From LinkedIn · Insights from Bert Payne · 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.
I am very selective about the strategies I recommend. This design continues to stand out for many successful professionals and business owners because it combines several valuable features.
Lifetime benefits
Combined LTC benefit ($20,000 per person)
One-time funding
Cash value from day one
Potential tax advantages, where applicable
Illustration
If long-term care is never needed, beneficiaries receive a $480,000 death benefit, generally income-tax-free, subject to applicable tax rules.
One of the principles that has guided my career is simple.
A long-term care plan should provide value whether you need care — or never need it.
Every family's circumstances are different, so the right solution depends on health, age, assets, tax situation, and objectives. Independent analysis is essential before making any recommendation.
Request a personalized illustration built around your health, age, assets, and objectives.
Request Your Personalized IllustrationWithbert (Bert) W. Payne, CPA, CGMA, FCA · (925) 708-6501
[email protected] · LTCCPAs.com
This is a solicitation for insurance. This material is educational and is not tax, legal, or accounting advice; consult a qualified professional regarding your specific situation. Insurance benefits are subject to underwriting and policy terms. Figures shown are illustrative for a healthy 50-year-old couple and will vary by carrier, health, age, and design. Tax treatment is generally income-tax-free, subject to applicable tax rules; C-Corporation advantages apply only where applicable.
