Website Terms of Use
Insurance Review Services · San Ramon, California · Effective August 2, 2026
Welcome to LTCCPAs.com, operated by Insurance Review Services. By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and by our Privacy Policy. If you do not agree with these Terms, please discontinue use of the website.
This website is an advertisement and a solicitation for insurance in the State of California. If you request a policy review, an illustration, or a quote, a licensed insurance agent will contact you.
This summary is provided for convenience only. The numbered sections below are the operative Terms.
Your use of this website constitutes your acceptance of these Terms of Use. Insurance Review Services may modify these Terms at any time without prior notice. Your continued use of the website following any change constitutes your acceptance of the revised Terms. These Terms were last revised on the effective date shown above.
This website provides general educational information regarding:
The information is provided solely for general educational and informational purposes. Nothing on this website constitutes individualized insurance, accounting, tax, legal, medical, investment, or financial advice, and your use of this website does not create a contract of insurance or an insurance policy.
Use of this website does not, by itself, establish:
A professional relationship begins only after an engagement has been agreed and accepted in writing by Insurance Review Services.
Insurance Review Services provides independent, carrier-neutral insurance evaluations designed to help clients understand the coverage they already own and consider opportunities that may improve protection or efficiency.
Any recommendation depends upon the client’s individual circumstances, objectives, financial qualifications, underwriting eligibility, state of residence, and the products available at the time of review.
No insurance carrier pays Insurance Review Services to recommend one company over another.
When a policy is placed, Insurance Review Services is generally compensated by commission paid by the issuing insurance company. Commission does not increase the premium you pay. Life and long-term care insurance premium rates are filed with the California Department of Insurance and are the same whether a policy is purchased through this practice, through another licensed agent, or directly from the insurer.
Where an engagement is instead performed for a fee, the fee is agreed in writing in advance. No carrier pays for placement, priority, or endorsement on this website.
Insurance products are not guaranteed to be available. Approval depends upon numerous factors, including:
Products, premiums, benefits, riders, underwriting requirements, policy provisions, and carrier practices may change without notice. Nothing on this website is an offer to insure, and no coverage is in force unless and until a policy has been issued and delivered by the insurer and the required premium has been paid.
Examples, illustrations, premium comparisons, and case studies shown on this website are presented solely to explain insurance concepts. They are representative only and are not a promise, projection, or guarantee of the results any individual will obtain.
Benefits, premiums, underwriting results, tax treatment, policy values, and product availability vary by insurer and by individual circumstances. A current, personalized carrier illustration should be obtained and reviewed before making any insurance decision.
Any figure shown on this website is non-guaranteed unless it is expressly identified as guaranteed. Past performance, prior client results, and sample outcomes do not guarantee future results.
Although Withbert W. Payne is a Certified Public Accountant, any tax or accounting information presented on this website is general in nature and is not a formal opinion, engagement, or attestation.
The tax treatment of premiums, benefits, policy values, loans, withdrawals, and death benefits depends upon individual circumstances and applicable law, and tax laws and interpretations change. Visitors should consult their own CPA, attorney, or tax adviser before making a tax or financial decision.
This website discusses long-term care, chronic illness, cognitive impairment, activities of daily living, and related health matters for educational purposes only. Nothing on this website should be interpreted as medical advice. Medical and health care decisions should be made in consultation with qualified health care professionals.
Insurance Review Services strives to provide accurate and current information. However, insurance laws, tax regulations, policy provisions, underwriting practices, carrier financial strength ratings, care costs, and product availability change over time.
No guarantee is made that every statement, example, rate, cost, or product description remains current, complete, or applicable to a particular visitor. Carrier financial strength ratings are subject to change and are the opinions of the rating agencies that publish them, not of Insurance Review Services.
Withbert (Bert) W. Payne, CPA, CGMA, FCA, is a licensed insurance agent in the State of California.
California Insurance License No. 0E90257
Insurance products are offered and solicited only in those jurisdictions in which the appropriate licenses and carrier appointments are held. Nothing on this website is an offer to transact insurance business in any jurisdiction where Insurance Review Services is not licensed. Not all products described on this website are available in every state.
Insurance Review Services is a private business. This website is not connected with, endorsed by, or approved by Medicare, Medicaid, Medi-Cal, the California Department of Health Care Services, the California Department of Insurance, the California Department of Aging, the Social Security Administration, or any other federal or state agency or program.
Independent counseling is available at no charge.
The Health Insurance Counseling and Advocacy Program (HICAP) provides complimentary health insurance counseling to California seniors. The statewide HICAP telephone number is 1-800-434-0222. A long-term care insurance shopper’s guide is published by the California Department of Aging.
If you submit a contact form, request a review, or send an email through this website, you consent to be contacted by Insurance Review Services at the telephone number or email address you provide, for the purpose of responding to your inquiry. You may withdraw that consent at any time by telling us so.
Please do not send confidential, medical, or financial account information through an unencrypted email or web form. Communications sent through this website are not secure and are not privileged.
Instructions to apply for, bind, change, reinstate, claim under, or cancel coverage are not effective if sent through this website. Coverage instructions must be given to the insurance company in the manner the policy requires.
Our separate Privacy Policy explains how information submitted through this website may be collected, used, retained, shared, and protected, how this website responds to browser Do Not Track signals, and what rights California residents may have with respect to their personal information. The Privacy Policy is incorporated into these Terms by reference and governs your use of this website alongside them.
Insurance Review Services intends this website to be usable by visitors of all abilities and works toward conformance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. Accessibility is treated as ongoing work rather than a finished state.
If you encounter a barrier on any page, or need information on this website provided to you in another format, please telephone (925) 708-6501 or write to withbert.payne@insurance-review-services.com and we will provide the information to you by another means and work to correct the page.
All website content — including articles, reports, blogs, graphics, illustrations, checklists, calculators, case studies, downloadable materials, and educational resources — is owned by Insurance Review Services or used with permission, unless otherwise stated. Carrier names, product names, and third-party marks referenced anywhere on this website remain the property of their respective owners.
No material may be copied, reproduced, modified, distributed, republished, or commercially used without prior written permission.
Visitors agree not to:
Certain educational materials on this website are prepared with the assistance of artificial intelligence technology during research, organization, editing, or drafting.
All content is reviewed by Withbert W. Payne, CPA, CGMA, FCA, before publication. Artificial intelligence is not used to evaluate an individual’s coverage, to underwrite, or to make a recommendation. Visitors should nevertheless independently verify information before relying upon it for an insurance, tax, legal, financial, or medical decision.
This website may contain links to third-party websites, and may cite or summarize third-party research, surveys, cost studies, and government publications, for convenience and additional information.
Insurance Review Services does not control, endorse, or assume responsibility for the content, accuracy, security, availability, or privacy practices of any external website or third-party source. The inclusion of a link or a citation does not constitute an endorsement.
This website and its contents are provided “as is” and “as available” without warranties of any kind, either express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Insurance Review Services does not warrant that the website will be uninterrupted, timely, secure, or error-free.
To the fullest extent permitted by law, Insurance Review Services shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from the use of this website or from reliance upon its contents.
You agree to indemnify and hold harmless Insurance Review Services and Withbert W. Payne from any claim, loss, or expense, including reasonable attorneys’ fees, arising out of your misuse of this website or your breach of these Terms.
Insurance Review Services may revise these Terms of Use at any time without prior notice, and may change, suspend, or discontinue any portion of this website at any time. Continued use of the website after changes are published constitutes acceptance of the revised Terms.
These Terms shall be governed by the internal laws of the State of California, without regard to its conflict-of-law principles. Any dispute arising from the use of this website shall be subject to the exclusive jurisdiction and venue of the state or federal courts serving Contra Costa County, California.
If any provision of these Terms is held unenforceable, that provision shall be limited or severed to the minimum extent necessary and the remaining provisions shall continue in full force. A failure to enforce any provision is not a waiver of it. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Insurance Review Services regarding your use of this website. Section headings are for convenience only.
Withbert (Bert) W. Payne, CPA, CGMA, FCA
Insurance Review Services
3150 Crow Canyon Place, Suite 100 · San Ramon, CA 94583
Telephone: (925) 708-6501
withbert.payne@insurance-review-services.com
LTCCPAs.com
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