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


"🚨PLEASE READ BELOW🚨 I am not saying that ALL IULs with Transamerica/WFG are not structured the right way 🚫 Im just saying as of recently majority of the improperly structured clients have been with them ⚠ I just had a client putting away $40k a year that specifically told the agent to structure it with MINIMUM DB and they did the exact opposite 😑 Regardless of the company thats not right 👍 My point is this: 👉 If you are going to get a client a $1M IUL you owe it to them as an agent to show them the same premium with a smaller (Maybe $250k IUL) and a term blend and let them choose. 👉"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7537463587166539021) [@ken_serna](/creator/tiktok/ken_serna) 2025-08-11T22:48Z 54.9K followers, 1392 engagements


"🏦 $100000 FIA from 401(k) 💰 Comment below FIA to learn more about this for yourself 📲 🔹You have X options on what to do with your 401(k) when you leave your job: X. Cash it out 🙅♂ X. Roll to your NEW employer 🤦♂ X. Move it into an IRA 📊 👍 😨 X. Roll over into an FIA 🌱 💵 #IUL #LifeInsurance #LivingBenefits #MoneyTips #RetirementPlanning"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7556749725366537485) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-02T22:08Z 54.9K followers, 1018 engagements


"Comment below FIA if you want to open an FIA for yourself 📲 One of the biggest reasons people cant retire on their own terms is simple: - MARKET LOSS 📈 Thats where a Fixed Index Annuity (FIA) comes in 💪 Its designed to grow your savings while protecting you from ever losing a dime due to market downturns 💰 Take this scenario 📝 👉A 45-year-old moves $200000 from an old 401(k) into an FIA. 👉 This specific annuity has ZERO % FEES. 👉 If the markets perform like they have over the past decade WITH an income benefit bonus their benefit amount would be $1.1M. 👉5.85% of the benefit value at"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7558347113533295927) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-07T05:28Z 54.9K followers, 11K engagements


"Never heard of an FIA Its like a 401(k) but safer. No market losses. Up to XX% growth. Lifetime income guaranteed. This is how people are retiring without worry. 😮💨 💬 Comment FIA if you want the 2-minute breakdown #retirement #annuity #financialliteracy #FIA #moneytips #taxfreeretirement #safeinvesting #indexstrategy #financeexplained"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7518943766036679950) [@ken_serna](/creator/tiktok/ken_serna) 2025-06-23T01:02Z 54.9K followers, 41.5K engagements


"Replying to @kenrphil ❌ The Truth About FIAs Fixed Indexed Annuities arent perfect and anyone telling you otherwise is just trying to sell you something. Here are X real downsides you need to understand BEFORE putting your money into one: X Surrender periods (you cant touch all your money early) X Limited upside due to caps and participation rates X Complexity and risk of working with the wrong agent 😬 But heres the thing every financial product has pros AND cons. The real question is: Does it fit YOUR retirement strategy ✅ If you're rolling over a 401(k) nearing retirement or just looking"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7520297348363275575) [@ken_serna](/creator/tiktok/ken_serna) 2025-06-26T16:34Z 54.9K followers, 8409 engagements


"💸 $1000000 CHILD 🏦 Comment KID IUL to look into setting one of these up for your children 📲 👉 Imagine setting aside $25000 and your kid having $1M when they go to retire #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7562306537922907405) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-17T21:32Z 54.9K followers, 2416 engagements


"Comment Bank below to start your IUL today🏦 In the above example a XX year old healthy individual is setting aside $300/week or $1200/month into an indexed universal life insurance policy. For multiple reasons 👇🏾 X. Theyre going to average a 6-10% rate of return with guaranteed protection from stock market crashes so their money can only grow but never lose 🔥 X. They have tax free liquid access to their money. Meaning theres no penalties to access it before XX 1/2. Meaning they become a bank. They can borrow the cash in the policy without interrupting the growth and leverage it for future"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7305183589526768939) [@ken_serna](/creator/tiktok/ken_serna) 2023-11-25T00:03Z 54.9K followers, 893K engagements


"Save this reel and comment BANK below to start your IUL & FIA today 📲  #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/7531607443957173518) [@ken_serna](/creator/tiktok/ken_serna) 2025-07-27T04:03Z 54.9K followers, 62.7K engagements


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


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


"Comment IUL below to learn how 📲 👉 In this client scenario this is XX year old male putting away $1000 per month or $12000 a year until he is XX years old. 💰 👉 He will immediately have a death benefit of $XXX which would get paid to his beneficiaries if he passes away along with his cash value. 🏦 👉The interest rate is assuming a 6.25%. This interest rate is NOT guaranteed but is based on what this account has done over the last XX years. 📊 👉 At the age of XX he will have accumulated $803k in retirement 💪 👉If he choose to he can trigger an income stream at XX (60 at the earliest) of"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7559093280584076558) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-09T05:42Z 54.9K followers, XXX engagements


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


"Replying to @don.of.texas 📈GUARANTEED VS NON-GUARANTEED 📊 Guaranteed just means the market crashes every single year and thats never happened in history 🙅♂ Non-guaranteed doesnt mean made up it just means we dont know exactly what the market will do 🔭 Its based on 20+ years of historical returns the most realistic scenario 🫡 If you only want guaranteed returns go to the bank 🏦 If you want protection + growth thats what an IUL or FIA is built for 🧱 🏗 💬 Comment IUL or FIA below if you want me to break down how these really work. #IUL #LifeInsurance #LivingBenefits #MoneyTips"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7559614824393592119) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-10T15:27Z 54.9K followers, XXX engagements


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


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


"⚖ BEST ANNUITIES 📈 These are the main factors to consider when getting an annuity. Surrender period is the first one. Having a surrender period isnt bad you just want one that matches when you want to pull it out as well as gives you some access for emergencies if possible. Indexing strategies are a big one as well. Some have low caps or low participation rates. Not all FIAs are created equally. Fees are big with variable annuities and some indexed annuities. Again not all annuities are made the same. There are many FIAs that have X fees. Yes you heard that X fees Lastly is the income"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7249450835225267502) [@ken_serna](/creator/tiktok/ken_serna) 2023-06-27T19:31Z 54.9K followers, 2534 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/7318114728054721834) [@ken_serna](/creator/tiktok/ken_serna) 2023-12-29T20:23Z 54.9K followers, 273.2K engagements


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


"Save this reel and comment BANK below to start one of these X types of Life Insurance Policies 📲 X TERM LIFE - Proper Coverage X IUL - Cash Value X FINAL EXPENSE - Parents Most people dont know but its normal and many times recommended to have multiple life insurance policies 🏦 Comment BANK below if you are interested in setting your Life Insurance policy 📲 #IUL #MoneyMoves #CashValueLifeInsurance #LifeInsurance #RothIRA #IndexedUniversalLife #BeYourOwnBank #MoneyTips #WorkFromHome #InsuranceLicense #AnnuitiesExplained #FinanceTok #LearnOnTikTok #DidYouKnow #FinancialLiteracy #FYP #ForYou"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7515205889465371950) [@ken_serna](/creator/tiktok/ken_serna) 2025-06-12T23:17Z 54.9K followers, 142.8K engagements


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


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


"5 Reasons To Get Your Life Insurance License ✍ 💸  #LifeInsurance ##BeYourOwnBoss##Annuity#SideHustle #WorkFromHome"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561181582879460621) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-14T20:46Z 54.9K followers, 1704 engagements


"🚨🚨 WARNING 🚨🚨 Some people may not be happy Im breaking this down. But the IUL is beginning to get a bad reputation for a couple reasons: X. How they are being sold ✍ X. How they are being structured 📝 A regular Max Funded IUL can pay an agent $3000 commission 💰 Obviously this already poses an issue because some agents will sell it just because of the commission EVEN if its not right for them 😡 However that same IUL BADLY STRUCTURED would pay the agent $13500 🤯. So in the event the IUL is RIGHT 👍 for the client and the agent can sell a policy and make $3k or sell a policy and make"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7519554239941643533) [@ken_serna](/creator/tiktok/ken_serna) 2025-06-24T16:31Z 54.9K followers, 45.9K engagements


"Comment below FIA if you want to open an FIA for yourself 📲 One of the biggest reasons people cant retire on their own terms is simple: - MARKET LOSS 📈 Thats where a Fixed Index Annuity (FIA) comes in 💪 Its designed to grow your savings while protecting you from ever losing a dime due to market downturns 💰 Take this scenario 📝 👉A 60-year-old moves $500000 from an old 401(k) into an FIA. 👉 They will get an upfront bonus on their account value of XX% or $50000. 👉 If the markets perform like they have over the past decade WITH an income benefit bonus their benefit amount at XX would be"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561537881366416653) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-15T19:49Z 54.9K followers, 31.6K engagements


"What is an ANNUITY 🤔 Annuities have been around a very long time. Up until the 90s annuities werent considered the best option when it comes to retirement 👎 Over the last 15-20 years they have become increasingly competitive and to the point where they are the go-to option for retirement income 💸 #IUL #LifeInsurance #LivingBenefits #Annuity #FIA"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7561947658407939341) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-16T22:19Z 54.9K followers, 1553 engagements


"3 STEPS ON ROLLING OVER OLD 401(K) INTO FIA 📊 Comment Where if you want the list of top Annuities 📲 X Find a good agent picking an annuity thats right for you to submit an application 👩💼 X Request a direct transfer or direct rollover 💰 X Fill out any required paperwork to complete the rollover 📋 ##IUL##LifeInsurance##LivingBenefits##Annuity#FIA"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7562230820602154253) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-17T16:38Z 54.9K followers, 3168 engagements


"🏦 X Common Uses For Cash Value Life Insurance 💸 👦 College - This is a great supplement for your kids college funding or just future savings 🏠 Real Estate - Great for leveraging for down payments on properties all the while your cash grows uninterrupted 💰 Retirement - Perfect to supplement your retirement income on a tax free basis Remember and IUL should not be used solely for any of the things above merely as a supplement 👍 #I#IULL#LifeInsuranceL#LivingBenefitsA#Annuity#FIA"  
[TikTok Link](https://www.tiktok.com/@ken_serna/video/7563093900085251342) [@ken_serna](/creator/tiktok/ken_serna) 2025-10-20T00:27Z 54.9K followers, XXX engagements