Steven Bornfreund - Licensed Insurance Agent

Steven Bornfreund - Licensed Insurance Agent Specializing in Medicare Insurance, Get Covered NJ Health, Life Insurance, Annuities, Final Expense, Group Health and more.

I strive to ensure that you fully understand your coverage options, benefits, and the financial implications of each choice.

Many New Jersey residents are already seeing that premiums and out-of-pocket costs are increasing for 2026. And for some...
12/03/2025

Many New Jersey residents are already seeing that premiums and out-of-pocket costs are increasing for 2026. And for some, your current carrier may not even be offering plans in NJ next year.

But you don’t have to navigate this alone.

As an independent agent with SMS Insurance Agency, my job is to help you find a plan that keeps your coverage strong while reducing your costs wherever possible — whether that’s lower premiums, better cost-sharing, or higher subsidies you may qualify for.

Here’s how I can help:
🔍 Review your 2026 premium increases
💡 Compare options to lower deductibles & out-of-pocket costs
🔁 Find a new plan if your carrier is leaving NJ
📄 Handle your enrollment from start to finish

The changes coming for 2026 could hit your wallet — but together we can find a plan that works for you.

📞 Contact me at 609-934-4849 to schedule your free plan review.

Medicare has released the Part B premium and all other Medicare Part A & B costs for 2026. The standard Part B premium i...
11/15/2025

Medicare has released the Part B premium and all other Medicare Part A & B costs for 2026. The standard Part B premium is $202.90 per month for 2026. You can contact me at 609-934-4849 with any questions.

⭐ Medicare Annual Enrollment Period starts October 15th ⭐Choosing the right Medicare plan can feel overwhelming—but you ...
11/07/2025

⭐ Medicare Annual Enrollment Period starts October 15th ⭐

Choosing the right Medicare plan can feel overwhelming—but you don’t have to do it alone. As an independent insurance agent, I work for you, not the insurance companies.

✅ I review all available plan options, not just one company
✅ I help you compare costs, coverage, and benefits that fit your needs
✅ I make sure you understand any changes coming for 2026
✅ My services are always at no cost to you

Medicare is not one-size-fits-all. Let’s make sure you have the plan that gives you the right coverage and peace of mind for the year ahead.

📅 Schedule your 2026 Annual Enrollment review today—I’m here to help every step of the way!

You can contact me at 609-934-4849.

📢 Important Update for Get Covered NJ Members! Open Enrollment Starts November 1st 🩺If you're enrolled in a Get Covered ...
10/27/2025

📢 Important Update for Get Covered NJ Members! Open Enrollment Starts November 1st 🩺

If you're enrolled in a Get Covered NJ health plan, now is the time to review your options—especially if your current insurance company won’t be offering plans in New Jersey next year.

✅ I'm here to make this transition easy. Whether your carrier is exiting the market or you simply want to compare your options, I’ll help you find the right coverage for 2026 that fits your needs and budget.

👥 Personalized guidance
📄 Help with re-enrollment
🔍 Plan comparisons and subsidy review

Don't wait until the last minute—reach out now to stay covered without stress.

📞 Call me at 609-934-4849 or message me to schedule your review!
📍 Local. Independent. Here for you.

⭐ Medicare Annual Enrollment Period 2026 ⭐Choosing the right Medicare plan can feel overwhelming—but you don’t have to d...
10/23/2025

⭐ Medicare Annual Enrollment Period 2026 ⭐

Choosing the right Medicare plan can feel overwhelming—but you don’t have to do it alone. As an independent insurance agent, I work for you, not the insurance companies.

✅ I review all available plan options, not just one company
✅ I help you compare costs, coverage, and benefits that fit your needs
✅ I make sure you understand any changes coming for 2026
✅ My services are always at no cost to you

Medicare is not one-size-fits-all. Let’s make sure you have the plan that gives you the right coverage and peace of mind for the year ahead.

📅 Schedule your 2026 Annual Enrollment review today—I’m here to help every step of the way! Contact me at 609-934-4849.

🗓️ Medicare Annual Enrollment Starts Now! 🗓️October 15 – December 7 is your chance to review your Medicare plan and make...
10/15/2025

🗓️ Medicare Annual Enrollment Starts Now! 🗓️
October 15 – December 7 is your chance to review your Medicare plan and make changes for 2026.

Plans are changing — and so can your needs. Let’s make sure you’re still in the right plan.

I’m Steven Bornfreund, Independent Insurance Agent, and here’s how I can help:
✅ Review your current Medicare coverage
✅ Compare updated 2026 plan options
✅ Make sure your doctors, prescriptions, and costs still work for you

📞 Schedule your no-cost Medicare review today!
Contact me at 609-934-4849
SMS Insurance Agency — Local, experienced, and here to help.

👉 Don’t wait — get the guidance you need to make confident Medicare choices this year!

⭐ Medicare Annual Enrollment Period 2026 is one week away ⭐Choosing the right Medicare plan can feel overwhelming—but yo...
10/08/2025

⭐ Medicare Annual Enrollment Period 2026 is one week away ⭐

Choosing the right Medicare plan can feel overwhelming—but you don’t have to do it alone. As an independent insurance agent, I work for you, not the insurance companies.

✅ I review all available plan options, not just one company
✅ I help you compare costs, coverage, and benefits that fit your needs
✅ I make sure you understand any changes coming for 2026
✅ My services are always at no cost to you

Medicare is not one-size-fits-all. Let’s make sure you have the plan that gives you the right coverage and peace of mind for the year ahead.

📅 Schedule your 2026 Annual Enrollment review today—I’m here to help every step of the way! Contact me at 609-934-4849.

10/03/2025

📢 Medicare Annual Enrollment is almost here for 2026!

From October 15th to December 7th, you have the opportunity to review and update your Medicare coverage for the year ahead. This is the perfect time to make sure your plan truly fits your needs for 2026—whether that means adjusting your Medicare Advantage plan, reviewing drug coverage, or exploring new benefits.

Every year brings changes, and the right plan today may not be the right plan tomorrow. I’m here to help you compare your options, understand any updates, and find coverage that gives you peace of mind for both your health and your budget.

👉 Schedule your FREE, no obligation Medicare review today! Don’t miss this once-a-year chance to make sure your 2026 coverage works for you.

☎️ Contact us at 856-209-2377 to get started. Let’s find the plan that’s right for you!

🗓️ Medicare Annual Enrollment is Coming Soon! 🗓️October 15 – December 7 is your chance to review your Medicare plan and ...
09/30/2025

🗓️ Medicare Annual Enrollment is Coming Soon! 🗓️
October 15 – December 7 is your chance to review your Medicare plan and make changes for 2026.

Plans can change — and so can your needs. Let’s make sure you’re still in the right plan.

I can help:
✅ Review your current Medicare coverage
✅ Compare updated 2026 plan options
✅ Make sure your doctors, prescriptions, and costs still work for you

📞 Schedule your no-cost Medicare review today!
Contact me at 609-934-4849

👉 Don’t wait — get the guidance you need to make confident Medicare choices this year!

09/26/2025

Why Consider Whole Life Insurance? 💡💰

Whole life insurance isn’t just about protection—it’s about building a solid financial future. Here’s why many choose it:

✅ Lifelong Coverage – Unlike term insurance, whole life lasts your entire life, ensuring your loved ones are always protected.

✅ Cash Value Growth – Your policy builds cash value over time, which you can borrow against or use in the future.

✅ Stable Premiums – Lock in a fixed rate that never increases, no matter your age or health changes.

✅ Tax Advantages – Your beneficiaries receive a tax-free death benefit, and the cash value grows tax-deferred.

✅ Peace of Mind – No matter what happens, your family will have financial security when they need it most.

Contact us at 856-209-2377 to learn more about which life insurance option is best for you!

📬 Your Medicare Annual Notice of Change is on the way!If you have a Medicare Advantage or Part D plan, you’ll be getting...
09/18/2025

📬 Your Medicare Annual Notice of Change is on the way!

If you have a Medicare Advantage or Part D plan, you’ll be getting your Annual Notice of Change (ANOC) in the mail soon. This letter explains what’s changing with your plan for next year — costs, coverage and other benefits.

I know these letters can be a bit overwhelming, but you don’t have to figure it out alone. I’m happy to go over it with you and make sure your plan will still meet your needs in 2026.

📞 You can contact me at 609-934-4849 or send me a message — I’m here to help make Medicare simple.

09/18/2025

Why Consider Term Life Insurance? 🛡️💙

Term life insurance is one of the most affordable and straightforward ways to protect your loved ones financially. Here’s why it might be the right choice for you:

✅ Affordable Coverage – Get high coverage at a lower cost compared to whole life insurance.
✅ Income Protection – Ensures your family can cover daily expenses, mortgage, or debts if something happens to you.
✅ Flexible Terms – Choose coverage that fits your needs—10, 20, or 30 years.
✅ Peace of Mind – Provides financial security for your loved ones during crucial years.

Life is unpredictable, but your family's future doesn’t have to be. Let's find the right coverage for your needs. Contact us at 856-209-2377.

Address

1814 East Route 70 Ste. 333
Cherry Hill, NJ
08003

Telephone

+16099344849

Website

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