Is it Right for you?

CHOICES For Long Term Care Insurance serves clients who are based primarily in the New York Metropolitan area. They include singles and couples, generally ranging in age from 40 to 79. We also bring new insight to the greater risks facing couples in second marriages and domestic partners.

According to the 2012 long term care source book about 56% of applicants are between the ages of 55 and 64, and 22% are between the ages of 45 and 54. Implementing a long term care plan while you are young and healthy, in many cases will reduce the cost of the coverage over your lifetime.

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What Our Clients Are Saying:

A tough combination to beat
“Vivian Gallo is thorough, conscientious and understanding. As a specialist in the field of long term care insurance, she is available to answer questions, to solve problems and to be there for her clients when it really counts. That is a tough combination to beat.”
– Peggy Weiss, New York City

One of the best
“We recommend Vivian Gallo and her company “CHOICES” to anyone needing a skilled and caring professional to guide them in making long term care decisions for the future. There are few specialists in the field of long term insurance coverage, and Vivian is one of the best.”
– Audrey and Dean Irwin, New York City

A true expert
“It was refreshing to work with a true expert in the rapidly evolving field of long term care insurance. In addition to being incredibly knowledgeable, Vivian also was very patient in taking the uninitiated through the thought process necessary to ensure a proper fit of needs to offerings. I would highly recommend Vivian Gallo to anyone seeking information on long term care insurance.”
– Russell H, Brooklyn

Impressed with Vivian’s ability
“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!”
– Sue Montana and Robert Bennett, Sayville

Very patient and explained things clearly
“In view of how health care has been changing, I recently decided it was time for me to look into purchasing long term care insurance. I attended a seminar presented by Vivian Gallo and then decided to work with her. Vivian was very patient and explained things clearly, guiding me toward the company that best met my needs. She really went to bat for me to get me the coverage I wanted. Instead of being your typical pushy salesperson, she walked me through the process carefully and made sure I understood everything. I would highly recommend her services to anyone shopping for long term care insurance.”
– Deborah Golab, Tarrytown

An unbeatable advocate for her clients
“Vivian Gallo is so much more that a consummate expert in long-term care planning. She is a caring independent broker with an in-depth knowledge of insurance companies, products and benefits. She is an exceptional listener and a skilled presenter. Vivian learns who you are and what your family needs are, as well as what your budget permits. She is an unbeatable advocate for her clients and presents insurance jargon in language that can be easily understood.”
– Barbara Kalik, M.S., CCC-SLP

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