Cindy - California,

Catherine W - San Jose, CA

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.

Lori Hughes - Santa Cruz, CA

"Kai, We're so thankful for you being such a great and patient coach for us as we navigate all this change in our financial life! Thanks for all the hours you have put into educating us and guiding us as we make choices that affect our entire future."

Ernie & Ginger Sandoval - Santa Barbara, CA 

"Thank you Kai for all your help and advise tonight.  You are amazing!

We could have NEVER known where to begin, which plans to take, what is best fit for us.  You are one knowledgeable person, so glad we touched base with you!  You truly go over and beyond and we thank you for that!"

Eugene - San Jose, CA

"Kai,

Thank you for meeting with us.

This was a great eye opener that truly opened up my view towards Medicare despite I did do some homework before the meeting with Kai, Now I know how to choose what I want intelligently.

Thank you for your guidance."

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 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 Im 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!"

Charles Chao - San Jose, CA

"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.

Kai is a Medicare expert who knows a lot detail behind the Medicare rules and regulations. He showed me many hidden rules and regulations that most people could missed. I have talked to two Medicare online agents before this meeting. After talking to Kai, I just recognized so much difference between the expert and junior agent.

Kai understands Medicare through and through and more importantly is so patient/professional in answering any questions you have.

If you need help for Medicare/health/Life insurance, just contact Kai Chung.  You won't be regret!"

P Iida - San Jose, CA 

"Thank you so much the information you have provided are

 extremely useful and some things I would not have known.

 Special thanks to Nelson learned alot that I wasn't even

 aware of."

Carol Nellen - San Jose, CA

"You explained everything...some things several times.

I didn’t know anything about annuity stuff and was slow to get them . Needed the help and may need it again some day!

Feel very comfortable asking for your advice and help."

Stephen Arthur - San Jose, CA

"Great attitude, personable, good job explaining the details. I liked the atmosphere of his office, very peaceful. Give an A+. Bottom line Kai gave me the option to make the decision and not just sell me a plan."

Patricia Grant - San Jose CA

"Kai is the absolute best! He spent more than two hours explaining the ins and outs of Medicare enrollment in easily-understandable language. I really appreciated him using examples that I, as an engineer, could relate to. I would not hesitate to recommend Kai to others!"

Rosalie Rich, Attendance Clerk-East Side Union High School District, San Jose CA

"Kai came to my school district’s retirement meeting, and what an eye opener! Not only did he educate us on our retirement options, but not once did I feel like he was in it for himself. I also had a chance to meet with him one-on-one. The meeting was very enlightening, very reassuring, and possibilities of making decisions for my future. At my age there were still options available to me. Don’t wait too long. The sooner the better. You’ll be able to have a peace of mind in case of unforeseen occurrences. He also opened my eyes regarding so many jobs not offering pensions or annuities. As an employee of the school district I do have to worry about that. After meeting with Kai, I will be telling other how they can start their own type of pension. Don’t wait, call him now!"

Beverly Zangrillo - San Carlos, CA 

"Kai has made my transition into Medicare a very non-stressful event. Kai educated me so I could make the best choices for myself. I have already started receiving my insurance cards, everything has just fallen into place. Thank you!"

Marc Barone- Roseville, CA

"It is with much enthusiasm that I recommend the services of KC Independent Service Solutions. Kai Chung the owner was very professional, cooperative, patient, easy to work with and communicated effectively. He has been a game-changer in identifying and enhancing our understanding of the Medicare process, plans, codes, solutions that best fit our needs. I would sincerely recommend Kai Chung to anyone."

Colleen O'Gara, Santa Cruz CA

"What an enjoyable experience it was to meet Kai. He made "finding out about insurance plans" so comfortable and informative. Kai was friendly and explained everything so clearly. Having ADHD, I usually have a problem understanding details or sitting through explanations. Kai's way of explaining everything, including my choices made it a successful experience for me. Thank you."

Patricia & Glen Crabb, Camino CA

"After all these years (almost 10 years), I feel like there's been no time in between when talking to Kai. He talks to us as if we just met him for the first time, taking his time with us, and treating like a friend, not just a client. You just don't find that anymore. He'll even talk to me late at night explaining my concerns. Thank you so much Kai for being there for us!"

Reina Koll, ESUHSD, San Jose, CA

"If you have questions about Medicare or any kind of supplemental insurance, Kai Chung is the go-to person. He's informative, professional, courteous and patient. I spoke with him for about 45 minutes on the phone prior to our actual meeting. The meeting lasted over 2 hours and I left there with a wealth of knowledge. I was overwhelmed with the amount of information I was receiving and voiced that. He understood that and stepped back a little. He makes sure you understand everything he's explaining. If you don't understand it one way, he'll explain it another way. I am so glad I had this experience with Kai and would highly recommend him to anyone."

Tom & Joan Eschenfelder, San Jose CA

"The thought of starting medicare can be daunting. With his warm, friendly and knowledgeable manner Kai Chung made the transition easy. He explained the Medicare options available and helped my wife and I understand all those options. There's no pressure to chose any specific option. Not only does Kai have experience but he keeps himself updated on changes to the Medicare system. He walked us through the sign-up process. He communicates well through email, text and phone calls, whatever we wanted. We left feeling confident in the choices we made!"

Cindy Pullano & Daniel Kennedy, San Jose CA

"Give Kai Chung a call! I work at a school and he was referred to me by our District. We have been with him for over a year now and we are very happy. Kai EDUCATES you so you are informed in your choices. He covers the whole spectrum; Medicare, MediGap, Part D, Long Term Care, Retirement, Income vs Investments, and more. His "3D SET Process" = Simple - Educational - Transparent, will help you to understand all the complexities of this phase of our lives. It doesn't end with a signature. Kai keeps us informed and updated through e-mail or we can call him anytime with questions. My husband and I are extremely happy with Kai and the time he takes to educate his clients from the start. He is a man of integrity, as he is honest, has strong moral principles and he's passionate about helping people."

Steve Watters & Robyn Thomas, San Jose, CA

I didn't feel pressured. I felt very much informed. -Robyn
He took a process that is very hair pulling, time consuming, painful, but made it so easy. I feel so much better! I actually know what I'm getting! -Steve

Ron E. & Sadie Beck, San Jose, CA

Kai,
My wife Sadie and I were both very pleased with your customer service and knowledge of the insurance options available to us.

It has certainly been a pleasant experience working with you and we are happy to endorse and refer other potential clients to you.

Thank you Kai.

With warmest regard,
Ron E. & Sadie Beck

Alisa Galleli, San Jose, CA

Kai was very professional and knowledgeable. I'm very pleased with his conduct of business. I asked him many questions but he was very patient and never rushed me off. I felt very comfortable with him and I think making people at ease is an excellent professionalism.

Thank you very much for your help Kai.

Kevin Lyter, San Jose, CA,

Email to HR, Eastside Union School District:

Ladies, just finished my 2nd meeting with Kai Chung and getting straightened out with Medicare. Just can't thank you enough for having Kai at the District Health Fair, and getting me in contact with him, what a jewel! I wish every retiree was required to meet with Kai and learn their Medicare options.

Thanks again for your help,
Kevin Lyter

Karen Lamberto,

Kai helps me review my options every year to get the cheapest and best medigap insurance. He seems to work seven days a week, and is very detail oriented. Thanks Kai!

Pat Lam, San Jose, CA

I spent endless hours reading about the different options out there for my dad's health coverage, from websites to forums. It was a very daunting task. I had to walk away multiple times just to give my mind a break. Meeting Kai this past afternoon was a true blessing, I really wish I just spoke with him before doing research on my own. From his easy to understand hand drawn charts to his simple breakdowns, I was able to grasp all of my dad's options in half an hour!

Marti Hurd, Belmont, CA

I was hounded by several different brokers for about a year before I got a call from Kai. I was sooo confused about supplement vs. Insurance, coverage, plan A, B, C, the whole alphabet was thrown out at me. It was overwhelming. After meeting with Kai I feel like a weight has been lifted off my shoulders. The S.E.T process was such an easy way to learn about Medicare. Kai's office was quiet & private. He gave me a wealth of knowledge that made all my worries disappear. You know how you over think something when it's too easy? Well, Kai made me feel like it was so easy that I was just over thinking the whole matter. The brokers & insurance companies left out a lot of information. I couldn't have done this without Kai's help. Knowledge is power & Kai made me feel powerful again in a situation where I was feeling alone & scared.

Bell Hurd, Belmont, CA

I went with my mom to a meeting she had with Kai so she could sign up for medicare. She & I were both so confused by all the information being thrown at my mom we had no idea what to really do or where to start. Going to see Kai was such a relief. The S.E.T process is so simple to understand. It made the whole situation feel easy & gave my mom comfort that she will be covered as she gets older & will eventually need more help.

Linda Larson - Santa Cruz CA

Kai made his whole experience absolutely amazing and easy. He is not a salesman, but a teacher and really explained each part dealing with the various aspects of insurance and Social Security completely clear. It was a pleasure on every level.

J. Ortega - San Jose, CA

Kai’s presentation was outstanding, A+, very, very informative and very professional. I’ve spoken to I don’t know how many agents, yet Kai was the only one that was so personable and also volunteered to meet with me without obligation.

Angela Bode - Gilroy, CA 

Medicare was so complicated and I thank Kai for clearing it up. I have been with Kaiser for over 30 years, and my mother has been with Kaiser as well. However, I didn't know what rights I had with Medicare, and how I would assign that over to Kaiser. I didn't know the differences between Medicare Supplements or Medicare Advantage plans. My fiancé has Medicare with Tricare and can choose any Dr., and doesn't need a referral to see a specialist. Kai was able to help me see how I am able to do the same with a supplement to Medicare. He was very patient and knowledgeable. Thanks Kai!

Jay Chinoy - San Jose, CA

I have been reviewing the options for Medicare for the last 10 weeks and was in a state of 50% confusion and 50% undecided between the various options. Upon speaking with Kai within just 1 visit, Kai has clarified the pros and cons of ALL the options available, and supported me to choose the options that best suits me without being pushy. Thank you very much, Kai.

A. Herring - San Jose, CA 

Kai made a daunting and scary task easy and delightful. I have the type of personality that asks a million questions. Not only does Kai have the patience, but the ability to answer each and every question, often even before I asked it. He spent over 3 hours with us!

Patricia Planidin -San Jose, CA 

I really appreciate the time Kai took to explain the differences between Medicare and the Advantage plan. I did have another agent that sold me a plan a while ago, and what a difference Kai is. The other agent was just sell, sell, sell. Whereas Kai was more interested in teaching and was very patient. He took the time to make sure I really understood what I was getting in to. He even took the time to look up every single medication. I have over 18 medications!

Eveline Ontiveros –Watsonville, CA 

Awesome! Patient! I’ve been on Medicare since 1993. I’ve had a couple agents that I’ve worked with since I’ve been on Medicare. Kai is the only one that has explained Medicare so well to me. I finally understand it! Frankly right now you just took a load off me. I’m not stressing anymore. I have a cheaper plan now, but I’m afraid to use it. I like the fact I can call Kai at any time. Kai you are a God send!

Dwight Lawson -San Jose, CA 

Kai Chung is very knowledgeable. I am in the insurance business and thoroughly enjoyed the education and time spent with us to clarify Medicare. I would recommend Kai to anyone approaching the multitude of decisions regarding Medicare.

Patricia H. said:

Kai handheld me through the process of sorting out my Medicare options. Unlike so many experts, he never talked down to me or rattled off information that was new to me. Kai was extremely helpful in making the best decision, all the while being extremely patient and kind. Yes, Kai is a born teacher! Thank you so much for your help.

Joyce Pittman - Campbell, CA 

Kai is a heaven sent! All my worries are gone. I spoke to several agents and even Medicare directly, and there were still things I didn’t learn. Kai told the truth, the whole truth, and nothing but the truth!

Fariborz & Farzaneh Niroormandus, San Jose, CA 

I was so confused with choosing Medicare options for a long time for me and my wife. I spent countless hours, and now I realized all the confusion for all this time was answered in two minutes! I just can say I’m very lucky to have met Kai.

Gail Smith, San Jose, CA 

Kai was very accommodating, easy to understand, very helpful, and very patient! He had to explain it to me more than once! The difference with Kai is that he’s very straight forward, used plain language, and explained it well.

Chris C , Santa Cruz

Kai,
Thank you very much for your efforts on my behalf. I appreciate the integrity, honesty, and professionalism that you bring to the table. It is a pleasure to work with you.

Shirley Lintz, San Jose CA

I thank God for Kai! My little angel! I've been so inundated with Medicare information. I just started stacking it in a corner. Overwhelmed with phone calls, and people trying to sell me insurance. I stopped answering my phones now. I talked to one other person, but I felt overwhelmed with too much information and ended that call. I decided to give Kai a call. His initial call was not overwhelming, he was not pushy, and offered to help me when I was ready to give him a call. I didn't feel like he was just trying to sell me something, and seemed very knowledgeable. I felt comfortable with Kai right away on the phone. I was ready to be educated on this whole Medicare process. I like the fact he is old school and meets people in person. He layed out the plans, showed the comparisons, and it was easily understood. The experience today was wonderful! I am SO ready. Medicare, bring it! Thank You KAI!

Paul & Rita, Sacramento CA 

I just spoke to Kai on the phone yesterday, and wanted to express my gratitude. My wife was in the hospital recently for 45 days. The cost could have be huge, but we paid nothing! We were also able to get the best care possible. Kai has always been there to answer all our calls. We have been his client since 2012 and are extremely satisfied.

Alan & Evelyn Breakstone, San Jose CA

Dear Kai,
Thank you (and Joyce) for coming to my house this morning to go over Medicare. I found what you told me most informative. As you noted, I have done some homework, but your expertise helped solidify the decision I was in the process of making, that a type "F" (or "G" if it were available) Medicare supplement would be the best coverage for me. I particularly liked your discussion of the expected increases in premiums and the three categories of coverage that affect that, since I was not aware of them. Thank you for pointing out the options for Medicare part D prescription drug coverage. I will soon make a decision which route to go and e-mail you that decision so that you can move forward with the application in a timely manner. My wife and I appreciate that you took the time to discuss vision care and dental insurance as well. We will decide whether or not we want to pursue the options you explained to us and let you know. I very much appreciate that you do not push a specific solution and respect our intelligence enough to realize that we can make good decisions on our own when presented with the facts. I also appreciated that you went over the timeline for the steps I will make to sign up for Medicare.
Many thanks,
Alan Breakstone

Shirley Lintz, San Jose CA

Highly satisfied from the services received! He’s been very prompt, very loyal, and very diligent. Every call has been answered or returned. Every question has been answered. I would highly recommend him to any of my family or friends. He's a class act! I received everything way in advance, and everything is on point. Thank you from the bottom of my heart!

Chris Cracraft, Gilroy CA

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.

Joanne Justis - Los Gatos, CA 

I highly recommend Kai as the agent of choice for all of your insurance needs from Retirement Planning through Medicare and Long-Term care. He's a passionate educator, and thorough in providing you with all of the facts you'll need to know to make your final decisions. He's a one-stop shop that you can go to for the right answers.

Dennis Barrier - Gilroy, CA

Kai spent hours with me to present all of my options for signing up for Medicare and offering Retirement planning. Anyone who puts in that much time initially says a lot about that individual. He truly cares about each individual as if they were family members. Professional, thorough, and caring. That's why I've chosen Kai as my insurance agent for my long-term needs.

Carlos Ramon - San Jose CA 

I found meeting to be very informative very helpful.

Carol Newton - Aptos, CA 

"I am not one of Kai's clients, however, I truly like the way he does business. He valued me and was not intrusive unlike other local agents I've encountered. Once I retire, I will be calling him for sure."

Makoto Ohashi -San Jose 

I was very confused at fist, so overwhelmed. Kai is very knowledgeable and gives the comparisons needed. I am now clear on the differences between the Advantage plans vs. the Medicare Supplement plans. I read a lot of information, but it just gave overall information and unfortunately did not have clear information or detailed information.

Bob & Suzanne Peters

Kai is always clear, concise and prompt but always takes the time to answer all questions we have. We are very satisfied with him and his services.

Tina 

We were referred to Kai through a friend, hoping to find the best health plan to fit our needs. I called him in the evening, giving him the pertinent information, and he returned my call at 8 am the next morning with the information we needed. He compared our plan to other plans, and it turned out our current plan best fits our needs, and he advised us to stick with it. He was very helpful and extremely knowledgeable about the different health plans.

Peter Hatch, Watsonville CA retired from Pajaro School District

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.

Peter & Diane

Kai has been there each step of the way on our journey thru the medicare and retirement situation. We trust him to protect our interest every step of the way. H will do the same to protect your interest.

Theresa

Earlier this year I had signed up for health insurance through Covered Ca and was very unhappy with my coverage and doctors. I ended up callencing my policy. When it came time for open enrollment I was confused and unsure what would be the best choice for myself and my family. Kai throughly explained my options and what the best choice would be. He is very knowledgeable and courteous I am thankful for his advice and guidance.

Marilia Andrade, San Jose

I was very pleased that he was very informative and detailed. He is very honest, I highly recommend him. -2013
Top Qualities: Great Results, Expert, High Integrity

Suzanne 

Kai was very nice at going to the medicare website for me and making sure I am covered by part D. For this I thank him, Suzanne

Donna Beach, Capitola

I couldn't be more pleased with the information and service Kai provided me. He is extremely knowledgeable about all phases of insurance and directed me to the ideal provider and plan. Things are explained fully and clearly. Also, he is prompt to respond and very friendly and kind.

Lois & Greg, San Jose

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.

Irene

He has a gift of teaching moreso than selling. He takes the time to teach prospective clients the system they will soon be a part of with distinct definition what is meant in each and every option. He works toward educating the person ultimately over what he will gain by it. And he doesn't drop the client once the signatures are in place. His follow-up attentive is great.

Pam 

Kai is extremely helpful and works with individuals like you are his only client. Will answer e-mail or phone calls to answer any question simple or complex. Very personable.

Vince & Julie Cendejas-Pajaro School District 

Kai has taken a load off my shoulders, and made a confusing thing more understandable. I feel better and at ease. I like his teaching methods. He takes his time and is very professional.