Did you know that 70% of people turning 65 today will need long term care at some point in their life? Long-term care isn’t just for the elderly, though. In 2000, over two-thirds of the people requiring some form of long-term care were under 65. If you’re a busy business owner, doctor, dentist or other professional who doesn’t have time to take care of yourself by eating right and exercising, you increase your chances of needing long-term care as well.
Have you worked with us?
Please send a testimonial.
Tobe Gerard of Tobe Gerard Insurance worked with my wife and me in developing a plan for our insurance needs. She made us understand the nuances and intricacies of the terminologies, and various services vis-à-vis the premiums. Tobe readily and patiently answered our questions in detail, and walked us through the application process. Her initial interview with us was phenomenal in sifting through our needs and wants, and to finally design an appropriately tailored policy that met our requirements. We would enthusiastically recommend this agency to our friends.
P.K. and O.K. Burlington, 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.
Deborah Issokson and Liane BrombergHull, MA
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.
Robert Brown and Delia CabeBelmont, MA
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.
Bob & Marilyn O’ConnellWalpole, MA
I am a former commercial casualty-property insurance broker, now retired from a national brokerage firm. I first met Tobe when she was a Long Term Care instructor at a Certified Insurance Counselor seminar I attended about eight years ago. I was impressed with her knowledge of LTC Insurance, as well as her ability to convey information in a clear and concise manner to the class, and keep it interesting. So, when I was finally ready to purchase LTC Insurance, Tobe was foremost in my mind, even though I know good local agents I could have also consulted about this product. Once I started working with Tobe, I realized that, not only was she exceptionally knowledgeable about LTC Insurance, and could explain it very clearly, but she was also very thorough, extremely responsive to my questions, and had very quick turn around on items she needed to check into. And, I discovered that she really cared about me and the protection she felt I needed. And, a plus, she is truly a very, very nice person.
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.
Dr. and Mrs. P. DNewton, MA
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!
Rob WarnerMarblehead, 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