Short, practical notes on long-term care and life insurance planning, posted regularly by Withbert (Bert) W. Payne, CPA, CGMA, FCA.
Published August 10, 2026
One of the largest financial contracts a family will ever own usually sits untouched in a drawer for decades. What to ask for before you buy, the traps that look cheap and prove expensive later, the value already sitting unused inside most policies — and why a policy written a generation ago is rarely competitive today.
Read the full article →Published August 10, 2026
Insurance companies insure health, not hope — and a child’s health can change in an instant. Why the youngest, healthiest moment is the best time to establish coverage, what closes the door on it later, which designs are available before and after age 18, and the misconceptions that keep families from acting.
Read the full article →Published August 9, 2026
Most successful families spend decades building wealth, yet the risk most capable of erasing it rarely reaches the agenda. What a prolonged care event actually costs, why Medicare and self-insurance fall short, how modern designs differ from the policies people remember — and why timing decides the whole thing.
Read the full article →Published July 23, 2026 · Updated July 23, 2026
Long-term care insurance is one of the few financial decisions where the wrong solution can cost far more than the premium. A look at a design that continues to stand out for successful professionals and business owners — and why every family's situation is different.
Read the full article →New posts are added regularly. Check back soon for the next installment.
For further information, please reach out.
