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They say there are five pivotal people in each life. For me, Tobe is one of those five. I have had the privilege of knowing Tobe for over five years. She has been instrumental in the growth and development of my business. I am thrilled every time I am able to refer a client to her because I am able to give something back to her, and I know how well my client will be treated. In fact, my clients call me back to thank me for making the referral. They rave about her professionalism, integrity, and understanding. Tobe is a rare individual. I am honored to call her a colleague, friend, and mentor.

As a registered representative from a full service firm, I am licensed to sell LTC insurance. But since I have known Tobe, I have referred all of my Long Term Care Insurance prospects to her. Her extensive knowledge base combined with her caring and easy style are a winning combination. Tobe is the best of the best!

Tobe Gerard Insurance is a fantastic resource. Tobe has been able to help me and a number of my clients understand the complexities of Long Term Care Insurance. She is always extremely courteous, patient, and most importantly responsive. Anytime I speak with a client and the issue of Long Term Care Insurance arises, the only person I think of is Tobe.

Many times I make the suggestion to my estate planning clients that they should explore Long Term Care Insurance. I always refer them to Tobe Gerard Insurance. Tobe’s many years of experience in the field gives her a great understanding of the industry and the unique requirements of different insurers. She provides my clients with thorough and accurate information that is tailored to their needs about their Long Term Care Insurance options. She takes the time to get to know my clients so that she can provide important guidance in determining which policies are best suited to help them meet their personal goals. I know my clients are in good hands with her.

Having “peace of mind” is a ubiquitous term in the insurance industry. However, it is also exactly how I would describe my dealings with Tobe Gerard. For over 10 years, I have been referring my clients to Tobe Gerard with a well-earned confidence. Tobe’s expertise in Long Term Care insurance is unparalleled. She has the uncommon ability to connect with her clients and form relationships that truly help in navigating the many details and difficult decisions involved in Long Term Care Insurance. These relationships are cultured with a fine balance of professionalism and genuine sensitivity. Tobe Gerard knows her stuff in and out and I am fortunate to have the opportunity to collaborate with her.

In the area of Long Term Care Insurance, Tobe Gerard is an established expert. Her many years of service in the industry qualify her as a definitive authority on insurance matters, but it is the undivided and patient attention that she provides clients that makes her so unique. There is not a situation that she has not already encountered at some time and so working with her gives all involved a true sense of confidence. This confidence matters greatly because as an independent salesperson she chooses which company she will represent in a given scenario. I am licensed to sell Long Term Care Insurance, but I know that using Tobe gives me an edge that is difficult to match. She understands client needs and it always feels like a true partnership working alongside her. I cannot imagine working with anyone else in this area, and I certainly hope to continue this partnership as long as time permits. When I have a client that requires special attention in the area of Long Term Care Insurance there is one person I trust to call and that is Tobe Gerard. Her attention to details, spirited cooperation and unmatched expertise separates her from anyone else I have worked with. In short, a call to Tobe is a call to the best.

Tobe, I Wanted to give you some positive feedback. After I forwarded the information on our LTC policies to our estate attorney, she emailed me back and said that in her 22+ years of law practice, these were the best long term care insurance policies that she’s ever seen.

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.

The first thought that should pop into anyone’s head when the subject of long term care planning and insurance enters into a conversation is: Tobe Gerard Insurance. Tobe is a true expert. Her knowledge of the long-term care market is extraordinary. She will find what company offers what plan with what options given one’s needs, goals, and budget better than anyone. She is always up-to-date on the ever-changing laws and regulations that are a fixture of elder law and works closely with attorneys and others who specialize in this area of the law. But what separates Tobe is her gift of understanding and empathizing with the client. Those who even remotely work in the elder care market know it can be very time consuming requiring a great deal of patience and thoroughness. Tobe has almost infinite possession of these attributes. In a nutshell, she understands. She cares. This allows the strategic partner an opportunity to work with a prospect or client in an area that he or she might avoid because of the ever-changing nature of the market and the law within elder care and long term care planning and insurance. Tobe will help make this market a reality for you. Her expertise and her empathy put her at the top of the list of advisors working in the long-term care market.