Steven Bornfreund - Licensed Insurance Agent

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United States
Cherry Hill, NJ
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.

02/02/2026

Self-Employed? Your Income Depends on YOU.

No sick days. No employer benefits. No backup paycheck.

If an injury or illness kept you from working, how long could you cover your bills?

Disability insurance helps replace a portion of your income so you can focus on recovery — not financial stress.

✔️ Covers your income if you can’t work
✔️ Helps pay everyday expenses
✔️ Designed for business owners & freelancers

You worked hard to build your business — let’s make sure one unexpected event doesn’t put it at risk.

Contact us at 856-209-2377 to discuss your options to protect your income!

01/29/2026

💙 Planning Ahead with Final Expense Life Insurance 💙

At SMS Insurance Agency, we believe protecting your loved ones starts with thoughtful planning.
Final Expense Life Insurance is a simple, affordable way to cover funeral costs, medical bills, and other end-of-life expenses — giving your family peace of mind when it matters most.

✅ Easy to qualify
✅ No medical exam (in most cases)
✅ Affordable monthly rates
✅ Coverage designed to fit your needs

Let us help you take the burden off your loved ones. A quick conversation today can make a world of difference tomorrow. Contact us at 856-209-2377.

SMS Insurance Agency — Scott & Steven Bornfreund, your trusted local agents.

01/28/2026

📢 Important Update for Medicare in 2026! 📢

For those on Original Medicare, here’s what’s changing for Medicare Part B in 2026:

👉 📈 Part B Standard Monthly Premium is Increasing
In 2026, the standard Part B monthly premium will be $202.90, up from $185.00 in 2025 — that’s an increase of $17.90 per month (about a 9.7% rise).

👉 💰 Annual Deductible Also Going Up
The Part B annual deductible will be $283 in 2026, up $26 from last year.

👉 📊 High-Income Surcharge (IRMAA) Continues
If your income is above certain thresholds, you may pay more (IRMAA) — with total premiums ranging higher depending on income.

📅 These changes took effect January 1, 2026. Questions about how this impacts your situation? Contact us at 856-209-2377.

01/21/2026

Turning 65 or New to Medicare? I Can Help!
Navigating Medicare can feel overwhelming, but you don’t have to do it alone! As an independent insurance agent with SMS Insurance Agency, I specialize in helping people like you understand their options and choose the right coverage.

✅ Medicare Advantage & Supplement Plans
✅ Prescription Drug Coverage
✅ Enrollment Guidance & Plan Comparisons
✅ Personalized Support at No Cost to You

Whether you're turning 65, newly eligible or have questions about Medicare, I’m here to make the process simple and stress-free. Let’s find the best plan for your needs and budget!

📞 You can contact me at 609-934-4849.

01/05/2026

Looking for Group Health Insurance for Your Business? We Can Help! 💼✅
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.

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.

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.

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.

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.

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.

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!

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.

Address

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

Telephone

+16099344849

Website

https://www.smsinsurance.agency/

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