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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
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
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 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
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
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
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 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!
Curt Pearsall Whitesboro, NY
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…
Kevin DonaseFoxboro, MA
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!
Jack and Sue HeidbrinkBurlington MA