Steven Bornfreund - Licensed Insurance Agent

04/21/2026

🚨 We're Growing — And Looking for Amazing People! 🚨

Our agency has been blessed with steady growth, and we’re excited to share that we’re expanding our team! We’re currently looking for Independent Medicare Insurance Agents. You should have a genuine passion for helping others, provide a personalized approach to service, and have the support of a dedicated team of industry experts behind you.

We know firsthand how rewarding this work can be — the relationships we build with our clients are truly special. If you’re already licensed and looking for a new opportunity, or if you’re just exploring what a career in Medicare insurance might look like, we’d love to talk.

Let’s grow together. 🌱

📩 Message us or comment below if you're interested — or tag someone you think would be a great fit!

04/16/2026

Medicare Fast Fact 💡
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.

Not sure if a Supplement or Advantage plan fits you better? We can help explain the differences so you can make an informed decision!

Contact us at 856-209-2377.

04/14/2026

Life is unpredictable, but your financial security doesn’t have to be. Here are the 5 Key Coverages that help protect you and your loved ones from excessive financial burden:

✔ Disability – Income protection when you need it most
✔ Hospital & Medical Expenses – Avoid overwhelming medical bills
✔ Cancer Expenses – Coverage for unexpected treatments & costs
✔ Long-Term Care Expenses – Home health care & nursing home coverage
✔ Final Expenses – Ease the financial stress on your family

At SMS Insurance Agency, we’re here to help you find the right coverage to fit your needs. Let’s ensure you’re prepared—contact us today!

📞 856-209-2377
💻 www.smsinsurance.agency

👉 Tag a friend who needs to see this!

04/10/2026

💙 Cancer Costs & Coverage – Are You Financially Prepared? 💙

No one wants to think about cancer, but the reality is 4 out of 10 people will be diagnosed in their lifetime. While treatment can be life-saving, the costs can be overwhelming—even with health insurance.

💰 Did you know? Cancer patients without extra coverage can spend up to 23% of their household income on out-of-pocket costs in the first year!

Health insurance may cover some medical expenses, but many unexpected costs—like travel for treatment, second opinions, home care, and lost income—are not fully covered.

💡 A supplemental cancer policy can help by providing a lump-sum cash benefit, giving you the flexibility to:
✔️ Cover out-of-pocket medical costs 🏥
✔️ Pay for alternative treatments 🌿
✔️ Take time off work or hire extra help at home 🏡
✔️ Support family members assisting with care ❤️

Whether you're young and planning ahead or older and reviewing Medicare options, having the right coverage can provide financial peace of mind.

📞 Let’s talk about your options today!

📍 Scott Bornfreund/Steven Bornfreund
📍 SMS Insurance Agency
📍 856-209-2377 | www.smsinsurance.agency

04/09/2026

Many of my Medicare clients have been asking about long-term care lately—what it costs, how it’s covered, and how to protect their savings if care is ever needed.

Here’s the reality: Medicare generally does not cover long-term care like extended nursing home stays, assisted living, or long-term in-home care. And those costs can add up quickly.

That’s why more people are choosing life insurance with a Long-Term Care rider.

Why this option is so popular:

• If you need long-term care, you can use part of the policy to help pay for it.
• If you never need care, your loved ones still receive the full life insurance benefit.
• It helps protect the retirement savings you worked hard to build.
• Many plans offer predictable premiums and guaranteed benefits.

In other words, it lets you plan for care without feeling like you’re paying for something you may never use.

If you’ve been thinking about long-term care planning, I’m happy to answer questions or show you what this could look like for you. You can contact me at 609-934-4849.

Send a message to learn more

04/01/2026

Has Your Medicare Supplement Insurance Company increased your premium?

You’re not alone—and you do have options. If your premium increased over the past year and you're wondering what to do next, we can help you compare plans and potentially save money without sacrificing coverage.

As as Independent Insurance Agency, we work with multiple top-rated carriers and can help you shop smarter—at no cost to you. Let’s see if there’s a better fit for your needs and budget.

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

03/23/2026

Think Medicare covers long-term care? Not exactly.

Medicare will cover short-term skilled nursing care after a qualifying hospital stay — but it does not cover custodial long-term care (help with bathing, dressing, or extended nursing home stays).

Many families don’t find this out until it’s too late.

Understanding what Medicare covers — and what it doesn’t — is key to protecting your retirement savings.

Interested in learning more about Long-Term care solutions, contact us at 856-209-2377.

03/20/2026

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.

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