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The Tax Benefits of Long Term Care

Long Term Care insurance premiums have been rising for many consumers, but financial experts agree that everyone, including the wealthy, should consider buying coverage.  “I consider it portfolio insurance,” says Ken Moraif, a certified financial planner... read more

Need a Long Term Care Policy? Here are some tips…

If you bought a long-term care policy in the past two decades, now isn’t the time to let it lapse. In the last decade, hundreds of thousands of middle-class families annually bought these policies, alleviating worries about future payments for nursing homes,... read more

Your Clients Have Options in LTC

“We constantly hear about a shrinking long term care insurance market, but the reality is the market is growing. There are more options available than ever before to help protect consumers and their families from the high cost of long-term care (LTC) expenses.... read more

Make Long Term Care Insurance Equal Portfolio Insurance

“Bear markets can be devastating. Taxes can put a big dent in your wallet. Inflation can eat away at your quality of life. If you’re retired, though, you face an even bigger danger to your financial well-being — your health, as this can be a potential... read more

5 Insider Tips for Finding Affordable Long Term Care Insurance

“Years from now many Baby Boomers will need help with the daily stuff of life, like dressing, bathing, eating or remembering to take medication.  Regular health insurance, including Medicare, doesn’t pay for help with these “custodial care” tasks, except in... read more

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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