McCarty & Associates Insurance Brokerage
McCarty & Associates

Coverage planned around your family, explained in plain English.

McCarty & Associates helps veterans, families, and individuals sort through their coverage options — what they already have, where the gaps may be, and what is actually worth considering. No pressure, no jargon-first sales talk.

John McCarty · Insurance Broker National License #22273307
Book an Appointment Call 703-728-1407 Text John Email
A family reviewing paperwork together at their kitchen table, an American flag visible through the window
Start with a conversation. Most first calls are simply a review — what you have today, what it covers, and what it doesn't.
Broker
John McCarty
National License
#22273307
Based in
Chantilly, Virginia
Reach John at
703-728-1407
What John helps with

Five areas, one straightforward conversation

Every engagement starts the same way: John looks at your situation first, then talks through the options that fit it. The descriptions below are general — the specifics always depend on your circumstances and eligibility.

A service member in uniform smiling outdoors with his family
For those who served

Veterans

Veterans and their families often hold a mix of earned benefits and private coverage, and it is not always clear how the pieces fit together. John works with veterans to review what is in place and talk through coverage options designed with veterans and their families in mind.

  • A plain-language review of the coverage you already have
  • How private coverage can sit alongside benefits you have earned
  • Options for spouses and family members, not just the veteran
Ask about veterans coverage →
A firm handshake between two professionals in suits
Coverage for adults with diabetes

Adult Diabetes Organization (ADO)

Living with diabetes can make insurance questions harder to sort out — which options are open to you, what they cover, and what they will actually cost. Through the Adult Diabetes Organization (ADO), John helps adults living with diabetes understand their insurance and coverage options and find coverage that fits their situation and their budget.

  • Your coverage options, explained in plain language
  • How options work alongside coverage you already carry
  • A clear cost picture before you decide anything
Ask about ADO →
An attorney in a suit discussing documents with clients across a desk, a gavel in the foreground
Legal plan memberships

LegalShield

Legal questions come up in ordinary life — a will that needs writing, a contract worth a second look, a traffic ticket, a landlord dispute. LegalShield memberships give members access to attorneys for everyday legal matters, and John helps individuals and families decide whether a membership fits their situation.

  • Access to attorneys for common, everyday legal matters
  • Help with wills and other routine legal documents
  • Membership options for individuals, families, and small businesses
  • Start with the free Family Legal Protection Guide — everyday legal basics for families in any state
Visit John's LegalShield page →
Get the free Family Legal Protection Guide →
Watch the official 60-second overview — “LegalShield & IDShield Overview 2025” from PPLSI, LegalShield's parent company.
A senior couple reviewing household paperwork and a calculator together at home
Planning ahead

Final Expense

Final expense coverage is intended to help with end-of-life costs — funeral and burial expenses and other bills left behind — so those costs do not fall on the people you love at an already difficult time. John explains how these policies generally work and what to look at when comparing them.

  • How final expense policies are typically structured
  • Coverage amounts and monthly costs, in real numbers
  • What to check before choosing any policy
Ask about final expense →
A family holding the keys to their new home, standing on the lawn in front of it
Protecting the home

Mortgage Protection

For most families, the mortgage is the largest bill of the month — and the home is what they most want to hold on to. Mortgage protection coverage is designed to help a family keep their home if a breadwinner dies or is seriously disabled, by helping cover the mortgage when the income it depends on stops. John explains how these policies generally work and what to think through when matching one to your loan.

  • How coverage can be sized to your mortgage balance and loan term
  • Options that address death and, in some cases, disability
  • What to revisit as your balance goes down over the years
Ask about mortgage protection →
How it works

Three steps, at your pace

1

Tell John your situation

A call, a text, or an email. Share what you have today and what you are worried about — that is enough to start.

2

Review your options together

John explains the options that fit, what each one covers, and what each one costs — in plain English, with your questions answered.

3

Decide in your own time

Take the information home, talk it over with family, and decide when you are ready. If you move forward, John handles the paperwork with you.

Portrait of John McCarty, insurance broker, wearing a navy suit, light blue shirt, and glasses
John McCarty
Insurance Broker · Founder
National License
#22273307
Business
McCarty & Associates
Based in
Chantilly, Virginia
Phone / Text
703-728-1407

John works with clients directly — when you call, you reach him, not a call center.

About John

The person on the other end of the phone

John McCarty is an insurance broker and the founder of McCarty & Associates, based in Chantilly, Virginia. He works one-on-one with clients — veterans, families, and individuals — on veterans coverage, Adult Diabetes Organization (ADO), LegalShield legal plan memberships, final expense planning, and mortgage protection.

John's approach is simple: understand what a client already has, explain the options honestly, and let the client decide. When you call McCarty & Associates, you reach John directly — the same person who will walk you through your options and help with the paperwork if you choose to move forward.

Not sure where to start? Bring what you have. A short review costs nothing but a few minutes, and it usually answers the biggest question: whether what you have today is actually doing the job you think it is.

Resources

Tools and pages John already uses with clients

Family Information Guide A guided form for getting your family's key information down in one place — accounts, contacts, policies, and wishes — so the people who need it can find it. Fill it in yourself and print or save your own copy. The Family Legal Protection Guide John's free LegalShield guide to the everyday legal matters families run into — wills, contracts, traffic tickets, landlord questions — and how a legal plan can help, wherever you live. Read the guide, then talk with John about whether a membership fits your household. LegalShield Associate Page John's LegalShield page — membership details and enrollment for legal plan coverage for individuals, families, and small businesses. John's Digital Business Card Save John's contact details straight to your phone — name, phone, email, and license number — so his number is there when you need it.
Common questions

Before you call

Does it cost anything to talk with John?
No. A first conversation and a review of what you currently have are free. If you decide to move forward with a policy or membership, John will lay out exactly what it costs before anything is signed.
I'm a veteran. How does private coverage fit with my benefits?
It depends on what you have earned and what gaps remain — which is exactly what a review is for. John will look at your current benefits and coverage together and explain, in general terms, where additional coverage may or may not make sense.
What is final expense coverage meant to do?
It is generally intended to help cover end-of-life costs such as funeral and burial expenses, so those bills do not fall on your family. Amounts, costs, and eligibility vary by policy — John can walk through real examples for your situation.
What does a LegalShield membership actually cover?
Memberships provide access to attorneys for a range of everyday legal matters — things like having a will prepared, getting a contract reviewed, or dealing with a traffic matter. John's LegalShield page has the current membership details, and he is happy to talk through whether it fits you.
What is mortgage protection meant to do?
It is coverage intended to help your family keep the home if a breadwinner dies or is seriously disabled — generally by helping with the monthly mortgage payments or the remaining loan balance when the income behind them is gone. What it covers, what it costs, and how long it lasts vary by policy — John can walk through general examples for a loan like yours.
Do I have to decide on the first call?
No. The first call is information. Take what you learn, talk it over with the people it affects, and come back when you are ready — John will be here.

Talk with John directly

Call, text, or email — whichever is easiest. If you reach voicemail, leave a message and John will call you back himself.

Book an Appointment Call 703-728-1407 Send a text Send an email
Phone / Text
703-728-1407
Mailing address
McCarty & Associates
PO Box 221561
Chantilly, VA 20153
License
John McCarty · National License #22273307