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Client Reviews
Fred Bekele, CA
I'm truly impressed by these professionals
I have seen four different annuity specialists, and I find KCIIS to be the best one thus far. It’s amazing how Jennifer, my specialist, didn’t even try to sell me anything yet. She spent over two hours just educating me about annuities, explaining the five different types and the difference riders in detail. Then she sent me home with more homework. Their number one objective is to educate. She took her time to help me understand what best fits my needs. They don’t spend 20 minutes with you and come back with a product to sell. I’m truly impressed by these professionals – they are focused on educating people and helping them choose what’s best for their individual situations.
Richard Meskill
I look forward to the future support
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 Kaiâs 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.Â
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.
Jennie M Lee
I left the meeting feeling informed
I learned so much from these videos but still had quite a few questions. Meeting with Jennifer had truly exceeded my expectations. She was welcoming and patient. She took the time to listen thoroughly to my concerns and asked thoughtful questions. She provided valuable timelines, practical advice, and answered every question I had with patience and detail. I left the meeting feeling informed and motivated to follow through on their recommendations. I highly recommend KCIS agents to anyone seeking professional and compassionate help to navigate through the highly complex medicare system.
Thank you Kais and Ann! Thank you Jennifer!
Jennie!
Dr. Kim Le
I was able to summarized the session with ease at the end.
Al Perez
These guys are very informative and transparent
Currently looking into purchasing an annuity. These guys are very informative and transparent. Theyâre trying to help me find the best hybrid pension that meets my needs. Give them a try if youâre in the market for an annuity.
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 heâll 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.
Holly Garavel
Kai is an exemplary teacher and shares his knowledge effectively
Vivian T
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. Â
I have had the excellent experience with him. I definitely recommend him to anyone who need a comprehensive source of Medicare/health/life insurance.  Â
We spent more than two hours for the initial meeting.Â
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!”
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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.Â
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.Â
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.
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.Â
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.Â
Learning Medicare is like learning a new language and going into a country that youâve never visited before. We hope you choose us to help guide you through this brand-new venture and say, âMedicare is easy!â
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.Â
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. Medicareâs home care is very strict and limited to short-term care. You must be homebound, and a doctor must certify that youâre homebound. Youâre not eligible for the home health benefit if you need more than part-time or âintermittentâ skilled nursing care.Â
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.Â
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.
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 âinvestmentsâ and how to grow your wealth. Retirement planningâs 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 teacherâs 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 âhopeâ to be wealthy.
Guaranteed Income planning is a âpromiseâ 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.
Whatâs 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
Whatâs new?
Medicare Advantage Plans & Drug Plans:Â
(Insurance Co. is your PRIMARY)Â
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:Â
(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.Â
What are the plans that include a drug plan, vision, dental, gym membership, and so forth?
Medigap plans donât 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.Â
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 BookletÂ
Â
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.
Isnât 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:
- You can quit and get your asset back.
- If you donât use it your beneficiary will receive more than you put in tax-free! 3
- You need to use the policy. Youâll receive the benefits tax free and will also have an option of lifetime tax free coverage.
- Option to never have any monthly premiums.Â
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.Â
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 SpecialistÂ
As one of the nationâs 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.Â
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 itâs an overpriced Medicare Supplement, we can compare and shop around.Â
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.
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