About Us


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 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.

CLICK HERE to register for exclusive access to our Broker Training Portal, which includes revenue case examples, broker success stories, and all the information you need to start learning about the benefits of Worksite LTCi.

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, COO

Henrik Larsen, MBA, CLTC, COO

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 lives on Cape Cod, MA.

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

James Shea, CLTC, AVP, Marketing & Operations

James Shea, CLTC, AVP, Marketing & Operations

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 Assistant Vice President, Marketing & Operations.

At ARM, James’ responsibilities include providing expert support in Long-Term Care insurance product, individual case design and positioning.  He also assists wholesalers in New England in their dealings with financial advisors in various broker/dealers and wirehouses.  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.

Mary DePalma-Nadler, Senior Director, Finance

Mary DePalma-Nadler, Senior Director, Finance

Mary began in April 2005 as the go-to person handling ARM’s Commission Accounting.  Today, as Senior Director, Finance, 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.

Sabrina Grullon, Director, Logistics

Sabrina Grullon, Director, Logistics

Sabrina started working at ARM in January of 2012 as a Co-op student and continued to work with us throughout her time as an undergraduate student at Northeastern University. In May 2021 she came back to ARM to work full time as a New Business Team Leader and Implementation Manager.

Sabrina works in various capacities to support the new business team in the execution of their day-to-day operations. She also works directly with HR staff at Employer Group clients to implement marketing activities and billing processes. A great deal of Sabrina’s responsibilities involves maintaining databases which allow ARM to monitor activities ranging from sales production to lead generation to billing. She also helps develop communications for Employer Group and Association marketing, including webpages, email marketing campaigns, and direct mail packages.

Sabrina lives in Boston, Massachusetts.

Fun Fact: Sabrina taught at a renowned circus school and specialized in hula hooping. She also occasionally taught tightwire walking, juggling, fabrics, and clowning.

y viewing.

Alexa Beach, Director, Operations

Alexa Beach, Director, 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!

Jake Rosow, Director, Systems & Design

Jake Rosow, Director, Systems & Design

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 Director, Systems & Design.

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!

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

LTC Facts & Figures

National avg. cost of one year nursing home stay

Individuals' retirement assets protected by LTCi marketed by ARM since 1998

Total amount of LTCi claims paid by carriers in 2018


E-Alert Library

  • E-Alerts
E-Alert 6/1/21

E-Alert 6/1/21

Click the link below to view our E-Alert from 6/1/21. E-Alert 6/1/21
E-Alert 5/19/21

E-Alert 5/19/21

Click the link below to view our E-Alert from 5/19/21. E-Alert 5/19/21
E-Alert 4/21/21

E-Alert 4/21/21

Click the link below to view our E-Alert from 4/21/21. E-Alert 4/21/21
E-Alert 4/6/21

E-Alert 4/6/21

Click the link below to view our E-Alert from 4/6/21. E-Alert 4/6/21
E-Alert 3/23/21

E-Alert 3/23/21

Click the link below to view our E-Alert from 3/23/21. E-Alert 3/23/21

Contact Info

  • 800.262.2622
  • info@armltc.com
  • www.armltc.com
  • 313 Washington Street | Suite 225 Newton, MA 02458


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

Mary DePalma-Nadler
Senior Director, Finance
Email Mary
Ext. 112

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

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

Sabrina Grullon
Director, Logistics
Email Sabrina
Ext. 117

Harris Kivitz, CLTC
Regional Sales Executive
Email Harris
Ext. 309

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

Alexa Beach
Director, Operations
Email Alexa
Ext. 113

Karen Marblestone Perry
Regional Sales Executive
Email Karen
Ext. 119

James Shea, CLTC
AVP, Marketing & Operations
Email James
Ext. 109

Jake Rosow
Director, Systems & Design
Email Jake
Ext. 118

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