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You have completed your job in helping us with LTC insurance. And so, I want to thank you for your help. You have been just wonderful – very professional, efficient, clear, and with a human touch and a heart. One cannot count on all of that from the professionals we work with. We are thoroughly satisfied with your work on our behalf. We will be happy to recommend you to others.

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.

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.

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.

Tobe Gerard listens, cares, and wants the very best for you. We think the best of her as she has demonstrated her best with and for us. End-of-time planning requires sensitive and professional management. Tobe has the gifts and the talent for making these plans a reality.

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!

Tobe was an absolute delight to work with. She was a consummate professional who provided me with a comprehensive summary of Long Term Care insurance, including an honest assessment of which company, program and policy features AND benefits might work best for our family. She was a wealth of information, responsive to my many questions, and patient as I researched Long Term Care Insurance and ultimately purchased a policy. I’m glad I did, and am so pleased that I purchased it through Tobe Gerard Insurance, LLC!

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.