Frequently Asked Questions

The team at KCIIS is skilled in building proper retirement plans that focus on protecting your wealth, covering healthcare costs, and incorporating life insurance. As licensed insurance agents, our team can help you determine which products are best for you, including:

• Annuities
• Pensions
• Medigap (Medicare Supplement)
• Medicare Advantage (MA)
• Medicare Part D (Part D)
• Life Insurance
• Long-term Care Insurance
• Dental Insurance

An independent insurance broker is not partial to a single insurance company, which means they can offer you unbiased guidance and access to a wide variety of plans from many carriers. This flexibility allows brokers to focus on finding coverage that best fits your needs, rather than promoting one specific provider. Working with an independent broker costs you the same as purchasing coverage directly from an insurance company—down to the penny—but comes with the added benefit of ongoing, personalized service throughout the year. Think of it as having a dedicated advocate for retirement decisions, without paying a penny more.

In short, no. Our goal is not to replace your current advisor. Like a teacher’s pension or your social security, creating a retirement or lifetime income strategy is meant to supplement your investment strategy.

Consider this: Investment planning is a “hope” to become wealthy. In contrast, guaranteed income planning is a “promise” never to face poverty; all pensions and social security act as an “insurance” policy. Think about F.I.C.A. taxes—what does the “I” stand for? Yes, insurance! Insurance represents a promise. Only an insurance company can provide guaranteed lifetime income. Including both strategies in your portfolio will help protect you against living too long, incurring long-term care expenses, or facing a recession. 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.

Established in 2005, Kai and Ann Chung have been helping clients with their retirement plans for over two decades. Combined with their team of licensed insurance agents, KCIIS has over 50 years of experience.

Planning for retirement can feel overwhelming—but our All SET process makes it straightforward and stress-free. We focus on being Simple, Educational, and Transparent so you always feel confident in your decisions.

• Simple – We take complex retirement strategies and turn them into clear, easy-to-understand solutions tailored to your needs.
• Educational – We go beyond the basics, sharing our knowledge and experience with patience, empathy, and a genuine desire to help.
• Transparent – We believe you deserve the full picture from start to finish, building trust and lasting relationships through honesty and open communication.

With All SET, you’ll have a retirement plan that’s not only smart, but one you truly understand.

Yes! KC Independent Insurance Solutions (KCIIS) is owned and operated out of San Jose, California, with licensing in California and Nevada. We work with a wide range of companies—offering access to over 50 plans across all 50 states—and can compare options side by side to help you weigh the pros and cons of each.

Getting started with KCIIS is simple, straightforward, and stress-free. Just fill out our quick online contact request form, and one of our licensed independent brokers will personally follow up to ensure you have everything you need—right in your inbox. From there, you’ll enjoy a free, no-obligation consultation through our proven 3D SET process, designed to give you clear comparisons, unbiased advice, and the confidence to make informed decisions.

Whether you prefer to schedule your consultation online or call us directly, we’ll guide you through every step of your retirement planning—covering healthcare, income, and more—so there are no surprises down the road. With powerful tools like our Medicare Part D comparison system and year-round support, you’ll have a trusted advocate on your side long after enrollment. At KCIIS, we make it easy to get all set for the retirement you deserve.