top of page

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

Deb S.jpeg

Debra Sephton

Lic. FL #W038625

Lic. NC #8817903

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.

Debra Sephton


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

Rachel V.jpeg

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.


 FL ins lic  #W762435


Desiree' Schneyer

Lic. NY #LA-1732460

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.



bottom of page