Toby was spot on with our life insurance needs. The process was seamless and she exceeded our expectations. We have recommended her several times already and will continue to do so.
Henry and Beth SNew York, NY
There are experts to be trusted and Toby is my expert when it comes to insurance. She has guided me thru decision making on my personal life and long term health care needs. Plus, my company and employee health care decisions were made relying on her experience and expertise. When it comes to life, long term care, health and disability insurance nobody works harder than Toby to find the product that is appropriate for her client’s needs!
John O’ConnorMorris Plains, NJ
For many years, Toby of Madison Insurance Sales has provided our business and family with health and life insurance. Toby is both detail-driven and patient, and proves to be extremely knowledgeable on all health and life matters. We highly recommend her for all business and/or personal health and life insurance needs!
Dennis Mikula, Jr.Clifton, NJ
It is a pleasure doing business with Toby. For over 20 years, she had been working with me on my life insurance and long term care planning. Toby is both professional and knowledgeable, kind and patient. She has always had my best interests at heart.
HYKClearwater, FL
Toby always finds the best possible coverage and fit for each of her clients. She goes above and beyond, genuinely adding a personal and caring touch to a very complicated and sometimes overwhelming subject: insurance. She is also a trusted advocate and advisor for all my family’s life, health and long term care needs. I would recommend Toby to anyone.
Amy and Doug BFlanders, NJ
Recently, Toby was referred to me during a contentious divorce proceeding. It was nothing but a pleasure working with her. She’s diligent, thorough and always a professional.
Frank YE. Hanover, NJ
For many years, Toby has been handling both my personal and business insurance needs. She is very conscientious, extremely professional and I depend on her expertise.
Peter LFarmingdale, NJ
For over 30 years, Toby has been our family’s most trusted insurance advisor and have relied on her for both professional and personal insurances. Many years ago, my parents purchased Long Term Care policies from Toby. My dad received claim benefits from his LTC policy during the last year of his life and my mom has been receiving claim benefits with her LTC policy since last year. Thanks to her coverage she is well cared for and financially sound.
I purchase a Disability insurance policy through Toby over 18 years ago to protect my income. I have been collecting claim benefits from that policy since August, 2018 when I unfortunately needed to go on claim.
After talking with Toby, we learned that it’s exceedingly rare that this could happen to one family. It’s a true testament to Toby’s professionalism, guidance, knowledge and dedication that she has been able to protect our family’s assets.
Todd C.Atlanta, GA
I was referred to Toby many years ago by a friend who was one of Toby’s clients. She spent time getting to know our needs. With a good grasp of what we wanted she helped us satisfy our needs and accomplish our goals. In the process she became not only our ‘go to person for insurance’, but also a dear friend. Toby’s knowledge and life experience combine to make her a valuable partner for anyone looking for insurance.
Howard A.Boca Raton, FL