508-653-8110 or 413-245-1501

Tobe Gerard, CLTC, MBA, MLS

Tobe founded her agency because of her family experience with caregiving, which engrained in her a deep belief that long term care insurance planning is one of the most important parts of retirement planning. Her agency has always been independent, and represents multiple insurers. Many leading financial and legal professionals throughout the United States refer their clients to Tobe Gerard Insurance.

Tobe’s father needed 4 years of long term care; her mom needed 10 months. The sacrifices made by the family resulted in Tobe thinking there has to be a better way. “We have mandated insurance coverage for autos and homes,” Tobe says, “People should understand what their choices are regarding planning to pay for care well in advance of a crisis.” Decades later, helping clients make an informed decision about long term care insurance remains her agency’s unwavering goal.

In addition to being a highly-credentialed long term care insurance professional, Tobe has lobbied for rate stabilization, been a national faculty member for the James K. Ruble program, and has served on numerous community boards. She has been a Rotarian for over 15 years, and currently serves as chairperson of the Scholarship Committee for the Southbridge, MA chapter.


Tobe and her team do not believe in a one-size-fits all approach to insurance, and instead focus on tailoring the best long term care protection for each client. The process starts with an online health pre-qualification form to determine what options are likely available, and continues with quotes from a variety of companies, all customized to the client’s situation.

Tobe and her team look forward to working with you!


Nicole Wozniak, Client Services Manager

Nicole joined Tobe Gerard Insurance, LLC in 2012. Nicole started her career in the long term care insurance industry in 2002 as an issue analyst with John Hancock. In that role, she reviewed and processed long term care insurance applications. While at John Hancock, she also received her CLTC (Certified in Long Term Care) and LTCP (Long Term Care Professional) designations. From 2005 to 2011, Nicole worked for The McAree Company, a general agency that specialized in long term care insurance. In that role, she worked directly with insurance agents and financial advisors to serve as their internal support for underwriting questions, proposals, and other related assistance.

Have you worked with us?
Please send a testimonial.


In the past 45 years, we have dealt with dozens of agents and representatives for my legal, economic and other needs. As we reflect on the quality of service that we have received, we can say, without reservation, that Tobe Gerard was the best of them all. When we needed advice concerning Long Term Health Care, we were fortunate to find Tobe Gerard. She is knowledgeable, trustworthy, focused on the needs of the client above all other considerations, and a very nice person to work with. Thank you Tobe!
Jack and Sue HeidbrinkBurlington MA