#  @ken_serna ken_serna ken_serna posts on TikTok about insurance, life insurance, money, retirement the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/tiktok::7049444180125123590/interactions)  - [--] Week [------] -8.50% - [--] Month [------] -80% - [--] Months [---------] +123% - [--] Year [---------] -26% ### Mentions: [--] [#](/creator/tiktok::7049444180125123590/posts_active)  - [--] Month [--] -34% - [--] Months [---] +59% - [--] Year [---] +249% ### Followers: [------] [#](/creator/tiktok::7049444180125123590/followers)  - [--] Week [------] +0.10% - [--] Month [------] +0.47% - [--] Months [------] +5.20% - [--] Year [------] +9.30% ### CreatorRank: [-------] [#](/creator/tiktok::7049444180125123590/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [countries](/list/countries) [cryptocurrencies](/list/cryptocurrencies) [celebrities](/list/celebrities) [luxury brands](/list/luxury-brands) [technology brands](/list/technology-brands) [automotive brands](/list/automotive-brands) [gaming](/list/gaming) [fashion brands](/list/fashion-brands) **Social topic influence** [insurance](/topic/insurance) #953, [life insurance](/topic/life-insurance) #99, [money](/topic/money), [retirement](/topic/retirement) #826, [if you](/topic/if-you), [inflation](/topic/inflation), [investment](/topic/investment), [market](/topic/market), [growth](/topic/growth), [he will](/topic/he-will) **Top accounts mentioned or mentioned by** [@gmailcom](/creator/undefined) [@ken](/creator/undefined) [@happilyhughes](/creator/undefined) [@clairjet](/creator/undefined) [@walki](/creator/undefined) [@coconutfiona](/creator/undefined) [@sherry](/creator/undefined) [@duhmfpostman](/creator/undefined) [@fitnessphotographer](/creator/undefined) [@donoftexas](/creator/undefined) [@kenserna](/creator/undefined) [@kenrphil](/creator/undefined) **Top assets mentioned** [PRIMERICA, INC. (PRI)](/topic/$pri) ### Top Social Posts Top posts by engagements in the last [--] hours "$81 billion has gone into annuities in the 3rd quarter of [----]. If so much money has gone into these financial products dont you think its time you look at them for yourself DM me for more information #Annuities #Crypto #401k #Investments #2023 #FinancialFreedom" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7182775418884214062) 2022-12-30T03:17Z 50.1K followers, [----] engagements "ANNUITIES have dramatically changed over the years 💸 📊 There are a lot of really cool benefits that people dont know about. Growth safety tax deferral and avoiding probate are just a few 🤩#Investments #Crypto #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #RealEstate #401k #Annuities" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7187946317166071086) 2023-01-13T01:42Z 52.9K followers, [----] engagements "ANNUITIES may be coming to your Fidelity 401(k)📊Its no surprise. More and more people are looking to have guaranteed income in retirement. Smart move by Fidelity on their part. If they are the #1 provider of 401(k)s in America and they are doing this shouldnt you with your own money 🤔" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7188604865927515434) 2023-01-14T20:18Z 54.9K followers, [----] engagements "🏦 IUL vs ANNUITY 📊. One of the biggest questions that I get. With the IUL you are contributing after tax dollars and getting the following benefits: tax free growth and distribution ability to loan while gaining uninterrupted compound interest death benefit protection and guaranteed income for life. In the annuity its typically after tax dollars and you are getting the following benefits: growth potential without risk of market loss avoidance of probate and guaranteed income for life. Both are valuable tools for every financial portfolio #Investments #Crypto #LifeInsurance #Roth #NewYear" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7200866299394805034) 2023-02-16T21:19Z 52.1K followers, [----] engagements "TIRED OF LOSING MONEY😩💰 FIAs are able to give you protection against market loss while still growing your money. Most people dont have enough saved in retirement where they can afford to put it in the bank and NOT GROW. However they dont have enough where they can afford to lose in the market. The best part is you can turn it into a guaranteed income when you retire that you cant outlive 💸👵👴 #Investments #Crypto #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7200913488154512686) 2023-02-17T00:22Z 52.2K followers, [----] engagements "IRA OR FIA 📉 Many people have a 401k from a previous employer and they dont know what to do with it. Now there isnt a place thats right for every person out there. Your age risk tolerance time horizon and other factors go into finding the proper solution. Having said that almost every financial portfolio can benefit from an indexed annuity. #Investments #StockMarket #InfiniteBanking #BeYourOwnBank #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7203222123190537514) 2023-02-23T05:40Z 52.9K followers, [----] engagements "🏦 ROLLOVER 401K TO IUL 🤔 With 401k balances being down 20% in the last year more and more people are looking for their options and they inevitably ask this question. The answer is no but the idea is right. Instead look at rolling it over into an FIA or another qualified plan so that you dont incur a penalty or pay high upfront taxes #Investments #Bank #Savings #Stocks #MarketLoss #Taxes #401krollover #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #InfiniteBanking #BeYourOwnBank" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7204310736011693358) 2023-02-26T04:05Z 50.1K followers, [----] engagements "🏦WHOLE LIFE VS IUL - Which one is better 🧐 The reality is that they both are great policies. Whole life is the original IBC policy that was used. IUL is more new school. Anytime something new comes out youll have the old school community hate on the new school group and vice versa. Most IUL guys dont know how properly structured Whole Life policies really work and most Whole Life guys dont know how properly structured IULs work. I think if they did they would both have more appreciation of each other. At the end of the day find a good agent that can give you the pros and cons of both and" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7213077088394284331) 2023-03-21T19:03Z 54.7K followers, [----] engagements "💸 KEY MAN INSURANCE 🗝 This a very popular way that business owners utilize life insurance differently than other people. If you run a company where one or more individuals are extremely valuable to the success of that company this is something you should strongly consider. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7213543279927807278) 2023-03-23T01:12Z 51.8K followers, [----] engagements "🚨IUL MISCONCEPTIONS 🤷♂There are definitely more than these but these are the most common. Keep in mind just because you arent doing INFINITE BANKING 🏦 doesnt mean you shouldnt have an IUL. There are so many different ways to structure an IUL. The best way is to put a set amount away for 20-30 years and treat it like a 401k or other retirement account. Your returns arent guaranteed but over the last [--] years most companies show an average of just over 6%. When you combine that with being able to take out money tax free and even get a guaranteed income for life in retirement its definitely a" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7214621388869569834) 2023-03-25T22:55Z 53.6K followers, [---] engagements "🚨 IUL VS ROTH 🏦 Did you know the Roth IRA was introduced in [----] as part of the Taxpayer Relief Act Interestingly enough the IUL was introduced in that same time frame. The difference is that most people are JUST NOW finding out about the IUL. Why is that Because only a properly educated insurance agent that that knows how it works will usually sell it to you. Either way its good to have both. If you already have a Roth IRA look into getting the IUL #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7218309460371049770) 2023-04-04T21:27Z 51.9K followers, [----] engagements "🏦 FINANCIAL TOOL 💸 Life Insurance is just that. Its a tool that can help accomplish a lot of goals. Death benefit protection probate avoidance tax free growth and distribution income in retirement upside of the market and no downside. However there is a downside: you have to QUALIFY and its NOT for everyone Please talk to an experienced insurance broker who can help you setup the right policy for you. And not someone that is going to send you a video to watch and click a link but one where you can talk to a real person 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7226435666358340907) 2023-04-26T19:01Z 54.6K followers, [---] engagements "🏦 WHAT IS THE BEST IUL 🧐 This is by far the most common question I get about IULs. Its a hard answer for a few reasons. First there are many great companies out there. Most agents will lead you to believe otherwise stating THEIRS is the best one because of this or that. Thats just them being a sales person. The second reason is because it also depends on YOU. Your health background coverage amount premium etc. One company may be best for one person and another for someone else. Thats why you want to talk to someone knowledgable that can help you identify which is the best suited for you" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7226940470713437486) 2023-04-28T03:40Z 51K followers, [----] engagements "🏦 #1 SIDE HUSTLE - LIFE INSURANCE INDUSTRY 🚨And its not for the reason you think. Yes the money is great. But whats money if you are the same person What if I told you that outside of the money you would learn according to Patrick Bet-David himself the [--] most valuable skills to have in 2023: Sales Negotiation/Persuasion Human Nature & Money. I can write an essay about how you learn these skills in the industry. Ive had people come through for [--] days and learn more than some of their business classes in college. With all of that being said its an industry that requires work willingness to" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7227215742335257899) 2023-04-28T21:28Z 54.8K followers, [----] engagements "💸LIFE INSURANCE AT WORK 🏦 This is one thing that almost all insurance agents can agree on: life insurance at your job CAN be beneficial but you should ALWAYS have one outside of your job. Ive seen some good policies but they are less common than the bad ones. A lot of people have stipulations in their life insurance at their job so it only covers certain things and it will expire when you leave your employer. You run the risk of not being healthy in the future and needing to apply for life insurance only to get declined because of your health. Please consult with a life insurance agent if" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7234980647419301162) 2023-05-19T19:40Z 54.5K followers, [---] engagements "🤩 THE POWER OF THE IUL 🏦 Imagine putting money away for only [--] years and being able to fully retire with more income than most people ever do All the while being protected against market loss having life insurance coverage to leave a legacy to your family and having living benefits incase of a sickness or illness Do you know another account that has all of these benefits DISCLAIMER: Every persons situation is different. This is not a recommendation but an illustration of what these policies can do and what they are designed to do. Please consult a properly trained life insurance agent that" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7237220805107567915) 2023-07-26T03:03Z 40K followers, 11.5K engagements "💸 MAKE AN EXTRA $25K IN THE SUMMER ☀Getting an insurance license is one of the best ways to create a secondary stream of income. DISCLAIMER: If you are just looking to make money regardless of what you have to do and are willing to do whatever it takes to make money DO NOT APPLY. Being a good life insurance agent requires you to be patient not pushy it requires you to be upfront and honest with everyone you deal with it requires you to be more of an educator and helper instead of a closer. It requires you to be someone that people can trust will be honest with them and tell them how" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7240143513256611115) 2023-06-02T17:34Z 40K followers, [----] engagements "😫IULS HAVE HIGH FEES 🏦 This is one of the most common things I head people say about IULs. You can look through my comments and see people from financial advisors and some that are just trolls and haters. My first response to all of them is can you please explain what these fees are with percentages and dollar amounts. Use facts to back up your argument. Do you know what I hear after 🦗. None of them actually knows how they work they are just basing it on what Dave Ramsey said or one of their friends. Go look at my comments you wont see one person respond with them because they dont know" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7241664145425190186) 2023-06-06T19:55Z 52.2K followers, [---] engagements "💸WHY TO GET YOUR INSURANCE LICENSE 📜 Insurance is tied to so many other industries: investments taxes estate planning retirement etc. By getting into the life insurance industry you expand your knowledge. But even better than all of that you develop the #1 skillset of all: SALES. Sales skills communication persuasion etc. If you are looking to develop these skills get your insurance license #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7244724185816304942) 2023-07-13T12:48Z 40K followers, [----] engagements "🏦 THE NEXT GENERATION 💸Powerful message about passing down the principles of money to the next generation at a young age. This is the reason why I tell people to get an IUL for their kids but NOT for college. If they graduate HS and want go to college thats on them. They pay their way and work during school. But imagine having your kids pay for their IUL for a few years once they have a job to build the habit of paying towards their future. When they graduate and get a job or whatever their goal is you gift them the IUL with $50k or $100k or even more as a future investment account with" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7246810803108728107) 2023-06-20T16:47Z 52K followers, [----] engagements "💸 401K FEES 🤷♂Many Americans have a 401k for the wrong reasons. They do it because thats what we are all told to do and because our employer offers it. They dont look into how much they are matching and if they are putting in that amount. And if thats not enough they DEFINITELY arent looking to see how the fees work in those accounts or many others. This is a big reason people are putting money into FIAs. Because your money isnt actually in the market you arent paying a management fee. The fee you pay is essentially the commissions for the money manager at Wall Street to manage the fund you" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7250631263944527146) 2023-06-30T23:52Z 40K followers, [---] engagements "🏦 [--] FIGURE TAX FREE RETIREMENT 💸 Imagine setting money aside every month into ONE place that will produce you a $100k tax free income every single year your entire life. That's the power of the IUL: Indexed Universal Life. There are no contribution limits like the ROTH IRA. It grows without capital gains tax and you can pull it out without paying income tax. There is no risk in the market and get get "market like" returns. You are covered for life insurance and full living benefits: terminal illness chronic illness critical injury and critical illness. If you are diagnosed with any of the" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7252176536487415083) 2023-07-05T03:49Z 40K followers, [----] engagements "🏦 INFINITE BANKING CONCEPT 💰Most things in the insurance industry take about 20-25 years to become popular for many reasons. We are coming on [--] years this book was published and with a combination of millennials and social media its becoming very popular right now. The concept however has been around for years. With the trust in banking system at all time low and over [---] banks going under since [----] people have been looking for alternatives to the banking system at a higher rate than ever before. Imagine a place that you can get a loan without ever having to access your principle. Your" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7254356244469714218) 2023-07-11T00:47Z 53.6K followers, [---] engagements "🚨 401K FEES 🧾 This is something that isnt talked about enough. FEES inside of your retirement account. There are many places that you can pay very low fees unfortunately a lot of people have their money in accounts that are littered with fees. One of the biggest selling points to FIAs is that many of them dont have ANY fees at all. Literally 0%. I know that sounds crazy because if you were taught how I was taught coming up in the investment world everything has a fee. Especially places that your money can grow. Also we were taught that anything that can grow will also have risk. So to have" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7254566403527691563) 2023-07-11T14:23Z 54.5K followers, 11K engagements "🏦401K v ROTH v IUL 🧐This is a question that I get a lot of times. An my simple answer is there is no product thats simply BETTER than all of them if just comes down to what you are trying to accomplish and your individual situation. However if your plan is to have tax free growth life insurance with living benefits ability to take policy loans tax free and the highest income stream in retirement many times the IUL comes out on top. Is this the case in every situation NO. Your situation makes all the difference. Is it ideal to have all [--] YES if you can. Make sure you talk to an agent that" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7254794374909906218) 2023-07-13T05:13Z 40K followers, [----] engagements "💸ROCKEFELLER FAMILY BANK 🏦 This is how the Rockefeller family today is worth over $10B where many wealthy familys fortune in the past were completely gone. Step 1: purchase a life insurance policy. Step 2: Open up a trust and name your trust the beneficiary of your life insurance policy. Step 3: Stipulate in your trust that the death benefit of your life insurance will purchase a permanent life insurance policy on the names of your beneficiaries and name their beneficiary the trust. This way they can borrow against their policy if they need money but that money will purchase even more money" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7255487790606077226) 2023-07-14T01:58Z 54.6K followers, [----] engagements "📜WILL VS LIVING TRUST 🏦 These are legal documents that many of us have heard of. Im not an estate planning lawyer however many of my clients have names their living trust the beneficiary on their life insurance policy. Having both will ensure that you are setting up your Next Generation better off than you are. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7255869477450173742) 2023-07-15T02:39Z 40K followers, [----] engagements "🤩ITS NEVER TOO LATE BUT START EARLY. 💸 Here is a similar example with someone older. At [--] years old $18k per year for [--] years ($180k) would yield to $70k tax free in retirement for life. At [--] years old its still doable but its more like $30k a year for [--] years. Thats $600k invested instead of $180k invested. And NO this isnt a MINIMUM and of course not everyone can afford this. However this is just an example to show that you are able to do this if you are behind. There are many people that think its too late and instead of putting SOMETHING away they just procrastinate until its too" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7256854643278515502) 2023-08-02T08:28Z 40K followers, [----] engagements "🏦 [--] THINGS TO CONSIDER BEFORE GETTING AN ANNUITY💸 [--]. Type of annuity [--]. Time horizon [--]. Indexed or growth focused. When dealing with indexed annuities the most popular right now they already have a guarantee against loss. So your main question is: Do I care about how big my account value is or do I care what will be my monthly retirement check These factors as well as your financial situation job status and living situation may also be a factor in making sure that the annuity is right for you. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7257656810423733550) 2023-07-19T22:15Z 40K followers, [---] engagements "🚨 IUL VS ROTH 🏦 Did you know the Roth IRA was introduced in [----] as part of the Taxpayer Relief Act Interestingly enough the IUL was introduced in that same time frame. The difference is that most people are JUST NOW finding out about the IUL. Why is that Because only a properly educated insurance agent that that knows how it works will usually sell it to you. Either way its good to have both. If you already have a Roth IRA look into getting the IUL #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7258337249878691115) 2023-07-21T18:15Z 40K followers, [----] engagements "👎COST OF INSURANCE EATS AWAY AT CASH VALUE 😳 This one is pretty funny because as soon as someone mentions it I know immediately they dont know what they are talking about. By the way I could have ran this illustration with an even lower premium and stopped after [--] years and it wouldnt have been eaten up. The problem is that most people are so committed to their opinion than when there are clear cut facts to dispute it their confirmation bias kicks in and only remembers those facts than confirm their own stance. Anyway hope this helps #Kenny #Investments #Banks #LifeInsurance #Roth #NewYear" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7262429568592661803) 2023-08-01T18:56Z 40K followers, [---] engagements "📊PROPERLY STRUCTURED IUL 🏦 I have people all the time come up to me and ask This agent sold me this policy how do I know if its structured the right way Now at least 50% of the time although the agent didnt structure it the right way you can change the current policy to make it structured the right way. In that case I dont just replace the policy to make the sale. Ask many people that have commented on my videos I tell them to keep their policy a lot more often than not. But in the cases that it cant be changed or the agent was just trying to make the biggest commission there may be a" [TikTok Link](https://www.tiktok.com/@anyuser/video/7262780511142120747) 2023-08-04T09:57Z [--] followers, [---] engagements "📈401K LOANS VS IUL LOANS 🏦 This is a common question. Usually loans from your 401k are recommended as youre pulling money from earning interest and there is usually a high fee for the loan in addition to needing to pay it back in a timely matter. IUL loans are actually designed for you to leverage them to make more money. You are essentially using the same money twice. And you can invest it somewhere else and make more #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7268054663650479402) 2023-08-16T22:44Z 53K followers, [----] engagements "🏦 GENERATIONAL WEALTH 📜Its important to study what some families did to continue the wealth generation after generation. Some people say They are lucky they were given money or their family had money however the stats show that most people blow anything that was given to them. Its harder to keep the money in your family than it is to spend it all. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7269783253215612203) 2023-08-21T14:32Z 40K followers, [----] engagements "📊 WHAT IS AN ANNUITY 💰 This is the most popular place for people to roll over their old 401ks IRS or money they have in the bank. Annuities are sold by life insurance companies so they offer benefits that traditional investments cannot offer. Make sure you speak to someone that knows the different kinds and can properly educate you on all of your options #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7270614294805433642) 2023-08-23T20:17Z 54.4K followers, [---] engagements "🚨 IUL VS ROTH 🏦 Did you know the Roth IRA was introduced in [----] as part of the Taxpayer Relief Act Interestingly enough the IUL was introduced in that same time frame. The difference is that most people are JUST NOW finding out about the IUL. Why is that Because only a properly educated insurance agent that that knows how it works will usually sell it to you. Either way its good to have both. If you already have a Roth IRA look into getting the IUL #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7271001892577299758) 2023-08-24T21:21Z 52K followers, [----] engagements "📊PROPERLY STRUCTURED IUL 🏦 I have people all the time come up to me and ask This agent sold me this policy how do I know if its structured the right way Now at least 50% of the time although the agent didnt structure it the right way you can change the current policy to make it structured the right way. In that case I dont just replace the policy to make the sale. Ask many people that have commented on my videos I tell them to keep their policy a lot more often than not. But in the cases that it cant be changed or the agent was just trying to make the biggest commission there may be a" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7272846183100370218) 2023-08-29T20:37Z 40K followers, [----] engagements "🤝SALES = TRADING SKILLSET FOR MONEY💰Most are taught to trade time for money. Work [--] hours a week in exchange for a pay check. The only way to make more is to work more hours. In sales you determine your income because you are trading your skillset and efficiency for money. So you can earn more in one week that what you make in a month or [--] months or even a year. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #SideHustle #MakeMoney" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7273703947162963243) 2023-09-01T04:06Z 40K followers, [---] engagements "🏦 $100/WK INTO AN IUL 📆 Some people wanted to see what it would look like with a more realistic number. Now a $100 can purchase more life insurance if you would like or you can max fund it like in this example. So many people waste $100 a week. Imagine if that was coming out of your account every week instead into a vehicle that gave you a life insurance protection tax free growth ability to loan yourself money while your principle is still growing and give you an income of $45k per year in retirement 🤯#Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7275422698921119018) 2023-09-05T19:15Z 40K followers, [----] engagements "📊3 QUESTIONS TO KNOW IF AN FIA IS RIGHT FOR YOU 🙋♂ Market protection higher growth than banks and income that you will never outlive. If these questions meet your needs with money you have in an old 401k IRA or money sitting in the bank you need to seriously consider an FIA. Make sure you talk to someone that understands how they work and is a broker for many companies. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@anyuser/video/7276266748343520555) 2023-09-08T01:51Z [--] followers, [----] engagements "💰3 WAY LIFE INSURANCE IS CRUCIAL FOR GENERATIONAL WEALTH 🏦 [--]. Death benefit [--]. Estate taxes [--]. Cash value life insurance and trusts. These are [--] ways that life insurance is an important part of the wealth building process. The only way that you can leave your family with hundreds of thousands or millions of dollars without having that much in assets is by having a life insurance policy #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7276623782289231147) 2023-09-09T00:56Z 40K followers, [----] engagements "👎OLD LIFE INSURANCE VS NEW 🤩Outside of knowing the difference between term and permanent this is probably the next biggest thing you need to know when it comes to buying life insurance. In the next 5-10 years it will be extremely common but there are still many companies and policies out there that arent offering living benefits. Make sure that your policy has them #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7278439672466984235) 2023-09-13T22:23Z 52.7K followers, [---] engagements "🏦 MILLION DOLLAR TERM 📜I believe that almost every single person should get a $1M term policy. There are so many benefits of having one. From the living benefits converting to IUL later and locking in health rating and of course leaving a sizable death benefit to your beneficiaries. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7278801351071698222) 2023-09-14T21:46Z 54.5K followers, [---] engagements "Do you have an old 401k Here are your [--] options on what you can do with your 401k when you leave your job #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7285528760965696810) 2023-10-03T00:52Z 54.5K followers, 20.1K engagements "#stitch with @happilyhughes If you have investment accounts like old 401ks or IRAs and you want to make sure that money goes directly to your beneficiary without probate and dealing with lawyers look into rolling that money into an annuity. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@anyuser/video/7285819531702848810) 2023-10-03T19:41Z [--] followers, [---] engagements "Here are [--] reasons that you should consider getting into the life insurance industry #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #Crypto #SideHustle #MakeMoney #2024 #CareerChange #LifeInsuranceLicense #Money" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7288745101311085870) 2023-10-11T16:53Z 40K followers, [----] engagements "If you plan to be rich you want to learn how to properly Structure an IUL policy 💪 #Investments #Banks #Lifelnsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #UL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7289141405589540138) 2023-10-12T18:31Z 40K followers, [---] engagements "Heres what it looks like to properly structure an IUL vs not 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7289589542187994414) 2023-10-13T23:30Z 40K followers, [---] engagements "Heres what it looks like to properly structure an IUL vs not 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@anyuser/video/7289589542233902379) 2023-10-13T23:30Z [--] followers, [---] engagements "Comment Bank below to start your IUL This is what we call becoming your own bank You leverage a life insurance policy to give you the liquidity and safety of a bank while compounding your money at higher interest rates tax free. This example shows a [--] year old client that set aside $1000 month into their Index Universal Life Insurance policy. All along the way their money is liquid to use for outside opportunities. In [--] years theyll have accumulated $260000 of tax free cash value. In [--] years theyll have accumulated $420000 of tax free cash value. By retirement age [--] theyll have" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7291518436025453854) 2023-10-19T04:15Z 40K followers, 11K engagements "Comment Bank below to start your IUL The above example is a [--] year old opening up an Index Universal Life (IUL) policy. He is going to put away $1500 a month till he is age [--]. By doing this he can leverage the IUL by borrowing the cash for businesses investments real estate and other income producing assets. Hes the bank. Hes the lender and the borrower. And now hes earning compound interest in the policy while also making money outside of the policy from funds he took from the policy The IUL gives him the ability to get uninterrupted compound interest🔥 His money is growing tax free and he" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7293240744247135518) 2023-10-23T19:39Z 51.4K followers, [----] engagements "Comment Bank below or go to the LINK in my bio to start your IUL 👉In this client scenario this is a [--] year old male with a standard rating. He is putting away $750 a month into a Max Funded IUL till [--] years old. 💰 👉 He will immediately have a death benefit of $179k which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.42%. This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 👉He will have cash value liquid available for loans AFTER his first year. He will have" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7296712172233690414) 2023-11-02T04:09Z 54.8K followers, 31.5K engagements "Comment BANK below to learn how 👉The term Infinite Banking or Be Your Own Bank refers to using a permanent life insurance policy (Whole Life or Index Universal Life) instead of your bank for loans and investment purposes. 👉If you have money in the bank its growing at 0.05% return. If you get a loan from the bank they will charge you 10% or more. 👉If you have $100000 in your IUL cash value you can take a loan of $80000. They arent loaning your OWN money to you but instead giving you a policy loan directly from the life insurance company. They will charge you a 5% interest rate (based on" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7300364223912119594) 2023-11-12T00:21Z 40K followers, [--] engagements "🏦 IUL vs Annuities📊 This is a question that comes up a lot since both of these have a lot of similarities. Especially the FIA (fixed indexed annuities) 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" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7305289309878242602) 2023-11-25T06:53Z 52K followers, [----] engagements "🤔 When can I access my cash value in an IUL This is a VERY common question so let me explain and give you a BETTER question to ask: 👉 If you are putting the minimum or TARGET premium depending on the company it will take around 3-5 years to access any cash value. You have cash value from day one but ACCESS to that cash wont be for a few years and access to SIGNIFICANT cash value might not be for 7-8 years. 👉 If you are MAX FUNDING an IUL you have access to cash in year [--] and significant cash after year 3-4. Again depends on carrier and product this is just average. But the real question" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7317326482785750318) 2023-12-27T17:24Z 52.9K followers, [----] engagements "📊 Ernst & Young recently did a study about using Permanent Life Insurance and Deferred Income Annuities in respects to creating retirement income 💸 They found that not only can they both be extremely beneficial but in almost all of their scenarios someone's retirement income would be higher by incorporating them in ADDITION to their investments would be a smart strategy 👏 #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/7317806540168121646) 2023-12-29T00:27Z 52.1K followers, [----] engagements "🤔 What is a rider on a life insurance policy Its an additional benefit that you pay for to add some extra feature that doesnt come with the base policy. Three of them that I recommend looking into or adding to your policy are: [--]. Living benefits rider [--]. Waiver of premium [--]. Childrens term There are many others that can be beneficial depending on your needs and the company. Ask your agent for more info #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/7318106534465097002) 2023-12-29T19:51Z 51.9K followers, [----] engagements "🏦 $500 per paycheck into a Max Funded IUL 👆 #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/7318637672480673067) 2023-12-31T06:12Z 42K followers, [----] engagements "Can I roll over my 401k into an IUL 🏦 This is a common question. The answer is simple: NO In order to do so you would need to cash out and pay the taxes. Instead you can roll it over to an IRA or an FIA 📊 An FIA provides benefits that you cant get in the market: [--]. Growth [--]. Principle protection [--]. Lifetime income stream [--]. Death benefit Make sure to consult a properly trained insurance broker that can go over the details of how it works and whether there one is right for you #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7323440493252152618) 2024-01-13T04:49Z 54.8K followers, [----] engagements "Create a GENERATIONAL WEALTH using life insurance & trusts 🏦👨👩👧👦 👉 The most important step of all of these is setting up your life insurance properly. 👉 You DONT have to have the trust in force when you get your policy. Most of my clients have the life insurance policy FIRST. 👉 You can do TERM or PERMANENT (IUL or WL) for the life insurance. 👉 Term allows the death benefit to be paid to the trust to continue the generational wealth pass down 👉 However permanent life insurance allows you to BORROW AGAINST your policy to create your own bank. 👉 Make sure to reach out to an agent that" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7323782713561845038) 2024-01-14T02:57Z 52K followers, [----] engagements "🤑RICH PERSONS ROTH 🏦 Both the IUL and Roth IRA came out in [----] so they typically get compared a lot. 🪞 Keep in mind the IUL is a life insurance policy WITH a cash value attached to it. 👩💼 A Roth IRA is a traditional investment in the stock market. 📉 But they both grow your money TAX FREE and you can pull your money out TAX FREE 💸 However if you make over $161k or you want to contribute more than $7k a year you CANNOT get a Roth IRA. ❌ This is where the IUL comes in and can help you contribute large sums of money and/or contribute normal amounts of money but doesnt limit you if you" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7330028229207625002) 2024-01-30T22:53Z 51.8K followers, [----] engagements "Can I roll over my 401k into an IUL 🏦 This is a common question. The answer is simple: NO In order to do so you would need to cash out and pay the taxes. Instead you can roll it over to an IRA or an FIA 📊 An FIA provides benefits that you cant get in the market: [--]. Growth [--]. Principle protection [--]. Lifetime income stream [--]. Death benefit Make sure to consult a properly trained insurance broker that can go over the details of how it works and whether there one is right for you **DIsclaimer: I am not a financial advisor or a fiduciary. Do not take a [--] second video as financial advice. You" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7330393085425356074) 2024-01-31T22:29Z 54.8K followers, [----] engagements "Can I borrow against my current life insurance policy 💸 This questions comes up a lot when people see my reels or those reels online about people pulling money out of their life insurance 📲 You can only pull from PERMANENT life insurance not TERM. 👆 Secondly you can only borrow against the SURRENDER VALUE of the policy 📊 This is where structuring the policy correctly comes in. If structured correctly and FUNDED correctly you can access money after the first year and significant money after 3-4 years ✅ If not you cant access any money for 4-5 years and significant money after 10-15 years." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7330473215686364458) 2024-02-01T03:40Z 54.5K followers, [----] engagements "💲HOW MUCH DOES IT COST TO SETUP AN IUL 🏦 People ask me all the time How much is it for consultation or How much do you charge to set it up question🤔 I thought that because maybe they just assumed it cost money. Then I found out other people online are actually CHARGING people to meet with them for a consultation or to give them advice 🤦♂ I guess if you wanted to pay for a course on how to learn all about the IUL as an agent maybe But to have a client pay you to talk about the IUL on top of the commissions you are already going to make Thats ridiculous #Investments #Banks #LifeInsurance" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7333005089755499819) 2024-02-07T23:25Z 51.8K followers, [----] engagements "🤑ROTH IRA VS IUL 🏦 Both the IUL and Roth IRA came out in [----] so they typically get compared a lot. 🪞 Keep in mind the IUL is a life insurance policy WITH a cash value attached to it. 👩💼 A Roth IRA is a traditional investment in the stock market. 📉 But they both grow your money TAX FREE and you can pull your money out TAX FREE 💸 However if you make over $161k or you want to contribute more than $7k a year you CANNOT get a Roth IRA. ❌ This is where the IUL comes in and can help you contribute large sums of money and/or contribute normal amounts of money but doesnt limit you if you make" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7334113893733911854) 2024-02-10T23:08Z 51.8K followers, [----] engagements "LUMP SUM INTO IUL 💰 Usually when people have a lump sum and they want to put that money into an IUL Ill usually recommend a couple things: [--]. Depending on the amount spread that over a span of 5-7 years. Sometimes less or more but it will give you a better cash value growth because you can lower the death benefit. 👍 [--]. Add additional premiums after the lump sum. The IUL isnt the best ONE TIME lump sum product. Its better to lump sum and then add additional premiums afterwards. 👏 Again many situations are different and recommendations are based on many factors as well 👆 #Investments #Banks" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7335942295763684651) 2024-02-15T21:23Z 54.9K followers, [----] engagements "🏦 IUL vs Whole Life 💸 Both of these products get compared a lot because they are both used to accumulate wealth tax free inside of life insurance. Whole Life was the original version of this IUL is more new school Both can help you accomplish goals to Be Your Own Bank and setting up a LIPR Life Insurance Retirement Plan. I prefer IUL because of a few reason: 👉 Flexible premiums 👉 Higher long term average interest rates 👉 Ability to overfund without increasing death benefit and cost 👉 Ability to have increasing death benefit allowing your cash value to pass to your beneficiary along with" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7337563401700281643) 2024-02-20T06:14Z 52K followers, [----] engagements "💸MONEY MATTERS 🙌 Come join us to learn about financial strategies using life insurance and annuities that wealthy use to build generational wealth #Dallas #Money #Success #GenerationalWealth #Frisco #Plano #Lifelnsurance #Stocks #Crypto #Retirement Comment or DM attend 📲 RSVP TODAY. Limited Seating Comment or DM attend 📲 RSVP TODAY. Limited Seating" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7345139400101104939) 2024-03-11T16:12Z 53.6K followers, 18.2K engagements "📜 FINAL EXPENSE 💰 This is the most common type of life insurance for older clients who just want something to cover burial costs ($10k - $50k) The reason is that they arent going to get a preferred rating with a fully underwritten policy they dont have to do a medical exam and they get approved within [--] hours if not sooner. Its a great option for older clients wanting to not leave the burden on their family if they pass or kids who are going to be the main ones responsible for taking care of those costs. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7346695262133292319) 2024-03-15T20:50Z 54.4K followers, [----] engagements "🏦 IUL INTEREST 📊 There are two most common ways that IULs earn interest inside of the cash value [--]. Floor & Cap [--]. Participation Rate From there depending on the index that you choose you will earn an interest each year (or time frame) inside of your IUL. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7348955947320053034) 2024-03-21T23:02Z 51.5K followers, [---] engagements "ANNUAL RENEWABLE TERM - PROS & CONS ⚖ ART or Annual Renewable Term is a type of life insurance that many people are not aware of. Its a term policy so it has an expiration but its different than a traditional term. Typical term is what we call level term. Meaning the premium is level the entire term period whether thats [----] or [--] years. ART starts the lowest but goes up every year. It starts the lowest so its going to be the cheapest in the beginning and most expensive in the 10th year. This is good for clients who have very troubling health and even a [--] year term option is very expensive." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7353402677247724842) 2024-04-02T22:38Z 52K followers, [---] engagements "401k vs IUL loans 🏦 This is one of the common questions that comes up Are IUL loans like 401k loans They have some similarities but there is ONE big difference. This difference is the reason why 401k loans are generally recommended against and IUL loans are generally recommended in favor of. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #RothIRA" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7354544539014614314) 2024-04-06T00:29Z 54.8K followers, [----] engagements "Life insurance underwriting guide 📝 Many companies dont require a medical exam anymore but they check your medical records and they compare it to their underwriting guide. EVERY COMPANYS guide is similar but its not exactly the same. There are some conditions that are decline with one company but approval with another carrier. Thats why it helps working with an agent thats a broker with many carriers so they can find the best policy and setup for you and your situation. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7356737757101837610) 2024-04-11T22:20Z 51.8K followers, [---] engagements "Comment FIA below to learn how [--] Reasons To Roll Over Your Old 401k Into A Fixed Indexed Annuity 📈 [--]. Principle protection [--]. Probate avoidance [--]. Lower fees [--]. Guaranteed income stream in retirement #Dallas #Money #Success #GenerationalWealth #Frisco #Plano #LifeInsurance #Stocks #Crypto #Retirement #401k #IRA #RothIRA #403b #SocialSecurity #Pensions #Retirement #Annuities" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7357795903140351275) 2024-04-14T18:46Z 52.1K followers, [----] engagements "GUARANTEED FOR LIFE 💸 This is one of the best features of insurance products. Annuities have always had these features and now some life insurance companies have them as well. But whenever you hear this term it means that CONTRACTUALLY the insurance company will keep paying you that payment FOR LIFE Just like a PENSION Just like SOCIAL SECURITY #Dallas #Money #Success #GenerationalWealth #Frisco #Plano #LifeInsurance #Stocks #Crypto #Retirement #401k #IRA #RothIRA #403b #SocialSecurity #Pensions #Retirement #Annuities" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7358196100098051371) 2024-04-15T20:39Z 54.6K followers, [----] engagements "IUL vs a Max Funded IUL 🏦 They are the same product and the same contract but just utilized differently. Technically every IUL can be Max Funded however not all are and not all are structured to be Max Funded the right way 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #WholeLife #TermInsurance #VUL" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7359434074718473515) 2024-04-19T04:43Z 51.9K followers, [----] engagements "Comment INDEX to start today Many people ask me how is it possible to get a good rate of return WITHOUT risking in the market 📉 Usually its either low risk and low return or high risk and high return. Its because INDEXING is a feature only available in insurance products 🏆 Insurance companies make their money from the cost of insurance and mortality risks . Because of that they can give you a higher return on your money 💰 Essentially in return for giving up some of the gains in the market they will take responsibility for all of the losses ❌ Its a great tradeoff 👏 #Investments #Banks" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7361133975345122606) 2024-04-23T18:39Z 54.5K followers, [----] engagements "🏦 IUL vs ROTH 📈 both of these products have been compared ever since they came out and were introduced in [----]. They are very different in the sense that one isnt it straight investment and the other is a life insurance policy with the cash value but they have a lot of similarities. The main ones being the cash value grow TAX FREE and you can pull out TAX FREE creating a tax-free income in retirement. [--] differences people dont know about have to do with the contribution limits and how much you put into it #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7362023414837693739) 2024-04-26T04:11Z 51.8K followers, [----] engagements "🚨 BAD REPUTATION 🚨 One of the biggest reasons insurance agents have a bad reputation is not because of what they SAY but what they DONT SAY. This means that sometimes clients will assume things and as a good agent you need to know that and correct that thought. Some agents think because they didnt say anything bad they didnt do anything wrong. But if you dont proactively correct their assumptions then thats just as bad as saying something misleading. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7364570515836718382) 2024-05-03T00:55Z 51.9K followers, [----] engagements "Which IUL will have more money 🧐 The $1M IUL or the $250k IUL putting in the same premium 💰 95% of the time clients tell me the BIGGER IUL because in their mind the bigger one will produce a BIGGER cash value 😬 But its exactly opposite 😳 The smaller one will because less money is paying for the life insurance policy and more is going into the cash value Once you understand this you understand how structuring an IUL with minimum death benefit with max cash value works #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7366749942318157099) 2024-05-08T21:52Z 52K followers, [----] engagements "Guaranteed Income Stream 💸 What does this mean This means that the insurance company whether its a permanent life insurance policy or annuity is CONTRACTUALLY guaranteeing that they will pay you for the rest of your life. That means if you have $1M as an example and they are paying you $60k a year for life. Well in just over [--] years they would have paid you all of the $1M that you had in there in the first place. BUTif you are still ALIVE they will keep paying that $60k a year for as long as you live. What if you live for another [--] years They will pay you $1.2M MORE than you had in the" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7370829279405575470) 2024-05-19T21:42Z 52.1K followers, [----] engagements "Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7371582927617936683) 2024-05-21T22:26Z 45.4K followers, [----] engagements "Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7371970115316845866) 2024-05-22T23:29Z 45.4K followers, [----] engagements "Borrowing against your life insurance policyheres how it works 📝 #I#InvestmentsB#BanksL#LifeInsuranceR#RothN#NewYearF#FinancialFreedomG#GenerationalWealthL#LegacyA#AnnuityI#IRA4#401kI#IULC#CDsS#SavingsI#InterestRatesI#InflationB#BeYourOwnBankInfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7372428978545528106) 2024-05-24T05:09Z 45.5K followers, [----] engagements "Comment IUL below to learn how 👉 In this client scenario this is [--] year old male putting away $600 per month or $7200 a year until he is [--] years old. 💰 👉 He will immediately have a death benefit of $203k which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.42%. This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 👉He will have $83k available for loans after [--] years and about $1380000 at the age of [--] years old. 💪 👉If he choose to he can trigger an income" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7372440977560227118) 2024-05-24T05:56Z 45.5K followers, [----] engagements "Comment below Bank to start DISCLAIMER: Make sure you talk to an agent that is a broker for many companies and sells all types of life insurance 🤝 This will ensure that they can offer you different options as well as that they will EDUCATE you on how the different types of policies work 👨🏫 Although permanent cash value life insurance (whole life and IUL) have amazing benefits dont just go to an agent that will sell you an IUL just to sell you one without making sure that its right for you. Every persons financial situation and needs are different. There isnt a one size fits all policy out" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7373083848030227758) 2024-05-25T23:31Z 45.7K followers, 15.6K engagements "🏦 LIRP - Life Insurance Retirement Plan 💸 A LIRP is a permanent cash value life insurance policy thats structured in a way to use for retirement income. There are benefits such as: [--]. Tax free growth and tax free income in retirement 📊 [--]. Ability to borrow against your cash value while not affecting your cash value growth. 🏦 [--]. With some companies the ability to get a GUARANTEED income in retirement that will pay you as long as you live. 👏 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7373092475243728170) 2024-05-26T00:04Z 45.5K followers, [----] engagements "IUL FOR KIDS 🧒 The most common like insurance for kids has been and still is the Gerber plan. Not because its the best but its the only thing that we know. Because our parents did it and their parents did it. Even funnier is how they dont even have agents just mailers that go out to our home But what they dont tell you is that its whole life policy. With an IUL you have the same benefits but more and the ability to overfund and max fund for retirement purposes and be your own bank in the future #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7374839166003121451) 2024-05-30T17:02Z 54.8K followers, [----] engagements "Comment INDEX to start today Many people ask me how is it possible to get a good rate of return WITHOUT risking in the market 📉 Usually its either low risk and low return or high risk and high return. Its because INDEXING is a feature only available in insurance products 🏆 Insurance companies make their money from the cost of insurance and mortality risks . Because of that they can give you a higher return on your money 💰 Essentially in return for giving up some of the gains in the market they will take responsibility for all of the losses ❌ Its a great tradeoff 👏 #Investments #Banks" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7377149091261812010) 2024-06-05T22:26Z 51.4K followers, [----] engagements "Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #infinitebanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7380382031919811883) 2024-06-14T15:31Z 45.7K followers, [----] engagements "🏦 #1 SIDE HUSTLE IN [----] 🚨 Getting an insurance license is very simple and can make great income 📜 Many people do it part time and make an extra $500 a month or even $5000 a month. But there are also endless possibilities 💸 As a broker you can build an agency that can be nationwide. You can have a team of [---] or [----] or even [-----] agents 💪 Just like someone who has multiple McDonalds franchises or dry cleaners you can make a % of what your overall agency does even if it operates in different states 🌎 #PHPAgency #TheNextGeneration #Valuetainment #Entrepreneur #LifeInsurance #IUL" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7382609091081882923) 2024-06-20T15:33Z 45.7K followers, [----] engagements "Dont know what kind of life insurance you have Follow these steps to find out #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #Crypto #Forex #Bitcoin" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7384323524355280171) 2024-06-25T06:26Z 45.9K followers, [---] engagements "How to create GENERATIONAL WEALTH using life insurance and TRUSTS 📝 [--]. Purchase a life insurance policy. Term or permanent work but permanent comes with cash value that is tax free and will also pass to your beneficiaries. 💰 [--]. Name the beneficiary on your policies your family TRUST 💪 [--]. Dictate in your trust that you want the proceeds of the death benefit be paid to your beneficiaries in the form of a permanent life insurance policy. That way they are able to pull out money TAX FREE inside of a policy. 📜 [--]. Name the beneficiary on those policies the family trust 👏 #Investments #Banks" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7384566336778685738) 2024-06-25T22:08Z 47.1K followers, 11.2K engagements "Replying to @ClairJet cash back from your life insurance" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7385571501518507295) 2024-06-28T15:09Z 52.1K followers, [----] engagements "401k vs Life Insurance Loans 🏦 This is a common questions. Here is the difference: 401k Loans: - They loan you your own money so its not earning an interest in the market. - They will typically charge you an interest but that interest is actually paid back to your account since its your own money you are borrowing. Life Insurance Loans(participating): - They are loaning you THEIR money so your money stays in your account earning an interest as if it never left. - They will charge you an interest which is paid to the insurance company. #Investments #Banks #LifeInsurance #Roth #NewYear" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7388182170327616798) 2024-07-05T16:00Z 52.3K followers, [----] engagements "Replying to @walki Why do you have to take a loan on your own money 😭 #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/7388660639532698910) 2024-07-06T22:57Z 51.8K followers, [----] engagements "Maximizing Retirement Income: Annuity vs. 401k Withdrawal 🤩 Discussing options for a 64-year-old client who wants to retire in a year and maximize his income stream 👏 Comparing the traditional 4% withdrawal rule from a 401k versus rolling over to an income annuity that can provide a higher guaranteed lifetime income 📈 #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/7391369359307935006) 2024-07-14T06:08Z 54.6K followers, [----] engagements "Weekend vibes 🎥 Credit: @🦥 #Porsche #911Turbo #CarPorn #Exotic #Cars" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7394290105910971679) 2024-07-22T03:02Z 50.1K followers, [----] engagements "Surprising Ways to Use Life Insurance While Youre Alive 👏 There are two ways you can use life insurance while youre alive: [--]. Living Benefits 🤕 [--]. Cash Value 💰 Term insurance often comes with #1 and Permanent Insurance can come with BOTH 💪 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #RothIRA" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7402070647255452958) 2024-08-12T02:14Z 47.5K followers, [----] engagements "Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7403369042834115871) 2024-08-15T14:13Z 52.2K followers, 24.2K engagements "5 Things to Know Before Investing in an Annuity 📊 An annuity can be a very effective tool in retirement that can provide things that other accounts cannot: 👉 Principle Protection 👉 Growth Potential 👉 Locking in Gains 👉 Guaranteed Income for Life And many others however you should know the [--] things discussed in this video before you decide to invest inside of any annuity regardless of the agent or company you are dealing with 💪 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7403463181428903198) 2024-08-15T20:18Z 50.2K followers, [----] engagements "🏦 Maximizing Retirement Income: IRA Roth IRA or IUL When Life insurance first came out it was meant to cover your family in case you passed away 🙏 Then they created policies that would have cash value inside of it that could help prolong the policy so it didnt expire 👌 Then those same policies with cash value made their funds available to borrow against it to use for emergencies 🚨 and unique situations 🤝 Now those policies are specifically designed 📊 with the cash value in mind to supplement things like college funding for kids 🧑🎓 and retirement planning👨 Things that were never meant" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7405865701434494238) 2024-08-22T07:42Z 50.1K followers, [----] engagements "DM or comment IUL to get started today 🏦 This example shows a [--] year old male putting away $2k a month into a Max Funded IUL for [--] years 💪 Its assuming a 6.44% average interest rate in that time frame. This is not guaranteed but based on the last [--] years history of this index allocation 📈 That would come out to $676k in cash value at [--] years old which at that time he could trigger an income stream of $48k which would at that time be guaranteed for life 💸 If he lives for [--] years thats $1.2M total payout 👏 If he lives longer it will keep paying out for the rest of his life." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7415097153351077151) 2024-09-16T04:44Z 50.1K followers, 90.5K engagements "Rollover 401(k) to IUL 🤔 This is a very common question 👆 A 401k is tax-deferred which means the money thats in there has not been taxed. In that case you cannot roll over money that has not been taxed into a tax-free vehicle like an IUL. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7419823812025257259) 2024-09-28T22:25Z 53.6K followers, [----] engagements "🏦 IUL vs ROTH IRA 📈 Both of these products have been compared ever since they came out and were introduced in [----]. They are very different in the sense that one isnt it straight investment and the other is a life insurance policy with the cash value but they have a lot of similarities. The main ones being the cash value grow TAX FREE and you can pull out TAX FREE creating a tax-free income in retirement. [--] differences people dont know about have to do with the contribution limits and how much you put into it #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7421389666483539243) 2024-10-03T03:42Z 51.9K followers, [----] engagements "🏦 IUL vs ROTH IRA 📈 Both of these products have been compared ever since they came out and were introduced in [----]. They are very different in the sense that one isnt it straight investment and the other is a life insurance policy with the cash value but they have a lot of similarities. The main ones being the cash value grow TAX FREE and you can pull out TAX FREE creating a tax-free income in retirement. [--] differences people dont know about have to do with the contribution limits and how much you put into it #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7425481850526633258) 2024-10-14T04:22Z 52.1K followers, [----] engagements "Single Premium Life 💰 You often hear about us talking about MINIMUM premium or MAX funded policies and those are referring to those amounts on an annual basis 📝 However there is an amount that you can pay where the ENTIRE policy is paid up at one time 🤯 This can be good for someone who just wants coverage their entire life and doesnt want to make monthly payments ❌ Do your research before doing this the TAX IMPLICATIONS are different than a normal IUL and may not be favorable if you are looking to use the cash as a retirement income etc 🧐 #Investments #Banks #LifeInsurance #Roth #NewYear" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7432075079103696159) 2024-10-31T22:47Z 54.8K followers, [----] engagements "Whole Life vs IUL 🏦 Most of the comments that are blatantly wrong on my reels are from people thinking an IUL works like a Whole Life 🤦♂ Side note: many of the newer Whole Life policies have riders and provisions that make those not even applicable as well ❌ Keep in mind this reel is only [--] seconds. You need to do WAY more research to understand the full different but this gives you a starting point 👏 #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/7432473063452609822) 2024-11-02T00:31Z 50.1K followers, [---] engagements "Comment or DM IUL" for more information One of the benefits of an lUL is that the income that you can pull out in retirement is not only higher than the average 4% rule touted by a financial advisors (closer to 7%) but depending on the carrier it can be GUARANTEED for life 👏 That's because the IUL does not have to lower your risk in the older years to avoid against loss therefore lowering the amount you can pull out 📈 Because the inherit nature of the IUL you can't have a negative rate of return in any year so you are never risking your retirement money in your older year 💪 #Investments" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7434722673499966751) 2024-11-08T02:01Z 50.3K followers, 79.5K engagements "DM or comment IUL to get started today 🏦 This example shows a [--] year old male putting away $2k a month into a Max Funded IUL for [--] years 💪 Its assuming a 6.44% average interest rate in that time frame. This is not guaranteed but based on the last [--] years history of this index allocation 📈 That would come out to $676k in cash value at [--] years old which at that time he could trigger an income stream of $48k which would at that time be guaranteed for life 💸 If he lives for [--] years thats $1.2M total payout 👏 If he lives longer it will keep paying out for the rest of his life." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7434722673948626207) 2024-11-08T02:01Z 50.3K followers, [---] engagements "Be Your Own Bank 🏦 This concept has been popular over the last couple of years all over social media 📲 Most people dont know what that actually means 🧐 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7436797454634208542) 2024-11-13T16:12Z 50.7K followers, [---] engagements "Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7437870002931354922) 2024-11-16T13:34Z 50.7K followers, [---] engagements "Comment below IUL to learn about one for you today 👍 The average person contributes 6.2% of their earnings into social security their whole life and receives an average $1862 in retirement 💰 The average American over the age of [--] has $272588 saved in their 401k 📊 We need to have 2-3 other sources of income in retirement. The IUL can be a great tool if used correctly and structured the right way 👩💼 The example above shows a [--] year old male putting away $500/mo into a Max Funded IUL ($138361 death benefit/option B increasing) 🏦 Its showing an average 6.44% rate of return. This is NOT" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7438717587942411563) 2024-11-18T20:23Z 50.8K followers, [---] engagements "IUL vs FIA 🏦📉 If you are looking to contribute money on a monthly basis do you want the ability to have a tax free retirement and also to borrow against your cash while its growing the IUL may be right for you 💪 If you have an old 401(k) or IRA or even a large lump sum of money in the bank and you want to move that somewhere where itll grow but no risk of loss the FIA may be right for you 💪 Either way both will be able to grow your money based on a market index without risk of loss and provide you an income stream in retirement 👏 #Investments #Banks #LifeInsurance #Roth #NewYear" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7439779633425517870) 2024-11-21T17:04Z 51K followers, [----] engagements "IUL vs FIA 🏦📉 If you are looking to contribute money on a monthly basis do you want the ability to have a tax free retirement and also to borrow against your cash while its growing the IUL may be right for you 💪 If you have an old 401(k) or IRA or even a large lump sum of money in the bank and you want to move that somewhere where itll grow but no risk of loss the FIA may be right for you 💪 Either way both will be able to grow your money based on a market index without risk of loss and provide you an income stream in retirement 👏 #Investments #Banks #LifeInsurance #Roth #NewYear" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7439968852647349550) 2024-11-22T05:19Z 50.8K followers, [---] engagements "Comment IUL to schedule a call today If you want to get an IUL and have long term growth to be your own bank accumulate income for retirement and other investment opportunities you want to find the right company. 🏢 By the way if you have an existing policy you can schedule a call to have me review your policy 🗒 [--]. Mutual of Omaha They have a good low cost IUL for those looking to do smaller premiums older clients and those that dont want medical exams. [--]. AIG/CoreBridge Financial One of the earliest carriers that I used in my career. They are the best rates for term policies and they have" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7440141779950669098) 2024-11-22T16:30Z 54.4K followers, [----] engagements "MISS A LIFE INSURANCE PAYMENT 💸 A lot of people will scare you that your policy will IMPLODE 🤯if you miss a payment. Even with term which is just straight insurance you are still given time to make up for that payment 🫡 With permanent insurance there is cash value in the policy. So if you miss a payment they will take money from your CV to pay your insurance cost 💲 In many cases people STRUCTURE their policy intentionally to stop paying and continue self funding 👌 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7440736104698989870) 2024-11-24T06:56Z 51K followers, [---] engagements "Comment FIA below to start get more information A Fixed Indexed Annuity is a retirement plan sold by life insurance companies 💰 👉 The interest you earn is based on a market INDEX where you participate in a portion of the gains in return for none of the losses. 👉 The above example shows a [--] yr old who rolls over $300k from an old 401(k) from a previous employer. 👉 The interest rate is assuming a 7% return. This return is NOT GUARANTEED but hypothetical since future returns are unknown. 👉 The returns ARE however based on historical returns over the last [--] years. So although they arent" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7444737385759395118) 2024-12-05T01:43Z 51.3K followers, 80.3K engagements "IUL LOANS 💸 There are multiple loans when it comes to permanent cash value building life insurance 🏦 Standard preferred variable and preferred. Even with different companies they call them different names as well 🤷♂ Some loans need to be paid back 👍 Some dont 👎 The ones that DONT need to be paid back are the ones that people use as income 📨 Loans arent taxable income so that money you would get it TAX FREE because it came to you in the form of a loan. So dont get thrown off when you hear the word LOAN because it doesnt work how any typical loan you are used to #Investments #Banks" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7449647084027776302) 2024-12-18T07:15Z 51.5K followers, [---] engagements "Comment or DM Wealth for more information 🏦📜 [--] Use Life Insurance as a Wealth Accumulation and Transfer Tool 👉The Rockefellers are said to have used permanent life insurance for wealth growth and transfer. 👉 These policies offer cash value that grow over time which can be borrowed against or used for investments. 👉 Family members could take loans against the cash value for business ventures education or emergencies without disrupting the wealth system. [--] Establish and Fund Family Trusts 👉 These trusts are designed to last for multiple generations shielding wealth from estate taxes" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7449648154837798187) 2024-12-18T07:19Z 51.5K followers, [----] engagements "BAD INSURANCE AGENT 🚫 Let me clarify when I mean bad: [--]. An agent who has intentions of making a higher commission over whats best for you 🚩 [--]. An agent that is extremely under trained or lacks knowledge to help you properly 🚩 [--]. An agent that is limited to certain products and cannot help you but is going for the sale still. 🚩 At the end of the day that just means the agent will end up selling you a policy that doesnt meet your needs. If you see any of these red flags compare with another agent and seek help outside of them. #Investments #Banks #LifeInsurance #Roth #NewYear" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7450545815715892526) 2024-12-20T17:23Z 51.5K followers, [---] engagements "Grow Your Money with Indexing Returns in Insurance Products 📊 Indexing is different than Index Funds which are actually in the stock market 📈 Indexing is only available with insurance products: IULs and FIAs 🏦 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7451485896911686955) 2024-12-23T06:11Z 51.5K followers, [---] engagements "Comment IUL below to learn how 👉 In this client scenario this is [--] year old male putting away $600 per month or $7200 a year until he is [--] years old. 💰 👉 He will immediately have a death benefit of $203k which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.42%. This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 👉He will have $83k available for loans after [--] years and about $1380000 at the age of [--] years old. 💪 👉If he choose to he can trigger an income" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7451496467602115882) 2024-12-23T06:52Z 51.5K followers, 19.8K engagements "Missing a Payment on IUL ❌ There are times when this causes your policy to lapse. Sometimes in a few years sometimes in months 😵 There are also times that you policy cash value will continue to grow forever and never lapse 👏 It all comes down to HOW ITS FUNDED 💰 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #RothIRA" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7455946442818194734) 2025-01-04T06:40Z 54.7K followers, [----] engagements "401k Loan vs. Life Insurance Policy Loan 💸 There are a lot of misconceptions about the loans for life insurance. In fact there are [--] types of loans: [--]. Standard 👍 [--]. Preferred 👌 [--]. Participating or Variable 👏 Learn about them all and the benefits of taking out loans from your life insurance policy 🏦 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #RothIRA #FinalExpense #LivingBenefits" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7458345475117255978) 2025-01-10T17:49Z 51.9K followers, [---] engagements "Comment IUL below to learn how 👉 In this client scenario this is [--] year old male putting away $1500 per month or $18000 a year until he is [--] years old. 💰 👉 He will immediately have a death benefit of $360k which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.42%. This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 Assuming the above interest rate. 👉He will have $9227 available after [--] year $27k after [--] years and $87k after [--] years for policy loans or" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7458442391914155310) 2025-01-11T00:05Z 51.8K followers, [----] engagements "The Power of Convertible Term Life Insurance 🏦 Generational Wealth is the concept where you pass down financial assets to your NEXT GENERATION 🦁 What happens if you pass away before you ever accumulate that wealth Thats where a $1M term policy comes in handy 📄 This ensures that you will always pass down wealth to your family regardless of how old you are 👏 Then when your income is right you can convert part of it to a MAX FUNDED IUL and create a TAX FREE retirement that you will never outlive 💸 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7458856876084677930) 2025-01-12T02:54Z 51.8K followers, [---] engagements "🎥 Understanding the Difference: IUL vs. Indexed Annuity Confused about the difference between an Index Universal Life (IUL) policy and an Indexed Annuity 🤔 Let me break it down for you 📊 IUL: 👉A type of life insurance that combines protection with cash value growth. 👉 Your cash value grows based on the performance of an index (like the S&P 500). 👉 It also provides a death benefit to protect your loved ones. 💕 📈 Indexed Annuity: 👉 A retirement savings product designed to grow your money with tax-deferred benefits. 👉 Growth is tied to an index but its primarily for income and not life" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7460581678919044394) 2025-01-16T18:27Z 54.5K followers, [---] engagements "MILLION DOLLAR BABY 💸👶 Setting up an IUL for a newborn can be one of the best things you can do for your chid when they are born 📊 Using tax free loans your child can have access to this cash value without affecting its growth long term. And when they go to retire they can trigger an income stream that will last the rest of their life #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #CollegeFunding" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7467691282505157934) 2025-02-04T22:16Z 51.8K followers, [----] 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/7471429918144859438) 2025-02-15T00:04Z 54.5K followers, [----] engagements "Ever wondered how an annuity works Lets break it down 💡 In the accumulation phase you invest money into the annuity growing your funds over time. 🏦 Then in the distribution phase you start receiving regular payouts offering you a steady income stream 💵 Whether youre saving for retirement or looking for guaranteed income an annuity can be a great financial tool #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/7476372065172458798) 2025-02-28T07:43Z 52.3K followers, [---] engagements "Is Your IUL Policy Structured the Right Way 🏦 I cant tell you how many times a DAY someone reaches out to me to review their IUL 📧 90% of the time if they are putting in $500/mo or more into their IUL it was structured the wrong way. Why [--]. The agent is either untrained or incompetent🤦♂ [--]. The agent wanted to double triple or even quadruple their commissions 😡 What does it mean to be structured the right way 👉Where you are putting in the Max Annual Premium every year = Guideline Level 💸 👉And in the cases you arent doing that you are at least putting in 50%-100% more than the minimum" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7476608324394388779) 2025-02-28T22:59Z 51.9K followers, [---] engagements "🎥 Indexed Annuities: How Your Income is Bigger Than Your Account Value 💰🔥 Did you know that with an indexed annuity your income base is often higher than your actual account value That means your retirement income stream is calculated off a bigger numbergiving you more guaranteed income for life Heres how it works: ✅ Your money grows based on market performance (with no risk of loss). 📈 ✅ The annuity company provides an income base that grows over time. 🚀 ✅ Even if your account value is lower your income stream is based on the higher income base 💵 This strategy ensures steady" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7476985638982585646) 2025-03-01T23:23Z 51.9K followers, [---] engagements "Ever heard of Being Your Own Bank 💰🚀 In this reel I break down the step-by-step process of using an Index Universal Life (IUL) policy to grow protect and leverage your moneyjust like the wealthy do ✅ Apply & Get Approved for an IUL Build cash value with tax-advantaged growth 📈 ✅ Properly Structure & Properly Fund your Policy It will not work the same way if you do not do this step Increasing vs Level Guideline Level vs Target and MEC premium etc. All things you need to know 💵 ✅ Give it some Time Ideal is 3-5 years before you start borrowing. If you need to touch it sooner you can but this" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7480562399645551918) 2025-03-11T14:43Z 51.8K followers, [---] engagements "🎥 Annuity Myths 🚨 Theres a lot of misinformation out there about annuities. Although an annuity is NOT right for every person in retirement it can be a great option for MANY Here is a common myth about annuities: ❌ Myth : Your family will receive nothing if you get an annuity ✅ Truth: If you pass away with an annuity your family will get your entire amount you rolled over in some cases they will also get an additional death benefit If you have been receiving an income stream they will take whatever youve received and subtract that from the total amount that you rolled over and the rest of" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7480634156330913070) 2025-03-11T19:21Z 52.9K followers, [---] engagements "🎥 [--] Key Features to Consider Before Buying an Annuity 🔑💰 Thinking about getting an annuity 🤔 Before you lock in your money here are [--] essential features you need to evaluate to make the right decision 🚀 [--] Fees - Some have very high fees and many have ZERO. Also fees with riders etc. [--] Surrender Period/Charge How long is the time frame and how big the fees What is the free withdrawal amount as well [--] Lifetime Income % This is a percentage that the company will give you as a guaranteed payout your entire life. Needless to say its very important. [--] Bonus Some have them and some dont. It" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7481141851932675371) 2025-03-13T04:11Z 52K followers, [---] engagements "🚨 Can You Roll Over an Old 401(k) into an IUL 🚨 Nope ❌ But heres what you CAN do instead 👇 Many people think they can roll over their 401(k) into an Indexed Universal Life (IUL) policy but IRS rules say otherwise. Retirement funds must transfer into another qualified accountand thats where a Fixed Indexed Annuity (FIA) shines 🌟 ✅ Why consider an FIA instead 📈 88% of annuity owners say their annuity helps them feel more financially secure in retirement (LIMRA). 📊 FIAs can offer market-linked growth with ZERO risk of loss during downturnsunlike a traditional 401(k) thats fully exposed to" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7486648938318122283) 2025-03-28T00:21Z 51.8K followers, [---] engagements "Lets dive into how an IUL (Indexed Universal Life) policy can help you maximize your retirement income while protecting your wealth 🛡💡 In this reel Ill show you how an IUL works and why its a smart tool for growing your money without the tax burden. 🔥 🔑 How an IUL helps you retire tax-free: 📈 Cash value growth linked to a stock index (like the S&P 500) but with no market riskyou earn when the market goes up but never lose when it goes down 💵 Tax-deferred growthyour gains grow without being taxed so you get to keep more of your money for longer. 💸 Tax-free loansyou can borrow against" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7489143504329788718) 2025-04-03T17:41Z 51.9K followers, [---] engagements "The Unethical Reality of Traditional Sales 🫣" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7490081233586736426) 2025-04-06T06:21Z 51.9K followers, [---] engagements "Think a 401(k) loan is your best option Think again. 💭 Lets break down why borrowing from the cash value of your IUL could be a smarter move 📝 No penalties no taxes and your money still grows plus it opens doors for future investment opportunities 💸 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7492276809145404715) 2025-04-12T04:21Z 52K followers, [---] engagements "BONUS ANNUITIES 📈 Comment FIA if you want a [--] min no-obligation review of your retirement accounts 📲 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7497366484461882670) 2025-04-25T21:31Z 52K followers, [---] engagements "💰WHY ANNUITIES CAN DO WHAT THEY DO 🏢 📊 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7498116690388045102) 2025-04-27T22:02Z 52.1K followers, [---] engagements "$500000 IN AN IUL CASH VALUE IN [--] YEARS 💰📊 Setting aside $500/mo into a blend setup (term & permanent) assuming a 6.44% return would accumulate $500k cash value 💰 If you did that same amount of money into a Roth IRA that would be upwards of over $850k+ 📊 You dont get an IUL because it will be a HIGHER return than other accounts 🤔 You get it because of SAFETY OF PRINCIPAL HIGH RETURNS TAX FREE LOANS and TAX FREE INCOME in retirement 👏💪" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7498552943759592746) 2025-04-29T02:15Z 54.8K followers, [---] engagements "LOSE YOUR JOB AND CANT MAKE PREMIUMS 💸 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7498823506625432878) 2025-04-29T19:45Z 52K followers, [---] engagements "Comment IUL in the comment below to see if you can qualify for a policy 📲 This is a client setting aside $2500 a month into an IUL 💰 This may seem a lot to some however keep in mind that after one year this money is essentially liquid 👏 So instead of having this in the bank earning no interest 🙈 you can have it growing and have ability to borrow against it without affecting the growth 📊 **This is just an illustration for an example purposes. These are not guaranteed but based on historical returns. Actual results may vary 👍" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7499179701991296302) 2025-04-30T18:48Z 53.4K followers, [---] engagements "🏦 IUL & [---] PLAN 📈 Comment IUL below to have some illustration ran for you 📲 The IUL is a permanent life insurance policy that has a tax-free cash value that grows based on a market index 📊 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA##401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7499539569587817774) 2025-05-01T18:04Z 54.8K followers, [---] engagements "RETIREMENT CRISIS IS HERE 🚨 📉 Social Security isnt enough 📊 401(k)s can be volatile when you need them the most 💸 Most people are crossing their fingers instead of having a real plan But theres a better way. ✅ Tax-free income ✅ No market risk ✅ Money that lasts for life Indexed Universal Life and Fixed Indexed Annuities help build real retirement income strategies with protection and peace of mind🔒📈 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7501045989319478571) 2025-05-05T19:30Z 51.9K followers, [---] engagements "FIXED ANNUITIES 📊 You hear a lot about INDEX annuities but there is another annuity type that is very popular and great for clients who was security FIXED ANNUITIES 💰 Especially good for those that have money sitting in the bank not growing or even risking unnecessarily in the stock market 📈 #I#IULM#MoneyMovesC#CashValueLifeInsuranceL#LifeInsuranceR#RothIRAI#IndexedUniversalLifeB#BeYourOwnBankM#MoneyTipsW#WorkFromHomeI#InsuranceLicenseA#AnnuitiesExplainedF#FinanceTokL#LearnOnTikTokD#DidYouKnowF#FinancialLiteracyF#FYPF#ForYouL#LivingBenefitsF#FIA401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7501736025408965930) 2025-05-07T16:08Z 54.4K followers, [---] engagements "🚨 401(k) Rollover Tax Trap 🚨 Did you know over 60% of Americans dont understand the tax impact of rolling over their 401(k) 🤯 Dont make a costly mistake ✅ Fixed Indexed Annuity (FIA) = NO taxes now Your money stays tax-deferred and keeps growing. 📈💰 ❌ Indexed Universal Life (IUL) = TAX BILL ALERT 🚨 Rolling over a 401(k) into an IUL is a fully taxable event and with the average federal tax rate at 22%24% that could be a massive hit to your savings 💸 Know the rules protect your money 🔥 Drop a 💰 if you want to learn more 👇" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7503726227266702638) 2025-05-13T00:50Z 52.1K followers, [---] engagements "24% RETURN ON AN OLD 401K ROLLOVER 📊 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7504419875037777195) 2025-05-14T21:42Z 52.1K followers, [---] engagements "🛡 IUL & TERM BLEND 🏦 I come across many clients that are being shown high DB IULs and are not being maximized for cash value growth. In many cases this is leaving them with $0 accessible for the first couple of years higher than normal fees and cost of insurance and ultimately that can lead to hundreds of thousands of dollar difference than if they got a smaller IUL. Make sure you speak to an agent who knows how to structure these the right way and they arent concerned about their commissions and how much they are going to get paid #Investments #Banks #LifeInsurance #Roth #NewYear #Legacy" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7508552034845773102) 2025-05-26T00:57Z 52.1K followers, [---] engagements "52% of Americans have some form of life insurance (2023 LIMRA) and out of those [--] in [--] are UNDERINSURED 🙄" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7509212211282316586) 2025-05-27T19:39Z 54.4K followers, [---] engagements "❎ [--] REASONS ANNUITIES WERE BAD IN THE PAST 🙅♂ Comment FIA if you are looking into annuities for yourself 📲 [--]. Long and high surrender charges and period [--]. Forced annuitization [--]. No death benefit for the remainder of your unpaid accumulation value They have changed Reach out to know more about how they work today 💪 #IU#IULo#MoneyMovesa#CashValueLifeInsurancei#LifeInsuranceo#RothIRAn#IndexedUniversalLifee#BeYourOwnBanko#MoneyTipso#WorkFromHomen#InsuranceLicensen#AnnuitiesExplainedi#FinanceToke#LearnOnTikToki#DidYouKnowi#FinancialLiteracyY#FYPo#ForYoui#LivingBenefitsI#FIA01k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7509222063668743467) 2025-05-27T20:17Z 52.2K followers, [---] engagements "🏦 BUY SELL AGREEMENT 🤝 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7511157965345328426) 2025-06-02T01:29Z 52.9K followers, [---] engagements "💰WHAT TO DO WITH OLD 401(K) 📊 Save this video for future reference and comment or DM ROLLOVER if you want free advice on your options 📲 👉 Leave it where its at 🎯 👉 Roll over to new company 401(k) 📈 👉 Roll it into an IRA or FIA 🏦 👉 Cash out 🙅♂ Its important to know your options since most employers dont provide the proper resources and education for employees regarding this topic 🤷♂ #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7514375748132801838) 2025-06-10T17:36Z 52.1K followers, [---] engagements "How much does confidence play a role in the success of your business 👩💼 🧑💼 In my business you could argue its 90% 😮 The scary thing is we dont talk about improving it a lot 🗣 We do seminars and talks about improving every skill set known to man besides CONFIDENCE 🫡 Its two things: [--]. Preparation 📚 [--]. Keeping small promises 🤝 Work on these and watch your business grow 🙌 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7516803835235519799) 2025-06-17T06:39Z 52.3K followers, [---] engagements "4 QUESTIONS TO ASK BEFORE PURCHASING AN ANNUITY 💰 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7517691042162855182) 2025-06-19T16:01Z 52.3K followers, [---] engagements "WHY YOU CANT ROLLOVER 401K INTO AN IUL 🏦 Comment ROLLOVER for more information 📲 This question comes up a lot with people who have an old 401k from previous employers 📊 Because of taxes you cant transfer your 401(k) to an IUL but you CAN roll it into an FIA 👏 It has the same indexed growth with no risk of loss and income stream in retirement 💸" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7517734287886650637) 2025-06-19T18:49Z 54.4K followers, [----] engagements "How do agents get paid 💰 We get paid a commissions based on the policy that we sell ✍ Insurance companies have a lot of money so when we bring them a client they didnt have to advertise for they pay us directly 💵 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7517767584796757262) 2025-06-19T20:58Z 52.3K followers, [---] engagements "35 YEAR OLD $1500/MO INTO A MAX FUNDED IUL 🏦 Comment or DM IUL for more info about starting one for yourself 📲 👉This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 👉 DISCLAIMER: You must be able to qualify medically to get an IUL. This is a life insurance policy💸 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7518048455613304119) 2025-06-20T15:07Z 52.3K followers, [---] engagements "Comment FIA below to start get more information A Fixed Indexed Annuity is a retirement plan sold by life insurance companies 💰 👉 The interest you earn is based on a market INDEX where you participate in a portion of the gains in return for none of the losses. 👉 The above example shows a [--] yr old who rolls over $300k from an old 401(k) from a previous employer. 👉 The interest rate is assuming a 7% return. This return is NOT GUARANTEED but hypothetical since future returns are unknown. 👉 The returns ARE however based on historical returns over the last [--] years. So although they arent" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7518083525170564365) 2025-06-20T17:24Z 52.3K followers, [----] engagements "DO YOU HAVE LIFE INSURANCE AT YOUR JOB 🤝 If so here are [--] things to consider: [--]. Many times its the same price for a private policy than what you are paying ☝ [--]. No living benefits 🤕 [--]. Term not permanent 🙅♂ If youre interested in a free review of your jobs life insurance send me a DM 📲 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7518172691388550414) 2025-06-20T23:10Z 52.3K followers, [---] engagements "Most people have never heard of this strategy but it could change the way you retire 📊 Its called a Max-Funded Indexed Universal Life policy (IUL) and its how people are building tax-free income for retirement while avoiding market crashes and future tax hikes 🏦 ✅ No market risk ✅ No income limits ✅ Access to your money tax-free ✅ Works for business owners W2 earners and even real estate investors If youre putting $500/month into a 401(k) but worried about taxes or volatility this could be a better strategy 👌 Comment IUL and Ill send you a simple 2-minute breakdown that shows how it works" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7519284645620403511) 2025-06-23T23:05Z 52.3K followers, [----] engagements "💼 The life insurance industry didnt just survive [----] and [----] it thrived. When the market crashed in [----] people still needed protection. When COVID hit in [----] demand for life insurance jumped 8% the highest spike in [--] years 📈. Two of the biggest reasons you should get your insurance license is: [--] Its RECESSION-proof 📈 [--] Its PANDEMIC-proof 📊 📲 Comment LICENSE if you want to learn how to get started." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7519604363778690318) 2025-06-24T19:46Z 52.3K followers, [---] engagements "🚨 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/7520302999722380558) 2025-06-26T16:56Z 52.3K followers, [---] engagements "💼 Why do banks own over $220 BILLION in life insurance but most people dont even know it exists Its called BOLI Bank-Owned Life Insurance and its one of the best-kept financial secrets out there. ✅ Safe predictable growth ✅ Tax-free access to cash ✅ Liquid ✅ Still earns interest even when borrowed from Heres the crazy part: you can use a similar strategy with an IUL (Indexed Universal Life) without needing millions in the bank. 📲 Want the same blueprint Comment BOLI and Ill show you how to set it up" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7520754135772204343) 2025-06-27T22:07Z 53.5K followers, [---] engagements "📚 INCOME is the OUTCOME. Tony Robbins Money: Master the Game 💰 Most people think retirement is about a number but what if its really about guaranteed income for life In Chapter [--] Tony breaks down how annuities can create financial certainty and peace of mind in retirement yet too many people ignore this strategy. 🔥 If youre serious about building a retirement you wont outlive its time to understand how the wealthy use annuities. 👇 Lets talk: Comment annuities below to learn how annuities could protect your future." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7520832540937145613) 2025-06-28T03:12Z 52.3K followers, [---] engagements "📊 Level vs. Increasing Death Benefit: Whats the Difference 🤔💡 When you buy life insurance you get to choose how your death benefit works. But most people have no idea how it affects their cash value premium and payout later on. ➡ Level death benefit: Keeps your death benefit the same great for affordability but cash value doesnt impact the payout. ➡ Increasing death benefit: Your cash value adds to your death benefit giving your family a bigger payout over time 💵📈 Knowing the difference could mean thousands more for your legacy. Dont let your policy work against you. Make it work for" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7521114174009658638) 2025-06-28T21:24Z 52.7K followers, [----] engagements "📰 Why Indexed Universal Life Insurance Might Be the New 401(k) Forbes Heres why the IUL (Indexed Universal Life Insurance) is getting attention: ✅ Grows your money with market upside without market losses ✅ Access your cash tax-free ✅ No age restrictions or penalties like a 401(k) ✅ Protects your family and your financial future ✅ Completely under your control not your jobs 🚫 Unlike a 401(k) youre not gambling your retirement on market crashes or future tax hikes. 📉 While most are crossing their fingers in the stock market. 📈 The wealthy are growing and accessing their money TAX-FREE. 💬" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7521555617618611469) 2025-06-30T01:57Z 52.7K followers, [----] engagements "Most people think $1 million is enough to retire comfortably But in Hawaii it only lasts [--] years. In California [--] years. And the national average Just [--] years before you're broke. 😳 The truth is $1M isnt what it used to be. You need to plan for more #IUL#IULn#MoneyMovess#CashValueLifeInsurancef#LifeInsurancet#RothIRAd#IndexedUniversalLifeY#BeYourOwnBankn#MoneyTipsr#WorkFromHomes#InsuranceLicensen#AnnuitiesExplainedn#FinanceToka#LearnOnTikTokd#DidYouKnown#FinancialLiteracyP#FYPr#ForYouv#LivingBenefitsA#FIA1k 💰⚠$1 MILLION IN RETIREMENT 💰⚠$1 MILLION IN RETIREMENT" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7521978256657009975) 2025-07-01T05:18Z 52.7K followers, [---] engagements "🔥 "If you have an IUL with a $500k or $1M death benefit its probably not structured the right way" 😳💸 Most agents focus on the death benefit but the real power of an IUL is in cash accumulation and tax-free retirement income. If yours isnt designed with minimum death benefit and max funding youre likely missing out big time. 👎🏽 📉 Paying too much for insurance. 📈 Getting too little in cash value. 💡 Want to make sure your policy is actually built for you 📲 Comment IUL review and Ill take a look." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7522244403306564877) 2025-07-01T22:30Z 52.7K followers, [---] engagements "Save this reel and comment WEALTH below to start your own Cash Value Life Insurance Policy today 🏦 📲 There are two major pieces to leaving the NEXT GENERATION more 🧩 [--] TRUST [--] LIFE INSURANCE If you are looking to setup a trust you need to deal with an estate planning attorney 👩💼 However you dont need that before signing up for your policy. IN FACT most people do their Life Insurance first and then change their beneficiary to their trust when they set it up 👌📜 Comment WEALTH below if you are interested in setting your Life Insurance policy 📲 #IUL #MoneyMoves #CashValueLifeInsurance" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7522271556882517303) 2025-07-02T00:15Z 52.7K followers, [---] engagements "Is [--] too late to start an IUL 🤔 Not at all In fact it might be the perfect time. 🔥 Its not about ageits about premium structure and time. If youre consistent and fund it right an IUL can still give you tax-free retirement income living benefits and protection for your family. 💰🛡 You didnt miss the window you just need the right strategy. 👉 Comment IUL below if youre 50+ and want to see how this could work for you. #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7522663927348595982) 2025-07-03T01:38Z 52.7K followers, [---] engagements "🚨 He sent me his IUL policy to review and guess what It wasnt structured the right way. This happens WAY too often. People are putting money into something that wont give them the results they were promised. 😤 If you already have an IUL and want a second opinion send it over. Ill review it and let you know if its set up to actually work for you. 📩 DM me or comment IUL review below." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7522667533141347597) 2025-07-03T01:52Z 52.7K followers, [---] engagements "Most people think life insurance only pays out when you die but what if you live and get sick 🤒 Living benefits can give you access to your policy while you're alive especially if you're diagnosed with a chronic illness or need long-term care. 💡 If you cant perform [--] out of [--] activities of daily living (ADLs) 👌 If your policy doesn't include this we need to talk Comment LIVING BENEFITS and Ill send you info to review your policy 📲" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7522868745539210509) 2025-07-03T14:53Z 52.7K followers, [---] engagements "💡What does $1000/month really do in an IUL This isnt your average life insurance policy. 📲 Comment IUL if you want to see your numbers. #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7523054435107376397) 2025-07-04T02:53Z 52.7K followers, [----] engagements "📲 Comment below Life Insurance to make sure your family is protected like Kevin Harts mother did for her family 🕊🙏 There are two main types of life insurance: [--]. Term [--]. Permanent There are pros and cons to both of them ✍ Make sure you talk to an agent that sells both and gives you different options ☝ #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7523288601568857357) 2025-07-04T18:02Z 52.9K followers, [---] engagements "If your life insurance only pays out when you die its outdated. Modern policies come with living benefits so you can access money while youre still alive if you get sick injured or need long-term care. This isnt your grandmas life insurance. Its protection while you live. 👇 Comment LIVING BENEFITS if you want to learn how it works. #I#IULM#MoneyMovesC#CashValueLifeInsuranceL#LifeInsuranceR#RothIRAI#IndexedUniversalLifeB#BeYourOwnBankM#MoneyTipsW#WorkFromHomeI#InsuranceLicenseA#AnnuitiesExplainedF#FinanceTokL#LearnOnTikTokD#DidYouKnowF#FinancialLiteracyF#FYPF#ForYouL#LivingBenefitsF#FIA401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7523311126382120206) 2025-07-04T19:29Z 52.8K followers, [---] engagements "🏦 Lets talk about the surrender period in an IUL 👇 When can you actually touch the cash value 🤔 It all depends on how you fund it : minimum overfund or max fund 🎯 The more you put in early the faster your money becomes accessible 💰 📩 DM me IUL if you want to see how this would work for you. #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7523370988357127479) 2025-07-04T23:22Z 52.8K followers, [---] engagements "💸 The wealthy dont just work harder they use smarter tools. Ever heard of IRS code [----] Its how they grow and access money 100% tax-free. using life insurance. 👀 ⚠ If youre putting all your money in a 401(k) or savings account youre missing the play. 👇 Comment IUL and Ill show you how it could work for you. #I#IULM#MoneyMovesC#CashValueLifeInsuranceL#LifeInsuranceR#RothIRAI#IndexedUniversalLifeB#BeYourOwnBankM#MoneyTipsW#WorkFromHomeI#InsuranceLicenseA#AnnuitiesExplainedF#FinanceTokL#LearnOnTikTokD#DidYouKnowF#FinancialLiteracyF#FYPF#ForYouL#LivingBenefitsF#FIA401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7524451405877316878) 2025-07-07T21:15Z 54.8K followers, [----] engagements "I asked ChatGPT what the BEST life insurance is and you might be surprised by the answer 📝 Theres no one-size-fits-all answer 🙅♂ Depending on different factors one of the following might be the best: ✅ Term life ✅ Whole Life ✅ Indexed Universal Life ✅ Final Expense Or even a blend between multiple policies Whether you want to build cash value protect your income leave a legacy or grow tax-free wealth will determine the right policy 💪 Its not about term vs. whole life its about the strategy behind it. 💬 Comment LIFE if you want help picking the right one for you" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7524473735391317261) 2025-07-07T22:41Z 52.9K followers, [---] engagements "THE DIFFERENCE BETWEEN ALL THE CASH VALUE POLICIES 📈 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7524845425732422967) 2025-07-08T22:43Z 52.8K followers, [---] engagements "Comment below LICENSE to learn about getting this license for you 📲 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7524847026299899191) 2025-07-08T22:50Z 52.8K followers, [---] engagements "🔥 Most people dont know this but life insurance can be 100% TAX-FREE if structured right. Here are the [--] tax codes that make it possible: 📜 IRC [----] Defines how cash value grows tax-deferred 📜 IRC 101(a) Makes the death benefit tax-free 📜 IRC 72(e) Allows access to cash value tax-free (if done right) This is how the wealthy build legacy and access money without triggering taxes 💰📈 Comment TAX below and Ill send you the breakdown 📲" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7525251475811863863) 2025-07-10T00:59Z 52.9K followers, [----] engagements "🏦 $1000/mo into a PROPERLY structured IUL vs NOT PROPERLY structured IUL 👉 If you currently have an IUL and want a review if its structured correctly email me kensernaphp@gmail.com 📧 👉 If you dont have one and you want to set one up properly comment IUL below 📲 #I#IULM#MoneyMovesC#CashValueLifeInsuranceL#LifeInsuranceR#RothIRAI#IndexedUniversalLifeB#BeYourOwnBankM#MoneyTipsW#WorkFromHomeI#InsuranceLicenseA#AnnuitiesExplainedF#FinanceTokL#LearnOnTikTokD#DidYouKnowF#FinancialLiteracyF#FYPF#ForYouL#LivingBenefitsF#FIA#401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7525585452925979918) 2025-07-10T22:35Z 52.9K followers, [---] engagements "🤔 Can I borrow from an IUL more than whats in my cash value #IUL #MoneyMoves #LifeInsuranceHack #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #FinalExpense #TermLifeInsurance #BeYourOwnBank #MoneyTips #DidYouKnow #SideHustle #WorkFromHome #InsuranceLicense #Annuity #FIA" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7525943759737982263) 2025-07-11T21:46Z 52.9K followers, [----] engagements "History lesson on the 401k 📊 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7526368950481865998) 2025-07-13T01:15Z 52.9K followers, [---] engagements "🤩 The TWO components of Cash Value Life Insurance 🏦 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7527365771131997454) 2025-07-15T17:44Z 52.9K followers, [---] engagements "🚨 If the stock market could warn you before a crash would you listen 👀 Because it just did 📉 MarketWatch just released an article showing key indicators that signaled the last few recessions. Heres the crazy part most people wont move their money until its too late. 😬 Theres a strategy that protects your retirement before the crash. Its called an FIA 📲 Comment FIA below and Ill send you a quick breakdown." [TikTok Link](https://www.tiktok.com/@ken_serna/video/7527410636637097230) 2025-07-15T20:38Z 53.9K followers, [----] engagements "💰 $434 BILLION was poured into annuities last year And yet most people still think annuities are boring or outdated. 🙄 But heres the truth 👇 In [----] modern annuities are exploding in popularity because they offer: ✅ Growth tied to market indexes (without the risk) ✅ 100% principal protection from crashes ✅ Guaranteed income you cant outlive ✅ Long-term care benefits ✅ No more old-school annuitizing 📲 Comment Annuity below and Ill reach out to you directly 👍" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7527424867822619918) 2025-07-15T21:33Z 54.6K followers, [---] engagements "🏦 USING LIFE INSURANCE WHILE YOURE ALIVE 👏 There are three ways you can do that: [--]. Living benefits - this is where you can access up to 90% of your life insurance policy while you are alive if you become sick or ill (heart attack stroke cancer long term care etc.) [--]. TAX FREE policy loans - this is where you can leverage your cash value to BE YOUR OWN BANK [--]. TAX FREE retirement income - this is where you can turn your cash value into a tax free income in retirement. LIRP or Life Insurance Retirement Plan is a properly structured life insurance policy used for the purpose of retirement" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7527815535820590391) 2025-07-16T22:49Z 53K followers, [---] engagements "X-CURVE CONCEPT 📝 Insurance products protect us against the [--] most catastrophic events that can happen in our financial lives: [--] We die too soon - thats where life insurance comes into play [--] We are alive but cant work - thats where living benefits covers us [--] We live too long - Thats where the guaranteed income of annuities and tax-free income of cash value life insurance play a role #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7528189857974308151) 2025-07-17T23:01Z [--] followers, [---] engagements "🏦 IUL vs ROTH IRA 📈 Both of these products have been compared ever since they came out and were introduced in [----]. They are very different in the sense that one isnt it straight investment and the other is a life insurance policy with the cash value but they have a lot of similarities. The main ones being the cash value grow TAX FREE and you can pull out TAX FREE creating a tax-free income in retirement. [--] differences people dont know about have to do with the contribution limits and how much you put into it #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7529406753025428749) 2025-07-21T05:44Z 53.4K followers, [----] engagements "Is Your IUL Policy Structured the Right Way 🏦 I cant tell you how many times a DAY someone reaches out to me to review their IUL 📧 90% of the time if they are putting in $500/mo or more into their IUL it was structured the wrong way. Why [--]. The agent is either untrained or incompetent🤦♂ [--]. The agent wanted to double triple or even quadruple their commissions 😡 What does it mean to be structured the right way 👉Where you are putting in the Max Annual Premium every year = Guideline Level 💸 👉And in the cases you arent doing that you are at least putting in 50%-100% more than the minimum" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7529410412656299319) 2025-07-21T05:58Z 52.9K followers, [---] engagements "💼 Real Client Example: We just rolled over $250000 from an old 401(k) into a Fixed Indexed Annuity (FIA) ✅ Hes [--] and didnt want to risk another market crash ✅ His 401(k) had no protection no plan for income ✅ With an FIA he now has: Zero downside risk Tax-deferred growth Lifetime income options Legacy protection for his family If youre in your 50s or 60s and have money sitting in an old 401(k) you have options. Dont wait until the next crash to protect what youve built. 📲 DM me FIA and Ill show you exactly how this works" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7529661179153714446) 2025-07-21T22:11Z 53.6K followers, [---] engagements "Replying to @COCONUT_FIONA DO YOU HAVE TO QUALIFY FOR AN ANNUITY 📊 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7529667707457801527) 2025-07-21T22:36Z 53.1K followers, [---] engagements "Replying to @Sherry M 💬 "Can you roll over a portion of your current 401(k) and still contribute after" 🔥 If your company allows for something called an In Service Withdrawal Now dont be afraid even though its called a withdrawal its referring to transfers and roll overs which is what we would end up doing to avoid a taxable event 📈 📲 If youve got an old 401(k) sitting around or you're looking for safer growth options there are strategies that let you move a portion even while still working and contributing. Not every plan allows it but if yours does you could open up some major" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7529994345580072247) 2025-07-22T19:44Z 53K followers, [---] engagements "📲 Comment below IUL if you want to see a personalized illustration for you 📊 IUL returns are NOT guaranteed but are assumptions based on the history of that index the last [--] years 📝 💸 IUL cash value allows you to borrow against it without interrupting the growth to use for investment opportunities such as: Real Estate 🏡 College Funding for Kids 🧒 or other reasons. The most important part is making sure that its structured correctly 👆 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7530005666610547981) 2025-07-22T20:28Z 53.5K followers, [---] engagements "💡**"Are annuities full of hidden fees"** Not all annuities are created equal and some have zero fees. Lets break it down: 🔸 Variable annuities = high fees & market risk 🔸 Fixed annuities = no risk no fees 🔸 Fixed Indexed Annuities = low to NO fees + market-linked growth with zero downside risk You dont need to fear the word annuity you just need the right kind. 📩 Comment FIA INFO and Ill send you a breakdown on how it works including rider costs and options #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7530037841615736119) 2025-07-22T22:32Z 53K followers, [---] engagements "Save this reel and comment BANK below to start your own Cash Value Life Insurance Policy today 🏦 📲 There are two major pieces to leaving the NEXT GENERATION more 🧩 [--] TRUST [--] LIFE INSURANCE If you are looking to setup a trust you need to deal with an estate planning attorney 👩💼 However you dont need that before signing up for your policy. IN FACT most people do their Life Insurance first and then change their beneficiary to their trust when they set it up 👌📜 Comment BANK below if you are interested in setting your Life Insurance policy 📲 #IUL #MoneyMoves #CashValueLifeInsurance" [TikTok Link](https://www.tiktok.com/@ken_serna/video/7530436914671881527) 2025-07-24T00:21Z 53.6K followers, [---] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@ken_serna ken_serna
ken_serna posts on TikTok about insurance, life insurance, money, retirement the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.
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- [--] Year [---] +249%
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Social Influence
Social category influence finance stocks countries cryptocurrencies celebrities luxury brands technology brands automotive brands gaming fashion brands
Social topic influence insurance #953, life insurance #99, money, retirement #826, if you, inflation, investment, market, growth, he will
Top accounts mentioned or mentioned by @gmailcom @ken @happilyhughes @clairjet @walki @coconutfiona @sherry @duhmfpostman @fitnessphotographer @donoftexas @kenserna @kenrphil
Top assets mentioned PRIMERICA, INC. (PRI)
Top Social Posts
Top posts by engagements in the last [--] hours
"$81 billion has gone into annuities in the 3rd quarter of [----]. If so much money has gone into these financial products dont you think its time you look at them for yourself DM me for more information #Annuities #Crypto #401k #Investments #2023 #FinancialFreedom"
TikTok Link 2022-12-30T03:17Z 50.1K followers, [----] engagements
"ANNUITIES have dramatically changed over the years 💸 📊 There are a lot of really cool benefits that people dont know about. Growth safety tax deferral and avoiding probate are just a few 🤩#Investments #Crypto #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #RealEstate #401k #Annuities"
TikTok Link 2023-01-13T01:42Z 52.9K followers, [----] engagements
"ANNUITIES may be coming to your Fidelity 401(k)📊Its no surprise. More and more people are looking to have guaranteed income in retirement. Smart move by Fidelity on their part. If they are the #1 provider of 401(k)s in America and they are doing this shouldnt you with your own money 🤔"
TikTok Link 2023-01-14T20:18Z 54.9K followers, [----] engagements
"🏦 IUL vs ANNUITY 📊. One of the biggest questions that I get. With the IUL you are contributing after tax dollars and getting the following benefits: tax free growth and distribution ability to loan while gaining uninterrupted compound interest death benefit protection and guaranteed income for life. In the annuity its typically after tax dollars and you are getting the following benefits: growth potential without risk of market loss avoidance of probate and guaranteed income for life. Both are valuable tools for every financial portfolio #Investments #Crypto #LifeInsurance #Roth #NewYear"
TikTok Link 2023-02-16T21:19Z 52.1K followers, [----] engagements
"TIRED OF LOSING MONEY😩💰 FIAs are able to give you protection against market loss while still growing your money. Most people dont have enough saved in retirement where they can afford to put it in the bank and NOT GROW. However they dont have enough where they can afford to lose in the market. The best part is you can turn it into a guaranteed income when you retire that you cant outlive 💸👵👴 #Investments #Crypto #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL"
TikTok Link 2023-02-17T00:22Z 52.2K followers, [----] engagements
"IRA OR FIA 📉 Many people have a 401k from a previous employer and they dont know what to do with it. Now there isnt a place thats right for every person out there. Your age risk tolerance time horizon and other factors go into finding the proper solution. Having said that almost every financial portfolio can benefit from an indexed annuity. #Investments #StockMarket #InfiniteBanking #BeYourOwnBank #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL"
TikTok Link 2023-02-23T05:40Z 52.9K followers, [----] engagements
"🏦 ROLLOVER 401K TO IUL 🤔 With 401k balances being down 20% in the last year more and more people are looking for their options and they inevitably ask this question. The answer is no but the idea is right. Instead look at rolling it over into an FIA or another qualified plan so that you dont incur a penalty or pay high upfront taxes #Investments #Bank #Savings #Stocks #MarketLoss #Taxes #401krollover #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #InfiniteBanking #BeYourOwnBank"
TikTok Link 2023-02-26T04:05Z 50.1K followers, [----] engagements
"🏦WHOLE LIFE VS IUL - Which one is better 🧐 The reality is that they both are great policies. Whole life is the original IBC policy that was used. IUL is more new school. Anytime something new comes out youll have the old school community hate on the new school group and vice versa. Most IUL guys dont know how properly structured Whole Life policies really work and most Whole Life guys dont know how properly structured IULs work. I think if they did they would both have more appreciation of each other. At the end of the day find a good agent that can give you the pros and cons of both and"
TikTok Link 2023-03-21T19:03Z 54.7K followers, [----] engagements
"💸 KEY MAN INSURANCE 🗝 This a very popular way that business owners utilize life insurance differently than other people. If you run a company where one or more individuals are extremely valuable to the success of that company this is something you should strongly consider. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-03-23T01:12Z 51.8K followers, [----] engagements
"🚨IUL MISCONCEPTIONS 🤷♂There are definitely more than these but these are the most common. Keep in mind just because you arent doing INFINITE BANKING 🏦 doesnt mean you shouldnt have an IUL. There are so many different ways to structure an IUL. The best way is to put a set amount away for 20-30 years and treat it like a 401k or other retirement account. Your returns arent guaranteed but over the last [--] years most companies show an average of just over 6%. When you combine that with being able to take out money tax free and even get a guaranteed income for life in retirement its definitely a"
TikTok Link 2023-03-25T22:55Z 53.6K followers, [---] engagements
"🚨 IUL VS ROTH 🏦 Did you know the Roth IRA was introduced in [----] as part of the Taxpayer Relief Act Interestingly enough the IUL was introduced in that same time frame. The difference is that most people are JUST NOW finding out about the IUL. Why is that Because only a properly educated insurance agent that that knows how it works will usually sell it to you. Either way its good to have both. If you already have a Roth IRA look into getting the IUL #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings"
TikTok Link 2023-04-04T21:27Z 51.9K followers, [----] engagements
"🏦 FINANCIAL TOOL 💸 Life Insurance is just that. Its a tool that can help accomplish a lot of goals. Death benefit protection probate avoidance tax free growth and distribution income in retirement upside of the market and no downside. However there is a downside: you have to QUALIFY and its NOT for everyone Please talk to an experienced insurance broker who can help you setup the right policy for you. And not someone that is going to send you a video to watch and click a link but one where you can talk to a real person 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom"
TikTok Link 2023-04-26T19:01Z 54.6K followers, [---] engagements
"🏦 WHAT IS THE BEST IUL 🧐 This is by far the most common question I get about IULs. Its a hard answer for a few reasons. First there are many great companies out there. Most agents will lead you to believe otherwise stating THEIRS is the best one because of this or that. Thats just them being a sales person. The second reason is because it also depends on YOU. Your health background coverage amount premium etc. One company may be best for one person and another for someone else. Thats why you want to talk to someone knowledgable that can help you identify which is the best suited for you"
TikTok Link 2023-04-28T03:40Z 51K followers, [----] engagements
"🏦 #1 SIDE HUSTLE - LIFE INSURANCE INDUSTRY 🚨And its not for the reason you think. Yes the money is great. But whats money if you are the same person What if I told you that outside of the money you would learn according to Patrick Bet-David himself the [--] most valuable skills to have in 2023: Sales Negotiation/Persuasion Human Nature & Money. I can write an essay about how you learn these skills in the industry. Ive had people come through for [--] days and learn more than some of their business classes in college. With all of that being said its an industry that requires work willingness to"
TikTok Link 2023-04-28T21:28Z 54.8K followers, [----] engagements
"💸LIFE INSURANCE AT WORK 🏦 This is one thing that almost all insurance agents can agree on: life insurance at your job CAN be beneficial but you should ALWAYS have one outside of your job. Ive seen some good policies but they are less common than the bad ones. A lot of people have stipulations in their life insurance at their job so it only covers certain things and it will expire when you leave your employer. You run the risk of not being healthy in the future and needing to apply for life insurance only to get declined because of your health. Please consult with a life insurance agent if"
TikTok Link 2023-05-19T19:40Z 54.5K followers, [---] engagements
"🤩 THE POWER OF THE IUL 🏦 Imagine putting money away for only [--] years and being able to fully retire with more income than most people ever do All the while being protected against market loss having life insurance coverage to leave a legacy to your family and having living benefits incase of a sickness or illness Do you know another account that has all of these benefits DISCLAIMER: Every persons situation is different. This is not a recommendation but an illustration of what these policies can do and what they are designed to do. Please consult a properly trained life insurance agent that"
TikTok Link 2023-07-26T03:03Z 40K followers, 11.5K engagements
"💸 MAKE AN EXTRA $25K IN THE SUMMER ☀Getting an insurance license is one of the best ways to create a secondary stream of income. DISCLAIMER: If you are just looking to make money regardless of what you have to do and are willing to do whatever it takes to make money DO NOT APPLY. Being a good life insurance agent requires you to be patient not pushy it requires you to be upfront and honest with everyone you deal with it requires you to be more of an educator and helper instead of a closer. It requires you to be someone that people can trust will be honest with them and tell them how"
TikTok Link 2023-06-02T17:34Z 40K followers, [----] engagements
"😫IULS HAVE HIGH FEES 🏦 This is one of the most common things I head people say about IULs. You can look through my comments and see people from financial advisors and some that are just trolls and haters. My first response to all of them is can you please explain what these fees are with percentages and dollar amounts. Use facts to back up your argument. Do you know what I hear after 🦗. None of them actually knows how they work they are just basing it on what Dave Ramsey said or one of their friends. Go look at my comments you wont see one person respond with them because they dont know"
TikTok Link 2023-06-06T19:55Z 52.2K followers, [---] engagements
"💸WHY TO GET YOUR INSURANCE LICENSE 📜 Insurance is tied to so many other industries: investments taxes estate planning retirement etc. By getting into the life insurance industry you expand your knowledge. But even better than all of that you develop the #1 skillset of all: SALES. Sales skills communication persuasion etc. If you are looking to develop these skills get your insurance license #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-07-13T12:48Z 40K followers, [----] engagements
"🏦 THE NEXT GENERATION 💸Powerful message about passing down the principles of money to the next generation at a young age. This is the reason why I tell people to get an IUL for their kids but NOT for college. If they graduate HS and want go to college thats on them. They pay their way and work during school. But imagine having your kids pay for their IUL for a few years once they have a job to build the habit of paying towards their future. When they graduate and get a job or whatever their goal is you gift them the IUL with $50k or $100k or even more as a future investment account with"
TikTok Link 2023-06-20T16:47Z 52K followers, [----] engagements
"💸 401K FEES 🤷♂Many Americans have a 401k for the wrong reasons. They do it because thats what we are all told to do and because our employer offers it. They dont look into how much they are matching and if they are putting in that amount. And if thats not enough they DEFINITELY arent looking to see how the fees work in those accounts or many others. This is a big reason people are putting money into FIAs. Because your money isnt actually in the market you arent paying a management fee. The fee you pay is essentially the commissions for the money manager at Wall Street to manage the fund you"
TikTok Link 2023-06-30T23:52Z 40K followers, [---] engagements
"🏦 [--] FIGURE TAX FREE RETIREMENT 💸 Imagine setting money aside every month into ONE place that will produce you a $100k tax free income every single year your entire life. That's the power of the IUL: Indexed Universal Life. There are no contribution limits like the ROTH IRA. It grows without capital gains tax and you can pull it out without paying income tax. There is no risk in the market and get get "market like" returns. You are covered for life insurance and full living benefits: terminal illness chronic illness critical injury and critical illness. If you are diagnosed with any of the"
TikTok Link 2023-07-05T03:49Z 40K followers, [----] engagements
"🏦 INFINITE BANKING CONCEPT 💰Most things in the insurance industry take about 20-25 years to become popular for many reasons. We are coming on [--] years this book was published and with a combination of millennials and social media its becoming very popular right now. The concept however has been around for years. With the trust in banking system at all time low and over [---] banks going under since [----] people have been looking for alternatives to the banking system at a higher rate than ever before. Imagine a place that you can get a loan without ever having to access your principle. Your"
TikTok Link 2023-07-11T00:47Z 53.6K followers, [---] engagements
"🚨 401K FEES 🧾 This is something that isnt talked about enough. FEES inside of your retirement account. There are many places that you can pay very low fees unfortunately a lot of people have their money in accounts that are littered with fees. One of the biggest selling points to FIAs is that many of them dont have ANY fees at all. Literally 0%. I know that sounds crazy because if you were taught how I was taught coming up in the investment world everything has a fee. Especially places that your money can grow. Also we were taught that anything that can grow will also have risk. So to have"
TikTok Link 2023-07-11T14:23Z 54.5K followers, 11K engagements
"🏦401K v ROTH v IUL 🧐This is a question that I get a lot of times. An my simple answer is there is no product thats simply BETTER than all of them if just comes down to what you are trying to accomplish and your individual situation. However if your plan is to have tax free growth life insurance with living benefits ability to take policy loans tax free and the highest income stream in retirement many times the IUL comes out on top. Is this the case in every situation NO. Your situation makes all the difference. Is it ideal to have all [--] YES if you can. Make sure you talk to an agent that"
TikTok Link 2023-07-13T05:13Z 40K followers, [----] engagements
"💸ROCKEFELLER FAMILY BANK 🏦 This is how the Rockefeller family today is worth over $10B where many wealthy familys fortune in the past were completely gone. Step 1: purchase a life insurance policy. Step 2: Open up a trust and name your trust the beneficiary of your life insurance policy. Step 3: Stipulate in your trust that the death benefit of your life insurance will purchase a permanent life insurance policy on the names of your beneficiaries and name their beneficiary the trust. This way they can borrow against their policy if they need money but that money will purchase even more money"
TikTok Link 2023-07-14T01:58Z 54.6K followers, [----] engagements
"📜WILL VS LIVING TRUST 🏦 These are legal documents that many of us have heard of. Im not an estate planning lawyer however many of my clients have names their living trust the beneficiary on their life insurance policy. Having both will ensure that you are setting up your Next Generation better off than you are. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-07-15T02:39Z 40K followers, [----] engagements
"🤩ITS NEVER TOO LATE BUT START EARLY. 💸 Here is a similar example with someone older. At [--] years old $18k per year for [--] years ($180k) would yield to $70k tax free in retirement for life. At [--] years old its still doable but its more like $30k a year for [--] years. Thats $600k invested instead of $180k invested. And NO this isnt a MINIMUM and of course not everyone can afford this. However this is just an example to show that you are able to do this if you are behind. There are many people that think its too late and instead of putting SOMETHING away they just procrastinate until its too"
TikTok Link 2023-08-02T08:28Z 40K followers, [----] engagements
"🏦 [--] THINGS TO CONSIDER BEFORE GETTING AN ANNUITY💸 [--]. Type of annuity [--]. Time horizon [--]. Indexed or growth focused. When dealing with indexed annuities the most popular right now they already have a guarantee against loss. So your main question is: Do I care about how big my account value is or do I care what will be my monthly retirement check These factors as well as your financial situation job status and living situation may also be a factor in making sure that the annuity is right for you. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy"
TikTok Link 2023-07-19T22:15Z 40K followers, [---] engagements
"🚨 IUL VS ROTH 🏦 Did you know the Roth IRA was introduced in [----] as part of the Taxpayer Relief Act Interestingly enough the IUL was introduced in that same time frame. The difference is that most people are JUST NOW finding out about the IUL. Why is that Because only a properly educated insurance agent that that knows how it works will usually sell it to you. Either way its good to have both. If you already have a Roth IRA look into getting the IUL #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings"
TikTok Link 2023-07-21T18:15Z 40K followers, [----] engagements
"👎COST OF INSURANCE EATS AWAY AT CASH VALUE 😳 This one is pretty funny because as soon as someone mentions it I know immediately they dont know what they are talking about. By the way I could have ran this illustration with an even lower premium and stopped after [--] years and it wouldnt have been eaten up. The problem is that most people are so committed to their opinion than when there are clear cut facts to dispute it their confirmation bias kicks in and only remembers those facts than confirm their own stance. Anyway hope this helps #Kenny #Investments #Banks #LifeInsurance #Roth #NewYear"
TikTok Link 2023-08-01T18:56Z 40K followers, [---] engagements
"📊PROPERLY STRUCTURED IUL 🏦 I have people all the time come up to me and ask This agent sold me this policy how do I know if its structured the right way Now at least 50% of the time although the agent didnt structure it the right way you can change the current policy to make it structured the right way. In that case I dont just replace the policy to make the sale. Ask many people that have commented on my videos I tell them to keep their policy a lot more often than not. But in the cases that it cant be changed or the agent was just trying to make the biggest commission there may be a"
TikTok Link 2023-08-04T09:57Z [--] followers, [---] engagements
"📈401K LOANS VS IUL LOANS 🏦 This is a common question. Usually loans from your 401k are recommended as youre pulling money from earning interest and there is usually a high fee for the loan in addition to needing to pay it back in a timely matter. IUL loans are actually designed for you to leverage them to make more money. You are essentially using the same money twice. And you can invest it somewhere else and make more #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation"
TikTok Link 2023-08-16T22:44Z 53K followers, [----] engagements
"🏦 GENERATIONAL WEALTH 📜Its important to study what some families did to continue the wealth generation after generation. Some people say They are lucky they were given money or their family had money however the stats show that most people blow anything that was given to them. Its harder to keep the money in your family than it is to spend it all. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-08-21T14:32Z 40K followers, [----] engagements
"📊 WHAT IS AN ANNUITY 💰 This is the most popular place for people to roll over their old 401ks IRS or money they have in the bank. Annuities are sold by life insurance companies so they offer benefits that traditional investments cannot offer. Make sure you speak to someone that knows the different kinds and can properly educate you on all of your options #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-08-23T20:17Z 54.4K followers, [---] engagements
"🚨 IUL VS ROTH 🏦 Did you know the Roth IRA was introduced in [----] as part of the Taxpayer Relief Act Interestingly enough the IUL was introduced in that same time frame. The difference is that most people are JUST NOW finding out about the IUL. Why is that Because only a properly educated insurance agent that that knows how it works will usually sell it to you. Either way its good to have both. If you already have a Roth IRA look into getting the IUL #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings"
TikTok Link 2023-08-24T21:21Z 52K followers, [----] engagements
"📊PROPERLY STRUCTURED IUL 🏦 I have people all the time come up to me and ask This agent sold me this policy how do I know if its structured the right way Now at least 50% of the time although the agent didnt structure it the right way you can change the current policy to make it structured the right way. In that case I dont just replace the policy to make the sale. Ask many people that have commented on my videos I tell them to keep their policy a lot more often than not. But in the cases that it cant be changed or the agent was just trying to make the biggest commission there may be a"
TikTok Link 2023-08-29T20:37Z 40K followers, [----] engagements
"🤝SALES = TRADING SKILLSET FOR MONEY💰Most are taught to trade time for money. Work [--] hours a week in exchange for a pay check. The only way to make more is to work more hours. In sales you determine your income because you are trading your skillset and efficiency for money. So you can earn more in one week that what you make in a month or [--] months or even a year. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #SideHustle #MakeMoney"
TikTok Link 2023-09-01T04:06Z 40K followers, [---] engagements
"🏦 $100/WK INTO AN IUL 📆 Some people wanted to see what it would look like with a more realistic number. Now a $100 can purchase more life insurance if you would like or you can max fund it like in this example. So many people waste $100 a week. Imagine if that was coming out of your account every week instead into a vehicle that gave you a life insurance protection tax free growth ability to loan yourself money while your principle is still growing and give you an income of $45k per year in retirement 🤯#Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth"
TikTok Link 2023-09-05T19:15Z 40K followers, [----] engagements
"📊3 QUESTIONS TO KNOW IF AN FIA IS RIGHT FOR YOU 🙋♂ Market protection higher growth than banks and income that you will never outlive. If these questions meet your needs with money you have in an old 401k IRA or money sitting in the bank you need to seriously consider an FIA. Make sure you talk to someone that understands how they work and is a broker for many companies. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-09-08T01:51Z [--] followers, [----] engagements
"💰3 WAY LIFE INSURANCE IS CRUCIAL FOR GENERATIONAL WEALTH 🏦 [--]. Death benefit [--]. Estate taxes [--]. Cash value life insurance and trusts. These are [--] ways that life insurance is an important part of the wealth building process. The only way that you can leave your family with hundreds of thousands or millions of dollars without having that much in assets is by having a life insurance policy #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-09-09T00:56Z 40K followers, [----] engagements
"👎OLD LIFE INSURANCE VS NEW 🤩Outside of knowing the difference between term and permanent this is probably the next biggest thing you need to know when it comes to buying life insurance. In the next 5-10 years it will be extremely common but there are still many companies and policies out there that arent offering living benefits. Make sure that your policy has them #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-09-13T22:23Z 52.7K followers, [---] engagements
"🏦 MILLION DOLLAR TERM 📜I believe that almost every single person should get a $1M term policy. There are so many benefits of having one. From the living benefits converting to IUL later and locking in health rating and of course leaving a sizable death benefit to your beneficiaries. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-09-14T21:46Z 54.5K followers, [---] engagements
"Do you have an old 401k Here are your [--] options on what you can do with your 401k when you leave your job #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-10-03T00:52Z 54.5K followers, 20.1K engagements
"#stitch with @happilyhughes If you have investment accounts like old 401ks or IRAs and you want to make sure that money goes directly to your beneficiary without probate and dealing with lawyers look into rolling that money into an annuity. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-10-03T19:41Z [--] followers, [---] engagements
"Here are [--] reasons that you should consider getting into the life insurance industry #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #Crypto #SideHustle #MakeMoney #2024 #CareerChange #LifeInsuranceLicense #Money"
TikTok Link 2023-10-11T16:53Z 40K followers, [----] engagements
"If you plan to be rich you want to learn how to properly Structure an IUL policy 💪 #Investments #Banks #Lifelnsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #UL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-10-12T18:31Z 40K followers, [---] engagements
"Heres what it looks like to properly structure an IUL vs not 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-10-13T23:30Z 40K followers, [---] engagements
"Heres what it looks like to properly structure an IUL vs not 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2023-10-13T23:30Z [--] followers, [---] engagements
"Comment Bank below to start your IUL This is what we call becoming your own bank You leverage a life insurance policy to give you the liquidity and safety of a bank while compounding your money at higher interest rates tax free. This example shows a [--] year old client that set aside $1000 month into their Index Universal Life Insurance policy. All along the way their money is liquid to use for outside opportunities. In [--] years theyll have accumulated $260000 of tax free cash value. In [--] years theyll have accumulated $420000 of tax free cash value. By retirement age [--] theyll have"
TikTok Link 2023-10-19T04:15Z 40K followers, 11K engagements
"Comment Bank below to start your IUL The above example is a [--] year old opening up an Index Universal Life (IUL) policy. He is going to put away $1500 a month till he is age [--]. By doing this he can leverage the IUL by borrowing the cash for businesses investments real estate and other income producing assets. Hes the bank. Hes the lender and the borrower. And now hes earning compound interest in the policy while also making money outside of the policy from funds he took from the policy The IUL gives him the ability to get uninterrupted compound interest🔥 His money is growing tax free and he"
TikTok Link 2023-10-23T19:39Z 51.4K followers, [----] engagements
"Comment Bank below or go to the LINK in my bio to start your IUL 👉In this client scenario this is a [--] year old male with a standard rating. He is putting away $750 a month into a Max Funded IUL till [--] years old. 💰 👉 He will immediately have a death benefit of $179k which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.42%. This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 👉He will have cash value liquid available for loans AFTER his first year. He will have"
TikTok Link 2023-11-02T04:09Z 54.8K followers, 31.5K engagements
"Comment BANK below to learn how 👉The term Infinite Banking or Be Your Own Bank refers to using a permanent life insurance policy (Whole Life or Index Universal Life) instead of your bank for loans and investment purposes. 👉If you have money in the bank its growing at 0.05% return. If you get a loan from the bank they will charge you 10% or more. 👉If you have $100000 in your IUL cash value you can take a loan of $80000. They arent loaning your OWN money to you but instead giving you a policy loan directly from the life insurance company. They will charge you a 5% interest rate (based on"
TikTok Link 2023-11-12T00:21Z 40K followers, [--] engagements
"🏦 IUL vs Annuities📊 This is a question that comes up a lot since both of these have a lot of similarities. Especially the FIA (fixed indexed annuities) 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"
TikTok Link 2023-11-25T06:53Z 52K followers, [----] engagements
"🤔 When can I access my cash value in an IUL This is a VERY common question so let me explain and give you a BETTER question to ask: 👉 If you are putting the minimum or TARGET premium depending on the company it will take around 3-5 years to access any cash value. You have cash value from day one but ACCESS to that cash wont be for a few years and access to SIGNIFICANT cash value might not be for 7-8 years. 👉 If you are MAX FUNDING an IUL you have access to cash in year [--] and significant cash after year 3-4. Again depends on carrier and product this is just average. But the real question"
TikTok Link 2023-12-27T17:24Z 52.9K followers, [----] engagements
"📊 Ernst & Young recently did a study about using Permanent Life Insurance and Deferred Income Annuities in respects to creating retirement income 💸 They found that not only can they both be extremely beneficial but in almost all of their scenarios someone's retirement income would be higher by incorporating them in ADDITION to their investments would be a smart strategy 👏 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank"
TikTok Link 2023-12-29T00:27Z 52.1K followers, [----] engagements
"🤔 What is a rider on a life insurance policy Its an additional benefit that you pay for to add some extra feature that doesnt come with the base policy. Three of them that I recommend looking into or adding to your policy are: [--]. Living benefits rider [--]. Waiver of premium [--]. Childrens term There are many others that can be beneficial depending on your needs and the company. Ask your agent for more info #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank"
TikTok Link 2023-12-29T19:51Z 51.9K followers, [----] engagements
"🏦 $500 per paycheck into a Max Funded IUL 👆 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank"
TikTok Link 2023-12-31T06:12Z 42K followers, [----] engagements
"Can I roll over my 401k into an IUL 🏦 This is a common question. The answer is simple: NO In order to do so you would need to cash out and pay the taxes. Instead you can roll it over to an IRA or an FIA 📊 An FIA provides benefits that you cant get in the market: [--]. Growth [--]. Principle protection [--]. Lifetime income stream [--]. Death benefit Make sure to consult a properly trained insurance broker that can go over the details of how it works and whether there one is right for you #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k"
TikTok Link 2024-01-13T04:49Z 54.8K followers, [----] engagements
"Create a GENERATIONAL WEALTH using life insurance & trusts 🏦👨👩👧👦 👉 The most important step of all of these is setting up your life insurance properly. 👉 You DONT have to have the trust in force when you get your policy. Most of my clients have the life insurance policy FIRST. 👉 You can do TERM or PERMANENT (IUL or WL) for the life insurance. 👉 Term allows the death benefit to be paid to the trust to continue the generational wealth pass down 👉 However permanent life insurance allows you to BORROW AGAINST your policy to create your own bank. 👉 Make sure to reach out to an agent that"
TikTok Link 2024-01-14T02:57Z 52K followers, [----] engagements
"🤑RICH PERSONS ROTH 🏦 Both the IUL and Roth IRA came out in [----] so they typically get compared a lot. 🪞 Keep in mind the IUL is a life insurance policy WITH a cash value attached to it. 👩💼 A Roth IRA is a traditional investment in the stock market. 📉 But they both grow your money TAX FREE and you can pull your money out TAX FREE 💸 However if you make over $161k or you want to contribute more than $7k a year you CANNOT get a Roth IRA. ❌ This is where the IUL comes in and can help you contribute large sums of money and/or contribute normal amounts of money but doesnt limit you if you"
TikTok Link 2024-01-30T22:53Z 51.8K followers, [----] engagements
"Can I roll over my 401k into an IUL 🏦 This is a common question. The answer is simple: NO In order to do so you would need to cash out and pay the taxes. Instead you can roll it over to an IRA or an FIA 📊 An FIA provides benefits that you cant get in the market: [--]. Growth [--]. Principle protection [--]. Lifetime income stream [--]. Death benefit Make sure to consult a properly trained insurance broker that can go over the details of how it works and whether there one is right for you **DIsclaimer: I am not a financial advisor or a fiduciary. Do not take a [--] second video as financial advice. You"
TikTok Link 2024-01-31T22:29Z 54.8K followers, [----] engagements
"Can I borrow against my current life insurance policy 💸 This questions comes up a lot when people see my reels or those reels online about people pulling money out of their life insurance 📲 You can only pull from PERMANENT life insurance not TERM. 👆 Secondly you can only borrow against the SURRENDER VALUE of the policy 📊 This is where structuring the policy correctly comes in. If structured correctly and FUNDED correctly you can access money after the first year and significant money after 3-4 years ✅ If not you cant access any money for 4-5 years and significant money after 10-15 years."
TikTok Link 2024-02-01T03:40Z 54.5K followers, [----] engagements
"💲HOW MUCH DOES IT COST TO SETUP AN IUL 🏦 People ask me all the time How much is it for consultation or How much do you charge to set it up question🤔 I thought that because maybe they just assumed it cost money. Then I found out other people online are actually CHARGING people to meet with them for a consultation or to give them advice 🤦♂ I guess if you wanted to pay for a course on how to learn all about the IUL as an agent maybe But to have a client pay you to talk about the IUL on top of the commissions you are already going to make Thats ridiculous #Investments #Banks #LifeInsurance"
TikTok Link 2024-02-07T23:25Z 51.8K followers, [----] engagements
"🤑ROTH IRA VS IUL 🏦 Both the IUL and Roth IRA came out in [----] so they typically get compared a lot. 🪞 Keep in mind the IUL is a life insurance policy WITH a cash value attached to it. 👩💼 A Roth IRA is a traditional investment in the stock market. 📉 But they both grow your money TAX FREE and you can pull your money out TAX FREE 💸 However if you make over $161k or you want to contribute more than $7k a year you CANNOT get a Roth IRA. ❌ This is where the IUL comes in and can help you contribute large sums of money and/or contribute normal amounts of money but doesnt limit you if you make"
TikTok Link 2024-02-10T23:08Z 51.8K followers, [----] engagements
"LUMP SUM INTO IUL 💰 Usually when people have a lump sum and they want to put that money into an IUL Ill usually recommend a couple things: [--]. Depending on the amount spread that over a span of 5-7 years. Sometimes less or more but it will give you a better cash value growth because you can lower the death benefit. 👍 [--]. Add additional premiums after the lump sum. The IUL isnt the best ONE TIME lump sum product. Its better to lump sum and then add additional premiums afterwards. 👏 Again many situations are different and recommendations are based on many factors as well 👆 #Investments #Banks"
TikTok Link 2024-02-15T21:23Z 54.9K followers, [----] engagements
"🏦 IUL vs Whole Life 💸 Both of these products get compared a lot because they are both used to accumulate wealth tax free inside of life insurance. Whole Life was the original version of this IUL is more new school Both can help you accomplish goals to Be Your Own Bank and setting up a LIPR Life Insurance Retirement Plan. I prefer IUL because of a few reason: 👉 Flexible premiums 👉 Higher long term average interest rates 👉 Ability to overfund without increasing death benefit and cost 👉 Ability to have increasing death benefit allowing your cash value to pass to your beneficiary along with"
TikTok Link 2024-02-20T06:14Z 52K followers, [----] engagements
"💸MONEY MATTERS 🙌 Come join us to learn about financial strategies using life insurance and annuities that wealthy use to build generational wealth #Dallas #Money #Success #GenerationalWealth #Frisco #Plano #Lifelnsurance #Stocks #Crypto #Retirement Comment or DM attend 📲 RSVP TODAY. Limited Seating Comment or DM attend 📲 RSVP TODAY. Limited Seating"
TikTok Link 2024-03-11T16:12Z 53.6K followers, 18.2K engagements
"📜 FINAL EXPENSE 💰 This is the most common type of life insurance for older clients who just want something to cover burial costs ($10k - $50k) The reason is that they arent going to get a preferred rating with a fully underwritten policy they dont have to do a medical exam and they get approved within [--] hours if not sooner. Its a great option for older clients wanting to not leave the burden on their family if they pass or kids who are going to be the main ones responsible for taking care of those costs. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom"
TikTok Link 2024-03-15T20:50Z 54.4K followers, [----] engagements
"🏦 IUL INTEREST 📊 There are two most common ways that IULs earn interest inside of the cash value [--]. Floor & Cap [--]. Participation Rate From there depending on the index that you choose you will earn an interest each year (or time frame) inside of your IUL. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2024-03-21T23:02Z 51.5K followers, [---] engagements
"ANNUAL RENEWABLE TERM - PROS & CONS ⚖ ART or Annual Renewable Term is a type of life insurance that many people are not aware of. Its a term policy so it has an expiration but its different than a traditional term. Typical term is what we call level term. Meaning the premium is level the entire term period whether thats [----] or [--] years. ART starts the lowest but goes up every year. It starts the lowest so its going to be the cheapest in the beginning and most expensive in the 10th year. This is good for clients who have very troubling health and even a [--] year term option is very expensive."
TikTok Link 2024-04-02T22:38Z 52K followers, [---] engagements
"401k vs IUL loans 🏦 This is one of the common questions that comes up Are IUL loans like 401k loans They have some similarities but there is ONE big difference. This difference is the reason why 401k loans are generally recommended against and IUL loans are generally recommended in favor of. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #RothIRA"
TikTok Link 2024-04-06T00:29Z 54.8K followers, [----] engagements
"Life insurance underwriting guide 📝 Many companies dont require a medical exam anymore but they check your medical records and they compare it to their underwriting guide. EVERY COMPANYS guide is similar but its not exactly the same. There are some conditions that are decline with one company but approval with another carrier. Thats why it helps working with an agent thats a broker with many carriers so they can find the best policy and setup for you and your situation. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL"
TikTok Link 2024-04-11T22:20Z 51.8K followers, [---] engagements
"Comment FIA below to learn how [--] Reasons To Roll Over Your Old 401k Into A Fixed Indexed Annuity 📈 [--]. Principle protection [--]. Probate avoidance [--]. Lower fees [--]. Guaranteed income stream in retirement #Dallas #Money #Success #GenerationalWealth #Frisco #Plano #LifeInsurance #Stocks #Crypto #Retirement #401k #IRA #RothIRA #403b #SocialSecurity #Pensions #Retirement #Annuities"
TikTok Link 2024-04-14T18:46Z 52.1K followers, [----] engagements
"GUARANTEED FOR LIFE 💸 This is one of the best features of insurance products. Annuities have always had these features and now some life insurance companies have them as well. But whenever you hear this term it means that CONTRACTUALLY the insurance company will keep paying you that payment FOR LIFE Just like a PENSION Just like SOCIAL SECURITY #Dallas #Money #Success #GenerationalWealth #Frisco #Plano #LifeInsurance #Stocks #Crypto #Retirement #401k #IRA #RothIRA #403b #SocialSecurity #Pensions #Retirement #Annuities"
TikTok Link 2024-04-15T20:39Z 54.6K followers, [----] engagements
"IUL vs a Max Funded IUL 🏦 They are the same product and the same contract but just utilized differently. Technically every IUL can be Max Funded however not all are and not all are structured to be Max Funded the right way 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #WholeLife #TermInsurance #VUL"
TikTok Link 2024-04-19T04:43Z 51.9K followers, [----] engagements
"Comment INDEX to start today Many people ask me how is it possible to get a good rate of return WITHOUT risking in the market 📉 Usually its either low risk and low return or high risk and high return. Its because INDEXING is a feature only available in insurance products 🏆 Insurance companies make their money from the cost of insurance and mortality risks . Because of that they can give you a higher return on your money 💰 Essentially in return for giving up some of the gains in the market they will take responsibility for all of the losses ❌ Its a great tradeoff 👏 #Investments #Banks"
TikTok Link 2024-04-23T18:39Z 54.5K followers, [----] engagements
"🏦 IUL vs ROTH 📈 both of these products have been compared ever since they came out and were introduced in [----]. They are very different in the sense that one isnt it straight investment and the other is a life insurance policy with the cash value but they have a lot of similarities. The main ones being the cash value grow TAX FREE and you can pull out TAX FREE creating a tax-free income in retirement. [--] differences people dont know about have to do with the contribution limits and how much you put into it #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom"
TikTok Link 2024-04-26T04:11Z 51.8K followers, [----] engagements
"🚨 BAD REPUTATION 🚨 One of the biggest reasons insurance agents have a bad reputation is not because of what they SAY but what they DONT SAY. This means that sometimes clients will assume things and as a good agent you need to know that and correct that thought. Some agents think because they didnt say anything bad they didnt do anything wrong. But if you dont proactively correct their assumptions then thats just as bad as saying something misleading. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings"
TikTok Link 2024-05-03T00:55Z 51.9K followers, [----] engagements
"Which IUL will have more money 🧐 The $1M IUL or the $250k IUL putting in the same premium 💰 95% of the time clients tell me the BIGGER IUL because in their mind the bigger one will produce a BIGGER cash value 😬 But its exactly opposite 😳 The smaller one will because less money is paying for the life insurance policy and more is going into the cash value Once you understand this you understand how structuring an IUL with minimum death benefit with max cash value works #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL"
TikTok Link 2024-05-08T21:52Z 52K followers, [----] engagements
"Guaranteed Income Stream 💸 What does this mean This means that the insurance company whether its a permanent life insurance policy or annuity is CONTRACTUALLY guaranteeing that they will pay you for the rest of your life. That means if you have $1M as an example and they are paying you $60k a year for life. Well in just over [--] years they would have paid you all of the $1M that you had in there in the first place. BUTif you are still ALIVE they will keep paying that $60k a year for as long as you live. What if you live for another [--] years They will pay you $1.2M MORE than you had in the"
TikTok Link 2024-05-19T21:42Z 52.1K followers, [----] engagements
"Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2024-05-21T22:26Z 45.4K followers, [----] engagements
"Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2024-05-22T23:29Z 45.4K followers, [----] engagements
"Borrowing against your life insurance policyheres how it works 📝 #I#InvestmentsB#BanksL#LifeInsuranceR#RothN#NewYearF#FinancialFreedomG#GenerationalWealthL#LegacyA#AnnuityI#IRA4#401kI#IULC#CDsS#SavingsI#InterestRatesI#InflationB#BeYourOwnBankInfiniteBanking"
TikTok Link 2024-05-24T05:09Z 45.5K followers, [----] engagements
"Comment IUL below to learn how 👉 In this client scenario this is [--] year old male putting away $600 per month or $7200 a year until he is [--] years old. 💰 👉 He will immediately have a death benefit of $203k which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.42%. This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 👉He will have $83k available for loans after [--] years and about $1380000 at the age of [--] years old. 💪 👉If he choose to he can trigger an income"
TikTok Link 2024-05-24T05:56Z 45.5K followers, [----] engagements
"Comment below Bank to start DISCLAIMER: Make sure you talk to an agent that is a broker for many companies and sells all types of life insurance 🤝 This will ensure that they can offer you different options as well as that they will EDUCATE you on how the different types of policies work 👨🏫 Although permanent cash value life insurance (whole life and IUL) have amazing benefits dont just go to an agent that will sell you an IUL just to sell you one without making sure that its right for you. Every persons financial situation and needs are different. There isnt a one size fits all policy out"
TikTok Link 2024-05-25T23:31Z 45.7K followers, 15.6K engagements
"🏦 LIRP - Life Insurance Retirement Plan 💸 A LIRP is a permanent cash value life insurance policy thats structured in a way to use for retirement income. There are benefits such as: [--]. Tax free growth and tax free income in retirement 📊 [--]. Ability to borrow against your cash value while not affecting your cash value growth. 🏦 [--]. With some companies the ability to get a GUARANTEED income in retirement that will pay you as long as you live. 👏 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates"
TikTok Link 2024-05-26T00:04Z 45.5K followers, [----] engagements
"IUL FOR KIDS 🧒 The most common like insurance for kids has been and still is the Gerber plan. Not because its the best but its the only thing that we know. Because our parents did it and their parents did it. Even funnier is how they dont even have agents just mailers that go out to our home But what they dont tell you is that its whole life policy. With an IUL you have the same benefits but more and the ability to overfund and max fund for retirement purposes and be your own bank in the future #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy"
TikTok Link 2024-05-30T17:02Z 54.8K followers, [----] engagements
"Comment INDEX to start today Many people ask me how is it possible to get a good rate of return WITHOUT risking in the market 📉 Usually its either low risk and low return or high risk and high return. Its because INDEXING is a feature only available in insurance products 🏆 Insurance companies make their money from the cost of insurance and mortality risks . Because of that they can give you a higher return on your money 💰 Essentially in return for giving up some of the gains in the market they will take responsibility for all of the losses ❌ Its a great tradeoff 👏 #Investments #Banks"
TikTok Link 2024-06-05T22:26Z 51.4K followers, [----] engagements
"Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #infinitebanking"
TikTok Link 2024-06-14T15:31Z 45.7K followers, [----] engagements
"🏦 #1 SIDE HUSTLE IN [----] 🚨 Getting an insurance license is very simple and can make great income 📜 Many people do it part time and make an extra $500 a month or even $5000 a month. But there are also endless possibilities 💸 As a broker you can build an agency that can be nationwide. You can have a team of [---] or [----] or even [-----] agents 💪 Just like someone who has multiple McDonalds franchises or dry cleaners you can make a % of what your overall agency does even if it operates in different states 🌎 #PHPAgency #TheNextGeneration #Valuetainment #Entrepreneur #LifeInsurance #IUL"
TikTok Link 2024-06-20T15:33Z 45.7K followers, [----] engagements
"Dont know what kind of life insurance you have Follow these steps to find out #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #Crypto #Forex #Bitcoin"
TikTok Link 2024-06-25T06:26Z 45.9K followers, [---] engagements
"How to create GENERATIONAL WEALTH using life insurance and TRUSTS 📝 [--]. Purchase a life insurance policy. Term or permanent work but permanent comes with cash value that is tax free and will also pass to your beneficiaries. 💰 [--]. Name the beneficiary on your policies your family TRUST 💪 [--]. Dictate in your trust that you want the proceeds of the death benefit be paid to your beneficiaries in the form of a permanent life insurance policy. That way they are able to pull out money TAX FREE inside of a policy. 📜 [--]. Name the beneficiary on those policies the family trust 👏 #Investments #Banks"
TikTok Link 2024-06-25T22:08Z 47.1K followers, 11.2K engagements
"Replying to @ClairJet cash back from your life insurance"
TikTok Link 2024-06-28T15:09Z 52.1K followers, [----] engagements
"401k vs Life Insurance Loans 🏦 This is a common questions. Here is the difference: 401k Loans: - They loan you your own money so its not earning an interest in the market. - They will typically charge you an interest but that interest is actually paid back to your account since its your own money you are borrowing. Life Insurance Loans(participating): - They are loaning you THEIR money so your money stays in your account earning an interest as if it never left. - They will charge you an interest which is paid to the insurance company. #Investments #Banks #LifeInsurance #Roth #NewYear"
TikTok Link 2024-07-05T16:00Z 52.3K followers, [----] engagements
"Replying to @walki Why do you have to take a loan on your own money 😭 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank"
TikTok Link 2024-07-06T22:57Z 51.8K followers, [----] engagements
"Maximizing Retirement Income: Annuity vs. 401k Withdrawal 🤩 Discussing options for a 64-year-old client who wants to retire in a year and maximize his income stream 👏 Comparing the traditional 4% withdrawal rule from a 401k versus rolling over to an income annuity that can provide a higher guaranteed lifetime income 📈 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #Rollover #RothIRA"
TikTok Link 2024-07-14T06:08Z 54.6K followers, [----] engagements
"Weekend vibes 🎥 Credit: @🦥 #Porsche #911Turbo #CarPorn #Exotic #Cars"
TikTok Link 2024-07-22T03:02Z 50.1K followers, [----] engagements
"Surprising Ways to Use Life Insurance While Youre Alive 👏 There are two ways you can use life insurance while youre alive: [--]. Living Benefits 🤕 [--]. Cash Value 💰 Term insurance often comes with #1 and Permanent Insurance can come with BOTH 💪 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #RothIRA"
TikTok Link 2024-08-12T02:14Z 47.5K followers, [----] engagements
"Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2024-08-15T14:13Z 52.2K followers, 24.2K engagements
"5 Things to Know Before Investing in an Annuity 📊 An annuity can be a very effective tool in retirement that can provide things that other accounts cannot: 👉 Principle Protection 👉 Growth Potential 👉 Locking in Gains 👉 Guaranteed Income for Life And many others however you should know the [--] things discussed in this video before you decide to invest inside of any annuity regardless of the agent or company you are dealing with 💪 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation"
TikTok Link 2024-08-15T20:18Z 50.2K followers, [----] engagements
"🏦 Maximizing Retirement Income: IRA Roth IRA or IUL When Life insurance first came out it was meant to cover your family in case you passed away 🙏 Then they created policies that would have cash value inside of it that could help prolong the policy so it didnt expire 👌 Then those same policies with cash value made their funds available to borrow against it to use for emergencies 🚨 and unique situations 🤝 Now those policies are specifically designed 📊 with the cash value in mind to supplement things like college funding for kids 🧑🎓 and retirement planning👨 Things that were never meant"
TikTok Link 2024-08-22T07:42Z 50.1K followers, [----] engagements
"DM or comment IUL to get started today 🏦 This example shows a [--] year old male putting away $2k a month into a Max Funded IUL for [--] years 💪 Its assuming a 6.44% average interest rate in that time frame. This is not guaranteed but based on the last [--] years history of this index allocation 📈 That would come out to $676k in cash value at [--] years old which at that time he could trigger an income stream of $48k which would at that time be guaranteed for life 💸 If he lives for [--] years thats $1.2M total payout 👏 If he lives longer it will keep paying out for the rest of his life."
TikTok Link 2024-09-16T04:44Z 50.1K followers, 90.5K engagements
"Rollover 401(k) to IUL 🤔 This is a very common question 👆 A 401k is tax-deferred which means the money thats in there has not been taxed. In that case you cannot roll over money that has not been taxed into a tax-free vehicle like an IUL. #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2024-09-28T22:25Z 53.6K followers, [----] engagements
"🏦 IUL vs ROTH IRA 📈 Both of these products have been compared ever since they came out and were introduced in [----]. They are very different in the sense that one isnt it straight investment and the other is a life insurance policy with the cash value but they have a lot of similarities. The main ones being the cash value grow TAX FREE and you can pull out TAX FREE creating a tax-free income in retirement. [--] differences people dont know about have to do with the contribution limits and how much you put into it #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom"
TikTok Link 2024-10-03T03:42Z 51.9K followers, [----] engagements
"🏦 IUL vs ROTH IRA 📈 Both of these products have been compared ever since they came out and were introduced in [----]. They are very different in the sense that one isnt it straight investment and the other is a life insurance policy with the cash value but they have a lot of similarities. The main ones being the cash value grow TAX FREE and you can pull out TAX FREE creating a tax-free income in retirement. [--] differences people dont know about have to do with the contribution limits and how much you put into it #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom"
TikTok Link 2024-10-14T04:22Z 52.1K followers, [----] engagements
"Single Premium Life 💰 You often hear about us talking about MINIMUM premium or MAX funded policies and those are referring to those amounts on an annual basis 📝 However there is an amount that you can pay where the ENTIRE policy is paid up at one time 🤯 This can be good for someone who just wants coverage their entire life and doesnt want to make monthly payments ❌ Do your research before doing this the TAX IMPLICATIONS are different than a normal IUL and may not be favorable if you are looking to use the cash as a retirement income etc 🧐 #Investments #Banks #LifeInsurance #Roth #NewYear"
TikTok Link 2024-10-31T22:47Z 54.8K followers, [----] engagements
"Whole Life vs IUL 🏦 Most of the comments that are blatantly wrong on my reels are from people thinking an IUL works like a Whole Life 🤦♂ Side note: many of the newer Whole Life policies have riders and provisions that make those not even applicable as well ❌ Keep in mind this reel is only [--] seconds. You need to do WAY more research to understand the full different but this gives you a starting point 👏 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank"
TikTok Link 2024-11-02T00:31Z 50.1K followers, [---] engagements
"Comment or DM IUL" for more information One of the benefits of an lUL is that the income that you can pull out in retirement is not only higher than the average 4% rule touted by a financial advisors (closer to 7%) but depending on the carrier it can be GUARANTEED for life 👏 That's because the IUL does not have to lower your risk in the older years to avoid against loss therefore lowering the amount you can pull out 📈 Because the inherit nature of the IUL you can't have a negative rate of return in any year so you are never risking your retirement money in your older year 💪 #Investments"
TikTok Link 2024-11-08T02:01Z 50.3K followers, 79.5K engagements
"DM or comment IUL to get started today 🏦 This example shows a [--] year old male putting away $2k a month into a Max Funded IUL for [--] years 💪 Its assuming a 6.44% average interest rate in that time frame. This is not guaranteed but based on the last [--] years history of this index allocation 📈 That would come out to $676k in cash value at [--] years old which at that time he could trigger an income stream of $48k which would at that time be guaranteed for life 💸 If he lives for [--] years thats $1.2M total payout 👏 If he lives longer it will keep paying out for the rest of his life."
TikTok Link 2024-11-08T02:01Z 50.3K followers, [---] engagements
"Be Your Own Bank 🏦 This concept has been popular over the last couple of years all over social media 📲 Most people dont know what that actually means 🧐 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation"
TikTok Link 2024-11-13T16:12Z 50.7K followers, [---] engagements
"Comment below BANK to start yours today Unfortunately this is not how most phone calls go with agents. Most of the time they structure it completely opposite than mentioned above. Make sure that you talk to an agent that you trust 💪 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2024-11-16T13:34Z 50.7K followers, [---] engagements
"Comment below IUL to learn about one for you today 👍 The average person contributes 6.2% of their earnings into social security their whole life and receives an average $1862 in retirement 💰 The average American over the age of [--] has $272588 saved in their 401k 📊 We need to have 2-3 other sources of income in retirement. The IUL can be a great tool if used correctly and structured the right way 👩💼 The example above shows a [--] year old male putting away $500/mo into a Max Funded IUL ($138361 death benefit/option B increasing) 🏦 Its showing an average 6.44% rate of return. This is NOT"
TikTok Link 2024-11-18T20:23Z 50.8K followers, [---] engagements
"IUL vs FIA 🏦📉 If you are looking to contribute money on a monthly basis do you want the ability to have a tax free retirement and also to borrow against your cash while its growing the IUL may be right for you 💪 If you have an old 401(k) or IRA or even a large lump sum of money in the bank and you want to move that somewhere where itll grow but no risk of loss the FIA may be right for you 💪 Either way both will be able to grow your money based on a market index without risk of loss and provide you an income stream in retirement 👏 #Investments #Banks #LifeInsurance #Roth #NewYear"
TikTok Link 2024-11-21T17:04Z 51K followers, [----] engagements
"IUL vs FIA 🏦📉 If you are looking to contribute money on a monthly basis do you want the ability to have a tax free retirement and also to borrow against your cash while its growing the IUL may be right for you 💪 If you have an old 401(k) or IRA or even a large lump sum of money in the bank and you want to move that somewhere where itll grow but no risk of loss the FIA may be right for you 💪 Either way both will be able to grow your money based on a market index without risk of loss and provide you an income stream in retirement 👏 #Investments #Banks #LifeInsurance #Roth #NewYear"
TikTok Link 2024-11-22T05:19Z 50.8K followers, [---] engagements
"Comment IUL to schedule a call today If you want to get an IUL and have long term growth to be your own bank accumulate income for retirement and other investment opportunities you want to find the right company. 🏢 By the way if you have an existing policy you can schedule a call to have me review your policy 🗒 [--]. Mutual of Omaha They have a good low cost IUL for those looking to do smaller premiums older clients and those that dont want medical exams. [--]. AIG/CoreBridge Financial One of the earliest carriers that I used in my career. They are the best rates for term policies and they have"
TikTok Link 2024-11-22T16:30Z 54.4K followers, [----] engagements
"MISS A LIFE INSURANCE PAYMENT 💸 A lot of people will scare you that your policy will IMPLODE 🤯if you miss a payment. Even with term which is just straight insurance you are still given time to make up for that payment 🫡 With permanent insurance there is cash value in the policy. So if you miss a payment they will take money from your CV to pay your insurance cost 💲 In many cases people STRUCTURE their policy intentionally to stop paying and continue self funding 👌 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs"
TikTok Link 2024-11-24T06:56Z 51K followers, [---] engagements
"Comment FIA below to start get more information A Fixed Indexed Annuity is a retirement plan sold by life insurance companies 💰 👉 The interest you earn is based on a market INDEX where you participate in a portion of the gains in return for none of the losses. 👉 The above example shows a [--] yr old who rolls over $300k from an old 401(k) from a previous employer. 👉 The interest rate is assuming a 7% return. This return is NOT GUARANTEED but hypothetical since future returns are unknown. 👉 The returns ARE however based on historical returns over the last [--] years. So although they arent"
TikTok Link 2024-12-05T01:43Z 51.3K followers, 80.3K engagements
"IUL LOANS 💸 There are multiple loans when it comes to permanent cash value building life insurance 🏦 Standard preferred variable and preferred. Even with different companies they call them different names as well 🤷♂ Some loans need to be paid back 👍 Some dont 👎 The ones that DONT need to be paid back are the ones that people use as income 📨 Loans arent taxable income so that money you would get it TAX FREE because it came to you in the form of a loan. So dont get thrown off when you hear the word LOAN because it doesnt work how any typical loan you are used to #Investments #Banks"
TikTok Link 2024-12-18T07:15Z 51.5K followers, [---] engagements
"Comment or DM Wealth for more information 🏦📜 [--] Use Life Insurance as a Wealth Accumulation and Transfer Tool 👉The Rockefellers are said to have used permanent life insurance for wealth growth and transfer. 👉 These policies offer cash value that grow over time which can be borrowed against or used for investments. 👉 Family members could take loans against the cash value for business ventures education or emergencies without disrupting the wealth system. [--] Establish and Fund Family Trusts 👉 These trusts are designed to last for multiple generations shielding wealth from estate taxes"
TikTok Link 2024-12-18T07:19Z 51.5K followers, [----] engagements
"BAD INSURANCE AGENT 🚫 Let me clarify when I mean bad: [--]. An agent who has intentions of making a higher commission over whats best for you 🚩 [--]. An agent that is extremely under trained or lacks knowledge to help you properly 🚩 [--]. An agent that is limited to certain products and cannot help you but is going for the sale still. 🚩 At the end of the day that just means the agent will end up selling you a policy that doesnt meet your needs. If you see any of these red flags compare with another agent and seek help outside of them. #Investments #Banks #LifeInsurance #Roth #NewYear"
TikTok Link 2024-12-20T17:23Z 51.5K followers, [---] engagements
"Grow Your Money with Indexing Returns in Insurance Products 📊 Indexing is different than Index Funds which are actually in the stock market 📈 Indexing is only available with insurance products: IULs and FIAs 🏦 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2024-12-23T06:11Z 51.5K followers, [---] engagements
"Comment IUL below to learn how 👉 In this client scenario this is [--] year old male putting away $600 per month or $7200 a year until he is [--] years old. 💰 👉 He will immediately have a death benefit of $203k which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.42%. This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 👉He will have $83k available for loans after [--] years and about $1380000 at the age of [--] years old. 💪 👉If he choose to he can trigger an income"
TikTok Link 2024-12-23T06:52Z 51.5K followers, 19.8K engagements
"Missing a Payment on IUL ❌ There are times when this causes your policy to lapse. Sometimes in a few years sometimes in months 😵 There are also times that you policy cash value will continue to grow forever and never lapse 👏 It all comes down to HOW ITS FUNDED 💰 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #RothIRA"
TikTok Link 2025-01-04T06:40Z 54.7K followers, [----] engagements
"401k Loan vs. Life Insurance Policy Loan 💸 There are a lot of misconceptions about the loans for life insurance. In fact there are [--] types of loans: [--]. Standard 👍 [--]. Preferred 👌 [--]. Participating or Variable 👏 Learn about them all and the benefits of taking out loans from your life insurance policy 🏦 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #RothIRA #FinalExpense #LivingBenefits"
TikTok Link 2025-01-10T17:49Z 51.9K followers, [---] engagements
"Comment IUL below to learn how 👉 In this client scenario this is [--] year old male putting away $1500 per month or $18000 a year until he is [--] years old. 💰 👉 He will immediately have a death benefit of $360k which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.42%. This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 Assuming the above interest rate. 👉He will have $9227 available after [--] year $27k after [--] years and $87k after [--] years for policy loans or"
TikTok Link 2025-01-11T00:05Z 51.8K followers, [----] engagements
"The Power of Convertible Term Life Insurance 🏦 Generational Wealth is the concept where you pass down financial assets to your NEXT GENERATION 🦁 What happens if you pass away before you ever accumulate that wealth Thats where a $1M term policy comes in handy 📄 This ensures that you will always pass down wealth to your family regardless of how old you are 👏 Then when your income is right you can convert part of it to a MAX FUNDED IUL and create a TAX FREE retirement that you will never outlive 💸 #Investments #Banks #LifeInsurance #Roth #FinancialFreedom #GenerationalWealth #Legacy"
TikTok Link 2025-01-12T02:54Z 51.8K followers, [---] engagements
"🎥 Understanding the Difference: IUL vs. Indexed Annuity Confused about the difference between an Index Universal Life (IUL) policy and an Indexed Annuity 🤔 Let me break it down for you 📊 IUL: 👉A type of life insurance that combines protection with cash value growth. 👉 Your cash value grows based on the performance of an index (like the S&P 500). 👉 It also provides a death benefit to protect your loved ones. 💕 📈 Indexed Annuity: 👉 A retirement savings product designed to grow your money with tax-deferred benefits. 👉 Growth is tied to an index but its primarily for income and not life"
TikTok Link 2025-01-16T18:27Z 54.5K followers, [---] engagements
"MILLION DOLLAR BABY 💸👶 Setting up an IUL for a newborn can be one of the best things you can do for your chid when they are born 📊 Using tax free loans your child can have access to this cash value without affecting its growth long term. And when they go to retire they can trigger an income stream that will last the rest of their life #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking #CollegeFunding"
TikTok Link 2025-02-04T22:16Z 51.8K followers, [----] 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 2025-02-15T00:04Z 54.5K followers, [----] engagements
"Ever wondered how an annuity works Lets break it down 💡 In the accumulation phase you invest money into the annuity growing your funds over time. 🏦 Then in the distribution phase you start receiving regular payouts offering you a steady income stream 💵 Whether youre saving for retirement or looking for guaranteed income an annuity can be a great financial tool #Investments#Banks#LifeInsurance#Roth#NewYear#FinancialFreedom#GenerationalWealth#Legacy#Annuity#IRA#401k#IUL#CDs#Savings#InterestRates#Inflation#BeYourOwnBank#InfiniteBanking#Rollover#RothIRA"
TikTok Link 2025-02-28T07:43Z 52.3K followers, [---] engagements
"Is Your IUL Policy Structured the Right Way 🏦 I cant tell you how many times a DAY someone reaches out to me to review their IUL 📧 90% of the time if they are putting in $500/mo or more into their IUL it was structured the wrong way. Why [--]. The agent is either untrained or incompetent🤦♂ [--]. The agent wanted to double triple or even quadruple their commissions 😡 What does it mean to be structured the right way 👉Where you are putting in the Max Annual Premium every year = Guideline Level 💸 👉And in the cases you arent doing that you are at least putting in 50%-100% more than the minimum"
TikTok Link 2025-02-28T22:59Z 51.9K followers, [---] engagements
"🎥 Indexed Annuities: How Your Income is Bigger Than Your Account Value 💰🔥 Did you know that with an indexed annuity your income base is often higher than your actual account value That means your retirement income stream is calculated off a bigger numbergiving you more guaranteed income for life Heres how it works: ✅ Your money grows based on market performance (with no risk of loss). 📈 ✅ The annuity company provides an income base that grows over time. 🚀 ✅ Even if your account value is lower your income stream is based on the higher income base 💵 This strategy ensures steady"
TikTok Link 2025-03-01T23:23Z 51.9K followers, [---] engagements
"Ever heard of Being Your Own Bank 💰🚀 In this reel I break down the step-by-step process of using an Index Universal Life (IUL) policy to grow protect and leverage your moneyjust like the wealthy do ✅ Apply & Get Approved for an IUL Build cash value with tax-advantaged growth 📈 ✅ Properly Structure & Properly Fund your Policy It will not work the same way if you do not do this step Increasing vs Level Guideline Level vs Target and MEC premium etc. All things you need to know 💵 ✅ Give it some Time Ideal is 3-5 years before you start borrowing. If you need to touch it sooner you can but this"
TikTok Link 2025-03-11T14:43Z 51.8K followers, [---] engagements
"🎥 Annuity Myths 🚨 Theres a lot of misinformation out there about annuities. Although an annuity is NOT right for every person in retirement it can be a great option for MANY Here is a common myth about annuities: ❌ Myth : Your family will receive nothing if you get an annuity ✅ Truth: If you pass away with an annuity your family will get your entire amount you rolled over in some cases they will also get an additional death benefit If you have been receiving an income stream they will take whatever youve received and subtract that from the total amount that you rolled over and the rest of"
TikTok Link 2025-03-11T19:21Z 52.9K followers, [---] engagements
"🎥 [--] Key Features to Consider Before Buying an Annuity 🔑💰 Thinking about getting an annuity 🤔 Before you lock in your money here are [--] essential features you need to evaluate to make the right decision 🚀 [--] Fees - Some have very high fees and many have ZERO. Also fees with riders etc. [--] Surrender Period/Charge How long is the time frame and how big the fees What is the free withdrawal amount as well [--] Lifetime Income % This is a percentage that the company will give you as a guaranteed payout your entire life. Needless to say its very important. [--] Bonus Some have them and some dont. It"
TikTok Link 2025-03-13T04:11Z 52K followers, [---] engagements
"🚨 Can You Roll Over an Old 401(k) into an IUL 🚨 Nope ❌ But heres what you CAN do instead 👇 Many people think they can roll over their 401(k) into an Indexed Universal Life (IUL) policy but IRS rules say otherwise. Retirement funds must transfer into another qualified accountand thats where a Fixed Indexed Annuity (FIA) shines 🌟 ✅ Why consider an FIA instead 📈 88% of annuity owners say their annuity helps them feel more financially secure in retirement (LIMRA). 📊 FIAs can offer market-linked growth with ZERO risk of loss during downturnsunlike a traditional 401(k) thats fully exposed to"
TikTok Link 2025-03-28T00:21Z 51.8K followers, [---] engagements
"Lets dive into how an IUL (Indexed Universal Life) policy can help you maximize your retirement income while protecting your wealth 🛡💡 In this reel Ill show you how an IUL works and why its a smart tool for growing your money without the tax burden. 🔥 🔑 How an IUL helps you retire tax-free: 📈 Cash value growth linked to a stock index (like the S&P 500) but with no market riskyou earn when the market goes up but never lose when it goes down 💵 Tax-deferred growthyour gains grow without being taxed so you get to keep more of your money for longer. 💸 Tax-free loansyou can borrow against"
TikTok Link 2025-04-03T17:41Z 51.9K followers, [---] engagements
"The Unethical Reality of Traditional Sales 🫣"
TikTok Link 2025-04-06T06:21Z 51.9K followers, [---] engagements
"Think a 401(k) loan is your best option Think again. 💭 Lets break down why borrowing from the cash value of your IUL could be a smarter move 📝 No penalties no taxes and your money still grows plus it opens doors for future investment opportunities 💸 #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom #GenerationalWealth #Legacy #Annuity #IRA #401k #IUL #CDs #Savings #InterestRates #Inflation #BeYourOwnBank #InfiniteBanking"
TikTok Link 2025-04-12T04:21Z 52K followers, [---] engagements
"BONUS ANNUITIES 📈 Comment FIA if you want a [--] min no-obligation review of your retirement accounts 📲 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-04-25T21:31Z 52K followers, [---] engagements
"💰WHY ANNUITIES CAN DO WHAT THEY DO 🏢 📊 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-04-27T22:02Z 52.1K followers, [---] engagements
"$500000 IN AN IUL CASH VALUE IN [--] YEARS 💰📊 Setting aside $500/mo into a blend setup (term & permanent) assuming a 6.44% return would accumulate $500k cash value 💰 If you did that same amount of money into a Roth IRA that would be upwards of over $850k+ 📊 You dont get an IUL because it will be a HIGHER return than other accounts 🤔 You get it because of SAFETY OF PRINCIPAL HIGH RETURNS TAX FREE LOANS and TAX FREE INCOME in retirement 👏💪"
TikTok Link 2025-04-29T02:15Z 54.8K followers, [---] engagements
"LOSE YOUR JOB AND CANT MAKE PREMIUMS 💸 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k"
TikTok Link 2025-04-29T19:45Z 52K followers, [---] engagements
"Comment IUL in the comment below to see if you can qualify for a policy 📲 This is a client setting aside $2500 a month into an IUL 💰 This may seem a lot to some however keep in mind that after one year this money is essentially liquid 👏 So instead of having this in the bank earning no interest 🙈 you can have it growing and have ability to borrow against it without affecting the growth 📊 **This is just an illustration for an example purposes. These are not guaranteed but based on historical returns. Actual results may vary 👍"
TikTok Link 2025-04-30T18:48Z 53.4K followers, [---] engagements
"🏦 IUL & [---] PLAN 📈 Comment IUL below to have some illustration ran for you 📲 The IUL is a permanent life insurance policy that has a tax-free cash value that grows based on a market index 📊 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA##401k"
TikTok Link 2025-05-01T18:04Z 54.8K followers, [---] engagements
"RETIREMENT CRISIS IS HERE 🚨 📉 Social Security isnt enough 📊 401(k)s can be volatile when you need them the most 💸 Most people are crossing their fingers instead of having a real plan But theres a better way. ✅ Tax-free income ✅ No market risk ✅ Money that lasts for life Indexed Universal Life and Fixed Indexed Annuities help build real retirement income strategies with protection and peace of mind🔒📈 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok"
TikTok Link 2025-05-05T19:30Z 51.9K followers, [---] engagements
"FIXED ANNUITIES 📊 You hear a lot about INDEX annuities but there is another annuity type that is very popular and great for clients who was security FIXED ANNUITIES 💰 Especially good for those that have money sitting in the bank not growing or even risking unnecessarily in the stock market 📈 #I#IULM#MoneyMovesC#CashValueLifeInsuranceL#LifeInsuranceR#RothIRAI#IndexedUniversalLifeB#BeYourOwnBankM#MoneyTipsW#WorkFromHomeI#InsuranceLicenseA#AnnuitiesExplainedF#FinanceTokL#LearnOnTikTokD#DidYouKnowF#FinancialLiteracyF#FYPF#ForYouL#LivingBenefitsF#FIA401k"
TikTok Link 2025-05-07T16:08Z 54.4K followers, [---] engagements
"🚨 401(k) Rollover Tax Trap 🚨 Did you know over 60% of Americans dont understand the tax impact of rolling over their 401(k) 🤯 Dont make a costly mistake ✅ Fixed Indexed Annuity (FIA) = NO taxes now Your money stays tax-deferred and keeps growing. 📈💰 ❌ Indexed Universal Life (IUL) = TAX BILL ALERT 🚨 Rolling over a 401(k) into an IUL is a fully taxable event and with the average federal tax rate at 22%24% that could be a massive hit to your savings 💸 Know the rules protect your money 🔥 Drop a 💰 if you want to learn more 👇"
TikTok Link 2025-05-13T00:50Z 52.1K followers, [---] engagements
"24% RETURN ON AN OLD 401K ROLLOVER 📊 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k"
TikTok Link 2025-05-14T21:42Z 52.1K followers, [---] engagements
"🛡 IUL & TERM BLEND 🏦 I come across many clients that are being shown high DB IULs and are not being maximized for cash value growth. In many cases this is leaving them with $0 accessible for the first couple of years higher than normal fees and cost of insurance and ultimately that can lead to hundreds of thousands of dollar difference than if they got a smaller IUL. Make sure you speak to an agent who knows how to structure these the right way and they arent concerned about their commissions and how much they are going to get paid #Investments #Banks #LifeInsurance #Roth #NewYear #Legacy"
TikTok Link 2025-05-26T00:57Z 52.1K followers, [---] engagements
"52% of Americans have some form of life insurance (2023 LIMRA) and out of those [--] in [--] are UNDERINSURED 🙄"
TikTok Link 2025-05-27T19:39Z 54.4K followers, [---] engagements
"❎ [--] REASONS ANNUITIES WERE BAD IN THE PAST 🙅♂ Comment FIA if you are looking into annuities for yourself 📲 [--]. Long and high surrender charges and period [--]. Forced annuitization [--]. No death benefit for the remainder of your unpaid accumulation value They have changed Reach out to know more about how they work today 💪 #IU#IULo#MoneyMovesa#CashValueLifeInsurancei#LifeInsuranceo#RothIRAn#IndexedUniversalLifee#BeYourOwnBanko#MoneyTipso#WorkFromHomen#InsuranceLicensen#AnnuitiesExplainedi#FinanceToke#LearnOnTikToki#DidYouKnowi#FinancialLiteracyY#FYPo#ForYoui#LivingBenefitsI#FIA01k"
TikTok Link 2025-05-27T20:17Z 52.2K followers, [---] engagements
"🏦 BUY SELL AGREEMENT 🤝 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-06-02T01:29Z 52.9K followers, [---] engagements
"💰WHAT TO DO WITH OLD 401(K) 📊 Save this video for future reference and comment or DM ROLLOVER if you want free advice on your options 📲 👉 Leave it where its at 🎯 👉 Roll over to new company 401(k) 📈 👉 Roll it into an IRA or FIA 🏦 👉 Cash out 🙅♂ Its important to know your options since most employers dont provide the proper resources and education for employees regarding this topic 🤷♂ #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok"
TikTok Link 2025-06-10T17:36Z 52.1K followers, [---] engagements
"How much does confidence play a role in the success of your business 👩💼 🧑💼 In my business you could argue its 90% 😮 The scary thing is we dont talk about improving it a lot 🗣 We do seminars and talks about improving every skill set known to man besides CONFIDENCE 🫡 Its two things: [--]. Preparation 📚 [--]. Keeping small promises 🤝 Work on these and watch your business grow 🙌 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow"
TikTok Link 2025-06-17T06:39Z 52.3K followers, [---] engagements
"4 QUESTIONS TO ASK BEFORE PURCHASING AN ANNUITY 💰 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-06-19T16:01Z 52.3K followers, [---] engagements
"WHY YOU CANT ROLLOVER 401K INTO AN IUL 🏦 Comment ROLLOVER for more information 📲 This question comes up a lot with people who have an old 401k from previous employers 📊 Because of taxes you cant transfer your 401(k) to an IUL but you CAN roll it into an FIA 👏 It has the same indexed growth with no risk of loss and income stream in retirement 💸"
TikTok Link 2025-06-19T18:49Z 54.4K followers, [----] engagements
"How do agents get paid 💰 We get paid a commissions based on the policy that we sell ✍ Insurance companies have a lot of money so when we bring them a client they didnt have to advertise for they pay us directly 💵 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-06-19T20:58Z 52.3K followers, [---] engagements
"35 YEAR OLD $1500/MO INTO A MAX FUNDED IUL 🏦 Comment or DM IUL for more info about starting one for yourself 📲 👉This interest rate is NOT guaranteed but is based on what this account has done over the last [--] years. 📊 👉 DISCLAIMER: You must be able to qualify medically to get an IUL. This is a life insurance policy💸 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k"
TikTok Link 2025-06-20T15:07Z 52.3K followers, [---] engagements
"Comment FIA below to start get more information A Fixed Indexed Annuity is a retirement plan sold by life insurance companies 💰 👉 The interest you earn is based on a market INDEX where you participate in a portion of the gains in return for none of the losses. 👉 The above example shows a [--] yr old who rolls over $300k from an old 401(k) from a previous employer. 👉 The interest rate is assuming a 7% return. This return is NOT GUARANTEED but hypothetical since future returns are unknown. 👉 The returns ARE however based on historical returns over the last [--] years. So although they arent"
TikTok Link 2025-06-20T17:24Z 52.3K followers, [----] engagements
"DO YOU HAVE LIFE INSURANCE AT YOUR JOB 🤝 If so here are [--] things to consider: [--]. Many times its the same price for a private policy than what you are paying ☝ [--]. No living benefits 🤕 [--]. Term not permanent 🙅♂ If youre interested in a free review of your jobs life insurance send me a DM 📲 ##IUL##MoneyMoves##CashValueLifeInsurance##LifeInsurance##RothIRA##IndexedUniversalLife##BeYourOwnBank##MoneyTips##WorkFromHome##InsuranceLicense##AnnuitiesExplained##FinanceTok##LearnOnTikTok##DidYouKnow##FinancialLiteracy##FYP##ForYou##LivingBenefits##FIA#401k"
TikTok Link 2025-06-20T23:10Z 52.3K followers, [---] engagements
"Most people have never heard of this strategy but it could change the way you retire 📊 Its called a Max-Funded Indexed Universal Life policy (IUL) and its how people are building tax-free income for retirement while avoiding market crashes and future tax hikes 🏦 ✅ No market risk ✅ No income limits ✅ Access to your money tax-free ✅ Works for business owners W2 earners and even real estate investors If youre putting $500/month into a 401(k) but worried about taxes or volatility this could be a better strategy 👌 Comment IUL and Ill send you a simple 2-minute breakdown that shows how it works"
TikTok Link 2025-06-23T23:05Z 52.3K followers, [----] engagements
"💼 The life insurance industry didnt just survive [----] and [----] it thrived. When the market crashed in [----] people still needed protection. When COVID hit in [----] demand for life insurance jumped 8% the highest spike in [--] years 📈. Two of the biggest reasons you should get your insurance license is: [--] Its RECESSION-proof 📈 [--] Its PANDEMIC-proof 📊 📲 Comment LICENSE if you want to learn how to get started."
TikTok Link 2025-06-24T19:46Z 52.3K followers, [---] engagements
"🚨 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 2025-06-26T16:56Z 52.3K followers, [---] engagements
"💼 Why do banks own over $220 BILLION in life insurance but most people dont even know it exists Its called BOLI Bank-Owned Life Insurance and its one of the best-kept financial secrets out there. ✅ Safe predictable growth ✅ Tax-free access to cash ✅ Liquid ✅ Still earns interest even when borrowed from Heres the crazy part: you can use a similar strategy with an IUL (Indexed Universal Life) without needing millions in the bank. 📲 Want the same blueprint Comment BOLI and Ill show you how to set it up"
TikTok Link 2025-06-27T22:07Z 53.5K followers, [---] engagements
"📚 INCOME is the OUTCOME. Tony Robbins Money: Master the Game 💰 Most people think retirement is about a number but what if its really about guaranteed income for life In Chapter [--] Tony breaks down how annuities can create financial certainty and peace of mind in retirement yet too many people ignore this strategy. 🔥 If youre serious about building a retirement you wont outlive its time to understand how the wealthy use annuities. 👇 Lets talk: Comment annuities below to learn how annuities could protect your future."
TikTok Link 2025-06-28T03:12Z 52.3K followers, [---] engagements
"📊 Level vs. Increasing Death Benefit: Whats the Difference 🤔💡 When you buy life insurance you get to choose how your death benefit works. But most people have no idea how it affects their cash value premium and payout later on. ➡ Level death benefit: Keeps your death benefit the same great for affordability but cash value doesnt impact the payout. ➡ Increasing death benefit: Your cash value adds to your death benefit giving your family a bigger payout over time 💵📈 Knowing the difference could mean thousands more for your legacy. Dont let your policy work against you. Make it work for"
TikTok Link 2025-06-28T21:24Z 52.7K followers, [----] engagements
"📰 Why Indexed Universal Life Insurance Might Be the New 401(k) Forbes Heres why the IUL (Indexed Universal Life Insurance) is getting attention: ✅ Grows your money with market upside without market losses ✅ Access your cash tax-free ✅ No age restrictions or penalties like a 401(k) ✅ Protects your family and your financial future ✅ Completely under your control not your jobs 🚫 Unlike a 401(k) youre not gambling your retirement on market crashes or future tax hikes. 📉 While most are crossing their fingers in the stock market. 📈 The wealthy are growing and accessing their money TAX-FREE. 💬"
TikTok Link 2025-06-30T01:57Z 52.7K followers, [----] engagements
"Most people think $1 million is enough to retire comfortably But in Hawaii it only lasts [--] years. In California [--] years. And the national average Just [--] years before you're broke. 😳 The truth is $1M isnt what it used to be. You need to plan for more #IUL#IULn#MoneyMovess#CashValueLifeInsurancef#LifeInsurancet#RothIRAd#IndexedUniversalLifeY#BeYourOwnBankn#MoneyTipsr#WorkFromHomes#InsuranceLicensen#AnnuitiesExplainedn#FinanceToka#LearnOnTikTokd#DidYouKnown#FinancialLiteracyP#FYPr#ForYouv#LivingBenefitsA#FIA1k 💰⚠$1 MILLION IN RETIREMENT 💰⚠$1 MILLION IN RETIREMENT"
TikTok Link 2025-07-01T05:18Z 52.7K followers, [---] engagements
"🔥 "If you have an IUL with a $500k or $1M death benefit its probably not structured the right way" 😳💸 Most agents focus on the death benefit but the real power of an IUL is in cash accumulation and tax-free retirement income. If yours isnt designed with minimum death benefit and max funding youre likely missing out big time. 👎🏽 📉 Paying too much for insurance. 📈 Getting too little in cash value. 💡 Want to make sure your policy is actually built for you 📲 Comment IUL review and Ill take a look."
TikTok Link 2025-07-01T22:30Z 52.7K followers, [---] engagements
"Save this reel and comment WEALTH below to start your own Cash Value Life Insurance Policy today 🏦 📲 There are two major pieces to leaving the NEXT GENERATION more 🧩 [--] TRUST [--] LIFE INSURANCE If you are looking to setup a trust you need to deal with an estate planning attorney 👩💼 However you dont need that before signing up for your policy. IN FACT most people do their Life Insurance first and then change their beneficiary to their trust when they set it up 👌📜 Comment WEALTH below if you are interested in setting your Life Insurance policy 📲 #IUL #MoneyMoves #CashValueLifeInsurance"
TikTok Link 2025-07-02T00:15Z 52.7K followers, [---] engagements
"Is [--] too late to start an IUL 🤔 Not at all In fact it might be the perfect time. 🔥 Its not about ageits about premium structure and time. If youre consistent and fund it right an IUL can still give you tax-free retirement income living benefits and protection for your family. 💰🛡 You didnt miss the window you just need the right strategy. 👉 Comment IUL below if youre 50+ and want to see how this could work for you. #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained"
TikTok Link 2025-07-03T01:38Z 52.7K followers, [---] engagements
"🚨 He sent me his IUL policy to review and guess what It wasnt structured the right way. This happens WAY too often. People are putting money into something that wont give them the results they were promised. 😤 If you already have an IUL and want a second opinion send it over. Ill review it and let you know if its set up to actually work for you. 📩 DM me or comment IUL review below."
TikTok Link 2025-07-03T01:52Z 52.7K followers, [---] engagements
"Most people think life insurance only pays out when you die but what if you live and get sick 🤒 Living benefits can give you access to your policy while you're alive especially if you're diagnosed with a chronic illness or need long-term care. 💡 If you cant perform [--] out of [--] activities of daily living (ADLs) 👌 If your policy doesn't include this we need to talk Comment LIVING BENEFITS and Ill send you info to review your policy 📲"
TikTok Link 2025-07-03T14:53Z 52.7K followers, [---] engagements
"💡What does $1000/month really do in an IUL This isnt your average life insurance policy. 📲 Comment IUL if you want to see your numbers. #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-07-04T02:53Z 52.7K followers, [----] engagements
"📲 Comment below Life Insurance to make sure your family is protected like Kevin Harts mother did for her family 🕊🙏 There are two main types of life insurance: [--]. Term [--]. Permanent There are pros and cons to both of them ✍ Make sure you talk to an agent that sells both and gives you different options ☝ #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-07-04T18:02Z 52.9K followers, [---] engagements
"If your life insurance only pays out when you die its outdated. Modern policies come with living benefits so you can access money while youre still alive if you get sick injured or need long-term care. This isnt your grandmas life insurance. Its protection while you live. 👇 Comment LIVING BENEFITS if you want to learn how it works. #I#IULM#MoneyMovesC#CashValueLifeInsuranceL#LifeInsuranceR#RothIRAI#IndexedUniversalLifeB#BeYourOwnBankM#MoneyTipsW#WorkFromHomeI#InsuranceLicenseA#AnnuitiesExplainedF#FinanceTokL#LearnOnTikTokD#DidYouKnowF#FinancialLiteracyF#FYPF#ForYouL#LivingBenefitsF#FIA401k"
TikTok Link 2025-07-04T19:29Z 52.8K followers, [---] engagements
"🏦 Lets talk about the surrender period in an IUL 👇 When can you actually touch the cash value 🤔 It all depends on how you fund it : minimum overfund or max fund 🎯 The more you put in early the faster your money becomes accessible 💰 📩 DM me IUL if you want to see how this would work for you. #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-07-04T23:22Z 52.8K followers, [---] engagements
"💸 The wealthy dont just work harder they use smarter tools. Ever heard of IRS code [----] Its how they grow and access money 100% tax-free. using life insurance. 👀 ⚠ If youre putting all your money in a 401(k) or savings account youre missing the play. 👇 Comment IUL and Ill show you how it could work for you. #I#IULM#MoneyMovesC#CashValueLifeInsuranceL#LifeInsuranceR#RothIRAI#IndexedUniversalLifeB#BeYourOwnBankM#MoneyTipsW#WorkFromHomeI#InsuranceLicenseA#AnnuitiesExplainedF#FinanceTokL#LearnOnTikTokD#DidYouKnowF#FinancialLiteracyF#FYPF#ForYouL#LivingBenefitsF#FIA401k"
TikTok Link 2025-07-07T21:15Z 54.8K followers, [----] engagements
"I asked ChatGPT what the BEST life insurance is and you might be surprised by the answer 📝 Theres no one-size-fits-all answer 🙅♂ Depending on different factors one of the following might be the best: ✅ Term life ✅ Whole Life ✅ Indexed Universal Life ✅ Final Expense Or even a blend between multiple policies Whether you want to build cash value protect your income leave a legacy or grow tax-free wealth will determine the right policy 💪 Its not about term vs. whole life its about the strategy behind it. 💬 Comment LIFE if you want help picking the right one for you"
TikTok Link 2025-07-07T22:41Z 52.9K followers, [---] engagements
"THE DIFFERENCE BETWEEN ALL THE CASH VALUE POLICIES 📈 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-07-08T22:43Z 52.8K followers, [---] engagements
"Comment below LICENSE to learn about getting this license for you 📲 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-07-08T22:50Z 52.8K followers, [---] engagements
"🔥 Most people dont know this but life insurance can be 100% TAX-FREE if structured right. Here are the [--] tax codes that make it possible: 📜 IRC [----] Defines how cash value grows tax-deferred 📜 IRC 101(a) Makes the death benefit tax-free 📜 IRC 72(e) Allows access to cash value tax-free (if done right) This is how the wealthy build legacy and access money without triggering taxes 💰📈 Comment TAX below and Ill send you the breakdown 📲"
TikTok Link 2025-07-10T00:59Z 52.9K followers, [----] engagements
"🏦 $1000/mo into a PROPERLY structured IUL vs NOT PROPERLY structured IUL 👉 If you currently have an IUL and want a review if its structured correctly email me kensernaphp@gmail.com 📧 👉 If you dont have one and you want to set one up properly comment IUL below 📲 #I#IULM#MoneyMovesC#CashValueLifeInsuranceL#LifeInsuranceR#RothIRAI#IndexedUniversalLifeB#BeYourOwnBankM#MoneyTipsW#WorkFromHomeI#InsuranceLicenseA#AnnuitiesExplainedF#FinanceTokL#LearnOnTikTokD#DidYouKnowF#FinancialLiteracyF#FYPF#ForYouL#LivingBenefitsF#FIA#401k"
TikTok Link 2025-07-10T22:35Z 52.9K followers, [---] engagements
"🤔 Can I borrow from an IUL more than whats in my cash value #IUL #MoneyMoves #LifeInsuranceHack #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #FinalExpense #TermLifeInsurance #BeYourOwnBank #MoneyTips #DidYouKnow #SideHustle #WorkFromHome #InsuranceLicense #Annuity #FIA"
TikTok Link 2025-07-11T21:46Z 52.9K followers, [----] engagements
"History lesson on the 401k 📊 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-07-13T01:15Z 52.9K followers, [---] engagements
"🤩 The TWO components of Cash Value Life Insurance 🏦 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-07-15T17:44Z 52.9K followers, [---] engagements
"🚨 If the stock market could warn you before a crash would you listen 👀 Because it just did 📉 MarketWatch just released an article showing key indicators that signaled the last few recessions. Heres the crazy part most people wont move their money until its too late. 😬 Theres a strategy that protects your retirement before the crash. Its called an FIA 📲 Comment FIA below and Ill send you a quick breakdown."
TikTok Link 2025-07-15T20:38Z 53.9K followers, [----] engagements
"💰 $434 BILLION was poured into annuities last year And yet most people still think annuities are boring or outdated. 🙄 But heres the truth 👇 In [----] modern annuities are exploding in popularity because they offer: ✅ Growth tied to market indexes (without the risk) ✅ 100% principal protection from crashes ✅ Guaranteed income you cant outlive ✅ Long-term care benefits ✅ No more old-school annuitizing 📲 Comment Annuity below and Ill reach out to you directly 👍"
TikTok Link 2025-07-15T21:33Z 54.6K followers, [---] engagements
"🏦 USING LIFE INSURANCE WHILE YOURE ALIVE 👏 There are three ways you can do that: [--]. Living benefits - this is where you can access up to 90% of your life insurance policy while you are alive if you become sick or ill (heart attack stroke cancer long term care etc.) [--]. TAX FREE policy loans - this is where you can leverage your cash value to BE YOUR OWN BANK [--]. TAX FREE retirement income - this is where you can turn your cash value into a tax free income in retirement. LIRP or Life Insurance Retirement Plan is a properly structured life insurance policy used for the purpose of retirement"
TikTok Link 2025-07-16T22:49Z 53K followers, [---] engagements
"X-CURVE CONCEPT 📝 Insurance products protect us against the [--] most catastrophic events that can happen in our financial lives: [--] We die too soon - thats where life insurance comes into play [--] We are alive but cant work - thats where living benefits covers us [--] We live too long - Thats where the guaranteed income of annuities and tax-free income of cash value life insurance play a role #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow"
TikTok Link 2025-07-17T23:01Z [--] followers, [---] engagements
"🏦 IUL vs ROTH IRA 📈 Both of these products have been compared ever since they came out and were introduced in [----]. They are very different in the sense that one isnt it straight investment and the other is a life insurance policy with the cash value but they have a lot of similarities. The main ones being the cash value grow TAX FREE and you can pull out TAX FREE creating a tax-free income in retirement. [--] differences people dont know about have to do with the contribution limits and how much you put into it #Investments #Banks #LifeInsurance #Roth #NewYear #FinancialFreedom"
TikTok Link 2025-07-21T05:44Z 53.4K followers, [----] engagements
"Is Your IUL Policy Structured the Right Way 🏦 I cant tell you how many times a DAY someone reaches out to me to review their IUL 📧 90% of the time if they are putting in $500/mo or more into their IUL it was structured the wrong way. Why [--]. The agent is either untrained or incompetent🤦♂ [--]. The agent wanted to double triple or even quadruple their commissions 😡 What does it mean to be structured the right way 👉Where you are putting in the Max Annual Premium every year = Guideline Level 💸 👉And in the cases you arent doing that you are at least putting in 50%-100% more than the minimum"
TikTok Link 2025-07-21T05:58Z 52.9K followers, [---] engagements
"💼 Real Client Example: We just rolled over $250000 from an old 401(k) into a Fixed Indexed Annuity (FIA) ✅ Hes [--] and didnt want to risk another market crash ✅ His 401(k) had no protection no plan for income ✅ With an FIA he now has: Zero downside risk Tax-deferred growth Lifetime income options Legacy protection for his family If youre in your 50s or 60s and have money sitting in an old 401(k) you have options. Dont wait until the next crash to protect what youve built. 📲 DM me FIA and Ill show you exactly how this works"
TikTok Link 2025-07-21T22:11Z 53.6K followers, [---] engagements
"Replying to @COCONUT_FIONA DO YOU HAVE TO QUALIFY FOR AN ANNUITY 📊 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou #LivingBenefits #FIA #401k"
TikTok Link 2025-07-21T22:36Z 53.1K followers, [---] engagements
"Replying to @Sherry M 💬 "Can you roll over a portion of your current 401(k) and still contribute after" 🔥 If your company allows for something called an In Service Withdrawal Now dont be afraid even though its called a withdrawal its referring to transfers and roll overs which is what we would end up doing to avoid a taxable event 📈 📲 If youve got an old 401(k) sitting around or you're looking for safer growth options there are strategies that let you move a portion even while still working and contributing. Not every plan allows it but if yours does you could open up some major"
TikTok Link 2025-07-22T19:44Z 53K followers, [---] engagements
"📲 Comment below IUL if you want to see a personalized illustration for you 📊 IUL returns are NOT guaranteed but are assumptions based on the history of that index the last [--] years 📝 💸 IUL cash value allows you to borrow against it without interrupting the growth to use for investment opportunities such as: Real Estate 🏡 College Funding for Kids 🧒 or other reasons. The most important part is making sure that its structured correctly 👆 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense"
TikTok Link 2025-07-22T20:28Z 53.5K followers, [---] engagements
"💡**"Are annuities full of hidden fees"** Not all annuities are created equal and some have zero fees. Lets break it down: 🔸 Variable annuities = high fees & market risk 🔸 Fixed annuities = no risk no fees 🔸 Fixed Indexed Annuities = low to NO fees + market-linked growth with zero downside risk You dont need to fear the word annuity you just need the right kind. 📩 Comment FIA INFO and Ill send you a breakdown on how it works including rider costs and options #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome"
TikTok Link 2025-07-22T22:32Z 53K followers, [---] engagements
"Save this reel and comment BANK below to start your own Cash Value Life Insurance Policy today 🏦 📲 There are two major pieces to leaving the NEXT GENERATION more 🧩 [--] TRUST [--] LIFE INSURANCE If you are looking to setup a trust you need to deal with an estate planning attorney 👩💼 However you dont need that before signing up for your policy. IN FACT most people do their Life Insurance first and then change their beneficiary to their trust when they set it up 👌📜 Comment BANK below if you are interested in setting your Life Insurance policy 📲 #IUL #MoneyMoves #CashValueLifeInsurance"
TikTok Link 2025-07-24T00:21Z 53.6K followers, [---] engagements
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