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!

Tobe Gerard Insurance has been an incredible resource in setting up a Long Term Care Insurance policy for my out of state father. My insurance agent for other policies referred me to Tobe Gerard Insurance because he knew of her expertise in LTC Insurance. I was delighted to find that not only was she indeed an expert, but she was patient, kind and thoughtful throughout the process. Tobe Gerard Insurance answered all of our questions, gave us time to digest the information, and always followed up and responded promptly. Tobe made herself available to meet in person, to have discussions over the phone, and to correspond via email. Tobe Gerard Insurance provided options and quotes for various policies while explaining every detail (sometimes multiple times, as we tried to remember all of the policy parameters) with kindness, professionalism, and patience. Tobe took time to ask and learn about my family and my parents’ situation. She took their specific health needs into consideration and explored different coverage scenarios with us. At no time did we feel any pressure from Tobe – just respect and support to help us find the best fit in a policy. Tobe Gerard Insurance provided expertise not only in LTC Insurance generally but in specific laws and regulations in another state (Wisconsin), where my parents reside. This was tremendously helpful. Tobe Gerard Insurance was also able to see us completely through the process (to policy purchase and activation) since Tobe maintains an active license for Wisconsin. I look forward to continuing to work with Tobe Gerard Insurance, and I recommend her without hesitation.

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!

Having longevity issues in both of our families we realized the importance of, and the need for, comprehensive long term care coverage. Knowing the complexity of this product we wanted to work with the best–someone who is very knowledgeable in the product and would have the credibility that would give us a level of comfort that they had our best interests in mind. We did extensive research to find the business partner that we wanted to work with. After reading many articles we felt that we knew what we were looking for. Tobe’s website was very professional and the testimonials there were impressive. To verify the validity of what we read we even participated in all of the educational webinars that she offers. That sealed the deal. She obviously knew the subject matter inside and out and came across as the type of caring person that we would be comfortable working with. We are very glad that we made the decision that we did. We recently purchased a shared policy. During the entire process Tobe was by our side explaining, educating, and guiding us. With both of us being financial professionals we tended to ask a lot of questions. Tobe was able to answer all of our questions and was very patient in providing us with a level of comfort that the product we purchased was the best option for us. Regardless of whether you are very knowledgeable in this area or are a novice in this subject matter, we highly recommend Tobe as someone you should work with.

Tobe Gerard is nothing short of a miracle worker. After months of struggling to rescue a long-term care application from one provider’s rejection pile, Tobe found me and my wife an alternative, high-quality provider with essentially the same policy and for a substantial discount. What’s more, she’s a super communicator who will walk you through the gobbledygook lingo of the insurance world.

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.

Tobe Gerard of Tobe Gerard Insurance worked with my wife and me in developing a plan for our insurance needs. She made us understand the nuances and intricacies of the terminologies, and various services vis-à-vis the premiums. Tobe readily and patiently answered our questions in detail, and walked us through the application process. Her initial interview with us was phenomenal in sifting through our needs and wants, and to finally design an appropriately tailored policy that met our requirements. We would enthusiastically recommend this agency to our friends.