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.

Tobe Gerard listens, cares, and wants the very best for you. We think the best of her as she has demonstrated her best with and for us. End-of-time planning requires sensitive and professional management. Tobe has the gifts and the talent for making these plans a reality.

Nine years ago my family and I purchased a long term care policy for my mother from Tobe Gerard. Tobe was wonderful to work with, helping us find a policy that was affordable and that provided a basic safety net for my mother. Now, my mother is 92 years old and needs to draw on her policy benefits. I called Tobe for help in navigating the claims process. She jumped right in, got things moving and my mother is now receiving needed benefits. What impressed me most about Tobe is that she not only works hard to find the best insurance products for her customers, she also cares that the policies she sells deliver on the benefits they promise.

Tobe was an absolute delight to work with. She was a consummate professional who provided me with a comprehensive summary of Long Term Care insurance, including an honest assessment of which company, program and policy features AND benefits might work best for our family. She was a wealth of information, responsive to my many questions, and patient as I researched Long Term Care Insurance and ultimately purchased a policy. I’m glad I did, and am so pleased that I purchased it through Tobe Gerard Insurance, LLC!

What a stroke of luck and providence that my financial advisor suggested I talk to you about my mother’s Long Term Care Insurance. As an attorney, I have been dealing with insurance for thirty years. However, I never had experience with Long Term Care Insurance. I have come to appreciate your advice and expertise over these last several months.

I am a former commercial casualty-property insurance broker, now retired from a national brokerage firm. I first met Tobe when she was a Long Term Care instructor at a Certified Insurance Counselor seminar I attended about eight years ago. I was impressed with her knowledge of LTC Insurance, as well as her ability to convey information in a clear and concise manner to the class, and keep it interesting. So, when I was finally ready to purchase LTC Insurance, Tobe was foremost in my mind, even though I know good local agents I could have also consulted about this product. Once I started working with Tobe, I realized that, not only was she exceptionally knowledgeable about LTC Insurance, and could explain it very clearly, but she was also very thorough, extremely responsive to my questions, and had very quick turn around on items she needed to check into. And, I discovered that she really cared about me and the protection she felt I needed. And, a plus, she is truly a very, very nice person.

You have completed your job in helping us with LTC insurance. And so, I want to thank you for your help. You have been just wonderful – very professional, efficient, clear, and with a human touch and a heart. One cannot count on all of that from the professionals we work with. We are thoroughly satisfied with your work on our behalf. We will be happy to recommend you to others.

I have had the good fortune of knowing and working with Tobe Gerard for over 15 years. It is rare to find someone who possesses a solid level of technical proficiency with a passion to do what is right for her customers. She truly does care about her customers. Recently I bought an LTC policy from Tobe even though I live 250 miles away! I am proud to call her my agent!

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!