About
Independent Life & Long-Term Care Insurance Analyst
Independent life and long-term care insurance reviews for partners at the Big 4, executives, physicians, attorneys, business owners, and affluent families.
★ 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 (FCA), and a former Price Waterhouse auditor 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 starting with a new insurance 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.
Every recommendation begins with one question:
“Is your existing coverage already the best solution?”
Sometimes the answer is yes. Sometimes it is surprisingly not.
Independent Analysis. Personal Attention. CPA Discipline.
Insurance policies often remain untouched for decades. If your CPA treated your financial statements that way,
you would probably hire a new CPA.
Professionals who value disciplined financial oversight
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-illness and living benefits clients did not know they owned.
More efficient use of the capital already committed.
Often, these reviews reveal opportunities to increase protection without a material increase in premium.
One recent review substantially increased a client’s guaranteed death benefit without a material increase in premium. Every situation is different — but objective reviews frequently uncover opportunities that policy owners never knew existed.
My career combines public accounting, insurance-company management, Medicare reimbursement auditing, and more than a decade specializing in life insurance and long-term care planning.
| 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) |
I am honored to serve as an Appointed HelpVet Advisor (2026–2028). Through HelpVet, 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.
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 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) 708-6501
Prefer to begin online? Access the secure application.
This website 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 shown are for illustrative purposes only and are not guarantees of future performance. Results will vary based on individual health, age, carrier underwriting, and policy design. Insurance decisions should be coordinated with your tax, legal, and financial advisers when appropriate. All consultations are complimentary.
