Withbert (“Bert”) W. Payne, CPA, CGMA, FCA (England & Wales), is the Founder of Insurance Review Services and an independent specialist in Life Insurance, Long-Term Care Insurance, Disability Insurance, and Annuities.
For more than 50 years, Bert has helped families, professionals, physicians, attorneys, business owners, CPAs, and retirees make informed insurance decisions through objective, independent policy reviews.
After qualifying as a Chartered Accountant with Price Waterhouse in London, Bert spent 7 years with Blue Cross before serving as an Internal Audit Manager at CNA Life Insurance Company. This unique background in accounting, health insurance, and life insurance enables him to evaluate existing policies from both financial and insurance perspectives.
Unlike advisors who represent a single insurance company, Bert is completely independent. His reviews help clients understand exactly what they own, identify unnecessary risks, and determine whether newer products or strategies could provide stronger protection or greater value.
His reviews are educational, confidential, and completely free of sales pressure.
Bert also brings deep Medicare reimbursement expertise from his years as President of Starcare International, Inc., a company that specialized in Medicare reimbursement appeals for hospitals throughout the United States.
A Family Tradition of Service
Although Bert did not serve in the military, service has been part of his family’s history for generations. His grandfather, Walter Arnold Payne, served in the British Army in India. That tradition continues today through his nephew, Todd Payne, who serves in the Royal Australian Air Force in Brisbane, Australia.
Bert is honored to support the HelpVet community by helping veterans and their families understand Life Insurance, Long-Term Care Insurance, Disability Insurance, Medicare, and retirement protection so they can preserve the financial security they worked so hard to earn.
What Sets Bert Apart
Designations, Certifications & Associations
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The information provided on this profile is for general informational purposes only and should not be considered financial, legal, tax, or insurance advice. Insurance products, availability, costs, features, and benefits may vary by state, carrier, and individual circumstances. Insurance Review Services does not offer every plan or policy available in every area. Any insurance or financial decisions should be made in consultation with a qualified professional who understands your specific needs, goals, and situation. No coverage is guaranteed unless and until an application is approved and a policy is issued by the insurance carrier. © 2026 Insurance Review Services.
1044 Reviews
I had an existing policy I hadn’t looked at in years. Bert reviewed it, identified a coverage gap I wasn’t aware of, and compared three alternatives — all at no charge. That kind of objective analysis is genuinely rare. ~ Retired Executive, Contra Costa County ~
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