508-653-8110 or 413-245-1501

Kevin Donase

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...

Deborah Issokson and Liane Bromberg

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....

David Clayman, CMT, AIF, C(k)P

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...

P.K. and O.K.    

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...

An anonymous but grateful client

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...