Independent · Fee-Free · CPA-Level Expertise
Withbert W. Payne brings 25+ years of LTC insurance experience and decades as a CPA to every engagement — comparing the full market, with no obligation to any carrier.
Why Choose Bert Payne
Most insurance agents represent a single carrier — their recommendations reflect what they sell. Bert Payne is different. As an independent broker, his only obligation is to you.
All consultations, policy illustrations, and carrier comparisons are 100% complimentary. There is never any cost to you at any stage of the process.
Bert personally reviews every case himself — not a junior associate, not an algorithm. You receive decades of financial expertise applied directly to your situation.
As an independent broker, Bert represents no single carrier. He compares the full market and recommends what is best for you — full stop.
With a background spanning audit, carrier-side roles, and hospital consulting, Bert brings analytical rigor that most insurance brokers simply cannot match.
"I have no obligation to any insurance company. My only obligation is to my client."
— Withbert W. Payne, CPA, CA, CGMA
LTC insurance planning and sales across three core disciplines.
Long-term care insurance design and sales — including asset-based policies, hybrid products, and lifetime benefit structures for individuals and couples.
LTC insurance solutions structured for business owners, including executive benefit programs and C-corporation funding strategies that may make premiums fully deductible.
Personalized one-page illustrations showing your exact premium, monthly LTC benefit, and guaranteed death benefit — across multiple carriers, at no cost.
A straightforward three-step process — simple, thorough, and completely free.
Bert assesses your financial picture, health profile, and long-term care goals — identifying the right coverage structure, benefit level, and carriers for your specific situation.
He designs an optimized coverage strategy tailored to your health profile, assets, and objectives — drawing on the full market rather than a single carrier's offerings.
Bert coordinates with carriers, attorneys, and financial advisors to implement your plan — handling the details so you don't have to.
Clients who benefit most from independent, CPA-level LTC planning and guidance.
Senior professionals seeking sophisticated LTC strategies that integrate with deferred compensation, stock options, and complex benefit structures.
Families with significant assets who need estate-efficient LTC coverage — including single-premium and asset-based policies that preserve wealth across generations.
Entrepreneurs and business owners looking to fund LTC premiums through C-corporations, structure executive benefits, or protect key personnel.
Attorneys, CPAs, and trustees responsible for a client's financial well-being who need an independent second opinion on existing LTC coverage.
Explore our educational resources to make informed decisions about long-term care planning.
This website is for informational purposes only and does not constitute an offer or solicitation to sell insurance products. Insurance products and availability vary by state. Withbert W. Payne is a licensed insurance broker (CA License No. 0E90257). Policy illustrations and hypothetical results shown are for illustrative purposes only and are not guarantees of future performance. Results will vary based on individual health, age, carrier underwriting, and market conditions. All consultations are complimentary. This is a solicitation for insurance.