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About Us

About Atlantic Benefit Consultants

At Atlantic Benefit Consultants helping you achieve your vision for quality insurance coverage is our number one goal. We work closely with you to objectively assess your individual needs.


Specializing in education & customization of financial resources to achieve your lifetime financial goals with a surgical approach & ongoing annual reviews.


What we stand for

​Atlantic Benefit Consultants are here to help. Being independent allows us access to a diverse set of products and solutions from a wide-range of insurance companies.


We listen and acknowledge your needs and wants on insurance and take the time to find the right insurance for your specific needs.

Paper cut of family on green grass, Conc

How do we find the right insurance for you?

Step 1

Here we learn your wants, needs, and expenses.

Step 2

We then evaluate and consider the right insurance coverage for

your needs.

Step 3

Here we will present and analyze your plan.

Meet the Team

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Debra Sephton

FL Agent Lic# W038625

FL Agengy Lic# L088821

Debra Sephton is the founder of Atlantic Benefit Consultants, LLC, a licensed life, and health insurance agency in the state of Florida, established in 2014.

Originally from Upstate New York, Debra is a former nurse, business banker, and mayor. She has over 25 years of experience in the insurance and financial services industry and 13 years as a Medical Professional.

Debra’s medical and financial background has enabled her to teach others the value and importance of proper health insurance planning. Together with her team of licensed agents, Debra takes great pride in protecting families and businesses from the health related and financial hardships that come about from having inadequate health insurance coverage.


Debra Sephton

(386) 383-3101

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Rachel Velez

Rachel is a licensed Life & Health Insurance agent in Florida. She decided to  become an agent desiring to make a difference in the lives of her clients. She was  born in NYC and raised in South Jersey. She is the oldest of 5 siblings and proud  “Nana” to an only granddaughter. She has resided in Palm Coast, FL since 2015  and enjoys serving at her church and other non-profit organizations. 

She is committed to building trust, friendship and loyalty with her clients and that  makes her happy. Rachel holds an accounting degree and has been serving her  clients with bookkeeping and tax services for over 15 yrs.  

She speaks Spanish fluently, enjoys long car rides and looks forward to cruising  again soon.

Rachel Velez

(386) 588-7218

 FL ins lic  #W762435


Desiree' Schneyer

Lic. NY #LA-1732460
FL Lic# G045302

Desiree' is a Licensed Health Insurance Agent in New York State.  She was born and raised in upstate New York, and has spent the last 17 years enjoying the shores of Long Island. Desiree is a wife and mother of two, who deeply understands and values the importance of family and protecting the future. 


Desiree's main passion has always been helping others. From dedicating over 15 years as a daycare provider that families could trust, to becoming a fitness coach and motivating adults of all ages to live and maintain a healthy lifestyle. Desiree is full of positive energy, knowledgeable, and motivated to help you find and understand the ideal plan to fit your healthcare needs.

Desiree Schneyer

(607) 435-5222


Ryan Anderson, a licensed health insurance agent, brings a unique blend of experience to his role. Hailing from Ormond Beach, Florida, Ryan has deep roots in the community. Prior to his career in insurance, he served as a firefighter EMT in the Flagler County area, demonstrating his commitment to public service and healthcare.

Ryan's professional journey also includes a stint as a business development executive for a global company specializing in healthcare products. This diverse background equips him with both medical knowledge and business acumen, enabling him to effectively educate others on the significance of proper health insurance planning.


Driven by a genuine passion for his community, Ryan is eager to assist both current and prospective residents in navigating their healthcare options. His dedication to serving others underscores his commitment to ensuring individuals have access to quality healthcare coverage tailored to their needs.

Ryan Anderson

(386) 547-5317

Ryan Anderson

FL Lic# W657704

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