Tobe Gerard, CLTC, MBA, MLS, LIA

logo Tobe Gerard entered the insurance industry more than 35 years ago in a highly unusual way – through her work as a librarian! When she served as head librarian at the prestigious Insurance Library Association of Boston, she realized that she discovered a new passion. She loved insurance more than she loved being a librarian!

Since 2000, Tobe has committed her professional life to helping people manage the risk of needing extended long term care.

Because of her strong belief in independent insurance agencies, as well as her knowledge that one size doesn’t fit all when it comes to insurance, she has always represented at least eight long term care insurance companies.

She has been a national educator on the topic of long term care insurance, and an active champion for smart insurance reform on both the state and national level (more on that below).

Tobe earned the leading long term care insurance designation, the CLTC (Certified in Long Term Care), in 2001.

She became a faculty member of The National Alliance (Austin, TX) in 2004 and taught long term care insurance in their James K. Ruble program throughout the country through 2010.

She earned her LIA (Licensed Insurance Advisor) license in 2013 that allows her to act as an adviser on a fee for service basis.

Tobe served as a Board member of the Massachusetts Association of Health Underwriters from 2005 through 2013. As the chairperson of their Long Term Care Insurance Committee, she lobbied energetically for long term care insurance rate stabilization in MA. She also served on the LTC Advisory Committee for the National Association of Health Underwriters from 2007 through 2014, and was a regular contributor to their LTC Messenger newsletter.

Prior to starting her agency, she was Director of Agency Services for the Professional Insurance Agents of New England and their successor organization, responsible for the recruitment and retention of all Association members, as well as the sale of all of the Association’s insurance products.

A strong believer in giving back and paying it forward, Tobe has served on a numerous boards within her local community over the past 30 years.


Nicole Wozniak, Client Services Manager

nicoleNicole 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?
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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.