{"schemaVersion":"ready-scan.resource-sources.v1","locale":"zh-Hant","path":"/zh/sources/source-ac815379fc82b3f8","canonicalUrl":"https://readyscan.ai/zh/sources/source-ac815379fc82b3f8","machineUrl":"https://readyscan.ai/zh/discovery/sources/source-ac815379fc82b3f8.json","page":1,"pageSize":48,"totalCount":1,"totalPages":1,"previous":null,"next":null,"kind":"source","source":{"id":"source-ac815379fc82b3f8","url":"https://litestrats.com/faq/","title":"LiteStrats: /faq/","publisher":"litestrats.com","publicationCount":1,"modifiedOn":"2026-10-21","path":"/zh/sources/source-ac815379fc82b3f8","canonicalUrl":"https://readyscan.ai/zh/sources/source-ac815379fc82b3f8","machineUrl":"https://readyscan.ai/zh/discovery/sources/source-ac815379fc82b3f8.json"},"items":[{"key":"subject:Q140457122","citations":[{"id":"source-ac815379fc82b3f8","url":"https://litestrats.com/faq/","title":"LiteStrats: /faq/","publisher":"litestrats.com","accessedOn":"2026-10-21"}],"editions":[{"language":"en","title":"LiteStrats","description":"American financial services company.","path":"/entities/litestrats-q140457122","canonicalUrl":"https://readyscan.ai/entities/litestrats-q140457122","machineUrl":"https://readyscan.ai/discovery/entities/litestrats-q140457122.json","modifiedOn":"2026-10-21"}],"subject":{"slug":"litestrats-q140457122","name":"LiteStrats","questions":[{"question":"Doesn't the cost of insurance get worse as I age?","path":"/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-9718571585e0916deb3f"},{"question":"What about surrender charges? Aren't I locked in for 10 to 20 years?","path":"/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-fb5174c10ae932ab8ff2"},{"question":"The carrier can lower my cap or raise costs whenever they want, right?","path":"/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-36b2b571e00a7ff2a94a"},{"question":"The illustrations look too good to be true. Aren't the projected returns unrealistic?","path":"/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-dc3c6a379ce77195f8d1"},{"question":"Isn't \"buy term and invest the rest\" always better?","path":"/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-041cb310b1c5d9eae0a4"},{"question":"This is complicated. Does anyone actually understand what they bought?","path":"/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-d58ddf6e2e2e03363ebc"},{"question":"Dave Ramsey says the insurance company lends you your OWN money and charges you interest. How is that not a scam?","path":"/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-1e984a1268a2ed034576"}],"facts":[{"id":"content-native-digital-agencies-8057b3f0f4883b83-a-9718571585e0916deb3f","label":"Doesn't the cost of insurance get worse as I age?","value":"“Cost per dollar of insurance does climb as you age. That's just the math.”","path":"/entities/litestrats-q140457122#company-fact-content-native-digital-agencies-8057b3f0f4883b83-a-9718571585e0916deb3f","questionPaths":["/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-9718571585e0916deb3f"]},{"id":"content-native-digital-agencies-8057b3f0f4883b83-a-fb5174c10ae932ab8ff2","label":"What about surrender charges? Aren't I locked in for 10 to 20 years?","value":"“Surrender charges are real. Year-1 liquidity on a brand-new contribution is often 30 to 50 percent of what you put in, not 100 percent.”","path":"/entities/litestrats-q140457122#company-fact-content-native-digital-agencies-8057b3f0f4883b83-a-fb5174c10ae932ab8ff2","questionPaths":["/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-fb5174c10ae932ab8ff2"]},{"id":"content-native-digital-agencies-8057b3f0f4883b83-a-36b2b571e00a7ff2a94a","label":"The carrier can lower my cap or raise costs whenever they want, right?","value":"“Yes, and this is the single most credible criticism of IUL. Caps, participation rates, and cost of insurance are all non-guaranteed in the policy contract.”","path":"/entities/litestrats-q140457122#company-fact-content-native-digital-agencies-8057b3f0f4883b83-a-36b2b571e00a7ff2a94a","questionPaths":["/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-36b2b571e00a7ff2a94a"]},{"id":"content-native-digital-agencies-8057b3f0f4883b83-a-dc3c6a379ce77195f8d1","label":"The illustrations look too good to be true. Aren't the projected returns unrealistic?","value":"“Pre-2015 IUL illustrations were abused. Some agents illustrated 8 to 10 percent crediting rates that would never actually happen over time.”","path":"/entities/litestrats-q140457122#company-fact-content-native-digital-agencies-8057b3f0f4883b83-a-dc3c6a379ce77195f8d1","questionPaths":["/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-dc3c6a379ce77195f8d1"]},{"id":"content-native-digital-agencies-8057b3f0f4883b83-a-041cb310b1c5d9eae0a4","label":"Isn't \"buy term and invest the rest\" always better?","value":"“Buy term and invest the rest is fine. For a lot of people, it's the right answer.”","path":"/entities/litestrats-q140457122#company-fact-content-native-digital-agencies-8057b3f0f4883b83-a-041cb310b1c5d9eae0a4","questionPaths":["/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-041cb310b1c5d9eae0a4"]},{"id":"content-native-digital-agencies-8057b3f0f4883b83-a-d58ddf6e2e2e03363ebc","label":"This is complicated. Does anyone actually understand what they bought?","value":"“Short answer: most clients don't. Most agents don't either.”","path":"/entities/litestrats-q140457122#company-fact-content-native-digital-agencies-8057b3f0f4883b83-a-d58ddf6e2e2e03363ebc","questionPaths":["/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-d58ddf6e2e2e03363ebc"]},{"id":"content-native-digital-agencies-8057b3f0f4883b83-a-1e984a1268a2ed034576","label":"Dave Ramsey says the insurance company lends you your OWN money and charges you interest. How is that not a scam?","value":"“Dave Ramsey's line: \\\"Being able to borrow your own money? Really?”","path":"/entities/litestrats-q140457122#company-fact-content-native-digital-agencies-8057b3f0f4883b83-a-1e984a1268a2ed034576","questionPaths":["/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-1e984a1268a2ed034576"]}]},"selected":{"language":"en","title":"LiteStrats","description":"American financial services company.","path":"/entities/litestrats-q140457122","canonicalUrl":"https://readyscan.ai/entities/litestrats-q140457122","machineUrl":"https://readyscan.ai/discovery/entities/litestrats-q140457122.json","modifiedOn":"2026-10-21"}}],"versionId":"fnv1a64:9c3d04b2a96337da"}