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.

03/20/2026

Looking for Group Health Insurance for Your Business? We Can Help! đź’Ľâś…

At SMS Insurance Agency, we specialize in helping small and mid-sized businesses find affordable, comprehensive group health insurance plans that work for both employers and employees. Whether you're just starting out or looking to improve your current benefits package, we’ll guide you through your options and handle the details—so you can focus on running your business.

✔️ Competitive rates
✔️ Personalized plan comparisons
✔️ Ongoing support for you and your team

Let’s find the right fit for your company and your budget.

đź“ž Call us today at 856-209-2377 or send us a message to get started!

03/17/2026

Is Universal Life Insurance Right for You? 💡💰

Universal Life Insurance (UL) is more than just coverage—it’s flexibility and financial growth in one policy! Here’s why many people choose UL:

✅ Flexible Premiums – Adjust your payments based on your financial situation.
✅ Cash Value Growth – Your policy builds cash value over time, which you can use for emergencies or retirement.
✅ Lifelong Coverage – Unlike term life, UL can last your entire life as long as premiums are paid.
✅ Tax Advantages – Enjoy tax-deferred cash value growth and tax-free death benefits for your loved ones.

Whether you're planning for retirement, estate protection, or just want lifelong peace of mind, Universal Life Insurance could be a smart move. Contact us at 856-209-2377 to learn more.

03/12/2026

This week I had the opportunity to review scholarship applications for the Life Lessons Scholarship Program, and it’s something that truly stayed with me.

Every student who applies for this scholarship has lost a parent. As part of their application, they share their story—what life was like after that loss, and how the absence of life insurance impacted their family’s future.

Reading these stories was emotional. These are young people who had to grow up much faster than they should have. Many talked about the financial stress their families faced while they were also trying to process the grief of losing a parent.

As someone who works in life insurance, it was a powerful reminder that this isn’t just about policies or numbers. It’s about protecting families and making sure that during the worst moments of life, finances aren’t another burden they have to carry.

These students showed incredible strength and resilience, and their stories will stay with me for a long time.

It also reinforced why the work we do matters so much. Life insurance is one of those things people hope they never need—but when it’s not there, the impact can last for years.

If you would like assistance with protecting your family, you can contact me at 609-934-4849.

03/11/2026

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.

03/10/2026

Medicare Fast Fact đź’ˇ
Your Initial Enrollment Period for Medicare lasts 7 months — it starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after.

Missing this window can lead to coverage delays and lifetime penalties.

🎯 Planning ahead can save you money and stress.

If you're turning 65 soon, now is the time to start the conversation. Contact us at 856-209-2377 to review your options for starting on Medicare.

03/05/2026

Medicare Fast Fact đź’ˇ
Medicare Supplement (Medigap) plans let you see any doctor nationwide who accepts Medicare — no referrals and no networks.

That flexibility can be a big deal if you travel or want freedom of choice.

đź“ž Not sure if a Supplement or Advantage plan fits you better? We can help break it down. Contact us at 856-209-2377.

03/04/2026

Running a small business is hard enough—offering health insurance shouldn’t be. At SMS Insurance Agency, we specialize in helping small businesses find affordable group health insurance options that fit their budget and support their employees.

✔️ Plans designed for small teams
✔️ Help attracting & retaining quality employees
✔️ Clear guidance without the confusion
✔️ Ongoing support after enrollment

Whether you have just a few employees or are growing fast, We'll help you explore your options and build a benefits package that makes sense.

Contact us at 856-209-2377 for a free, no-obligation review.

02/26/2026

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.

Want to see if whole life insurance is right for you? Contact us at 856-209-2377đź“žđź’¬

Life insurance isn’t just a policy — it’s a promise to the people you love.A promise that if something unexpected happen...
02/24/2026

Life insurance isn’t just a policy — it’s a promise to the people you love.

A promise that if something unexpected happens, your family can stay in their home, pay the bills, and have financial stability during an incredibly difficult time.

As an independent agent with SMS Insurance Agency, I have real conversations with families about protecting their income, covering final expenses, and creating long-term security. Whether it’s term, permanent coverage, or policies with living benefits, my goal is simple: make sure your loved ones are protected.

If protecting your family has been on your mind lately, I’m here to help you put a plan in place! You can contact me at 609-934-4849.

02/24/2026

Choosing the right life insurance policy starts with understanding your needs. đź’ˇ

At SMS Insurance Agency, we know life insurance isn’t one-size-fits-all. Whether you’re looking to protect your family’s income, cover final expenses, or plan for the future, the right policy depends on your goals, budget, and stage of life.

Our team takes the time to explain your options—term life, whole life, and final expense—so you can make a confident, informed decision without pressure or confusion.

If you’ve been thinking about life insurance but aren’t sure where to start, we’re here to help. 🤝 Reach out to SMS Insurance Agency at 856-209-2377 for a free, no-obligation conversation and let’s find the coverage that meets your needs!

02/20/2026

🎉 Turning 65 or New to Medicare? Let’s make it simple.

Medicare can feel confusing at first — Parts A, B, C, D, supplements, deadlines… it’s a lot. You don’t have to figure it out alone.

At SMS Insurance Agency, we help people just like you:
âś… Understand how Medicare works
âś… Avoid costly mistakes and late penalties
âś… Compare plans that fit your doctors, medications, and budget
âś… Feel confident about your coverage

Whether you’re approaching 65 or newly enrolled, we offer free, no-obligation guidance and walk you through every step.

📞 Ready to get started or have questions? Contact us at 856-209-2377 — We're here to help make Medicare easy.

02/18/2026

đź‘Ą Offering Group Health Insurance for Your Business

If you’re a business owner or employer, providing health insurance doesn’t have to be complicated or expensive. At SMS Insurance Agency, we help businesses of all sizes find group health insurance plans that attract great employees while keeping costs under control.

âś… Options for small & growing businesses
âś… Competitive rates and flexible coverage
âś… Support for employees and employers
âś… Personalized guidance every step of the way

Whether you’re offering benefits for the first time or reviewing your current plan, We're here to make the process simple and stress-free.

Contact us at 856-209-2377.

Address

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

Telephone

+16099344849

Website

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