# LiteStrats
> American financial services company.

- Canonical entity: https://directory.readyscan.ai/entities/litestrats-q140457122
- Website listed in the source snapshot: https://litestrats.com/
- Category: [Businesses](https://directory.readyscan.ai/directory/businesses)
- Machine record: https://directory.readyscan.ai/discovery/entities/litestrats-q140457122.json
- Material fingerprint: fnv1a64:3a9a25922863a1e9
- Entity revision: fnv1a64:51a44cd37fb42dba
- Published: 2026-10-21
- Modified: 2026-10-21

## Products & services
### [BankLite](https://directory.readyscan.ai/entities/litestrats-q140457122#company-offering-content-native-digital-agencies-8057b3f0f4883b83-offering-5d5b1c0d8a2fdf143904)
“BankLite is Ryan Richardson's approach to cash flow with indexed universal life insurance. Explore funding, policy access, and loan terms with LiteStrats.”
[Product website](https://litestrats.com/banklite/)
Sources: https://litestrats.com/

### [TaxLite](https://directory.readyscan.ai/entities/litestrats-q140457122#company-offering-content-native-digital-agencies-8057b3f0f4883b83-offering-52d51bdf2769b4d5f020)
“TaxLite is Ryan Richardson's approach to reviewing income-tax questions, capital-gains events, and prior returns within a broader financial plan.”
[Product website](https://litestrats.com/taxlite/)
Sources: https://litestrats.com/

### [LegacyLite](https://directory.readyscan.ai/entities/litestrats-q140457122#company-offering-content-native-digital-agencies-8057b3f0f4883b83-offering-1946c2c1b94a6cfedfdf)
“LegacyLite connects family goals, a trust plan, and suitable life insurance. Learn how LiteStrats approaches continuity across generations.”
[Product website](https://litestrats.com/legacylite/)
Sources: https://litestrats.com/

## Questions & answers
### [Doesn't the cost of insurance get worse as I age?](https://directory.readyscan.ai/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-9718571585e0916deb3f)
“Cost per dollar of insurance does climb as you age. That's just the math.”
Sources: https://litestrats.com/faq/

### [What about surrender charges? Aren't I locked in for 10 to 20 years?](https://directory.readyscan.ai/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-fb5174c10ae932ab8ff2)
“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.”
Sources: https://litestrats.com/faq/

### [The carrier can lower my cap or raise costs whenever they want, right?](https://directory.readyscan.ai/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-36b2b571e00a7ff2a94a)
“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.”
Sources: https://litestrats.com/faq/

### [The illustrations look too good to be true. Aren't the projected returns unrealistic?](https://directory.readyscan.ai/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-dc3c6a379ce77195f8d1)
“Pre-2015 IUL illustrations were abused. Some agents illustrated 8 to 10 percent crediting rates that would never actually happen over time.”
Sources: https://litestrats.com/faq/

### [Isn't "buy term and invest the rest" always better?](https://directory.readyscan.ai/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-041cb310b1c5d9eae0a4)
“Buy term and invest the rest is fine. For a lot of people, it's the right answer.”
Sources: https://litestrats.com/faq/

### [This is complicated. Does anyone actually understand what they bought?](https://directory.readyscan.ai/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-d58ddf6e2e2e03363ebc)
“Short answer: most clients don't. Most agents don't either.”
Sources: https://litestrats.com/faq/

### [Dave Ramsey says the insurance company lends you your OWN money and charges you interest. How is that not a scam?](https://directory.readyscan.ai/entities/litestrats-q140457122#company-answer-content-native-digital-agencies-8057b3f0f4883b83-a-1e984a1268a2ed034576)
“Dave Ramsey's line: \"Being able to borrow your own money? Really?”
Sources: https://litestrats.com/faq/

## Company sources
- [LiteStrats website](https://litestrats.com/) — litestrats.com · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-8057b3f0f4883b83)
- [litestrats.com/faq/](https://litestrats.com/faq/) — litestrats.com · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-ac815379fc82b3f8)
- [wikidata.org/wiki/Special:EntityData/Q140457122.json](https://www.wikidata.org/wiki/Special:EntityData/Q140457122.json?revision=2514863093) — wikidata.org · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-2c34bbfb01dc5b49)

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