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Text Content

 * Home
 * Our Star Ratings
 * Guaranteed & Tax Free Income
   * Pension Hybrids Explained
   * FAQ – Retirement Income
   * Life Planning Explained
   * FAQ – Life Planning
 * Medicare & Health Care
   * Medicare Explained
     * Medicare Basics
     * Part D Explained & Comparison Tool
     * Medigap/Advantage Plan Quote
   * FAQ – Medicare & Health
   * Medicare Resources
   * Long-Term Care Explained
   * FAQ – Long-Term Care
 * About Us
   * Our Promise To You
   * Meet The Team
   * FAQ – Consultations
   * Insurance Companies
 * Contact Us

Select Page
 * Home
 * Our Star Ratings
 * Guaranteed & Tax Free Income
   * Pension Hybrids Explained
   * FAQ – Retirement Income
   * Life Planning Explained
   * FAQ – Life Planning
 * Medicare & Health Care
   * Medicare Explained
     * Medicare Basics
     * Part D Explained & Comparison Tool
     * Medigap/Advantage Plan Quote
   * FAQ – Medicare & Health
   * Medicare Resources
   * Long-Term Care Explained
   * FAQ – Long-Term Care
 * About Us
   * Our Promise To You
   * Meet The Team
   * FAQ – Consultations
   * Insurance Companies
 * Contact Us


GUARANTEED INCOME




PENSION HYBRID


MEDICARE


LONG TERM CARE


KC INDEPENDENT
INSURANCE SOLUTIONS, LLC


GUARANTEED INCOME






YOUR RETIREMENT


ADVISOR

for

Guaranteed Income

& Health Care Planning




CLIENT REVIEWS

Contact Us


CATHERINE W - SAN JOSE, CA

“I strongly recommend Nelson and Kai to act as guides through the world of
insurance and related decisions.”



Nelson and Kai’s have both been a phenomenal help with insurance changes as I
have transitioned from 40 years of teaching into the world of retirement.  I
have had a LOT of questions about getting my husband and I moved from the
district insurance system into Medicare and a supplemental insurance and vision
and dental and so much more. Both of these men have responded promptly to each
of my inquiries, given clear and complete answers and followed through on
everything that needed to be done.  I could NOT have completed all of this
paperwork without their assistance.  I strongly recommend Nelson and Kai to act
as guides through the world of insurance and related decisions.  They are
friendly, knowledgeable and extremely competent. 

LOIS & GREG - SAN JOSE, CA

“Kai helped us understand the Medicare and Supplemental insurance plan options.”

Kai helped us understand the Medicare and Supplemental insurance plan options.
We signed up with a plan through Kai and he saved us hundreds of dollars. He is
well informed and does the research for you.
We were very pleased with his expertise.



PETER HATCH - WATSONVILLE, CA

“He will fit the right plan to the needs of the person.”



Kai is very knowledgeable regarding various plans. He will fit the right plan to
the needs of the person. He is also very accessible. I love the fact he’ll came
to my house, which I feel is very unusual. I also recommended him to my Pajaro
Valley Federation of Teachers.

CHRIS CRACRAFT - GILROY, CA

“He went out of his way, going the extra mile with scheduling and making sure I
got the coverage I needed.”



I like the fact that Kai was giving me information rather than a bill of goods.
Kai was also very personable and caring about my situation and needs. The
information he presented that he knew it and knew exactly which page to locate
it. He was also very patient with me in getting together. He went out of his
way, going the extra mile with scheduling and making sure I got the coverage I
needed.



VIVIAN T

“I found the KCIIS video series to be extremely useful and informative…I am
happy to recommend this video and others produced by KCIIS, they are
knowledgeable and truly care about their clients.”

I found the KCIIS video series to be extremely useful and informative,
especially the 5 star rated How to Avoid Being Scammed by Medicare Open
Enrollment 2023. It very simply explains the differences between the
Supplement/Medigap and Advantage plans, both pros and cons. While being
bombarded by TV ads about Medicare Advantage plans, there are no ads about
Medigap. Why is that? It was nice to hear about and really understand the
Medigap plan. After viewing the video I feel reassured about my choice. I am
happy to recommend this video and others produced by KCIIS, they are
knowledgeable and truly care about their clients.

BILL MEMMER - HAYWARD CA

“I appreciate his integrity and skill”

Working with Kai and his team has been great. I appreciate his integrity and
skill to teach me my Medicare options and also the pension hybrid concept. I
would highly recommend him and his team.

CHARLES CHAO - SAN JOSE, CA

“I definitely recommend him to anyone who need a comprehensive source of
Medicare/health/life insurance.”



“I recently meet with Kai Chung to setup Medicare plan.  
I have had the excellent experience with him. I definitely recommend him to
anyone who need a comprehensive source of Medicare/health/life insurance.   
We spent more than two hours for the initial meeting. 
He was extremely helpful in explaining me Medicare A, B, Medigap and
prescription plans operation and pitfalls,  walking me through the
decisions.  He answered all my questions and concerns professionally.
Read more…

TERRY LEARY - FRESNO, CA

“I want to send a big shout out to Nelson at Kais office. Kai has always taken
great care of me.”



“I want to send a big shout out to Nelson at Kai’s office. Kai has always taken
great care of me since I retired nearly 4 years ago. I called the office and
left a voice mail recently because I got a notice that my part C drug plan was
going to increase in price and I wanted to add a dental plan as well. Nelson
fielded the call and got right back to me walked me thru how to change my drug
plan to one that costs even less that I’m currently paying and got me set up
with dental all in about one hour including emailing me the forms. Very friendly
efficient and PROFESSIONAL Thanks Nelson!”


Check out our Youtube Channel


WE HIT OVER 3K SUBSCRIBERS IN JUST A FEW MONTHS!

Thank you to all of you for your support. Meet our amazing team and watch us
make a fool out of ourselves with the bloopers our team decided to put in there!
🙄😣😆 (We might regret this video one day!)

Anyway, we are so grateful for all those who have subscribed and who have taken
the time to like, comment, or watch our videos!

We have more exciting things to come, so STAY TUNED to see more Retirement
Income & Medicare educational videos!

Please like and subscribe if you haven’t already.

RETIREMENT INCOME

Lifetime Guaranteed Income
Pension Hybrids
Tax-Free Income



MEDICARE

Medicare & Medicaid
Medicare Supplements
(Medigaps)
Medicare Advantage
Plans Dental & Vision



LONG-TERM CARE

Asset/LTC Hybrids
Life Insurance/LTC Hybrid

Home Care
Assisted Living Care
Nursing Home Care




ALL COACHING SESSIONS ARE AT NO COST TO YOU!


REPRESENTING OVER 30 COMPANIES

FREE EDUCATION

Guaranteed Income
Medicare
Long-Term Care





EDUCATIONAL VIDEOS

OR YOU CAN…

Speak to an expert

(408) 502-7080

Watch This!

COMPARE PLANS

Nationwide, Athene, Prudential, AARP, Blue Shield, Anthem Blue Cross,
OneAmerica, Lincoln Financial…

SEE OUR LIST OF COMPANIES

Click for more...

Compare Pros & Cons
Customize the Best Strategy

(408) 502-7080

ENROLLMENT

Paperless or In Person
Whichever you are comfortable with.



SEE OUR LIST OF COMPANIES

White Glove Service
Stress-Free Application
Set an Appointment Today

(408) 502-7080

FREE LIFETIME POLICY SERVICE

Call Us Today

(408) 502-7080



WE ARE BY YOUR SIDE!

Review & Compare plans 

Coaching for life 

(408) 502-7080


PENSION HYBRIDS


GUARANTEED LIFETIME INCOME

Asset Control & Asset Growth
Principal Protection
Legacy Protection

Would you like to retire with a guaranteed lifetime income like a government
worker or teacher? Would you like to protect your principal, grow your asset,
and pass it on to future generations? Do you have tax-free income as part of
your strategic retirement plan?

Learn how to create your personal pension plan (like a traditional pension), but
you still own your asset or cash value. This hybrid means that your principal or
cash value is always under your control. You can change your mind and cash out. 

This Pension Hybrid through us is not an Annuitization or a Variable annuity. If
you annuitize your money, you no longer have control of your principal. You lock
up your money for life. Variable annuities involve market risks and many
potential fees. That’s why we teach you how to create this Pension Hybrid.

Yes, stress-free income like a teacher or government retiree. Our mission is to
teach you these differences and how you can receive guaranteed income for life.
We will write down a game plan and show you how you can use your assets to have
a promise of lifetime guaranteed income while maintaining control of your
assets, growing, and protecting your principal. 

The size of guaranteed lifetime income can affect what Medicare Health Care
choices you can afford and also cover the parts that Medicare does not cover,
like long-term care. Let us write down a guaranteed strategy that will provide
you income not just for the next few years, but rather for the rest of your
life.

Best of all, we never charge a fee for our coaching sessions and get paid
directly through insurance companies.

Click Here To Learn More

Expand To Read More 3


COMPARE PLANS


MEDICARE MADE EASY

Medicare (Parts A & B)
Medigap Plan (Supplement)
Medicare Advantage (Part C)
Drug Plan (PartD)

Do you find yourself confused with all the Parts of Medicare? Are the
terminologies such as Medicare, Medicaid, Medi-Cal, MediMedi, Medigap, Medicare
Advantage, Part D, Extra Help, and so forth overwhelming? How about the rules of
changing your plan? Yes, most plans have a yearly Open Enrollment. However, were
you aware that Medigap plans have a one-time-only Open Enrollment? With so many
plan options, how do you make the right decision? Are you stressed and unsure
what you can afford due to living on only Social Security with no pension or a
pension hybrid?

Let us walk you through our All SET Process. This includes three main steps. (1)
The first step is laying the foundation by teaching you the Medicare Basics and
understanding Parts A, B, C, and D. What does Medicare not cover? Does Medicare
cover long-term care? (2) Our second step is showing you the pros and cons
between the Medigap plans (Medicare Supplement) and Medicare Advantage plans
(Part C). If you choose Medigap plans, we will also show you how insurance
companies raise their rates. (3) Our third step is to compare your drug plan
(Part D). Depending on your choice, you may or may not need a separate Part D
plan. 

Educating you is always our mission. We feel that education and transparency
must go hand in hand to make things simple. We represent over 30 companies so
that we can be fully transparent and unbiased while we help you find options
within your budget. 

Learning Medicare is like learning a new language and going into a country that
you’ve never visited before. We hope you choose us to help guide you through
this brand-new venture and say, “Medicare is easy!”

(Click here to learn more)

Expand To Read More 3


LONG-TERM HYBRIDS


WHAT MEDICARE DOES NOT COVER

Traditional Long-Term Care Protection
+
Asset Control & Principal Growth
Principal Protection
Legacy Protection
Tax-Free Benefits

Did you know Medicare does not cover any type of long-term care? Especially
long-term care at home or in assisted living facilities is not covered by
Medicare. 

Medicare only covers short-term care at home or in skilled nursing facilities.
You must have at least a 3-day qualifying hospital stay to get coverage. Yes,
most of us will never need this high level of care. However, did you know that
over 70% of us will use some level of long-term care? Specifically, home care.
Medicare’s home care is very strict and limited to short-term care. You must be
homebound, and a doctor must certify that you’re homebound. You’re not eligible
for the home health benefit if you need more than part-time or “intermittent”
skilled nursing care. 

We most likely cannot depend on our children and neighbors like our past
generations. Retiring with a 401(k) or IRA and no lifetime guaranteed income
like a pension has also made it difficult to predict how many assets we will
have left to self-insure our long-term care. 

Traditional long-term care plans are also very expensive, and only a few
insurance companies are left offering those policies. People are often left
today with no planning and no protection. Kids have to quit their jobs to take
care of their parents. Retirees are caught depleting all their assets.

Our unbiased coaching sessions are designed to give you options that you most
likely were never aware of before. Our mission is to teach you the concepts and
hybrids that have been created for decades where you use your own assets, you
still have control over your assets, and you can cash out and change your mind
similar to a savings account without a penalty.

(Click here to learn more)

Expand To Read More 3


FREQUENTLY ASKED QUESTIONS


FAQ RETIREMENT PLANNING

WHAT IS THE DIFFERENCE BETWEEN RETIREMENT PLANNING AND INVESTMENT PLANNING? IS
THERE A CHARGE FOR THE INITIAL OR FUTURE CONSULTATIONS? IS THERE ANY OBLIGATION?

Investment planning mainly focuses on “investments” and how to grow your wealth.
Retirement planning’s strategy is how to protect your wealth. This typically
involves having a strategy using pension planning (guaranteed lifetime income)
along with health care coverage.

ARE YOU A FINANCIAL ADVISOR?

No, and our goal is not to replace your current advisor. Like a teacher’s
pension or your social security, creating a pension or lifetime income strategy
is to simply supplement your investment strategy. Think of it this way:
Investment planning a “hope” to be wealthy.

Guaranteed Income planning is a “promise” never to be poor. All pensions and
even your social security is an "insurance" policy. Think of F.I.C.A. taxes.
What does the "I" stand for? Yes, insurance! Insurance means a promise. Only an
Insurance company can provide a guaranteed lifetime income. Having both in your
portfolio will balance out living too long, incurring long-term care expenses,
or getting hit by a recession.

WHAT’S THE DIFFERENCE BETWEEN A PENSION AND A 401(K)/IRA?

A 401(k)/IRA is simply an asset that you manage or have someone manage for you.
Usually this involves investing in stocks or mutual funds.

A pension is a guarantee that gives you income for life. A teacher would most
likely never give up their guaranteed income!


FAQ MEDICARE

WHAT’S NEW?

MEDICARE ADVANTAGE PLANS & DRUG PLANS: 

(Insurance Co. is your PRIMARY) 

There might be a few new changes with your Medicare Advantage plans. Please see
your Annual Notice of Change to see how your plan is affected. If you would like
to change your plan, then please call our office at 408-502-7080.

Medigap (Supplement) plans: 

(Medicare is your PRIMARY)

If you have a Medigap (Supplement) plan, then the benefits will not change each
year. Medigap plans never change their benefits since the plans are all
standardized by Medicare. 

WHAT ARE THE PLANS THAT INCLUDE A DRUG PLAN, VISION, DENTAL, GYM MEMBERSHIP, AND
SO FORTH?

Medigap plans don’t typically offer these value-added benefits. There a few that
do. Most of the plans that offer these extra perks have a small network for
optometry and dentistry.  So, it’s typically better you have a separate vision
and dental plan. 

Plus, these companies that offer them do raise the rates due to your new
“attained age.” Please click on the Why does my Medigap premium keep going up?
to learn more. *Medicare Advantage plans, depending on the county and plan,
usually offer some added benefits. However, these value-added benefits are not
guaranteed each year. Please check your Annual Notice of Change to check the
changes on your plan.

Please call us for more details.


*See pages 17-18 of the Official Government Guide:

https://www.medicare.gov/Pubs/pdf/02110-medicare-medigap-guide.pdf)


2020 Choosing a Medigap Policy (2021 has not been published yet)

DO I NEED TO CHANGE OR RENEW MY MEDIGAP PLAN?

No. Since 1992, these plans are all guaranteed renewable. As long as you
continue making your payments there’s no need to do anything else! *


*See page 50 of the Official Government Guide:

Click below for a FREE copy of Choosing a Medigap Policy Booklet 

https://www.medicare.gov/Pubs/pdf/02110-medicare-medigap-guide.pdf) 

 

2020 Choosing a Medigap Policy (2021 has not been published yet)


FAQ LONG-TERM CARE

I HEARD LTC POLICIES CAN RAISE THEIR RATES A LOT, IS THAT TRUE?

With the traditional coverages, yes. With the life insurance policies and asset
transfers, the premium will never go up.

ISN’T LONG-TERM CARE EXPENSIVE?

Yes, it can be. If you wait too long and due to your age or health you might not
be able to afford it. There are three major types of LTC. A traditional LTC
policy, Life insurance with LTC, and Asset Transfers.

However, have you learned about the life and long-term care hybrid coverages
that are available now? Have you heard about the LTC hybrids that combines the
idea of an asset transfer (you always have control of your asset) along with a
life insurance policy?

What this means to you is this:

 1. You can quit and get your asset back.
 2. If you don’t use it your beneficiary will receive more than you put in
    tax-free! 3
 3. You need to use the policy. You’ll receive the benefits tax free and will
    also have an option of lifetime tax free coverage.
 4. Option to never have any monthly premiums. 

I THOUGHT MEDICARE OR MY MEDIGAP COVERS NURSING HOME AND HOME CARE?

Medicare only covers what’s considered rehab. Example, you go to the hospital
for a stroke. Medicare will cover up to 100 days in Skilled Nursing and provide
part-time home care. 

Medicare usually does not cover regular home care, assisted living, and any
nursing care outside of rehabilitation. Care for dementia or simply bathing or
dressing due to a disability is usually not covered by Medicare or any Medigap
or Advantage plans.


KAI & ANN CHUNG


KNOWLEDGE IS POWER


INDEPENDENT RETIREMENT INSURANCE SPECIALIST 

As one of the nation’s premier independent Medicare insurance brokers,
representing over 30 companies, our mission is to provide you with the
information you need to make an informed and unbiased decision about the two
biggest gaps and concerns in retirement, income and healthcare. 

If you want to retire with guaranteed lifetime income like a teacher or
government retiree, and would like to learn more about Pension Hybrids, we are
here to help.

If you are new to Medicare by just turning 65 or simply new to Medicare Part B,
or if you have an existing Medicare Supplement and due to recent price increases
want to know if it’s an overpriced Medicare Supplement, we can compare and shop
around. 

If your main concern is to cover the long-term care gaps that Medicare does not
cover, then give us a call.

Call us at 408-502-7080 or fill out the Contact Us form below to set up an
appointment. We get paid through the insurance companies direclty, so our
services are always of no charge to you, the consumer.


RETIRED.


GOODBYE, TENSION!


HELLO PENSION!




CONTACT US

Our no pressure process give you the information you need to make informed,
intelligent decisions.

First Name

Last Name

Email Address

Date of Birth

Phone

Address

City

Zip

How can we help?

6 + 6 =

Submit

By providing your name and contact information, you consent to receive calls,
text messages, and/or emails from a licensed insurance agent about Medicare
Plans at the number provided, even if you are on a government do-not-call
registry. This agreement is not a condition of enrollment.
Not connected with or endorsed by the United States government or the federal
Medicare program. This is a solicitation of insurance, and your response may
generate communication from a licensed producer/agent.


 RETIREMENT INCOME

 * Pension Hybrid Explained (Pensions, Annuities, 401(k), Pension Hybrids
   Differences)
 * Annuities Explained (Pros & Cons)
 * Social Security Timing (Best Time to Apply)
 * Life Insurance Explained
 * Tax-Free Income Explained


 MEDICARE

 * Medicare Explained  (Part A, Part B, Part C, Part D)
 * Medicare Supplements Explained (Plan G, Plan F, Plan N)
 * Medigaps Explained 
 * Medicare Advantage Explained (Part C)
 * Drug Plans Explained (Part D)
 * Dental Explained
 * Vision Explained


 LONG-TERM CARE

 * Long-Term Care Explained 
 * Long-Term Care Hybrid
 * Asset Care
 * Home Care
 * Assisted Living Care
 * Nursing Home Care


KC INDEPENDENT INSURANCE SOLUTIONS, LLC


3031 Tisch Way
STE. 308
San Jose CA 95128

Lic# 0E87911

Copyright 2022, KCIIS


GET IN TOUCH

Kai@RetiringOptions.com

Direct: (408) 502-7080
Fax: (408) 585-5695

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