Read more from the 2019 National Long Term Care Insurance Price Index published by the AALTCI
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Tobe was a pleasure to work with right from the beginning. She quickly responded to our initial outreach by visiting us to understand our needs and to provide us with educational material so that we could begin the process of learning about long-term care insurance. She demonstrated boundless patience (!) and maintained her sense of humor with our endless myriad questions and concerns, always making time to talk until we felt we had come to the best decision. She was very accommodating and her willingness to chat by phone or via email as many times as we needed was above and beyond, often responding off-hours. Tobe was invested in making sure we were well informed and did her best to research any questions she could not answer right away. Tobe is a wonderful educator. Her clarity and thoroughness enables her to explain concepts in a very clear and concise manner; she made what could be a daunting menu of benefits and combinations easily discernible. She was honest and forthright when she felt we were going astray or looking at aspects of policies that may not be in our best interest. At the same time, she was always respectful of our particular concerns, needs, preferences and hesitations. Understanding the nuances of the products and benefits and helping us to foresee the future while making us comfortable with our decisions (so that we could finally make a decision!) is what we appreciated most. She shared her history with the long term care insurance industry in such a way that we felt comfortable navigating the news stories, others’ skepticism, and our own fears about making such a long term financial commitment. Ultimately, with Tobe’s professional and skilled guidance, we were able to confidently choose a policy that seems like the right fit for us.
Deborah Issokson and Liane BrombergHull, MA
Tobe was an absolute delight to work with. She was a consummate professional who provided me with a comprehensive summary of Long Term Care insurance, including an honest assessment of which company, program and policy features AND benefits might work best for our family. She was a wealth of information, responsive to my many questions, and patient as I researched Long Term Care Insurance and ultimately purchased a policy. I’m glad I did, and am so pleased that I purchased it through Tobe Gerard Insurance, LLC!
Rob WarnerMarblehead, MA
Tobe Gerard Insurance has been an incredible resource in setting up a Long Term Care Insurance policy for my out of state father. My insurance agent for other policies referred me to Tobe Gerard Insurance because he knew of her expertise in LTC Insurance. I was delighted to find that not only was she indeed an expert, but she was patient, kind and thoughtful throughout the process. Tobe Gerard Insurance answered all of our questions, gave us time to digest the information, and always followed up and responded promptly. Tobe made herself available to meet in person, to have discussions over the phone, and to correspond via email. Tobe Gerard Insurance provided options and quotes for various policies while explaining every detail (sometimes multiple times, as we tried to remember all of the policy parameters) with kindness, professionalism, and patience. Tobe took time to ask and learn about my family and my parents’ situation. She took their specific health needs into consideration and explored different coverage scenarios with us. At no time did we feel any pressure from Tobe – just respect and support to help us find the best fit in a policy. Tobe Gerard Insurance provided expertise not only in LTC Insurance generally but in specific laws and regulations in another state (Wisconsin), where my parents reside. This was tremendously helpful. Tobe Gerard Insurance was also able to see us completely through the process (to policy purchase and activation) since Tobe maintains an active license for Wisconsin. I look forward to continuing to work with Tobe Gerard Insurance, and I recommend her without hesitation.
Connie H.Lexington MA
I am a former commercial casualty-property insurance broker, now retired from a national brokerage firm. I first met Tobe when she was a Long Term Care instructor at a Certified Insurance Counselor seminar I attended about eight years ago. I was impressed with her knowledge of LTC Insurance, as well as her ability to convey information in a clear and concise manner to the class, and keep it interesting. So, when I was finally ready to purchase LTC Insurance, Tobe was foremost in my mind, even though I know good local agents I could have also consulted about this product. Once I started working with Tobe, I realized that, not only was she exceptionally knowledgeable about LTC Insurance, and could explain it very clearly, but she was also very thorough, extremely responsive to my questions, and had very quick turn around on items she needed to check into. And, I discovered that she really cared about me and the protection she felt I needed. And, a plus, she is truly a very, very nice person.
Tobe Gerard is a true professional in the sense of striving to understand the client’s concerns and placing the client’s best interests first, and in her continual professional interest in the Long Term Care insurance industry. I have worked with Tobe for the past 4 years on LTC cases for my insureds and am always impressed with not only her knowledge but also her ability to listen and relate to people.
Chip BoyntonBoynton Insurance Agency, Needham, MA
Long term care insurance was the furthest thing from my mind before an estate planner recommended that my husband and I consider it in order to protect our assets if we ever needed long term care. I wasn’t keen on imagining myself in a situation that would require long term care, but just to cover all bases, we met with Tobe — and then put off thinking about it for another year. At that time, Tobe made me aware of changes in various company policies that impacted women and the type of coverage I might want. I decided to apply and she guided me through myriad questions in a clear, timely, and thorough way, never being directive about particular companies, always focused on listening to what was most important to me. The application process can be difficult at various points – it can seem as if your health is called into question as you make your way through endless checklists of symptoms – but Tobe kept it upbeat, gave good guidance, and actually made it pleasant. When the process was complete and I had my policy in hand, I was sorry we had to part ways. In short, Tobe is terrific and great to work with – I would highly recommend her to anyone purchasing a policy or even to someone simply wanting to explore why LTCI might be a good idea.
An anonymous but grateful clientNewton, MA.
I have known Tobe Gerard in both professional and personal capacities for 10 years. Tobe is professional, intelligent, insightful, conscientious, thorough, and caring. Although I had a previous opportunity to purchase an employer-sponsored Long Term Care insurance plan, I chose to purchase through Tobe instead. Tobe presented me with an excellent range of options, patiently walked my husband and I through them (several times), promptly provided any further information we requested, and carefully discussed the pros and cons of each plan and variable. She (again, patiently!) answered my questions on filling out the application and kept us updated about its’ progress. When the insurance company wanted additional information and I was unable to respond due to a family emergency, Tobe smoothed the way for me. I could not possibly recommend anyone more highly than I recommend Tobe Gerard.
Andi SternTulsa, OK
I want to thank Tobe Gerard for her devoted patience and guidance throughout our time together in securing a LTCI policy for me. She was extremely knowledgeable about all of the different types of policies that were available in the market today. She was always very responsive to all of the follow-up questions that I might have had. 6 years prior I had been introduced to Tobe through my financial provider. Many of his clients, including himself, were LTCI policy holders through Tobe and her team. At that point in time, life had seemed to have gotten in the way and I didn’t secure a policy, but I had not forgotten her efforts in presenting all of the different options to me back then. Moving forward 6 years, I had a very close family member that was going through a medical situation and there was no LTCI policy. I can tell you through this experience that it wasn’t pleasant finding out that traditional medical insurance does not provide many of the securities that one might need in the future. this experience was the immediate reason that I reached out to Tobe again. From start to finish the process was very easy. We had a few meetings together to start the process. Then there was the research stage where we talked about the various options. I had some questions that came along and Tobe answered them all. With Tobe’s guidance we looked at which policies could fit my situation best and I decided upon one. Once Tobe delivered the policy it produced a feeling of great happiness and security knowing that I was adding this layer of protection for me and my family. I truly recommend Tobe Gerard with all of your long term care needs. Thx Tobe…
Kevin DonaseFoxboro, MA
Tobe Gerard is nothing short of a miracle worker. After months of struggling to rescue a long-term care application from one provider’s rejection pile, Tobe found me and my wife an alternative, high-quality provider with essentially the same policy and for a substantial discount. What’s more, she’s a super communicator who will walk you through the gobbledygook lingo of the insurance world.
Robert Brown and Delia CabeBelmont, MA
Thank you very much for speaking with us and reviewing our policies with us. It is a relief to know that we have a good policy for each of us and we plan to keep them. We were impressed with your knowledge on the subject. The conversation was very helpful to us.
Attorney, Arlington MA