Unlike the recent article in the WSJ, this Forbes article debunks a lot of misconceptions about LTCi and offers the product solid reviews for what it does do rather than what it doesn’t!
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Testimonials
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.
Albert E. Clark, Attorney at LawSavannah GA
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.
An anonymous but grateful clientNewton, 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
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
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.
CMHPortland, ME
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 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
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
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
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