org-insert-heading-respect-content

org-insert-heading-respect-content is a variable defined in `org.el'.
Its value is

nil

Documentation:
Non-nil means insert new headings after the current subtree.
When nil, the new heading is created directly after the current line.
The commands M-x org-insert-heading-respect-content and M-x org-insert-todo-heading-respect-content turn
this variable on for the duration of the command.

You can customize this variable.