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# ![@ken_serna Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7049444180125123590.png) @ken_serna Ken Serna

Ken Serna posts on TikTok about money, insurance, retirement, life insurance the most. They currently have XXXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/tiktok::7049444180125123590/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7049444180125123590/c:line/m:interactions.svg)

- X Week XXXXXX +58%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX +341%
- X Year XXXXXXXXX -XX%

### Mentions: XX [#](/creator/tiktok::7049444180125123590/posts_active)
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- X Week XX -XX%
- X Month XX +46%
- X Months XXX +176%
- X Year XXX +196%

### Followers: XXXXXX [#](/creator/tiktok::7049444180125123590/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7049444180125123590/c:line/m:followers.svg)

- X Week XXXXXX +0.22%
- X Month XXXXXX +0.74%
- X Months XXXXXX +5.50%
- X Year XXXXXX +12%

### CreatorRank: XXXXXXXXX [#](/creator/tiktok::7049444180125123590/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7049444180125123590/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/tiktok::7049444180125123590/influence)
---

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks) 

**Social topic influence**
[money](/topic/money), [insurance](/topic/insurance) #1129, [retirement](/topic/retirement) #1000, [life insurance](/topic/life-insurance) #118, [rates](/topic/rates) #1037, [loan](/topic/loan) #118, [all the](/topic/all-the), [over the](/topic/over-the), [a very](/topic/a-very) #1248, [he will](/topic/he-will)
### Top Social Posts [#](/creator/tiktok::7049444180125123590/posts)
---
Top posts by engagements in the last XX hours

"🚨 Dont buy mortgage protection insurance from your lender until you watch this. Most people think theyre protecting their family But in reality mortgage protection insurance often pays the bank not your loved ones. 😳 Heres the truth they dont tell you: ✅ Its usually overpriced ✅ The benefit decreases as your loan goes down ✅ And YOU dont control where the money goes Now compare that to real term life insurance: ✔ Level coverage ✔ Your family gets the cash ✔ It follows you even if you move ✔ Usually cheaper 💰 If youre a homeowner you NEED to know the difference. 📩 DM me TERM or comment"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7553777539605417230) [@ken_serna](/creator/tiktok/ken_serna) 2025-09-24T21:55Z 54.9K followers, XXX engagements


"🏦 LIFE INSURANCE LOAN 💵 With an Indexed Universal Life policy (IUL) you can: ✅ Access your cash value with no credit checks ✅ Keep your money growing while you borrow 📈 ✅ Pay lower interest rates than most loans or credit cards ✅ Decide if and when you pay it back Comment IUL if you want me to break this down step by step 🔑 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7554899176551746871) [@ken_serna](/creator/tiktok/ken_serna) 2025-09-27T22:27Z 54.9K followers, XXX engagements


"📊 $1000/mo into a Max Funded IUL vs 401(k) & IRA 🏦 Before I start the IUL is a life insurance policy with a cash value. The 401(k) and IRA are solely investment 👌 📝 X areas to compare: X. Total accumulation value 📈 X. Fees 💰 X. Income in retirement money💸 Most people only compare the first category The purpose of this is the show the power of the IUL and all the things that come with it including life insurance and living benefits 👏 ##IUL##LifeInsurance##LivingBenefits##Annuity##FIA"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561595327992630583) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-15T23:32Z 54.9K followers, XXX engagements


"What is an ANNUITY 🤔 Annuities have been around a very long time. Up until the 90s annuities werent considered the best option when it comes to retirement. 👎 Over the last 15-20 years they have become increasingly competitive and to the point where they are the go-to option for retirement income 💸 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7335642797229362474) [@ken_serna](/creator/tiktok/ken_serna) 2024-02-15T02:00Z 54.9K followers, 19.7K engagements


"Never heard of an FIA Its like a 401(k) but safer. No market losses. Up to XX% growth. Lifetime income guaranteed. This is how people are retiring without worry. 😮💨 💬 Comment FIA if you want the 2-minute breakdown #retirement #annuity #financialliteracy #FIA #moneytips #taxfreeretirement #safeinvesting #indexstrategy #financeexplained"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7518943766036679950) [@ken_serna](/creator/tiktok/ken_serna) 2025-06-23T01:02Z 54.9K followers, 41.4K engagements


"🚨🚨 WARNING 🚨🚨 Some people may not be happy Im breaking this down. But the IUL is beginning to get a bad reputation for a couple reasons: X. How they are being sold ✍ X. How they are being structured 📝 A regular Max Funded IUL can pay an agent $3000 commission 💰 Obviously this already poses an issue because some agents will sell it just because of the commission EVEN if its not right for them 😡 However that same IUL BADLY STRUCTURED would pay the agent $13500 🤯. So in the event the IUL is RIGHT 👍 for the client and the agent can sell a policy and make $3k or sell a policy and make"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7519554239941643533) [@ken_serna](/creator/tiktok/ken_serna) 2025-06-24T16:31Z 54.9K followers, 45.3K engagements


"Replying to @kenrphil ❌ The Truth About FIAs Fixed Indexed Annuities arent perfect and anyone telling you otherwise is just trying to sell you something. Here are X real downsides you need to understand BEFORE putting your money into one: X Surrender periods (you cant touch all your money early) X Limited upside due to caps and participation rates X Complexity and risk of working with the wrong agent 😬 But heres the thing every financial product has pros AND cons. The real question is: Does it fit YOUR retirement strategy ✅ If you're rolling over a 401(k) nearing retirement or just looking"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7520297348363275575) [@ken_serna](/creator/tiktok/ken_serna) 2025-06-26T16:34Z 54.9K followers, 8396 engagements


"6 Features To Consider Before Buying An Annuity 📊 X. Fees 💸 X. Surrender period X. Lifetime income 💰 X. Bonus 👏 X. Company Rating 🔋 X. Index Allocation 📊 If you have an old 401(k) IRA or just money thats in the bank and you want your money to grow more and have protection against stock market loss you should look into an annuity to see if its right for you 💪 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7556746955863379213) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-02T21:58Z 54.9K followers, XXX engagements


"🏦 $100000 FIA from 401(k) 💰 Comment below FIA to learn more about this for yourself 📲 🔹You have X options on what to do with your 401(k) when you leave your job: X. Cash it out 🙅♂ X. Roll to your NEW employer 🤦♂ X. Move it into an IRA 📊 👍 😨 X. Roll over into an FIA 🌱 💵 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7556749725366537485) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-02T22:08Z 54.9K followers, XXX engagements


"Comment below FIA if you want to open an FIA for yourself 📲 One of the biggest reasons people cant retire on their own terms is simple: - MARKET LOSS 📈 Thats where a Fixed Index Annuity (FIA) comes in 💪 Its designed to grow your savings while protecting you from ever losing a dime due to market downturns 💰 Take this scenario 📝 👉A 45-year-old moves $200000 from an old 401(k) into an FIA. 👉 This specific annuity has ZERO % FEES. 👉 If the markets perform like they have over the past decade WITH an income benefit bonus their benefit amount would be $1.1M. 👉5.85% of the benefit value at"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7558347113533295927) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-07T05:28Z 54.9K followers, 10.9K engagements


"Wondering if an annuity is right for you 🤔 It all depends on your goals: protection income or growth. Ill break down when it makes sense (and when it doesnt). 💬 Comment FIA for more info. #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7558608686868909367) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-07T22:22Z 54.9K followers, XXX engagements


"3 ANNUITY MYTHS 🙅♂ X. You cant touch your money with an annuity 💰 X. Annuities have high fees ❌ X. Your beneficiaries dont get anything with annuities if you die 🙏 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7559262179220802871) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-09T16:38Z 54.9K followers, XXX engagements


"👉 What Happens To Your Money in an Annuity When You Die 💰 The common myth is that the insurance company keeps all of your money 🙅♂😭 In an FIA there is a DEATH BENEFIT so when you pass away whatever you rolled over will pay out to beneficiaries including any interest that it has earned 💪 If youve been pulling money out as retirement income they will just subtract any income that youve pulled out and the rest will still go to your beneficiaries 👏 Comment FIA to look into one for yourself 📲 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7560450352009530638) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-12T21:29Z 54.9K followers, XXX engagements


"Comment below FIA if you have an old 401(k) that you want to protect against market loss 📊 and turn into an income stream 💸  ##IUL##LifeInsurance##LivingBenefits##MoneyTips#RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561155026308156727) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-14T19:04Z 54.9K followers, XXX engagements


"Comment below FIA if you want to open an FIA for yourself 📲 One of the biggest reasons people cant retire on their own terms is simple: - MARKET LOSS 📈 Thats where a Fixed Index Annuity (FIA) comes in 💪 Its designed to grow your savings while protecting you from ever losing a dime due to market downturns 💰 Take this scenario 📝 👉A 60-year-old moves $500000 from an old 401(k) into an FIA. 👉 They will get an upfront bonus on their account value of XX% or $50000. 👉 If the markets perform like they have over the past decade WITH an income benefit bonus their benefit amount at XX would be"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561537881366416653) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-15T19:49Z 54.9K followers, 25.2K engagements


"🚨3 DOWNSIDES OF IUL 🏦 **Please read below** Most of the downsides come from an agent selling a MINIMALLY FUNDED IUL ❌ You can avoid most of the downsides and exceptions by MAX FUNDING your IUL each year 👏 For example if you pay for a couple years then stop the policy will lapse 🤫 But if you MAX FUND for a couple years then stop the policy will last your whole life and pass down wealth to your beneficiaries 🎉 X. An IUL requires discipline and proper funding 💰 X. An IUL has a cap on the gains 📈 X. An IUL is complicated and misrepresented by agents A LOT 🙅♂ Make sure you talk to a"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561890700766366989) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-16T18:38Z 54.9K followers, XXX engagements


"What is an ANNUITY 🤔 Annuities have been around a very long time. Up until the 90s annuities werent considered the best option when it comes to retirement 👎 Over the last 15-20 years they have become increasingly competitive and to the point where they are the go-to option for retirement income 💸 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561947658407939341) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-16T22:19Z 54.9K followers, XXX engagements


"🏦 IUL vs FIA📊 This is a question that comes up a lot since both of these have a lot of similarities. They both can grow based on a market index are protected against market loss and can pay you an income in retirement. Make sure that you speak to a properly trained agent that knows how to structure these 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #Rollover #RothIRA"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7391992222721297695) [@ken_serna](/creator/tiktok/ken_serna) 2024-07-15T22:25Z 54.7K followers, 2587 engagements


"HOW MUCH A $250K ANNUITY COULD PAY YOU 💰 The average SS check today is around $1850/mo 👆 People work their whole lives to be able to produce a guaranteed paycheck of less than $2k a month 🙏 Utilizing an annuity you can double that with a simple rollover of an old 401(k) from your last job 💪👏 Comment FIA to see if an annuity is right for you 📲"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7505190068642991402) [@ken_serna](/creator/tiktok/ken_serna) 2025-05-16T23:31Z 54.9K followers, XXX engagements


"💰 Top X IUL Companies in 2025 📊 Want long-term growth tax-free income and the ability to Be Your Own Bank Heres my personal list 👇 🏦 X. Mutual of Omaha Great for smaller premiums older clients and no medical exam. 🏦 X. AIG/CoreBridge Strong term rates flexible IUL options and rock-solid credibility. 🏦 X. North American Elite ratings + some of the best interest rates in the industry. 🏦 X. Fidelity & Guaranty (F&G) Famous for FIAs now bringing strong IUL products. 🏦 X. National Life Group (NLG) Low cost of insurance living benefits lifetime income rider and a super easy mobile app. ✅"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7537187190539963661) [@ken_serna](/creator/tiktok/ken_serna) 2025-08-11T04:56Z 54.9K followers, XXX engagements


"🚨PLEASE READ BELOW🚨 I am not saying that ALL IULs with Transamerica/WFG are not structured the right way 🚫 Im just saying as of recently majority of the improperly structured clients have been with them ⚠ I just had a client putting away $40k a year that specifically told the agent to structure it with MINIMUM DB and they did the exact opposite 😑 Regardless of the company thats not right 👍 My point is this: 👉 If you are going to get a client a $1M IUL you owe it to them as an agent to show them the same premium with a smaller (Maybe $250k IUL) and a term blend and let them choose. 👉"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7537463587166539021) [@ken_serna](/creator/tiktok/ken_serna) 2025-08-11T22:48Z 54.8K followers, 1343 engagements


"Comment IUL below to learn how 📲 👉 In this client scenario this is XX year old male putting away $1000 per month or $12000 a year until he is XX years old. 💰 👉 He will immediately have a death benefit of $XXX which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.25%. This interest rate is NOT guaranteed but is based on what this account has done over the last XX years. 📊 👉 At the age of XX he will have accumulated $803k in retirement 💪 👉If he choose to he can trigger an income stream at XX (60 at the earliest) of"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7559093280584076558) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-09T05:42Z 54.8K followers, XXX engagements


"Comment FIA below to learn how 👉 In this client scenario this is XX year old rolling over $600k from a 401(k) 💰 👉This is an income annuity that is showing a XXX% guaranteed growth on the income base which is the number that if an income stream is chosen is based on 🏦 👉Based on the age he decides to retire he will get a percentage (that is growing) on that income base. 👉At XX = $46860 👉At XX = $51070 👉At XX = $55988 👉At XX = $76125 👉If he chooses the income stream and passes away before his entire account value pays out the rest of his money will pass to his beneficiaries💸 👉If he"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7559327515517472014) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-09T20:51Z 54.9K followers, XXX engagements


"DM Waterfall to learn about setting up your family bank 🏦 This is something that used to be reserved for the ultra wealthy AKA The Rockefellers 💸 But with two simple tools ⚒ anyone can set this up for themselves: X. A Trust X. Life Insurance There are different types of life insurance you can use so you want to learn the different types to find the right one for yourself #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7559727385256545591) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-10T22:43Z 54.8K followers, XXX engagements


"Question: Who leaves more money for their family 👉 A person with $X million in the bank 👉 A person with zero dollars in the bank but a $X million life insurance policy A person that pays $XX a month can leave the same legacy as a person that accumulated tons of money in their lifetime 👏 Crazy to think that 🤯 #IU#IULi#LifeInsurancei#LivingBenefitso#MoneyTips#RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561156895097031991) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-14T19:11Z 54.8K followers, XXX engagements


"5 Reasons To Get Your Life Insurance License ✍ 💸  #LifeInsurance ##BeYourOwnBoss##Annuity#SideHustle #WorkFromHome"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561181582879460621) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-14T20:46Z 54.9K followers, 1662 engagements


"Pension vs 401k/ 403b 📊 If you look at statistics XX years ago a large majority of corporations and jobs offered pensions 👏 Meaning if you worked there for XX years you were guaranteed a nice retirement 💸 Those days don't exist anymore 🥲 Unless you properly save on your own you can work for a company for XX years and not have much to show for it 🙈 Outside of Social Security which is not something to solely rely on Cash Value Life Insurance and Annuities are giving Americans guarantees back in their retirement #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7380223044679159082) [@ken_serna](/creator/tiktok/ken_serna) 2024-06-14T05:14Z 54.9K followers, 2395 engagements


"📈 How a Fixed Indexed Annuity Works 🔍💰 A Fixed Indexed Annuity (FIA) is a powerful retirement tool that offers growth potential while protecting your principal from market downturns 🙌 Heres how it works: ✅ Market-Linked Growth Your returns are based on a stock market index (like the S&P 500) but your money is never directly invested in the market. 📊📉📈 ✅ Downside Protection Even if the market crashes you never lose money due to market performance 🚀❌📉 ✅ Probate Avoidance Your account value will pass to your beneficiaries like a life insurance death benefit regardless if you have a will"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7492295351697755434) [@ken_serna](/creator/tiktok/ken_serna) 2025-04-12T05:33Z 54.9K followers, 1837 engagements


"Save this reel and comment BANK below to start one of these X types of Life Insurance Policies 📲 X TERM LIFE - Proper Coverage X IUL - Cash Value X FINAL EXPENSE - Parents Most people dont know but its normal and many times recommended to have multiple life insurance policies 🏦 Comment BANK below if you are interested in setting your Life Insurance policy 📲 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7515205889465371950) [@ken_serna](/creator/tiktok/ken_serna) 2025-06-12T23:17Z 54.9K followers, 142.4K engagements


"Cash Value Loans 🏦 Utilizing policy loans can be a great way of leveraging this financial tool 🏦 If done the right way you are able to access money tax-free for investments and purchases all the while your money continues to grow 📊 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7558933101758532877) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-08T19:21Z 54.9K followers, XXX engagements


"🚨🚨 WARNING 🚨🚨 Some people may not be happy Im breaking this down. But the IUL is beginning to get a bad reputation for a couple reasons: X. How they are being sold ✍ X. How they are being structured 📝 A regular Max Funded IUL can pay an agent $3000 commission 💰 Obviously this already poses an issue because some agents will sell it just because of the commission EVEN if its not right for them 😡 However that same IUL BADLY STRUCTURED would pay the agent $13500 🤯. So in the event the IUL is RIGHT 👍 for the client and the agent can sell a policy and make $3k or sell a policy and make"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561966418896473358) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-16T23:32Z 54.9K followers, 14.9K engagements