Steven Bornfreund, Life Insurance Broker
Steven Bornfreund
SMS Insurance Agency
Life Insurance Broker Licensed in NJ, DE, FL, NY and PA
Contact Details
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Location
Cherry Hill, NJ
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Website
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About Me
As a life insurance agent with SMS Insurance Agency, I help people plan for the “what ifs” of life—so their families don’t have to. I believe life insurance should be easy to understand and tailored to your real needs. I take the time to understand each person’s goals and budget so I can recommend coverage that truly fits their life—not a one-size-fits-all policy. I’m here to educate, guide, and make sure you have coverage that gives you peace of mind today and security for the future.
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My Google Reviews
Total Reviews (0.0)
August 20, 2026
We are in our second year with Steven at SMS Insurance Agency, and the service remains outstanding. I highly recommend them to any business looking for a trusted insurance broker. Steven handles our medical plans brilliantly, they also offer other needs like life insurance. He is incredibly responsive, professional, and always available to answer our questions. We love that they are local and always willing to stop by our office in person to explain new plans and answer questions directly from our employees. Five stars!
August 19, 2026
Very knowledgable, easy to work with.
January 8, 2026
Ive used Steven several times now for our healthcare & recently transitioned to Medicare. I was so overwhelmed and apprehensive when l walked into his office, but because of his patience & ability to clarify & help me untangle all the choices l had in front of me, l left feeling self assured & very at ease that I'd made the right choices for me. Theres never any pressure or manipulation working with Steven. Just sincerity & concern, and who wouldnt appreciate that?
January 7, 2026
Steve helped me find a great Medicare policy. Couldn’t do it without his help.
January 6, 2026
Steven helped me through a couple of important decisions relative to collecting social security as well as selecting a Medicare plan and supplement insurance. I highly recommend him as he is knowledgeable, pleasant and was willing to meet with me at a mutually convenient location.
Q&A with Steven Bornfreund
Can life insurance help pay for long-term care or nursing home costs?
Answer: Yes, life insurance can help to pay for long-term care if you were to purchase a life insurance policy that has a long-term care rider within the policy. The benefit of having the rider within the life insurance policy is that if you don't need long-term care, you still have a death benefit. There are certain types of policies that offer a long-term care rider. Those are usually Universal Life Policies.
How do you help a client decide between term and whole life insurance?
Answer: Helping a client decide between term and whole life insurance depends on their personal goals and reasons for wanting life insurance. The age of the person and budget can also play a factor.