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.


Tobe is an exceptional professional with deep knowledge and commitment to her clients. She is a woman of uncompromising integrity and I recommend her without reservation. I’ve recommended her to my own clients, and the best recommendation I can give her is that she also wrote the LTC policy for my Mom.
Gloria Cole