LiteStrats
LiteStrats is an American financial services company.
Doesn't the cost of insurance get worse as I age?
“Cost per dollar of insurance does climb as you age. That's just the math.”
在公司資料中查看What about surrender charges? Aren't I locked in for 10 to 20 years?
“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.”
在公司資料中查看The carrier can lower my cap or raise costs whenever they want, right?
“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.”
在公司資料中查看The illustrations look too good to be true. Aren't the projected returns unrealistic?
“Pre-2015 IUL illustrations were abused. Some agents illustrated 8 to 10 percent crediting rates that would never actually happen over time.”
在公司資料中查看Isn't "buy term and invest the rest" always better?
“Buy term and invest the rest is fine. For a lot of people, it's the right answer.”
在公司資料中查看This is complicated. Does anyone actually understand what they bought?
“Short answer: most clients don't. Most agents don't either.”
在公司資料中查看Dave Ramsey says the insurance company lends you your OWN money and charges you interest. How is that not a scam?
“Dave Ramsey's line: \"Being able to borrow your own money? Really?”
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