About Us

With more than 40 years of experience in the insurance and financial industry, New Generations Financial has the know-how to help you navigate your mortgage, retirement, and estate planning needs, both today and tomorrow. And, we have never charged fees to manage your money for you. The insurance companies pay us a commission.

Our team is comprised of only the most knowledgeable, licensed and experienced advisors, all dedicated to one goal: providing a comprehensive, dynamic financial plan that protects clients and their assets through any potentially life-altering event. Whether you need access to your savings during a long recuperation period of critical or chronic illness, or you’re seeking financial support for a loved one’s disability, or even if you experience a premature death in the family — we are the team of advisors that will be here for you no matter what.

We not only want to help you build a bridge to a better future, but we strive to help you every step of the way as you cross it. No event is too significant or life-altering to affect your financial goals, because we will put in the time and effort to ensure your assets stay secure and protected no matter what.

Our areas of expertise include advisory services for mortgage protection, living benefits, life insurance, retirement planning, estate protection, and more. Contact us today to schedule a free Virtual Consultation, or a face-to-face meeting and we’ll be eager to discuss how our team can help you.

We have helped THOUSANDS of families just like yours. Get in touch with us now so that one of our Mortgage Protection Specialists may confirm your eligibility and lock in the low introductory rates you qualify for.

Please take a couple of minutes now to fill out the contact form. In the message section, please provide us with your name, date of birth for you, as well as your spouse or partner; if any. Your mortgage amount, or the amount of Living Benefits Coverage you desire. Rates are determined by your age, tobacco usage, health history, and mortgage or benefit amount you select.

So our Mortgage Protection Officer may contact you to confirm the benefits you are eligible to receive, please provide us with your day and evening numbers and cell phone numbers. We look forward to serving you.

Alan and Beth Smithey have over 40 years of combined Insurance and Retirement Planning experience. In 1981, Alan started in the Health Insurance Market selling health plans to individuals selling over $10,000,000.00 in annual premiums. Seeing his success, Alan was offered an opportunity to grow with an Independently Owned Life Insurance Agency and helped recruit and train agents. Within a few years, Alan had developed his own sales system, phone scripts, marketing lead, and recruited and trained over 6,000 agents helping them to write over $150,000,000 in annual sales. With success in the air, in 2000, Alan was approached by another company to take the position as Vice President of Marketing and Sales and build a Life Division from the ground up. Taking his sales and marketing expertise to another level, Alan spent 16 years building a solid, successful, Mortgage Protection Life Insurance Agency generating over $25,000,000.00 in annual sales and developing several multi-million dollar producers.

In 2000, coming out of the Mortgage Industry, Beth began to sell Health Insurance plans to the self-employed. In 2003, she was offered an opportunity to sell Mortgage Protection Life Insurance with another agency. From 2003 until 2012 she was always one of the top 5 producers and taught a training class on setting appointments. In 2013, after a tragic auto accident, she became certified in Retirement and Estate Planning bringing a more valuable layer of protection to her existing clients.

With Industry and marketing changes, in 2016, Alan and Beth decided to step out on their own and build a family-owned Agency, which is when Retirement and Mortgage Protectors, was founded. Bringing together different talents and expertise, they are building a strong, stable, Agency with access to over 30 “A” Rated carriers. They believe it is important to find the right policy for you and your family, understanding each families needs and budget are different. Insurance can be complex, but with their hands-on and easy to follow sales concept, appointment setting skills, expertise in marketing, underwriting, and sales training, the solution is simple.

Building an Agent-Owned Insurance Agency with Christian values, treating agents like family, and working personally with each of them to ensure they meet their goals is a big part of the culture they are creating for their agency. They currently have satellite offices all across the United States, servicing out Great Nation.