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.

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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


Debra Sephton is a Licensed Life and Health Insurance Broker in the state of Florida and North Carolina. She is the owner of Atlantic Benefit Consultants, LLC.


Originally from Upstate New York, Debra is a former Nurse, Business Banker and Mayor, she has over 17 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, Long Term Care Insurance, and Life Insurance. Debra takes great pride in protecting families and businesses from the financial hardships that come about from having inadequate insurance.

Rebecca is a licensed Life & Health insurance agent in Florida.  She has 20+ years of client service experience in the state of Florida. She is caring, sincere, honest, and always strives to give her clients the right coverage for their needs.  She is passionate about assisting her clients with savings on their premiums and finding them better benefits and establishing peace of mind while making essential decisions in their lives.    

As a Pennsylvania native, she enjoys living here in Florida and enjoys the sun and quick rain showers.  Her greatest joy is spending time with her three kids. 

In her free time, she enjoys swimming in the ocean or dining along the beach while appreciating the serenity.  

Rebecca Klinkenberg

Lic. FL #W526338

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Keith Dalton

Keith Dalton, Licensed Agent Preferred Florida Blue & Florida Health Care Plans Partner. Keith is our Preferred Partner for Florida Blue and Florida Health Care Plans, as a 3-year captive agent with Murray Insurance, he is a recognized top agent within the agency and industry. We are extremely confident and proud to refer clients to Keith for all Florida Blue and Florida Health Care Plans. 

After 29 years in public service, Keith enjoys serving the residents throughout the state of Florida. He continues to serve others by educating the values of Health, Medicare and Life insurance coverage. He prides himself on confidently consulting with his Medicare age clients, on the importance and value of Medicare Advantage and Medicare Supplement plans. A professional with the upmost integrity, Keith available to meet new and existing clients in the office or in the home. When Keith is not helping his clients, he is sailing his catamaran near Daytona Beach. He is a native of St. Louis Missouri and relocated to Florida in 1983. 


Keith Dalton may be reached at 386-316-9935 or by email at kdalton@murrayins.net.

Debra Sephton

Lic. FL #W038625

Lic. NC #8817903