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.

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 856-209-2377📞💬

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. 💡

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:
✅ Understand how Medicare works
✅ Avoid costly mistakes and late penalties
✅ Compare plans that fit your doctors, medications, and budget
✅ 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

👥 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.

✅ Options for small & growing businesses
✅ Competitive rates and flexible coverage
✅ Support for employees and employers
✅ 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.

02/12/2026

Protect Your Smile & Vision at Any Age! 👓😁

Did you know many health plans don’t include routine dental and vision care? Whether you’re on Medicare, self-employed, between jobs, or just looking for better coverage, SMS Insurance Agency can help you find an affordable Dental & Vision plan that fits your needs and budget!

✅ Routine cleanings & major dental work
✅ Eye exams, glasses, & contacts
✅ Coverage options for individuals & families of all ages

Don’t wait until you need care—get covered today! Contact us at 856-209-2377.

02/11/2026

🚨 Are the Rising Costs of Hospital Stays a Concern for You? 🚨

Did you know the average hospital stay in the U.S. lasts 4.6 days and costs around $13,262? Even with Health Insurance, out-of-pocket expenses like co-pays and deductibles can add up quickly.

A Hospital Indemnity Plan can help cover these unexpected costs, providing peace of mind and protecting your retirement savings. Many of my clients worry about the financial burden of a hospital stay—let’s talk about affordable solutions to keep you covered.

Contact us at 856-209-2377.

02/06/2026

🚨 Medicare Penalties: What You Don’t Know CAN Cost You! 🚨

Did you know that if you delay enrolling in Medicare when you're first eligible, you could face lifetime penalties?
Here are a couple to watch out for:

📌 Part B Penalty: For every 12-month period you delay signing up after you're eligible, your monthly premium can go up 10% — for life!

📌 Part D Penalty: If you go 63 days or more without creditable prescription drug coverage, you’ll pay an extra fee every month — again, for life.

These penalties can really add up over time. 😬

✅ The good news? They’re completely avoidable — if you know when and how to enroll properly.

Not sure if you're on track or need help understanding your options? We're here to help!

Contact us today at 856-209-2377 for a no-cost Medicare review — and let’s make sure you’re penalty-free!

02/04/2026

💡 Life Insurance Fast Fact #5: There Are Options for Every Budget

Think life insurance is “all or nothing”? Not true!
You can start small and adjust as your needs grow.
Term, whole, final expense—there’s something for every stage of life.
Contact us at 856-209-2377 to learn about the options available to you.

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.

Address

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

Telephone

+16099344849

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