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Long Term Care Insurance. It's All We Do.

Joseph G. Pulitano, CLTC, President

Henrik Larsen, MBA, CLTC, CEO

Joseph G. Pulitano, CLTC, President

Joseph G. Pulitano, CLTC, President, is one of the pioneers of the long-term care insurance [LTCi] industry.  He entered the life insurance industry in 1983 and 6 months later he opened Advanced Financial Resources to market life insurance to 25-40 year olds.

In 1986, personal experience, stemming from his grandfather's need for long term care, required that he understood the issues surrounding long term care financing.  It was this experience that convinced him to take his agency in the direction of LTCi and Advanced Resources Marketing [ARM] was founded.

Since 1990, ARM has exclusively distributed LTCi.  In the early years its focus has been predominantly in the Northeast, but as ARM's distribution channels have multiplied, the company finds itself today in the position as a true nationwide distributor.

This expansion has been made possible by his unparalleled understanding of marketing and distribution.  He carries one of the largest individual books of business in the industry and ARM similarly holds one of the country's largest independently owned blocks of LTCi.

Joseph Pulitano has been involved in all aspects of the LTCi business with a focus on education of the general public as well as his distribution channels.  From 1993 – 1996, he taught a course on LTCi at Purdue University’s Insurance Marketing Institute; he has been a speaker at countless national industry events; a consultant to a several insurance companies; and his articles have been published nationwide in both industry and general publications.

He was also instrumental in the development of the LTCi industry’s first designation program – Certification for Long-Term Care [CLTC] – and he received literary credit for his contributions to this program’s course materials.

Joseph Pulitano and his wife, Evelyn Fowler, reside in Belmont, MA.

Henrik Larsen, MBA, CLTC, CEO

Henrik Larsen, MBA, CLTC is the Chief Executive Officer of Advanced Resources Marketing, Inc. [ARM], Boston, MA, one of the nation’s largest brokerage houses for Long-Term Care insurance [LTCi].

At ARM, Henrik is responsible for all aspects of sales, marketing, and strategic management.  Henrik oversees a sales force of 1,800 entities comprised of individual brokers, insurance agencies, professional associations, as well as financial institutions.   In addition Henrik carriers a personal book of LTC business in excess of $1.5M.

Henrik’s entire career in financial services has been devoted to 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 aspects of taxation pertaining to LTCi has 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 innumerable regional and national events including the 2002 National LTC Forum, New Orleans, LA, the 2004 National LTCi Summit, San Francisco, CA, and the 2007 Society of Actuaries’ Seventh Annual Intercompany Conference, Dallas, TX.

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

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