Mission Statement

To earn the respect and trust of our clients by providing professional and timely services that exceed their expectations!

Long Term Care Insurance

We all Have a Million Dollar Problem


If Not Long Term Care Insurance, Then What –
Either You’re Ready to Solve the Problem or You’re Not


As a McKinney insurance consultant I pose this question to every client I have the opportunity to meet with. “If you should ever need care assistance in the future, who will pay for your care?”

It doesn’t matter if your 35 or 55, the question is applicable no matter how young or old you are. Chances are in all probability you will live a long life. People are living longer it’s just a fact of life. It’s also likely that you or someone you love will need long term care. 

You might think the investment in such a plan today is expensive, and feel that it’s not a problem for you to worry about. Looking into the future, the inflated cost of care 20 or 30 years from now means you need to plan ahead today, not tomorrow.  For many families, this can represent an average future claim of $1 million per person.

Where is your million coming from?

You along with every American have some pretty clear choices to make:

  • Use your hard earned savings and retirement money
  • Rely on the Government for your health care (a scary thought)
  • Transfer the risk to a qualified LTC insurance company


Every day you live, you either take the risk on yourself or you have insurance handle the risk.  Let's assume for the moment that you don’t want to give up control of your life and health decisions to the federal government and Texas. If this is the case, then the best and most cost effective solution is to have your own insurance.

You already buy insurance on your home, your car, and your health, but yet you don’t protect your retirement or your estate. Yet this is where your long term care money will come from.  This means that “You Have a Million Dollar Problem!” Either you are ready to solve the problem or you won’t. Either you will plan ahead for your family or you won’t. Either you will insure today or won’t.

The good news is that there are still many options on how to handle this issue. Together we can help you make sure you have all the information you need to make an intelligent decision. You don’t need to take any chances with your family or your retirement and you sure don’t want to let the people in Washington DC make decisions for you so make the call today and invest an hour of your life in learning how to protect yourself and those who count on you the most.

Call 469-742-0283 and ask for me, John Harman. I look forward to meeting you and helping you with any insurance, retirement, or tax questions you have.

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