508-653-8110 or 413-245-1501

Dennis Stone

Tobe is my trustworthy “go to” person for long term care insurance. Ten years ago, when my spouse I considered buying Long Term Care insurance, she guided us with her extensive insurance product knowledge and demonstrated her commitment by finding the best insurance...

Gloria Cole

Tobe is an exceptional professional with deep knowledge and commitment to her clients. She is a woman of uncompromising integrity and I recommend her without reservation. I’ve recommended her to my own clients, and the best recommendation I can give her is that...

Larry Dannenberg

Tobe is one of the top experts in Long Term Care Insurance in the US. She is the person other insurance people turn to for answers. Her depth and breadth of knowledge is amazing. But even more impressive is the way she works with people. She listens to their concerns...

Joe Chatham

Tobe Gerard is THE expert regarding LTC insurance! In the nature of my job, I work with several dozens financial advisors/wealth advisors; all top notch. I wholeheartedly recommend Tobe for LTC advice, contract review, and group policies. Based on my observations,...

Attorney, Arlington, MA

Thank you very much for speaking with us and reviewing our policies with us.  It is a relief to know that we have a good policy for each of us and we plan to keep them.  We were impressed with your knowledge on the subject.  The conversation was very helpful to...