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Carol Hemberger

Financial Professional
Insurance Sales Representative - Bankers Life and Casualty Company
Direct Phone:
(386) 457-7027(386) 457-7027
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Carol HembergerInsurance Sales Representative, Orange City, FL

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Meet Carol Hemberger
Personal Business Philosophy
I'm dedicated to helping my clients protect their financial security as they prepare for retirement. I hold myself to the highest level of personal and professional integrity and promise only to recommend insurance product solutions that are in my client's best interests.
licensed in
FL, MI, NJ, PA, TX
FL License: W350497
professional background
Joined Bankers Life in 2017Education: BS Biology, Albright College, Reading, PA
personal background
Family: Husband, Gordon, married for 30 years. Our Jack Russell Terrier, RubyLu lives with usCommunity Involvement: Member of PEO and Eastern Star

Carol Hemberger, Bankers Life Agent in Orange City, FL

Open Now - Closes at 5:00 PM
Contact Me
Office Phone:
(386) 457-7070(386) 457-7070
Direct Phone:
(386) 457-7027(386) 457-7027
carol.hemberger@bankerslife.com
Branch Info
2751 Enterprise Rd
Ste 201
Orange City, FL 32763
US
Hours
Day of the WeekHours
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
SaturdayClosed
SundayClosed

Products & Services Offered in Orange City, FL

  • Life Insurance

    Find out how life insurance can help protect the financial security of you and your family.
    Explore
  • Medicare Supplement Insurance

    Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.
    Explore
  • Long-term Care Insurance

    Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.
    Explore
  • Annuities

    Learn how an annuity can help protect and grow your retirement savings.
    Explore

Financial Calculators & Tools

Our calculators are here to help support your retirement and insurance planning needs so you can make confident and informed decisions.
Retirement Calculators
Insurance Calculators
  • How Long Will My Retirement Savings Last?

    Determine how long your retirement savings may last considering your monthly spending, sources of income, inflation and more.
  • Estimate Social Security Benefits

    Estimate your future Social Security benefits based on your income history and expected retirement age.
  • Traditional 401(k) or Roth 401(k)?

    How do traditional 401(k) and Roth 401(k) contributions differ, and which option best suits your financial needs?
  • Retirement Income Estimator

    Input your current savings and income sources to estimate your future retirement income and assess if you’re on track to meet your goals.
For information and educational purposes only. Does not constitute investment advice or a recommendation.

Forget Me Not Days

At Bankers Life, our insurance agents and associates witness firsthand the impact that Alzheimer’s and dementia have on our customers, their families and their caregivers. That’s why we established Bankers Life Forget Me Not Days®, our nationwide fundraising campaign to benefit the Alzheimer’s Association®. This June marks the 23rd anniversary of the campaign. Since 2003, we’ve helped raise more than $7.8 million for the Alzheimer’s Association through the Forget Me Not Days campaign and corporate donations.

Explore Medicare Advantage

You have many choices when it comes to Medicare – Let us help you compare Medicare Advantage plans to find the right coverage for you. Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare Parts A and B.


Let's Talk About Your Plans for Long-Term Care!

As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?

Reviews

Reviews for Carol Hemberger

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(4 Reviews)
  • 5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Efficient and service oriented
Displaying reviews 1 - 1 out of the 4 most recent

Customer Reviews for Orange City, FL

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(42 Reviews)
  • Charles B
    June 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    He was very knowledgeable and answered all my questions with no pressure and made sure I picked the right plan for me
    He was very knowledgeable and answered all my questions with no pressure and made sure I picked the right plan for me
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  • Laura B
    June 7, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Stephen Tornay is very personable and knowledgeable and went above and beyond to a make sure I was comfortable with what we were doing and I appreciate that. Thanks Stephen! I will definitely recommend you!
    Stephen Tornay is very personable and knowledgeable and went above and beyond to a make sure I was comfortable with what we were doing and I appreciate that. Thanks Stephen! I will definitely recommend you!
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  • Barry E
    May 27, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Stephen is a great agent. He always thinks of me when ever new stuff comes along.
    Stephen is a great agent. He always thinks of me when ever new stuff comes along.
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  • Mary M
    April 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I met with both Michael Rockhold and Brock Keffer, focused on Medicare. Both were clear in their communication, provided good context, explained thoroughly and were very accommodating to my schedule requirements. Because of their professionalism and service I am considering additional business with Bankers Life.
    I met with both Michael Rockhold and Brock Keffer, focused on Medicare. Both were clear in their communication, provided good context, explained thoroughly and were very accommodating to my schedule requirements. Because of their professionalism and service I am considering additional business with Bankers Life.
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  • Shari D
    April 9, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Highly recommend. Stephen is very knowledgeable and friendly. Thank you Stephen for making the process so much easier than expected. 👍
    Highly recommend. Stephen is very knowledgeable and friendly. Thank you Stephen for making the process so much easier than expected. 👍
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  • Sheila W
    March 29, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Excellent customer service.
    Excellent customer service.
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  • Melodee C
    February 20, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Agents were on time for appointment and very helpful and clear about insurance.
    Agents were on time for appointment and very helpful and clear about insurance.
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  • Lisa H
    February 20, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Beth is professional and knowledgeable. She was such a great help navigating us through this. She is friendly and we feel comfortable with her.
    Beth is professional and knowledgeable. She was such a great help navigating us through this. She is friendly and we feel comfortable with her.
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  • Courtney L
    February 4, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I could not say enough good things about Ben. I was totally lost and needed help setting my Dad up with Medicare and a supplement. Ben went above and beyond to help me and my Dad decided what was his best option and gave us plenty of information and answered all of our questions. He made the entire process so incredibly easy!! Would highly recommend him!!
    I could not say enough good things about Ben. I was totally lost and needed help setting my Dad up with Medicare and a supplement. Ben went above and beyond to help me and my Dad decided what was his best option and gave us plenty of information and answered all of our questions. He made the entire process so incredibly easy!! Would highly recommend him!!
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  • Angela R
    January 30, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Brock & Victoria made it very comfortable I. Selecting the right plan for my needs.
    Brock & Victoria made it very comfortable I. Selecting the right plan for my needs.
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  • Beverlee C
    January 10, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I give my experience an easy 5 stars!
    I thought Ben to be very professional, easy to talk to and very thorough!
    Excellent customer service! would definitely recommend him to others.
    I give my experience an easy 5 stars!
    I thought Ben to be very professional, easy to talk to and very thorough!
    Excellent customer service! would definitely recommend him to others.
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  • Kay S
    January 9, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Ben has been managing my finances for the past 15 years. He’s taken the small amount I gave him to work with and has increased it greatly in value. He is honest, intelligent, kind and I consider him my friend. When my husband passed away, he went above and beyond and helped me deal with Social Security and his life insurance.
    Ben has been managing my finances for the past 15 years. He’s taken the small amount I gave him to work with and has increased it greatly in value. He is honest, intelligent, kind and I consider him my friend. When my husband passed away, he went above and beyond and helped me deal with Social Security and his life insurance.
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  • Reinalda W
    January 8, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Trustworthy, dependable and cordial. Have been dealing with Stephen (Mr. Tornay) for several years; and have never been disappointed. If you are seeking a Insurance Agent to speak in bottomline, straight forward term, Mr. Tornay is it.
    Trustworthy, dependable and cordial. Have been dealing with Stephen (Mr. Tornay) for several years; and have never been disappointed. If you are seeking a Insurance Agent to speak in bottomline, straight forward term, Mr. Tornay is it.
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  • James C
    December 9, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Steve is a great agent. He takes the time to thoroughly explain all the different details in various plans. He makes sure that you understand all the different aspects. I can’t thank him enough for his patience and professionalism.
    Steve is a great agent. He takes the time to thoroughly explain all the different details in various plans. He makes sure that you understand all the different aspects. I can’t thank him enough for his patience and professionalism.
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  • Timothy A
    November 26, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    very professional
    very professional
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  • Summer F
    November 21, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I had the pleasure of working with Brock and his wife, Beth, from Bankers Life Insurance. They came by my house to walk me through various life insurance policies and plans. Since they have kids around my age, they were very knowledgeable about the options that would best suit me. They ended up setting me up with a plan that their own kids use, and I feel very confident in my decision. Their professionalism and personal touch made the entire process smooth and reassuring. Highly recommend them!
    I had the pleasure of working with Brock and his wife, Beth, from Bankers Life Insurance. They came by my house to walk me through various life insurance policies and plans. Since they have kids around my age, they were very knowledgeable about the options that would best suit me. They ended up setting me up with a plan that their own kids use, and I feel very confident in my decision. Their professionalism and personal touch made the entire process smooth and reassuring. Highly recommend them!
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  • Dianne Z
    November 12, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great visit and excellent discussion- very helpful
    Great visit and excellent discussion- very helpful
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  • Susan C
    November 5, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I have entrusted Benjamin with my life insurance. We will soon be trusting him to invest our money in a way that is profitable to us. I would highly recommend doing business with Benjamin
    I have entrusted Benjamin with my life insurance. We will soon be trusting him to invest our money in a way that is profitable to us. I would highly recommend doing business with Benjamin
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  • Nick S
    October 30, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Excellent customer service - very responsive to calls for assistance and inquiry.
    Excellent customer service - very responsive to calls for assistance and inquiry.
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  • Bruce W
    October 22, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Efficient and service oriented
    Efficient and service oriented
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Displaying reviews 1 - 4 out of the 20 most recent

FAQs

Our Brands and Partners

Our agents provide an expansive suite of insurance options, including core products offered by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company and Washington National Insurance Company.

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Insights From Carol
Featured Videos
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Featured Videos
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
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Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insu...
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Seniors discussing Medicare enrollment options with advisor.
When to Sign Up for Medicare If You’re Still Working at 65
"Turning 65 is a significant milestone, not just for making another trip around the sun but also for unlocking Medicare eligibility. As the federal health program for more than 68.5 million Americans, Medicare is a vital component of retirement planning.",You must pay a premium: Compare the costs and benefits of your employer plan versus Medicare to determine which makes the most sense for you.,"You contribute to a Health Savings Account (HSA): Once enrolled in any part of Medicare, you can no longer contribute to an HSA.","If your employer has 20 or more employees, you can delay Part B without a penalty and use your employer’s coverage as your primary. Most people enroll in premium-free Part A but skip Part B to circumvent paying the premium.","If your employer has fewer than 20 employees, consider signing up for Medicare Parts A and B, making your employer’s coverage secondary. Failure to enroll on time may result in gaps in coverage and penalties.",Medicare Part D (Prescription) can be delayed without penalty if your employer provides creditable coverage.,"Medicare Part C (Medicare Advantage) is an all-in-one alternative to original Medicare. Part C offers the benefits of Parts A and B, along with additional services, including prescription, dental, vision, and hearing care. Using Part C with an employer’s plan can lead to overlaps or conflicts of coverage.","Medicare Supplement, also known as Medigap, helps cover deductibles, coinsurance, and other out-of-pocket expenses. However, Medigap only works with Medicare Parts A and B, not your employer’s coverage. In other words, you can’t use Medigap if Medicare isn’t your primary insurance. Learn more about Medicare Supplement Insurance.","The Qualified Medicare Beneficiary program helps cover Part A and Part B premiums, deductibles, coinsurance, and copayments.",The Specified Low-Income Medicare Beneficiary program helps pay for Part B premiums. You must have Part A and Part B to qualify for this program.,Qualifying Individual programs help pay for Part B premiums.,The Qualified Disabled and Working Individual program helps pay for Part A premiums only for specific individuals with disabilities.,"The Extra Help (Low-Income Subsidy) program helps reduce Part D premiums, deductibles, and copays and may eliminate late-enrollment penalties.",Part B Penalty: A 10% increase for every 12 months you delay.,Part D Penalty: A 1% increase for each month you go without creditable drug coverage.,Online at ssa.gov/medicare.,By phone at 1-800-772-1213.,In person at your local Social Security office.,Initial Enrollment Period: Three months before and after your 65th birthday month.,Special Enrollment Period: If you’re coming off employer coverage.,General Enrollment Period: January 1–March 31 each year. Coverage starts July 1. Late penalties may apply if you delay enrollment without creditable coverage.
7 Smart Tips for Successfully Traveling Solo in 2025
Traveling solo is no longer a niche trend—it’s a growing movement. Whether you’re single, seeking solitude, or simply craving the freedom to explore on your own terms, solo travel offers flexibility and opportunities for personal growth. But if you’re new to it, it can feel intimidating. These seven tips will help you travel smarter, safer, and more confidently in 2025.
Aging man looks thoughtful as he ponders his financial circumstances.
Finding Balance: How Financial Therapy Can Transform Your Money Mindset
Managing money can be a significant source of stress in life. For some, a simple tweak in their budget can bring clarity and stability. For others, financial challenges may stem from more complex issues, such as changes in financial circumstances, unhealthy spending habits, or emotional barriers. These difficulties can also impact relationships with partners and hinder progress toward achieving financial wellness. Moreover, our cultural background, religious beliefs, and gender identity often shape how we perceive and interact with money.
A senior couple pointing to a mountain.
Exploring Retirement Income Strategies in Any Economic Climate
Planning your income in retirement isn’t always straightforward, especially when the market feels unpredictable. But no matter the economic environment, having a thoughtful approach can help you feel more prepared.
A woman hugs her friend who has Alzheimer's disease.
Caring Through Connection: Helping a Friend with Alzheimer’s
Alzheimer’s disease affects nearly 7 million people in the U.S., and by 2050, it’s expected that number will rise to 13 million. If your friend is among them, it can be incredibly challenging to maintain your bond as the disease progresses. Watching someone you care about struggle with memory loss and cognitive decline is difficult, but there are ways to stay connected and provide meaningful support.
A mother and daughter baking in kitchen.
Should You Reevaluate Your 2025 Investment Strategy?
It’s common for investors, especially those in or near retirement, to pause and consider whether their financial approach still aligns with their goals. If the market feels shaky, then it becomes even more important to do so. Reviewing your 2025 investment strategy doesn’t always mean making major changes, but it may help you feel more informed and confident about your situation and next steps.
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