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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…

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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…

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Don’t Pick Any Two When You Can Have All Three

Don’t Pick Any Two When You Can Have All Three

This LTCi carve-out design will cost the employer less, provide increased benefits to the employee, and make you, the producer, more! Our practice is primarily focused on employer-funded long-term care insurance and these types of cases account for approximately 75% of all new cases in our firm. Three years ago, we introduced a program design that…

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