Withbert (Bert) Payne, CPA, CGMA, FCA

Insurance Review Services is a Life Insurance brokerage specializing in optimizing insurance portfolios consisting of Life, Disability, Long Term Care, Business Ins. - Buy-Sell and Key Person, and Trust Owned Life Insurance in an ILIT. With over 200 insurers introducing competitive products, an independent professional should evaluate an insurance portfolio for optimization.

A life insurance policy could have substantial intrinsic value that can be capitalized upon. Our evaluations result in an optimization rate between 30 and 40% without a premium increase. In a recent evaluation, we increased the death benefit by $3.8 million with virtually NO increase in premiums. 

For a preliminary assessment of a policy, all we need is the INFORCE ILLUSTRATION you should receive annually from the policy's insurer to help you monitor your policy's performance. 

Please contact us with any concerns.