Long Term Care Insurance & Planning

Most people find the subject of long term care planning perplexing. Preserving one’s independence, dignity and quality of life is a highly personal and emotional issue. CHOICES offers the professional guidance and planning required to make sure you are prepared if the need for care ever arises.

Long Term Care Insurance & Planning

For employers, the tax advantage of offering employees group long-term care insurance is just one among many attractive features of this benefit. Group LTCI is considered a sound strategy for recruiting and retaining the best talent, while containing costs and enhancing employee productivity.

To employees, in addition tax advantages, group coverage may include simplified health underwriting and potential discounts.

About Us

Vivian P. Gallo, CLU, AEP, CLTC
As a specialist in long term care planning, Vivian Gallo has been educating people about the importance of planning for long term care since 1996.   She also has more than 30 years experience in accident and health insurance and brings her clients extensive knowledge in contracts and claims.


Read what my clients say about my level of
service and the success that they've achieved
" Although some people may think we're too young to be purchasing long term care insurance, we've seen first hand what can happen when you're not prepared. "
" Vivian was able to evaluate our unique needs and means, and present us with a comprehensive comparison of the options available to us. "
" As an insurance professional myself, I was impressed with Vivian’s ability to hone in on the nuances of the different policies and explain the implications of each. One thing less for us to worry about! "