No, there is no direct cost to you. As insurance agents, we are compensated directly by the insurance carriers, similar to how auto or home insurance agents are paid. The additional time we dedicate to providing in-depth guidance is intended to ensure you feel informed and confident in your decision-making.

KCIIS is committed to supporting and educating the community. By equipping you with valuable knowledge, we hope you’ll feel empowered to share that insight with others.

Please know that there is absolutely no obligation. We want you to feel as if you are talking to a friend or a family member. We prioritize a no-pressure environment where you are encouraged to reflect on what you’ve learned and ask us if anything is ever unclear. We’re confident you’ll love what you learn along the way!

No, working with KCIIS will not incur additional cost to you. Unlike going to a real estate agent or going to a warehouse like Costco, working with a licensed insurance agent or broker costs exactly the same as purchasing coverage directly from the insurance company, down to the penny!

The advantage? You receive year-round, personalized service and expert guidance at no extra charge. It’s like having your own lawyer for free!.

Consider this perspective: If you had access to a qualified attorney at no cost, would you still choose to research legal matters on your own? Or, if a licensed electrician offered to complete work free of charge, would you prefer to tackle it yourself? Most people would gladly accept the help—yet many don’t realize that working with a licensed insurance agent is also available at no additional cost.

So why do many still choose the DIY route? Often, it comes down to one concern: the fear of being subjected to a sales pitch or high-pressure tactics. It’s a common—and understandable—perception.

Now, consider this: when you conduct your own research or call insurance companies directly, what are you truly learning? You’re hearing only about their specific plans. Will they explain a competitor’s offerings or help you compare multiple options? Naturally, they will not. That, too, is a form of a sales pitch—just more subtle.

At KCIIS, we believe in doing things differently. Our proprietary 3D SET process is designed to inform, not sell. We begin by listening to your story and understanding your needs. From there, we provide clear, objective education in plain language—always with full transparency.

As independent agents representing more than 50 carriers, we have the freedom to remain unbiased and focused solely on your best interest. With nearly 15 years of industry experience, we are here to help you make informed decisions—while avoiding the confusion and costly missteps that can come from going it alone.

At KCIIS, we deeply value long-term relationships and loyalty. However, it’s important to distinguish between staying loyal and making informed decisions that are in your best interest.

For example: If you had a trusted knee surgeon, would you ask them to perform heart surgery? Or if you were impressed with a skilled plumber, would you ask them to handle complex electrical wiring? Does having a specialist in each field mean that you are not loyal? Of course not!

Similarly, when it comes to planning for retirement, it’s essential to rely on professionals who specialize in that specific area. Your auto and home insurance agent, life insurance provider, ACA/Covered California advisor, or financial planner each have their own areas of expertise. But Medicare planning, long-term care strategies, and retirement income solutions require focused, up-to-date knowledge.

We don’t aim to be generalists. Instead, we are committed specialists in retirement-focused planning. We work primarily with individuals who are in their 50s and older, concentrating on the two most critical components of retirement security: guaranteed income and health care planning.

This specialization allows us to remain current with the ever-evolving regulations and options in the marketplace, so we can deliver strategic, personalized guidance. By narrowing our focus, we’re able to provide clarity and confidence to those preparing for the next chapter of their lives.