Long-Term Care awareness month is almost upon us – which always provides a timely opportunity to emphasize the importance of Long-Term Care insurance [LTCi] and its place in one’s financial plan. Part of this conversation typically includes the urgency to act now to limit exposure and lock-in more affordable premiums. Another consideration, however, is the…
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These days you can’t go too long without hearing about “millennials” – roughly speaking, the generation of those born between 1982 and 2000 – and when it comes to issues surrounding long-term care, the situation, perhaps surprisingly, is no different. Each generation has had to deal with its own long-term care challenges. For the past…
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People often think about insurance in a purely transactional sense. They view it as the purchase of a product that they may or may not use just in case they experience a certain type of loss. Of course, this is one of the fundamental purposes of insurance, but thinking about it this rigidly strips away…
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This November marks the 18th anniversary of Long-Term Care Awareness Month. With the holiday season nearly underway and thoughts of family on everyone’s mind, this is the perfect time of year to bring up discussions about the need to consider the important role that long-term care plays in one’s retirement plan. The need for proper…
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One of the many benefits of Long-Term Care insurance [LTCi] is the flexibility it provides when one needs long-term care services. Not surprisingly, most people prefer to receive care in their own home if at all possible. In fact, 77% of adults age 40+ indicate as much1. However, when the need for more intense or…
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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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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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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…
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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,…
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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…
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