FAQ – Consultations
Frequently Asked Questions about our Consultations
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Is there a charge for the initial or future consultations? Is there any obligation?
No. I get paid directly through the insurance carriers, like your car and home insurance agent. The extra time I spend to give you the depth knowledge is to make you feel empowered that you are making the right decision. Also, I believe in helping the community. Thus, the more knowledge you have, the more you will be willing to share it with others.
Of course, there’s no obligation. We want you to feel as if you are talking to a friend or a family member. We want you to feel no pressure through our 3D SET process. You will always feel welcomed to think about what you learn. You will learn a lot!
Will I save money if I go directly through the carriers instead of using an agent or broker?
No. This is not like real estate or going to a warehouse, like Costco. Going through an agent or broker versus going through the insurance company directly is exactly the same cost down to the penny! How that benefits you is that you don’t pay any extra, yet you get the personalized service throughout the year! It’s like having your own lawyer for free!
Why should I use a broker if I can do the research myself?
To be candid, if you could get a lawyer for free versus doing the research yourself, would you? If you could get an electrician to do work at no cost, would you rather do it yourself? Most do not realize there’s no cost in working with an agent. However, the underlining reason most of us rather do the research ourselves is because we don’t want a “sales pitch” or the “sales pressure” Isn’t that true?
Think about this fact: If you do your own research, and you look at different flyers or call the insurance companies directly, what will you learn? Yes, their plan. Will that carrier show you other carriers plan and benefits? Of course not. Well, isn’t that a sales pitch?
Perhaps you feel that reading on your own you won’t get the sales pressure. Let us show you how we are distinct through our 3D SET process. You will see how we can guide you, not sell you, by getting to know “your’ story first. We then keep things simple by our clear and concise education with full transparency. Since we represent over 30 carriers, we have the freeness of speech to be unbiased. Our going on 15 years of experience can also help you to avoid frustration and costly mistakes doing this on your own.
If I already have an insurance agent that sold me my other insurance policies, why should I go with you?
I treasure keeping relationships and staying loyal. However, let me illustrate the difference between being loyal and doing what’s best for you. If you have a knee surgeon that you love, would you have that surgeon perform your heart surgery? If you have a plumber that you are amazed with, would you have that person do a complicated electrical work for you? Does having a specialist in each field mean that you are not loyal? Of course not!
Likewise, why would you allow your car and home insurance agent, your life insurance agent, your Affordable Care Act/Covered California agent, or your financial advisor perform a service as complicated as Medicare, Long-Term Care, or Income planning? No matter the field, we all can only have a few specialties.
Here at KC Independent Insurance Solutions, we don’t want to be a jack of all trades and a master of none. We want you to know that we focus specifically on those that are serious about planning for their retirement years. Our typical age group is 50’s and up. All our planning includes two simple gaps in retirement: Guaranteed Income and Health care planning. This allows us to help you by being focused in keeping up with all the rules and changes in the marketplace.
How long are the consultations?
This depends on the topic and your personality. I book enough time to not rush you or bore you. I created the 3D SET process to make you feel at ease so you can ask as many questions as you would like. Bottom line, you will feel engaged and in control of the meeting duration.
How do I schedule an appointment?
Please click on “Get a Free Consultation” below or call us at 408-502-7080.
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Our no pressure process give you the information you need to make informed, intelligent decisions.
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.