In this episode, we dig into the basics of health insurance—what it really means, how it works, and the most important things you should know whether you’re an individual, a family, or a business owner.
In this episode, we dig into the basics of health insurance—what it really means, how it works, and the most important things you should know whether you’re an individual, a family, or a business owner.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
Melissa Sternreich is an experienced professional with a diverse background in both corporate America and education. Holding a Bachelor’s degree in Psychology and having pursued graduate studies, she brings a deep understanding of human behavior and communication to her role. With strong organizational skills and a client-focused approach, Melissa now leads our customer service team at Safe Haven Insurance.
Her dedication, problem-solving abilities, and commitment to client satisfaction have made her an invaluable asset to our organization, ensuring a seamless experience for every customer she assists.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
Jennifer Cardone is a dedicated insurance professional at Safe Haven Insurance, committed to helping individuals and businesses secure the right coverage for their unique needs. With a passion for providing personalized insurance solutions, she takes the time to understand each client’s specific circumstances, ensuring they receive expert guidance and comprehensive protection.
Jennifer believes that insurance is more than just a policy, it’s about financial security and peace of mind. She works closely with clients to navigate the complexities of coverage options, offering tailored recommendations that align with their goals. Her dedication to exceptional service and attention to detail make her a trusted resource for those seeking reliable protection for their assets, families, and businesses.
Jennifer takes pride in building lasting relationships and making a positive impact by helping clients safeguard their future with confidence.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
Iris Rivera is a dedicated HR leader with over 25 years of experience in Employee Relations and People Team Building. As the founder of Rivera Resources, she is passionate about helping small businesses navigate the complexities of human resources by providing tailored solutions that simplify HR management.
Throughout her career, Iris has worked extensively with the Spanish-speaking community and individuals from diverse backgrounds. She has mastered the art of managing employee relationships, resolving workplace conflicts, and optimizing HR processes to ensure smooth operations for businesses of all sizes.
As a bilingual HR consultant, Iris Rivera is committed to delivering customized solutions and personalized guidance to meet the unique needs of each client. She understands that HR can be overwhelming—especially for small businesses with limited resources—and believes in the power of empathy and active listening to provide effective, practical support.
Iris Rivera’s goal is to empower businesses with the HR tools and strategies they need to thrive, ensuring compliance, efficiency, and a positive workplace culture.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
After more than two decades of experience as an AVP and consultant in the investment industry, working with leading custody banks in both the United States and South Africa, I chose to shift my focus to Medicare and insurance. With a deep commitment to making a meaningful impact, I am dedicated to guiding individuals through the often-complex world of Medicare and insurance. My goal is not simply to help people choose the right plan, but to empower them with the confidence and security that comes from knowing their coverage truly addresses their unique needs. I recognize that healthcare decisions are among the most critical choices we make, and I am here to offer clarity, empathy, and unwavering support throughout the entire process. I’m not just selling insurance; I’m building trust, fostering peace of mind, and helping people navigate their healthcare journey with confidence.
Después de más de dos décadas de experiencia como AVP y consultor en la industria de inversiones, trabajando con los principales bancos de custodia tanto en los Estados Unidos como en Sudáfrica, decidí cambiar mi enfoque a Medicare y seguros. Con un profundo compromiso de tener un impacto significativo, me dedico a guiar a las personas a través del mundo a menudo complejo de Medicare y seguros. Mi objetivo no es simplemente ayudar a las personas a elegir el plan correcto, sino empoderarlos con la confianza y la seguridad que proviene de saber que su cobertura realmente aborda sus necesidades únicas. Reconozco que las decisiones de atención médica se encuentran entre las decisiones más críticas que tomamos, y estoy aquí para ofrecer claridad, empatía y apoyo inquebrantable durante todo el proceso. No solo estoy vendiendo seguros; estoy construyendo confianza, fomentando la paz mental y ayudando a las personas a navegar su viaje de atención médica con confianza.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
Jonathan Silberstein is an experienced insurance professional with over 25 years in the industry. He started his career with New York Life in NYC, later joining Cowan Financial Group, a MassMutual agency, where he transitioned to employee benefits, specializing in worksite plans for small businesses.
This focus included health insurance, payroll-deducted benefits, and executive plans, establishing him as a trusted advisor. Networking has been a key part of his practice; he served as President of NYC’s BNI Chapter 4, growing it significantly during his four-year term. Today, he’s aligned with Safe Haven Insurance Agency in Melville, NY, a leader in Medicare and health insurance. Jonathan resides in Huntington, NY, with his wife of 29 years and has a son and dog Asher.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
I come from a middle class, blue collar family of small business owners. My grandfather worked seven days a week, 12 hours a day and practically never took a vacation. My father followed suite and I was next in line.
I remember as a kid my dad would wake me up at 4 am before school to help him open his deli. I would prep the bacon and home fries for the morning rush. On Sunday morning at 2 am my grandfather would honk his horn in front of my house, so I could put the newspapers together before his morning rush.
I loved every second of it! I was spending time with my two favorite people, building the family business’ and making money! Yes, I got paid too! Soon enough, I was working before school, after school and twelve hours a day on the weekends. My family certainly taught me work ethic and how to earn.
One day I asked my grandfather when he was going to retire? He replied, “When they bury me.” I realized as I matured why he said that, he had no retirement. He knew how to earn and that was it. He worked until the day he went into the hospital and he passed shortly after that. When he passed my grandmother was 70 and she didn’t get a check from the insurance company, all she opened was the next months bills. She worked every day until she was 86.
My Dad, he still works every day, seven days a week. When he got sick and was in the hospital, we took turns watching his restaurant. When he came home from the hospital, my mother drove him to work because he had no choice. I guess I was next?
My Grandfather actually had a fairly large Term Insurance policy and it expired the year before he passed. He was never guided or reminded by his agent that it wasn’t going to last forever and to get into something permanent such as Whole Life.
My Grandmother is now bedridden from a fall she had 2 years ago. She makes $300 too much with social security and isn’t eligible for Medicaid. My family and I share the costs of Aides and split the time needed for care between the 7 of us. No one ever spoke to my Grandparents about Long Term Care Insurance.
When my father couldn’t work because of his illness, he didn’t have Permanent Disabilty Insurance and had to figure out how to get back to work quickly. We all know the disabilty Insurance we get from work is not enough to survive. He was never told about it…
MY WHY…. is to break the cycle. To help people and families that have worked their butts off learn how to protect themselves and their families. How to plan for retirement, estate planning, college funding, LIFE, FAMILY, and most important, TOMORROW… that’s my selfish gratification.
