’t have much money. You can do it using life insurance to create a trust. And though you may not be around to […]

People often shop for life insurance the way they shop for car – they look for the best package of options. They look at investment provisions, cash values, loan provisions, and a large enough death benefit to handle any potential outcome. That’s noble, but it’s also complicated and expensive. And for that reason, many times […]

Most people are aware that certain diseases or health conditions can negatively impact an application for life insurance. While that’s well-known to be the case with common diseases like cancer and heart disease, there are lesser known medical conditions that also affect the process. One of those is Addison’s disease, which is so rare that […]

There are a lot of questions when it comes to buying a life insurance policy. What options and riders are available? Will my premium go up? Are there any potential exclusions or loopholes? But fewer people concern themselves with distribution options from a life insurance policy. And that’s just as important as any other provision […]

Have you avoided applying for life insurance because you have high cholesterol? It is a health condition that can affect your life insurance application. But the degree of that effect will be determined by how you handle the application process. You can get life insurance with high cholesterol, and even get a policy with affordable […]

If you tend to think long-term when it comes to managing your finances, you’ve probably seriously considered (or are considering) purchasing a whole life insurance policy. After all, whole life is permanent life insurance, so you’ll be able to keep it for your entire life. But you may be able to achieve all of your […]

As is the case with any type of health-related condition, hepatitis can complicate the process of applying for life insurance. However, it’s important to understand that a hepatitis diagnosis does not mean that you cannot get life insurance. There are various types of hepatitis, that occur to different degrees, and when matched with the right […]