SIREFMAN CAPITAL INC. Voluntary Benefits Westchester County, NY

580 White Plains Rd, 6th Fl Tarrytown, NY 10591, USA


914 393 1439

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Sirefman Capital specializes in the voluntary/supplemental insurance marketplace.

Supplemental insurance is not major medical, instead we pay cash benefits directly to the insured, helping to cover daily and out of pocket expenses when an unexpected medical event occurs.

Although some Aflac products are available to individuals, We work primarily with business owners large and small who can now offer benefits to their employees without incurring any cost themselves.


  • Short term disability
  • Hospital protection
  • Cancer care
  • Accident protection
  • Dental
  • Vision


Aflac Consultant, Joanie Sirefman has been hosting presentations for the past several years at the company I work for.  She explains the benefits of all the policies that Aflac has to offer in a very professional and knowledgeable way.  In February 2017 she introduced a new Cancer policy that Aflac was offering.  At the time, my husband and I were in our 50’s and cancer was not something I had even thought about, but as I sat listening to Joanie’s presentation, I thought to myself that one never knows what can happen in this life at any given moment and I purchased the policy for my husband and myself.  To the shock of us both, in July 2017 my husband was diagnosed with Stage 4 lung cancer that had metastasized to his spine.  It is now two years later and my husband is still receiving chemo treatments every three weeks.  I honestly do not know where we would be today if we did not have this policy as receiving payments from Aflac for his treatments, his scans and his hospital stays is what has kept our roof above our heads.  Needless to say, I am thankful every day for Joanie’s special words spoken that inspired me to purchase this policy.

-Mary S.

A few years ago my husband decided to take out a Cancer Policy with Aflac.  Of course, at the time we did not think we would need this but since Aflac would pay us $75 per person per year for a cancer screening, we felt that the policy was worth taking.  As we all know there are no guarantees in life and in 2014 I was diagnosed with cancer.  I have to say there aren’t many companies these days that do what they claim but Aflac has done just that.  They have paid my claims promptly and I have never had any issues with them.  Our representative Joanie has been more than helpful.  She was always available to answer any of my questions and many times filing a claim was as easy as emailing her the medical bill.  I am certainly glad we have this coverage a it has been extremely helpful with my medical expenses.

-Elaine R.

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Posted in Accident - Individual

One Review

  1. June R
    June R

    Joanie is the most adept, informed, professional, kind, and thoughtful person i have met. After just one meeting with her you realize that her concern is genuine and that this isn’t just a job for her. Its as if this is a way to reach as many people as possible and help them. And that is just what she has done for me and my family on numerous occasions. She is available at all times, so incredibly responsive to emails and questions, and is always willing to help even when its not her responsibility to do so. Its like having that one person to turn to in your most dire time of need and they actually HELP! Imagine that! As insurance companies make it increasingly more difficult to sustain an affordable policy, Aflac offers useful and necessary products that can truly benefit an individual or family– and Joanie is able to explain and dissect the benefits of those products so that each of her clients gets the maximum benefit. There is no one better.

    October 15, 2019 at 10:49 am Reply

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