We work for the family across the table. Not the carrier.
New Era Financial is a wealth management team serving families in all fifty states — virtually or in person. We broker life insurance and retirement products through more than thirty A-rated carriers. Because we're independent, we're not selling one company's shelf — we shop the whole market and recommend what actually fits.
Who we are
New Era Financial is a wealth management team and independent financial services organization headquartered in San Antonio, Texas, serving clients across all fifty states, virtually or in person. Our licensed agents work with families, business owners, and retirees on the two questions that matter most: what happens to the people who depend on you, and will the money still be there when you stop working.
We are brokers, not captive agents. That distinction is the whole business. A captive agent can only offer you what their one company sells. We hold contracts with more than thirty A-rated carriers, which means we can put your situation in front of the entire market and bring back the option that actually fits — not the only option available.
Every conversation starts the same way: understand the household, run the numbers, explain the trade-offs in plain English, and let the client decide. No pressure. No jargon. No product pushed because it pays better.
Our duty runs to you
The most important thing to understand about how we're built: our fiduciary duty is always to the client, never to the carrier.
Client First, Always
We represent you in the transaction — not the insurance company. Our obligation is to your outcome, and every recommendation is made on that basis.
Independent, Not Captive
No parent carrier. No quota on one product line. Thirty-plus A-rated carriers compete for your business, and we bring you the winner.
Full Market Comparison
You see the options side by side — carrier, rating, premium, guarantees, and the fine print that matters. Then you choose.
"A captive agent has one shelf to sell from. We have thirty. That's not a slogan — it's the reason our clients end up in better contracts."
What we offer
Five core lines across life insurance and retirement. Every agent is trained on all five, so the conversation starts with your situation rather than a product.
Indexed Universal Life
Permanent coverage with cash-value growth linked to market index performance and protection from index losses. Built for families who want protection and a tax-advantaged asset in the same policy.
Final Expense
Whole life coverage sized to funeral, burial and end-of-life costs, so the bill never lands on your children. Affordable, guaranteed, dignified.
Term Life
The most coverage for the lowest premium during your peak earning years. Replaces your income for the people who count on it.
Annuities
Guaranteed lifetime income strategies for clients who refuse to outlive their money. Fixed and indexed options across our carrier network.
Rollovers
Reposition existing retirement funds into protected vehicles. We review your current 401(k), IRA or pension and show you what a rollover would and wouldn't do before anything moves.
Policy Review
Already covered? Bring us the policy. We'll tell you honestly whether it still fits — including when the answer is "keep what you have."
Why the A-rating matters
A life insurance policy is a promise that has to be good decades from now. An A-rating from AM Best is an independent assessment of whether the company behind that promise can actually pay it.
We place business exclusively with A-rated carriers. Not because it sounds good on a website, but because the whole product is worthless if the carrier can't perform when your family files the claim.
30+ Carriers
A-rated, nationally recognized companies competing for your business.
All 50 States
Licensed nationwide. Wherever you live, we can help.
However You Want
Phone, video and e-signature — or an agent at your kitchen table. Offices nationwide, and licensed in every state.
No Fee to You
Our compensation comes from the carrier. Our advice costs the client nothing.
How it works
Four steps, start to finish. Most clients are approved and in force within two to four weeks.
Conversation
A short, no-obligation call. We learn who depends on you, what you already have, and what you're trying to protect.
Needs Analysis
We run the actual numbers — income replacement, final expenses, retirement gap — and show you the math, not a sales pitch.
Market Shop
We take your profile to our carrier network and bring back the strongest options side by side. You pick.
Placement & Service
We manage underwriting through approval, then stay the point of contact for reviews, changes and claims. The relationship doesn't end at the sale.
Reach the right desk directly
Every address below goes to a named person, not a ticket queue. Use the one that matches your question and it lands with the person who handles it — no transfers, no hold music.
Let's find out what actually fits your family.
Pick a time that works and a licensed New Era agent will walk you through your options across our full carrier network. No pressure, no fee, and a straight answer — including when the answer is that you don't need what we sell.