About Us

Long-Term Care Insurance. It's all we do.

Founded in 1986, we are one of the Nation's largest marketers of Long-Term Care insurance [LTCi].

We believe that distribution is at the core of any successful venture, and we continue to provide our clients with our experience and expertise in an ever-changing industry.

We are an independent agency who works with all industry constituents in the areas of distribution, education & thought leadership, and marketing & sales.

We work with established and start-up institutions in the financial services industry including regional & national professional affinities and their members, with employers and their employees, and insurance agencies and their agents & brokers.

As an independent agency, we are unique in our comprehensive approach to distribution. Our flexibility and unrivaled professional staff allow us to continuously provide our clients best-in-class tailored services and corresponding results.


We pioneered true joint marketing operations through our network of independent general agencies and brokers
We have created one of the most successful models for wholesaling to the financial services industry
We operate numerous regional and national affinity retail marketing programs
We have installed in excess of 400 LTCi employer group programs including executive carve-outs, core plans with buy-ups, and quite a few voluntary plans

Broker Services

Long-Term Care insurance [LTCi], Employer-funded or offered Voluntarily, is coverage that can present tremendous value for Benefits Brokers and their Employer group clients. Employers get the opportunity to offer a unique benefit to Employees with exclusive program benefits, such as underwriting concessions, unisex pricing, discounted premiums and payroll deduction. In addition, Brokers will benefit from a vested continuous revenue stream.

When it comes to establishing an Employer sponsored LTCi program, ARM does all the work for the Broker. Starting with the initial presentation, plan design and enrollment logistics to ongoing re-enrollment and billing support, ARM’s Marketing Team handles it all. We can be introduced to the Employer’s HR and Billing Department at the initial meeting or prior to enrollment to ensure an administratively seamless process.

We strive to make the enrollment process as easy and flexible as possible. Our Enrollment Team enrolls through face-to-face worksite meetings, seminars and one-on-one meetings, both in the workplace and after-hours in the home. Employees can learn about coverage options virtually through webinars and screen-share appointments coordinated via online scheduling software.

Take it from the Brokers below - our track record is second to none. We meet our participation requirements, and our expertise ensures enrollments are low impact for the Employer and effortless for the broker.

Michael F. Magliano

Principal Partner, Patriot Benefit Solutions, North Andover, MA
"I introduced ARM to my employer client who asked about Long-Term Care insurance. ARM sold a funded program based upon the tenure of employees and has been running with it for the last four years. This is the lowest impact additional revenue stream I've ever had, and they have a great relationship with the client."

Thomas O'Keefe

Safe Harbor Associates LLC, Milford, MI
"ARM is the perfect partner in employee benefit administration. Whether it's the establishment of a new Worksite group or service of an existing program, ARM's hands-on approach makes it as simple for me as the broker as possible. Their support has allowed me to streamline the administration process, freeing up more time to focus on expanding my network of clients."

Michael Findling

Business Benefits Group, Fairfax, VA
"As a broker, it's vital to be able to have a resource like ARM. They make it easy. I sell the case, but ARM provides customized marketing materials, logistical support, new business tracking, and a wealth of knowledge about worksite LTCi from their many years of experience."

Our Management Team

Joseph G. Pulitano, CLTC, Founder & President

Joseph G. Pulitano, CLTC, Founder & President

Joe is one of the pioneers of the Long-Term Care insurance industry. He founded ARM in 1986, and was one of the first to recognize the enormous potential this product held and still represents today. Consequently, ARM is now the largest distributor of Long-Term Care insurance in the Northeast and one of the largest in the country.

Joe has been involved in all aspects of the Long-Term Care insurance industry. In the 90s he taught a course on Long-Term Care insurance at Purdue University’s Insurance Marketing Institute. Later, he was instrumental in the creation of the Nation’s most prestigious LTCi designation program, CLTC.

Distribution has always been close to Joe’s heart, and he has spearheaded several successful initiatives within the fields of regular brokerage, affinity, employer groups, and financial services.

Joe lives in Belmont, MA with his wife, Evelyn Fowler.

Fun Fact: Joe is an incurable, thoroughly addicted, fresh water bass fisherman. Joe’s hoarding tendencies have been responsible for his basement to be continually mistaken for a tackle shop.

Henrik Larsen, MBA, CLTC, CEO

Henrik Larsen, MBA, CLTC, CEO

Henrik’s entire career in financial services has been focused on LTCi. Prior to joining ARM in 2001, Henrik held positions as sales manager and LTCi specialist with two large national insurance companies.

The corporate market place and all aspect of taxation pertaining to LTCi have been a focus in Henrik’s career and the topic of dozens of articles he has authored for industry publications. In addition, Henrik has been a speaker at numerous regional and national events. One of Henrik’s proudest accomplishments is the creation of ARM’s Northeastern University Co-op recruiting program.

Henrik and his wife, Ashley McCown, reside in Newton, MA

Fun Fact: Henrik found an early appreciation for insurance protection when he and his family were responsible for the flooding of 100s of acres of agricultural land in Burgundy, France during a canal trip in the early 1990s.

Derek Miele, CLTC, VP, Affinity Marketing

Derek Miele, CLTC, VP, Affinity Marketing

Derek started in the insurance business in 1991 with a national marketing agency specializing exclusively in LTCi.  Having earned numerous accolades as a top national field producer, Derek founded his own LTCi agency before joining ARM in 2004.

Early on in his career, Derek realized the significant potential associated with implementing LTCi programs with employer groups as well as professional affinities.  Since 2000, these areas have been the exclusive focus of Derek’s marketing efforts.

Derek holds one of the largest individual blocks of business in the industry.

Derek and his wife, Maureen, live on Cape Cod, MA.

Fun Fact: Derek’s been known to go on Long-Term Care appointments by boat.

Mary DePalma-Nadler, Director, Operations

Mary DePalma-Nadler, Director, Operations

Mary began in April 2005 as the go-to person handling ARM’s Commission Accounting.  Today, as Director, Operations, Mary’s primary responsibility is to handle all of ARM’s financial operations.  Bringing over 30 years’ business experience, Mary previously worked at Walden Sports, Inc. and Colgate Palmolive.

Mary lives in Arlington, MA with her husband Eric, and they enjoy family time with their two grown children, Carl and Elyssa.

Fun Fact:  Mary is a professionally-trained former Sous Chef.  Today, she continues to drive her food passion as a member of the Chef’s Collaborative and by celebrating food with elaborate dinner parties.

James Shea, CLTC, Director, Marketing

James Shea, CLTC, Director, Marketing

James’ strengths lie in his ability to support agents selling multiple long-term care carriers with various products operating in diverse distribution channels nationwide.

He joined the ARM team as a Northeastern University undergraduate in 2007, continued throughout the remainder of his college education, and has climbed the ranks from Marketing Associate to Director, Marketing.

At ARM, James’ responsibilities include providing expert support in Long-Term Care insurance product, individual case design and positioning.  In addition, he manages regional association LTCi marketing programs and specializes in development of and marketing to employer groups.

James lives in Brighton, Massachusetts.

Fun Fact: James thinks if he played more golf he’d be consistently shooting in the mid-80’s.

Nate Pomeroy, Director, New Business

Nate Pomeroy, Director, New Business

Nate joined the ARM team as an undergraduate student in 2007 as a New Business Case Manager.  He earned his BA in Marketing from Northeastern University and is now Director, New Business.

His eight years of LTCi experience gives him the expertise necessary to proficiently assist agents in determining insurability, navigating the complexities of underwriting standards with multiple carriers.  Nate’s expertise also allows him to troubleshoot various New Business challenges to make every effort in getting cases issued.

At ARM, Nate’s responsibilities include application intake and scrubbing, pre-screening applicants, and ensuring that the New Business department keeps agents informed of their pending cases status.

Nate, his wife, Lana, and his son, John, live in Salem, MA.

Fun Fact: Tom Brady was mentioned in Nate’s wedding vows.

Jake Rosow, Marketing Manager

Jake Rosow, Marketing Manager

Jake started working at ARM in 2012 as an undergraduate.  He has since graduated from Northeastern University and has risen from the role of Marketing Associate to Marketing Manager.

Jake’s strength is his ability to create a suite of visually appealing and informative marketing materials for any project—including eBlasts, fliers, posters, home mailing letters and much more.

His responsibilities also include providing agents with product and illustration support within ARM’s many distribution channels, ensuring that our sales force is armed with the newest and most effective marketing materials & assisting agents throughout the Multi-Life LTCi enrollment process.

Jake lives in Brighton, Massachusetts.

Fun Fact: Jake is a fan of many genres of music and loves to see his favorite acts live.  He also roadies for one of New England’s top Grateful Dead tribute bands!

Alexa Beach, Manager, Operations

Alexa Beach, Manager, Operations

Alexa joined the ARM team in January of 2012 as an undergraduate student.  After graduating from Northeastern University in May 2014 with a BA in Business Administration, she began her formal career at ARM. Although beginning in the New Business department, she now divides her time with Licensing and Operations as well.

At ARM, Alexa’s responsibilities include New Business case management and status reporting in addition to serving as liaison between carrier and agency/agent.  She also facilitates carrier appointments, supports agent licensing and training efforts, and tracks commission payments.

Alexa lives in Brighton, Massachusetts.

Fun Fact: Alexa is a devoted University of Louisville fan.  GO CARDS!

Andrew Armida, Marketing Manager

Andrew Armida, Marketing Manager

Andrew started working at ARM in July of 2014 as a Co-op student. He continued to work with us as he finished his studies at Northeastern University, and after graduating with a BS in Psychology, he began working full-time at ARM as a Marketing Manager.

Andrew works in various capacities to support the marketing team in the execution of its day-to-day operations. He works directly with HR staff at Employer Group clients to coordinate marketing activities and billing processes. A great deal of Andrew’s work involves creating and maintaining databases which allow ARM to monitor activities ranging from sales production to lead generation to billing. He also helps develop marketing collateral for Employer Group and Association marketing, including webpages, email marketing campaigns, and direct mail packages.

Andrew lives in Boston, Massachusetts.

Fun Fact: Andrew built the website you are currently viewing.

Client Partners

Accounting Firms          Agents and General Agents         Banks         Broker/Dealers         Credit Unions         Employee Benefit Companies

Employers         Executive Compensation Consultants         Insurance Companies         National and Regional Associations         Pension Administrators

Our Culture

We believe in a culture of mutual respect and accountability.  We believe in an environment where our employees can grow and where input is always welcome.  We believe in leading by example, with an emphasis on attention to detail.  We believe in rewarding all employees in accordance with their contribution to the success of the company.

We support this culture by providing an informal environment with a focus on getting things done by collaboration.


Health & Dental Insurance   •   Life & Accidental Death Insurance   •   Short-Term & Long-Term Disability Insurance    •   401[k] with Match & Profit Sharing

Paid Vacation & Sick Days   •   10 Paid Holidays   •   8 Weeks [4 Paid] Parental Leave   •   Friday Summer Hours   •   Birthday Lunch   •   Elaborate Holiday Parties

Since 2004, we have participated in Northeastern University’s Cooperative Education [Co-op] Program.  This program provides us with full-time students employed for periods of six months.  Since the beginning of the program, we have had 60+ Co-op students join us as part of our team; many have served several semesters with us, and to date we have hired close to a dozen upon graduation.  This program has been invaluable in not just our success, but also in yours!

LTC Facts & Figures

National avg. cost of a 1-year stay in a nursing home
$12.5 Billion
Individuals’ retirement assets protected by LTCi marketed by ARM since 1998
$7.8 Billion
Total amount of LTCi claims paid by carriers in 2012
Years in the LTCi Business
Clients Insured by ARM

E-Alert Library

E-Alert 6/19/18

E-Alert 6/19/18

Click the link below to see our E-Alert from 6/19: E-Alert 6/19
E-Alert 6/13/18

E-Alert 6/13/18

Click the link below to see our E-Alert from 6/13: E-Alert 6/13
E-Alert 6/5/18

E-Alert 6/5/18

Click the link below to see our E-Alert from 6/5: E-Alert 6/5
E-Alert 5/22/18

E-Alert 5/22/18

Click the link below to see our E-Alert from 5/22: E-Alert 5/22
E-Alert 5/8/18

E-Alert 5/8/18

Click the link below to see our E-Alert from 5/8: E-Alert 5/8

Contact Info

  • 800.269.2622
  • info@armltc.com
  • armltc.com
  • 313 Washington Street, Suite 225
    Newton, MA 02458


Joseph G. Pulitano, CLTC
Founder & President
Email Joe
Ext. 110

James Shea, CLTC
Director, Marketing
Email James
Ext. 109

Alexa Beach
Manager, Operations
Email Alexa
Ext. 113

Ray Hickson
Regional Sales Executive
Email Ray
Ext. 315

Henrik Larsen, MBA, CLTC
Chief Executive Officer
Email Henrik
Ext. 103

Nate Pomeroy
Director, New Business
Email Nate
Ext. 105

Andrew Armida
Marketing Manager
Email Andrew
Ext. 108

Harris Kivitz
Regional Sales Executive
Email Harris
Ext. 309

Derek Miele, CLTC
Vice President, Affinity Marketing
Email Derek
Ext. 106

Robert Cushing, Jr., CLTC
Director, Financial Services Marketing
Email Rob
Ext. 111

Sarah Corda
Senior New Business Associate
Email Sarah
Ext. 114

Karen Marblestone Perry
Regional Sales Executive
Email Karen
Ext. 119

Mary DePalma-Nadler
Director, Operations
Email Mary
Ext. 112

Jake Rosow
Marketing Manager
Email Jake
Ext. 118

Robert DeLorey, CLTC
Senior Marketing Representative
Email Bob
Ext. 107

Contact Us

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