508-653-8110 or 413-245-1501

Tobe Gerard, CLTC, MBA, MLS, LIA

Tobe Gerard founded and runs a boutique insurance agency that helps people obtain Long Term Care Insurance protection.

Because of her strong belief in the value of independence, as well as her knowledge that one size doesn’t fit all, she has always represented numerous long term care insurance companies.

Long term care consumer advocate and educator

As the chairperson of Massachusetts Association of Health Underwriters Long Term Care Insurance Committee, she lobbied for long term care insurance rate stabilization in MA.

She served on the LTC Advisory Committee for the National Association of Health Underwriters from 2007 through 2013.

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.

Tobe earned the CLTC (Certified in Long Term Care) in 2001.

In addition, Tobe has served on a numerous boards over the past 30 years.

How We Work

We believe that planning for long term care is one of the most important parts of retirement planning.

Our process focuses on tailoring the best protection for each individual.  It starts with an online health pre-qualification to determine what options are likely available, and continues with quotes from a variety of companies, tailored to the clients’ situation.

We are committed to providing clients with the information they need to make an informed decision about which long term care insurance policy to put in place.  We 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.


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