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....
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...
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...
The other day, the federal government released a headline grabbing report: The average out-of-pocket cost of raising a child from birth to age 17 is about $234,000. Among families where an older adult has severe long-term care needs and uses paid care, out-of-pocket...
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...
Tobe Gerard is a true professional! We found her easy to work with and remarkably patient in explaining the sometimes complex information regarding Long Term Care Insurance. Tobe explained things well, respected our decision-making process and timetable, and was always approachable whenever we had questions. Tobe has a complete understanding of a range of insurance products. We found that we appreciated reviewing what several companies offered rather than looking at only one product. Now that we have selected the insurance that is right for us, Tobe continues to be a friendly, valued resource.
Mary and Edward ListonThornton, NH
Thank you very much for speaking with us and reviewing our policies with us. It is a relief to know that we have a good policy for each of us and we plan to keep them. We were impressed with your knowledge on the subject. The conversation was very helpful to us.
Attorney, Arlington MA
Tobe is an exceptional professional with deep knowledge and commitment to her clients. She is a woman of uncompromising integrity and I recommend her without reservation. I’ve recommended her to my own clients, and the best recommendation I can give her is that she also wrote the LTC policy for my Mom.
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.
Connie H.Lexington MA
Tobe Gerard is a true professional in the sense of striving to understand the client’s concerns and placing the client’s best interests first, and in her continual professional interest in the Long Term Care insurance industry.
I have worked with Tobe for the past 4 years on LTC cases for my insureds and am always impressed with not only her knowledge but also her ability to listen and relate to people.
Chip BoyntonBoynton Insurance Agency, Needham, MA
Tobe has been instrumental to our business as we develop our clients’ financial plans. The cost of healthcare is #1 on many people’s minds as it has been rising at such a rapid rate lately. In particular, we work with many single women who want to plan for their care later in life. Tobe’s consultative nature is so comforting and appealing to everyone we have introduced to her. She is the antithesis of what people expect of an insurance agent. Myself and my team at Twelve Points couldn’t feel more fortunate to have such a consummate professional as a resource for us and our clients.
David Clayman, CMT, AIF, C(k)PTwelve Points Wealth Management, Concord, MA
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.
Albert E. Clark, Attorney at LawSavannah GA
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.
Haynes TurkleColrain MA
I have known Tobe Gerard in both professional and personal capacities for 10 years. Tobe is professional, intelligent, insightful, conscientious, thorough, and caring. Although I had a previous opportunity to purchase an employer-sponsored Long Term Care insurance plan, I chose to purchase through Tobe instead. Tobe presented me with an excellent range of options, patiently walked my husband and I through them (several times), promptly provided any further information we requested, and carefully discussed the pros and cons of each plan and variable. She (again, patiently!) answered my questions on filling out the application and kept us updated about its’ progress. When the insurance company wanted additional information and I was unable to respond due to a family emergency, Tobe smoothed the way for me. I could not possibly recommend anyone more highly than I recommend Tobe Gerard.
Andi SternTulsa, OK
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.