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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!

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.

Long term care insurance was the furthest thing from my mind before an estate planner recommended that my husband and I consider it in order to protect our assets if we ever needed long term care. I wasn’t keen on imagining myself in a situation that would require long term care, but just to cover all bases, we met with Tobe — and then put off thinking about it for another year. At that time, Tobe made me aware of changes in various company policies that impacted women and the type of coverage I might want. I decided to apply and she guided me through myriad questions in a clear, timely, and thorough way, never being directive about particular companies, always focused on listening to what was most important to me. The application process can be difficult at various points – it can seem as if your health is called into question as you make your way through endless checklists of symptoms – but Tobe kept it upbeat, gave good guidance, and actually made it pleasant. When the process was complete and I had my policy in hand, I was sorry we had to part ways. In short, Tobe is terrific and great to work with – I would highly recommend her to anyone purchasing a policy or even to someone simply wanting to explore why LTCI might be a good idea.

Having longevity issues in both of our families we realized the importance of, and the need for, comprehensive long term care coverage. Knowing the complexity of this product we wanted to work with the best–someone who is very knowledgeable in the product and would have the credibility that would give us a level of comfort that they had our best interests in mind. We did extensive research to find the business partner that we wanted to work with. After reading many articles we felt that we knew what we were looking for. Tobe’s website was very professional and the testimonials there were impressive. To verify the validity of what we read we even participated in all of the educational webinars that she offers. That sealed the deal. She obviously knew the subject matter inside and out and came across as the type of caring person that we would be comfortable working with. We are very glad that we made the decision that we did. We recently purchased a shared policy. During the entire process Tobe was by our side explaining, educating, and guiding us. With both of us being financial professionals we tended to ask a lot of questions. Tobe was able to answer all of our questions and was very patient in providing us with a level of comfort that the product we purchased was the best option for us. Regardless of whether you are very knowledgeable in this area or are a novice in this subject matter, we highly recommend Tobe as someone you should work with.

Tobe Gerard is nothing short of a miracle worker. After months of struggling to rescue a long-term care application from one provider’s rejection pile, Tobe found me and my wife an alternative, high-quality provider with essentially the same policy and for a substantial discount. What’s more, she’s a super communicator who will walk you through the gobbledygook lingo of the insurance world.

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.

I want to thank Tobe Gerard for her devoted patience and guidance throughout our time together in securing a LTCI policy for me.  She was extremely knowledgeable about all of the different types of policies that were available in the market today.  She was always very responsive to all of the follow-up questions that I might have had. 6 years prior I had been introduced to Tobe through my financial provider.  Many of his clients, including himself, were LTCI policy holders through Tobe and her team.  At that point in time, life had seemed to have gotten in the way and I didn’t secure a policy, but I had not forgotten her efforts in presenting all of the different options to me back then. Moving forward 6 years, I had a very close family member that was going through a medical situation and there was no LTCI policy.  I can tell you through this experience that it wasn’t pleasant finding out that traditional medical insurance does not provide many of the securities that one might need in the future.  this experience was the immediate reason that I reached out to Tobe again. From start to finish the process was very easy.  We had a few meetings together to start the process.  Then there was the research stage where we talked about the various options.  I had some questions that came along and Tobe answered them all.  With Tobe’s guidance we looked at which policies could fit my situation best and I decided upon one.  Once Tobe delivered the policy it produced a feeling of great happiness and security knowing that I was adding this layer of protection for me and my family. I truly recommend Tobe Gerard with all of your long term care needs.  Thx Tobe…

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.