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Why the WSJ is Wrong About Long Term Care Planning

Unlike the recent article in the WSJ, this Forbes article debunks a lot of misconceptions about LTCi and offers the product solid reviews for what it does do rather than what it doesn’t! Click here to read the full... read more

4 Financial Moves to Make If You’re Single

Whether you’re single by circumstance or by choice, not being part of a couple can pose a number of financial challenges. Not only might you lose out on certain tax benefits, but you’ll be limited to a sole income to cover life’s expenses.... read more

2017 Alzheimer’s Disease Facts and Figures

The numbers that are attributable to Alzheimer’s are staggering.  This should be reason enough for anyone who can medically qualify to have a long term care insurance policy in place.  Please refer to the brochure and video below for 2017 Facts and Figures on... read more

How to Get Insurance Companies to Pay Your Claims

Filing an insurance claim is often directly preceded by a traumatic event in your life.  So the last thing you need is a fight with your insurance company to force it to pay.  But you can take steps at every point in the process — and even before a traumatic... read more

7 Ways Women Can Cut The Cost of Long Term Care Insurance

The U.S. Department of Health and Human Services found that half of people age 65 and older will need daily help as they age, with total long term care expenses averaging over $91,000 for men and double that for women. How can women ensure they’ll receive the... read more

How to Cover Long Term Care with Life Insurance

Did you know that 70% of people turning 65 today will need long term care at some point in their life? Long-term care isn’t just for the elderly, though. In 2000, over two-thirds of the people requiring some form of long-term care were under 65.  If you’re a busy... read more

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Testimonials

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!
Curt Pearsall Whitesboro, NY