“I carefully read my policies before submitting my LTD claim. One carrier’s policies were unintelligible, even after repeated readings.

Luckily I found Vivian Gallo. She explained all the policy nuances, enabling me to do things that I would never have been aware of – such as structuring the sale of my dental practice with the policies in mind.

I would recommend anyone about to submit a disability insurance claim to call Vivian Gallo FIRST”

– BK, GA

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