This document provides information about Evan and Michelle Tunis and their insurance agency, E&M Global Insurance. It discusses their backgrounds and experience in the insurance field. The agency focuses on providing small business group plans, individual domestic plans, and international health insurance plans. International plans offer comprehensive worldwide coverage and are often cheaper than Affordable Care Act plans. The document outlines pros and cons of different plan types and recommends always working with an agency that represents all carriers so clients can find the best plan to meet their needs.

1. HUMANIZING THE TRANSACTION OF INSURANCE
EVAN & MICHELLE TUNIS

2. What Most Think When the Word
“Insurance” is Muttered…

3. WHO WE ARE
EVAN
• Born and raised in Miami, FL
•Received a Bachelor of Science in Public Relations
from the University of Florida in 2002
• Been involved in the insurance field for 15 years.
Fun Fact- Evan was born in Miami yet knows no
Spanish or Portuguese
MICHELLE
•Born in Boston, MA/ grew up in Coral Springs, FL
•Received a Bachelor of Health Science and a
Masters Degree in Oriental Medicine
•Licensed Acupuncture Physician
• Co-Founder of E&M Global Insurance
Fun Fact- Michelle and Evan have been together
for 14 years(and have yet to kill each other)

4. Evan’s Early Years
 Senior Agent with Healthmarkets/UGA from
2002-2008
• Three time winner of Presidents Council
Award for top 100 health insurance agents
• Featured on the cover of UGA Legends
magazine January 2008
• Became an independent agent one month
later-February 2008

5. Our Core Beliefs
• Represent the Best Carriers
• Simplicity
• Availability
• Adaptability

6. Main components we are going to
speak about this evening:
• Small Business Group
• Individual/Domestic Medical
• International Health Insurance

7. Small Business Group
For Groups of 4 or More
Benefits
1. Tax Advantages- A Small Business may qualify to claim a tax credit for 50% of
the premiums paid for employees(not a deduction).
2. Network Superiority- Unless you have Blue Options, the network will always
be superior for a group policy.
3. Pricing- For the first time in 15 years, a group policy is cheaper than an
individual policy with has inferior benefits.

8. Individual/Domestic
Health Insurance
• Founded in 2006 under the website Florida Healthcare Insurance
• Currently services the state of Florida and beyond.
• #1 rated Agency in the Coral Springs/Parkland area.

9. Pros & Cons of
Individual Policies
PROS
• All Policies are Guaranteed Issue/ No
Pre-Existing Conditions.
• Carriers must comply with Federal Regulations
including 10 Essential Health Benefits.
•Income under 400% of the poverty line
provides substantial subsidies to offset the
costs.
CONS
•Limited Enrollment Window for only 45 Days.
•Skinny Networks
•Confusion
•Healthcare.Gov
•COST!
Average Rate for a 45 Year Old Male in Fort
Lauderdale is $546 a month for a Silver Plan.

10. GOOD POLICIES
• Florida Blue (Blue Options)
•AvMed
•United Healthcare(Short-Term
Medical)
BAD POLICIES
•Health Sharing Ministries
•Indemnity Policies

12. With So Many Cons for Individual Health Insurance we began
searching for alternatives to offer our clients. We found a
solution in International Insurance.

13. The Birth of E&M Global
Insurance
E&M Global Insurance Takes Our Core Beliefs and focuses it on International Clients/Expats
 What is International Insurance and Who Qualifies?
International Health Insurance offers comprehensive worldwide coverage for individuals
and families living abroad whether it be a few months or a few years.
 Who is eligible for an individual policy?
Any individual who was born outside the United States or any U.S. Citizen who travels abroad is
eligible for an international policy.

14. Among People
Who Qualify
 U.S. CITIZENS BORN OUTSIDE THE
COUNTRY
 PERMANENT RESIDENTS
 ANY VISA( EB-5,E-2, K-1, J-1 ETC.)
 INDIVIDUALS ONLY NEEDING COVERAGE
IN THE USA OR ABROAD FOR 1-12
MONTHS

15. Pros & Cons of
International Policies
PROS
• All Plan are Customized around your
needs and budget
• Year Round Eligibility
•All Plans are Permanent
•Coverage is Nationwide/Worldwide
•Prices Average 30-40% less than ACA
plans.
CONS
• Plans are Subject to Medical
History/Underwriting
• Not Compliant with ACA(ending in 2019)

16. E&M Global Insurance also offers:
Long Term Care
Homeowners/Renters
Disability

17. Three Simple Rules for Buying an
Insurance Policy
1. Make Sure Your Agent/Agency Works with All carriers.
2. Make Sure the company/carrier you choose is widely accepted.
3. There is no such thing as a dumb question! (Plans are written to be confusing so make sure
you understand exactly what you are purchasing.)

18. As a thank you to some of our clients & partners, we will be
a new page on our website acknowledging their business.
Since our website gets seen globally, this is our way of saying
you to you!!