About
Independent Life & Long-Term Care Insurance Analyst
Independent life and long-term care insurance reviews for partners at the Big 4, corporate executives, physicians, attorneys, business owners, trustees, and affluent families. Every review is personally conducted. Nothing is outsourced, and a sales quota never drives a recommendation.
Price Waterhouse, London · CPA (California) · CGMA · FCA (England & Wales) · CA License No. 0E90257
★ Appointed HelpVet Advisor (2026–2028)
Most financial assets are reviewed regularly. Insurance portfolios are often left untouched for years. As a California CPA, a Fellow of the Institute of Chartered Accountants in England & Wales, and formerly of Price Waterhouse in London, I apply the same independent, audit-grade discipline to life and long-term care insurance that auditors apply to financial statements.
Rather than beginning with a new proposal, I begin with the policies you already own. That independent approach frequently identifies opportunities to strengthen guarantees, enhance living benefits, reduce unnecessary long-term costs, improve capital efficiency, and preserve family wealth.
“Is your existing coverage already the best solution?” Sometimes the answer is yes. Sometimes it is surprisingly not.
Life and long-term care policies are frequently purchased, filed away, and forgotten. Years pass, families change, and the policy quietly stops matching the plan it was bought to support. An older policy may contain:
None of these are visible from a premium notice. They are visible from the policy itself — and from the illustrations behind it.
Independent Analysis. Personal Attention. CPA Discipline.
If your CPA left your financial statements untouched for decades, you would probably hire a new CPA. Your insurance deserves the same discipline.
Professionals and families who value disciplined financial oversight.
Traditional, hybrid, and asset-based long-term care strategies; lifetime benefits; joint coverage; inflation protection; tax-efficient funding; and alternatives to leaving your own capital exposed to an extended care event.
Term, whole life, universal life, indexed universal life, guaranteed coverage, policy conversions, living benefits, and policy optimization.
Review of trust-owned policies, beneficiary structures, premium obligations, guarantees, and alignment with the estate plan.
Business-owned insurance, succession planning, key-person coverage, executive benefits, disability income protection, and potential business tax considerations.
Most, however, contact me for one reason above all: an independent second opinion before a decision that is difficult to reverse.
Guarantees that can be reinforced or extended.
Ways to reduce unnecessary long-term premium exposure.
Missing protection — or duplicate coverage paid for twice.
Older policies quietly underperforming or in danger of lapsing.
Chronic, critical, and terminal illness benefits owners did not know they had.
More efficient use of the capital already committed.
Often, a review reveals an opportunity to increase protection without a material increase in premium.
A recent analysis substantially increased a client’s guaranteed death benefit without a material increase in premium. Every situation is different — but objective reviews frequently uncover opportunities policy owners never knew existed.
| Organization | Role |
|---|---|
| Price Waterhouse, London | Auditor |
| CNA Life Insurance Company | Internal Audit Manager |
| Blue Cross of Northern California | Audit Manager |
| Starcare International | Founder & President |
| New York Life | Agent |
| Insurance Review Services | Founder & Principal (2012–present) |
As an Appointed HelpVet Advisor (2026–2028), I provide complimentary, objective insurance reviews to veterans and their families — helping them better understand the life insurance and long-term care protection they already own, and whether it continues to serve them well.
My role is not simply to recommend insurance. It is to help clients make informed financial decisions through disciplined, CPA-level analysis.
Whether you are reviewing an existing life or long-term care policy, evaluating long-term care planning, or would like an independent second opinion, I would be glad to help. I manage every inquiry personally.
(925) 708-6501withbert.payne@insurance-review-services.com
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Request a Complimentary ReviewThis page is for informational purposes only and does not constitute personalized insurance, legal, or financial advice. Insurance products and availability vary by state. Withbert W. Payne is a licensed insurance broker (CA License No. 0E90257). Policy illustrations and hypothetical results are shown for illustrative purposes only and are not guarantees of future performance. Results will vary based on individual health, age, carrier underwriting, and policy design. Death benefits are generally income-tax-free; insurance decisions should be coordinated with your tax, legal, and financial advisers when appropriate. All consultations are complimentary and without obligation. This is a solicitation for insurance.
