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?
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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