Tobe Gerard Insurance, LLC—Where Customers Are The Number One Priority
It makes me happy when a client says, "I never understood long term care insurance until I met you." In fact, I'm thrilled whenever my clients express satisfaction with my services. I invite you to read the testimonials below and discover what some of my clients and referring professionals have to say about Tobe Gerard Insurance.
Individuals/Couples
Referring Professionals
Individuals/Couples
"Are you worried about the ability to care for yourself or your loved ones in the future? If so, Long Term Care Insurance may be the answer to your concern. If you are investigating this option or already decided that this is the right solution for you, then you cannot find a better insurance agent than Tobe Gerard. Tobe is very well known across the US ; she is viewed as an expert and often trains others. She is responsive, and willing to put in the effort and time to find the right solution for you and your family. She has an amazing breadth of knowledge regarding the options available and the pros and cons of each. She will work with you to find the right solution for your particular situation. She will never pressure you. She is a true professional who will provide you with the facts and offer advice through the maze of often confusing options. Tobe was recommended by another agent and we feel comfortable recommending her to others."
---Angela and Dana Smith, Carlisle, MA
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"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 my wife and I 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 Cabe, Belmont, MA
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"Tobe Gerard has not just helped me to acquire Long Term Care Insurance. She has helped me to gain an on-going education about what I believe is one of the most important benefits we Baby Boomers can have for the future. I work in eldercare, so I know how important LTC insurance can be to older adults. I'm in my forties, so I didn't think much about it for myself—that is, until an immediate family member, also my age, had a life-threatening illness that required a great deal of home care. I strongly believe that long-term care is not just for older age, but for the challenges that can come about if we face illness at any age. I thank Tobe for her expertise, her commitment and for her great kindness and support."
---Ginny Mazur Mendenhall, Boston, MA
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"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
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"Tobe G. listens, cares, and wants the very best for you. Those qualities, which we've known for years through good neighbor relations, extended through to our insurance needs and her excellent business practices. We think the best of her as she has demonstrated her best with and for us. End-of-time planning requires sensitive and professional management. Tobe has the gifts and the talent for making these plans a reality."
---Reverend and Mrs. John F. Rice, Bass River, MA
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"I am writing to tell you how much I admire the way that you do business. You certainly have your priorities in order in that you put your client's needs first. You took the time to listen to my concerns, you addressed them properly, and then you gave me the support that I needed. I was also impressed with the way you educated me. It is for all of these reasons that I recommend you to my colleagues, and also why I feel comfortable with you doing presentations at any and all of my events. I believe that the way you do business is indicative of the person you are—caring, compassionate, ethical, moral, and a pleasure to be around."
---Roberta Robinson, West Roxbury, MA
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"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 Liston, Thornton, NH
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Referring Professionals
"Tobe is a fantastic resource. She has been able to help me and a number of my clients understand the complexities of long-term care insurance. She is always extremely courteous, patient, and most importantly responsive. Anytime I speak with a client, and the issue of long-term care insurance arises, the only person I think of is Tobe."
---Robert Monahan, AAI, Account Executive, McSweeney & Ricci Insurance Agency, Braintree, MA
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"We are a very busy independent insurance agency, primarily providing Property, Casualty and Life Insurance products to our personal and commercial clients. We are often asked about Long Term Care coverage. As an owner of the agency, initially I made an effort to position ourselves into being able to provide LTC for our clients. I attended seminars and training programs, but I soon learned we can't do it all. There are just too many LTC carriers with varied programs for us to serve our clients in a manner in which they are accustomed. Tobe Gerard to the rescue! Tobe's expertise is LTC, her professional and sensitive approach is a perfect match for us. We simply refer our clients directly to Tobe. Tobe has put together a very fair and attractive commission sharing program for simply referring our clients to her. The real winner is the client; they are presented with the facts and best values available to them."
---Dennis W. Lex, Lex Insurance Agency, Inc., Concord, MA
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"They say there are five pivotal people in each life. For me, Tobe is one of those five. I have had the privilege of knowing Tobe for over five years. She has been instrumental in the growth and development of my business. I am thrilled every time I am able to refer a client to her because I am able to give something back to her, and I know how well my client will be treated. In fact, my clients call me back to thank me for making the referral. They rave about her professionalism, integrity, and understanding. Tobe is a rare individual. I am honored to call her a colleague, friend, and mentor."
---Tracey A. L. Ingle, Esq., The Law Offices of Tracey A. L. Ingle, Southborough, MA
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From my standpoint, Tobe made this the easiest benefit plan we have offered. She made sure everyone understood the coverage and made intelligent decisions. She is a pleasure to work with, and we recommend her services highly.
---Arthur B. Fair, Fair & Yeager Insurance Agency, Natick, MA
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"Many times I make the suggestion to my estate planning clients that they should explore long term care insurance. I always refer them to Tobe Gerard. Her many years of experience in the field gives her a great understanding of the industry and the unique requirements of different insurers. She provides my clients with thorough and accurate information that is tailored to their needs about their long term care insurance options. She takes the time to get to know my clients so that she can provide important guidance in determining which policies are best suited to help them meet their personal goals. I know my clients are in good hands with her."
---Denise Yurkofsky, Esquire, The Law Offices of Denise Yurkofsky, Wayland, MA
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"I refer my clients who need long term care coverage to Tobe Gerard for a number of reasons. First, LTC is a dynamic and changing environment where the features and the benefits of the many LTC providers around are constantly changing. Second, the specific LTC coverage a client needs is different for every client. Third, clients often have a lot of anxiety over the long term care issue. Tobe offers my clients knowledge which is second to none as LTC is her only focus. Second, she represents many LTC insurance providers and knows which insurance carriers to choose when a client desires a specific feature and she makes the correct match. Many LTC agents represent a limited number of carriers. Third, Tobe exhibits great compassion and is an individual whose genuine warmth gives my clients the confidence to move forward."
---Evan Haberman, CFP, Merrill Lynch, Wellesley, MA
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"Tobe recently addressed my Certified Financial Planner (CFP) preparation class.
Even though I have 25 years in the insurance business and have lectured for the past 23 years, I could not have covered the material as thoroughly and with such working knowledge as Tobe did. Understanding the need and where that comes from, with the various health issues that make long term care coverage so vital in this family-dispersed society, and then making sense of the varied policies, it was so much clearer to all who attended after the systematic way Tobe attacked the issue. She covered the topic by exploring the history of where coverage began, where it is now, and how our government does (and mostly does not) help consumers. Her class left an indelible impression on all of us regarding how important long term care insurance coverage is."
---Marshall Katz, President, Marshall D. Katz Insurance Agency, Inc., Worcester, MA
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"As a registered representative from a full service firm, I am licensed to sell LTC insurance. But since I have known Tobe, I have referred all of my long term care prospects to her. Her extensive knowledge base combined with her caring and easy style are a winning combination. Tobe is the best of the best!"
---J. Chrisann Taras, CFP, Wachovia, Boston, MA
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"The first thought that should pop into anyone's head when the subject of long-term care planning and insurance enters into a conversation is: Tobe Gerard. Tobe is a true expert. Her knowledge of the long-term care market is extraordinary. She will find what company offers what plan with what options given one's needs, goals, and budget better than anyone. She is always up-to-date on the ever-changing laws and regulations that are a fixture of elder law and works closely with attorneys and others who specialize in this area of the law. But what separates Tobe is her gift of understanding and empathizing with the client. Those who even remotely work in the elder care market know it can be very time consuming requiring a great deal of patience and thoroughness. Tobe has almost infinite possession of these attributes. In a nutshell, she understands. She cares. This allows the strategic partner an opportunity to work with a prospect or client in an area that he or she might avoid because of the ever-changing nature of the market and the law within elder care and long term care planning and insurance. Tobe will help make this market a reality for you. Her expertise and her empathy put her at the top of the list of advisors working in the long-term care market."
---Richard P. Burton, CLU, ChFC, Burton Financial, Quincy, MA
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"Writing business testimonials is a necessary and standard procedure in much of business and industry. However, in writing a testimonial for Tobe Gerard, there are so many outstanding aspects that describe her service and expertise that one may struggle just where to begin.
In the area of long-term care insurance, Tobe Gerard is an established expert. Her many years of service in the industry qualify her as a definitive authority on insurance matters, but it is the undivided and patient attention that she provides clients that makes her so unique. There is not a situation that she has not already encountered at some time and so working with her gives all involved a true sense of confidence. This confidence matters greatly because as an independent salesperson she chooses which company she will represent in a given scenario. I am licensed to sell long-term insurance, but I know that using Tobe gives me an edge that is difficult to match. She understands client needs and it always feels like a true partnership working alongside her. I cannot imagine working with anyone else in this area, and I certainly hope to continue this partnership as long as time permits. When I have a client that requires special attention in the area of long-term insurance there is one person I trust to call and that is Tobe Gerard. Her attention to details, spirited cooperation and unmatched expertise separates her from anyone else I have worked with. In short, a call to Tobe is a call to the best."
---Tom Roach, BBS Employee Benefits, Newton, MA
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If you'd like to learn more about long-term care insurance, email me today to schedule a FREE, no-obligation one-hour consultation in your home or office. I'm more than happy to travel to you!
Tobe Gerard Insurance, LLC. Peace of Mind When You Need It Most.
Proudly serving clients throughout the northeastern US, including MA, NH, RI, CT, VT, ME, & NY
