Meet our Agents and Staff


Gerard S. Denys



Gerard S. Denys, LUTCF, CIR


Gerard has been in the insurance industry for over 20 years and is uniquely qualified to show clients how to purchase insurance coverage the right way. Most people purchase based on the wrong assumptions and end up paying much more than they should. Using Florida Blue and Florida Health Care Plans plus other products we build a comprehensive plan that will provide the needed protection at an affordable cost. We instill these qualities into our agents so they can serve their clients with excellence.

Matthew Reynolds
Training Manager and Statewide Agent


As a husband and father of five, Matthew understands the importance of balance between needed benefits and affordability. He specializes in educating his clients to help steer them in the right direction. His focus is on client satisfaction and takes pride in being there after the sale to help navigate clients throughout every stage of their family’s needs. In the Health and Life insurance industry for 10 years, Matthew serves as the agency trainer while remaining in direct communication with clients, new and old.

Lorrie Blandy
Office Manager / Licensed Agent
800-946-3303 / 386-427-4510


Having worked in the customer service arena for many years, I am excited to have the opportunity to educate our clients and help them choose affordable healthcare options that will meet their current needs. As a consumer, it can be confusing and difficult to navigate the Affordable Care Act waters. As your agent, I am committed to providing the most current information and guidance to you and your family.

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Nikki Copp
Customer Service


Nikki has a heart to serve others and strives for excellence in every area of her life. When she’s not working, you can find her leading worship at local coffee shops, making Youtube videos or spending time with her family.

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Melanie Registrato
Receptionist and Client Services
receptionist e-Mail


Rafael Sawin
Agent Manager – Mentor Agent –  Orlando and Orange City Areas


Rafael’s passion is for helping people, with a complete focus on the client’s exposure, goals, and needs. He has a big picture approach, in that the primary purpose is relationship, client satisfaction, and agency service. Rafael’s philosophy is together we build a comprehensive plan to achieve your future financial goals, and insure all of your assets along the way. A natural leader, Rafael’s expertise is proven through top production and client retention in our Region with Florida Blue and its Subsidiary Companies, Florida Health Care Plans, Florida Combined Life, and Usable Life. We are excited to have him helping to lead our team!

Brett Harper
Agent – Mentor Agent – New Smyrna Beach Area
Defined Contribution Employee Benefits
When it comes to your family’s health and financial security, having a professional in your corner is crucial. Keeping up with new laws and regulations as well as products that are ever changing is a full time job. As your agent, I take that responsibility very seriously. As your family grows and needs change, I will be there to advise and assist in every way possible. Feel free to call me  any time for a free, no pressure consultation.


Kim Lawler
Agent – New Smyrna Beach Area


Kris Hardy
Group and Individual Products – New Smyrna Beach Area


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Sheena Joyce
Agent – New Smyrna Beach Area


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Daniel Lyonnais
Agent – Daytona Beach Area


Dan has been a licensed agent since 2007. He is well educated in the insurance business specializing in Health, Life & Annuities. Locating the right products and customer service are his is top priorities.

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Lorraine Hayes
Agent – Mentor Agent – Palm Coast Area


Lorraine has been with Berlin & Denys Insurance for about 10 years. She always puts her clients first and makes sure that their needs are met. Lorraine takes the time to keep current with the industry to be sure you are getting the best protection at a cost that is affordable. You can feel comfortable trusting her with your health and life insurance needs

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Marc Burnett
Agent – Palm Coast Area


Marc entered the insurance business to help families achieve greater financial security by making insurance simple, affordable and accessible. His goal is to focus his efforts everyday on under served markets. Marc understands all aspects of insurance and has the experience to provide solutions that are both forward-looking and practical.

Nancy Smith
Group and Individual Products – Palm Coast Area


I started my insurance career 13 years ago with Berlin & Denys Insurance, Florida Blue & Florida Health Care Plans. I believe in not only helping my clients navigate through their insurance options but also that educating them is paramount in helping them make the right decisions for their particular needs. I am very protective of my clients and take pride in being available at all times for any questions or concerns. I enjoy my work and find it very satisfying! I look forward to working for you.

Tina Wellman
Agent – Leesburg Area


Tina is experienced in all lines of insurance and has specialized in health insurance since 2008. Her clients find her knowledgeable and responsive to their needs.

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John Martinausky
Agent – Orlando Area


John has been a licensed insurance agent for over 20 years — specializing in providing the best health insurance and Medicare plans to individuals and families in the Orlando area using Florida Blue products. John also consults with clients to provide the most cost effective and suitable life insurance to meet their financial protection needs.

John Tracy
Agent – Mentor Agent – New Smyrna Beach Area


John has been working in the financial industry for the past 9 years.  He is the father of two children and married to a wonderful women. He prides himself on earning clients for life and understands that life happens and things can change. John will help you through those times. Since dedicating his time in the insurance business he has specialized in Medicare and can help you navigate throught the process for years to come as life changes.



Billy Joyce
Agent – New Smyrna Beach




Candy Grindle
Agent – New Smyrna Beach


Danielle Giamo
Agent – New Smyrna Beach


Mercedes Perez
Agent – Orlando


Wayne Cawley
Agent – Daytona Beach Area


Sam Suskin
Agent – Orlando Area


Sam is well versed in Medicare and the Affordable Care Act. When he isn’t out helping people find the right policy for their needs, he is coaching boys high school basketball. Finding the right policy for your needs is what Sam prides himself on. Protecting you and your loved ones is his number one priority.

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John Whelan
Agent – The Villages


John is the B&D agent in The Villages…Florida’s Friendliest Hometown!
A native of Minnesota, John has over 35 years experience in the health insurance business and holds advanced insurance education degrees as well as a law degree. John looks forward to working with Medicare and non Medicare clients who will benefit from his experience and expertise.

Varsha Narotam
Agent – Orlando Area


Varsha is an experienced Licensed Insurance Agent who has been working in the insurance industry since 2009. She specializes in health and life insurance and always strives to meet her clients’ unique needs by researching all their available options. Varsha prides herself on her dedication and commitment in helping her valued clients, who trust her in helping them find the best policy that not only fits their needs, but also their budget. Contact Varsha today for a free and comprehensive consultation.

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Frank Angrisani
Agent – Palm Coast Area


Frank was a local business owner for over 20 years and understands the needs of business owners and their families. He takes pride in assuring his clients get the right coverage and he provides customer service throughout the year. He also specializes in family protection and planning for their future with tax advantaged retirement plans.

Berry Brook
Agent – Palm Coast Area