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Considering Long Term Care Coverage? Here’s a Reality Check

As more people are thinking about long-term care planning for their elder years, the industry is responding with ever more options. However, complete coverage may be out of reach for most people. Younger generations are taking notice, whether to encourage their...

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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 article...

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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. That's why it's critical to...

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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...

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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 event...

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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 coverage...

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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...

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Testimonials

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!
Jack and Sue HeidbrinkBurlington MA