Are you looking for a change and considering becoming an expat? If the answer is yes, you should consider the Isle of Man. The Isle of Man has an ever growing number of expatriates. More and more people seem to be moving to the island to take advantage of the great benefits it provides its residents. This has caused the island to become somewhat of a melting pot of nationalities and cultures. Islanders are known as 'Manx' but classified (for passport purposes, for instance) as British. With roughly half the population being Manx-born, and the rest coming from the UK, Ireland, and an increasing mix of other nationalities, now is the time to make yourself part of the mix!

The Isle of Man economy has experienced steady growth since the 1970’s due to a combination of low taxation, political and fiscal stability, investment in infrastructure and government initiatives to stimulate economic activity. The island has had one of the fastest growing economies in Europe in recent years and is in its 26th year of continuous growth. This growing and sustainable economy has resulted in a low unemployment rate and a high quality of life. Are you ready to move yet?

Interesting Facts

The Isle of Man is part of the British Isles but not the United Kingdom. It is a Crown dependency, with its own parliament, Tynwald. Established by the Vikings, Tynwald is the oldest continuous parliament in Europe, having celebrated its millennium in 1979. The Island is 33 miles long, 13 miles wide and covers an area of 227 square miles. It has a population of more than 80,000.

What makes it Attractive?

Financially the Isle of Man is very attractive. There is no capital gains tax, no inheritance tax and no stamp duty. In the 2016 Budget the single persons tax free allowance was £10,500, the next £8,500 of income is taxed at 10% with the balance charged at 20% up to the cap. These amounts double for married couples and are fully transferable between husband and wife. Personal income tax is capped at £125,000 per individual. Residents enjoy many benefits including good housing, education and health services, accessible activities, room to move, and a relatively safe community.

Financial Services

To many people, the Isle of Man is known for its financial services partly because its government and tax laws make it an attractive destination for financial companies. In addition to low tax rates for individuals, there is a 0-10% corporate tax, with the banking sector paying 10% while the rest pay 0%.

Niche Businesses

Despite being best known for financial services, the Isle of Man has arguably the most diversified economic base in the world for areas of similar size and is developing a global reputation for a diverse array of niche, quality sectors including:

· High-tech manufacturing

· E-Business

· E-Gaming

· Ship and superyacht management

· Aircraft registration

· Film production

· Space commerce

· Entrepreneur/trading gateway

· Quality food producers and manufacturers

The island's e-gaming sector is now its largest employer, followed by insurance and financial services, although traditional sectors such as the manufacturing industry and agriculture still play a significant role. With a growing market of niche businesses, the Isle of Man is a great place to start a business or open an office.

Before relocating to another country, trying to find expatriate health insurance coverage on your own can be a daunting task. Not to mention the checklist you must complete before leaving. For help developing a checklist, read our previous blog, “Expat Checklist before the Big Move.”

Many of us at MHG are expats ourselves and we understand the global insurance needs of international businesses, and individuals and families living and working around the world. Our Insurance Specialists have the experience, knowledge, and access to multiple international insurance carriers to find you the most suitable plan based on your budget and future plans. Our commitment to your well-being does not end once you have purchased a plan; through our “Concierge Broker Service”, we will continue to assist you with questions about your policy and provide assistance throughout the claims process. Call us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding expatriate insurance coverage for you, your family or business!

Employer based benefits can be hard to come by in today’s world. What used to be a given, has now turned into something should be cherished as so many companies have cut back on the benefits they provide to their employees. Benefits such as health insurance, 401k, disability insurance, and life insurance are things that employees must consider if not already provided by their employer. Even if these benefits are provided, there is a good chance that the coverage provided isn’t enough, especially life insurance.

While having employer sponsored life insurance is a great benefit, it may not be the best idea to fully rely on your employer to provide all of the life insurance coverage you need. There are several different scenarios that can put you and even your family in a tough position, or even leave gaps in your coverage.

Losing Your Job

Losing your job is one of the main reasons you should consider purchasing more life insurance coverage. One reason is because your life doesn’t stop if your job does, which means that your life shouldn’t stop being covered. Losing your job doesn’t take away your debts, and doesn’t provide your loved ones with financial coverage if something unexpected were to happen to you.

Employer Stops Benefits

The past several years have been tough on businesses. Decisions have had to be made about lay-offs, downsizing, and budget cuts. One area of the budget that may have been cut is employee benefits. Companies are required to provide its employees with a certain amount of benefits, depending on the size of the company. However in an effort to maximize profits, more and more companies are cutting back the amount of benefits they provide to their employees to the minimum required by law. In the event that your company decides to reduce your benefits, you may be left needing coverage!

Not Enough Coverage

Typically, if you are lucky enough to have a job that includes life insurance as one of the benefits, there is a good chance that the coverage it provides is not enough. Most cases, the company will provide a policy that worth double the employee’s salary. So if you earn a salary of $50,000, your life insurance policy would be $100,000. For some that would be enough coverage, depending on how many children the person has, or how much debt the person is in. Would a life insurance policy that was double your salary be enough to cover your mortgage, provide stability for your loved ones, and pay for a funeral?

No International Coverage

Do you like to travel? Who doesn’t day dream of seeing a different part of the world from time to time? It’s important for you to know that most life insurance policies to do not provide coverage internationally. So when seeking additional coverage, you may want to consider a policy that includes international coverage.

Are you interested in purchasing life insurance? Would you like some more information regarding options that are available to you? Would you like to ask some questions to an insurance expert? If the answer to any of these questions is yes, please contact us 954-828-1819 or visit us online at mhginsurance.com and talk to one of our insurance specialists for help in ensuring you and your loved ones have the protection you need at every stage of life. There are many things to take into consideration when making the decision of which type of policy is best for you, your family, or loved ones.

Having employer based benefits is important. Not all companies have them in today’s world, so if you are someone who’s fortunate enough to receive benefits offered by your employer, count your blessings. However, even if you receive benefits, you may not have sufficient coverage. There are several different scenarios where you can find yourself needing additional coverage.

While employer based benefits are important, it may not be the best idea to fully rely on your employer to provide all of the benefits and coverage you need. What if you were to lose your job? Or maybe your company is having to make some budget cuts, and happen to cut the amount of benefits you receive. One of those benefits is disability insurance. For those that don’t know, disability insurance is a great way for your employer to give you and your family the coverage you need in the event you develop an illness or sustain an injury and are unable to work.

Coverage Options

Different coverage options for disability insurance can range from the length of coverage, to the amount of coverage you may need. A short term plan will usually provide coverage for up to two years, while a long term plan should provide coverage from anywhere after two years until retirement age, depending on the plan.

Can’t Work Due to Injury

There are several reasons you should consider disability insurance coverage. One of the main scenarios that would call for an individual disability plan is in the event your employer doesn’t offer a plan. What if you were doing some gardening one weekend and hurt your back? If the injury keeps you from being able to do your job, your company may not be willing to pay your salary while you recover, leaving you without a wage. Having an individual disability plan would provide you with a way to receive a wage in order to pay your bills and support your family.

Employer Stops Benefits

It’s no secret that the past several years have been tough on businesses. The recession forced companies to make some tough decisions. Many people lost their jobs, and many that were fortunate to keep their jobs may have lost some of their benefits due to budget cuts. In the event that your company decides to reduce your benefits, you may be left needing coverage!

Not Enough Coverage

It’s important to know whether your employer offers a short-term or long-term disability insurance plan. If your company offers short-term disability insurance, you may want to think about purchasing a long-term disability insurance plan in case you are unable to work for two or more years. If your company offers long-term disability insurance, you may want to think about purchasing a short-term disability insurance plan to give yourself coverage until the long term coverage kicks in.

It’s also important to note that disability insurance often doesn’t fully match your existing wage. Typically, employer based disability insurance will provide you with 66% of your normal wage, while supplemental disability should cover the remaining percentage. So in order to fully cover your wage amount, you may want to obtain both.

Are you interested in purchasing disability insurance? Would you like some more information regarding options that are available to you? Would you like to ask some questions to an insurance expert? If the answer to any of these questions is yes, please contact us 954-828-1819 or visit us online at mhginsurance.com and talk to one of our insurance specialists for help in selecting disability insurance and other coverage to ensure that you and your loved ones have the protection you need at every stage of life.

Having life insurance should be a priority for everyone!

Life Insurance can be a topic that is difficult to plan for, and may be something you don’t want to think about. However, no matter what stage you are at in life, it should be a priority. If you are a young person just starting your career, now is the time to purchase a policy so you can lock in a lower premium. If you are a bit more established with children, what will happen to them if something happens to you? If you are about to retire and move to your dream house in the tropics, how will your spouse pay for the mortgage if the unexpected happens?

Questions to Ask Yourself

When purchasing a life insurance policy there are a plethora of things to consider; such as the amount of the benefit, the beneficiaries, and what actions are actually covered. One thing that may be assumed is that the coverage will be provided no matter where you are in the world. However, that is not always the case. For the most part, life insurance policies only provide coverage in the country they are purchased.

When purchasing life insurance, you should ask yourself questions such as:

• “How much coverage do I need?”
• “How long do I need coverage for?”
• “What type of policy should I purchase?”
• “Who should be my beneficiary?”

Many people don’t think to ask themselves:

• “Do I have international coverage?”
• “Do I need international coverage?”

That latter set of questions can be crucial if you are a person who travels a lot. Retirees traveling the world, yacht crew, and cruise ship workers are just a few of the people who may need international coverage. Typically, if you are in a foreign country for 3 or more months, your life insurance will not offer the coverage if something were to happen to you. So if you are a world traveler, or hope to move to a foreign country one day, or are an expat who looks to settle down back home when you are done with your career abroad, it may be smart to look at your policy and see if you are covered.

MHG Can Help!

If being away from home for long periods of time applies to you, then international life insurance should be a priority. Deciding if you need the extra coverage is the easy part, now comes what type of policy is right for you!

A large number of our clients work internationally, and could greatly benefit from having an international life insurance policy. In fact, many of our employees are expats themselves, and have personal and professional experience that can be used to assist you. It should also be noted that the price for international coverage policies are usually comparable to those that don’t have international coverage.

There are many things to take into consideration when making the decision of which type of policy is best for you, your family, or loved ones. Are you interested in purchasing Life Insurance or International Life Insurance? Would you like some more information regarding Life Insurance options that are available to you? Would you like to ask some questions to a Life Insurance expert? If the answer to any of these questions is yes, please contact us 954-828-1819 or visit us online at mhginsurance.com and talk to one of our insurance specialists for help in selecting Life Insurance and other coverage to ensure that you and your loved ones have the protection you need at every stage of life.

Have you ever heard the saying, “brokers make you broker”?

Brokers and insurance companies tend to have a bad reputation. Some people immediately have negative thoughts whether they are warranted or not. In fact, when we ask someone if they know what an insurance broker is or what they do, we receive all kinds of answers, most of them being negative. It’s time to improve on the perception of an insurance broker.

Take the time to find a quality, reputable broker to work with you in fulfilling your insurance needs. Not only will it be time well spent in the beginning when finding a plan, but it will also serve you well for the entire time that you have private health insurance needs, on a yacht or wherever your travels may take you.

Common Misconceptions

Insurance brokers aren’t evil, in fact they are quite helpful. It is a common misconception that brokers work for insurance companies, however that couldn’t be further from the truth. As insurance brokers, we work for you, the people!

It is also incorrect that working through an insurance broker costs the client more money. In contrast, working with a broker can actually save clients both time and money, in addition to frustration. Insurance brokers receive their compensation from insurers, but that does not (or should not) cloud the judgement of a good broker to recommend whatever policy is most appropriate to the situation as presented by you, the client.

Who Can Benefit?

Everyone who works on board a private or charter yacht that is travelling internationally should have private health insurance. Whether health insurance is provided by the vessel owner, or is purchased by each crew member individually, each person needs protection from a potential financial disaster caused by an unexpected illness or accident. The challenge is that it can be quite a task to sort through all of the options allowing you to determine what plan is best suited for your needs, or the needs of your group. This is where an insurance broker can be an invaluable source of information, and most importantly a helping hand.

So What Does a Broker Actually Do That You Cannot Do Yourselves?

First, they spend all day, every day dealing with insurance. They know the insurance industry, they live and breathe insurance, and they understand all the confusing terminology and phrases, which hopefully they can explain to you in a straightforward, no nonsense way. They also know the insurers, and the people who work there, which is a significant advantage over you calling a toll-free number and hoping for the best.

Second, insurance brokers evaluate and research the marketplace on a regular basis. A reputable broker knows the dynamics of the health insurance industry, what the headlines are, what is no longer relevant and which carriers provide consistent service. Nothing is more frustrating than finding an insurance plan that fits your needs, only to realize at time of claim that the company does not deliver.

Finally, a broker advocates and works on your behalf. If and when a situation arises where a shore-side helping hand is needed you can turn to your broker for assistance leaving you to continue to concentrate on your employment at sea.

How Do You know if a Broker is Reputable?

Word of mouth is the best form of marketing for a business, as well as the best form of research for a customer. There is no better way to find something than by asking someone you trust who has experience with your issues or concerns. This is also the case when finding a good insurance broker. Generally though, you want to look for a broker with experience and longevity in the health insurance business and one who certainly should be able to provide references. It is also important that the broker is specialized and experienced in the yacht crew area as it is quite different from the typical expat insurance market.

Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on preparing to work on a yacht, read our previous blog, “ Yacht Crew Insurance Terms 101”.

Are you looking to move and start a new life? Becoming an expatriate is one of the best ways to make a new start. Moving to a new country, creating a new home, making new friends, it can be a very fulfilling experience. One of the hardest decisions can be deciding where to move. After all, the world is a big place and it can be difficult deciding on one location. So if you are looking to make the big jump but are having trouble deciding on where to go, use the list we complied of some of the top places to be an expat!

Ecuador

According to InterNations , Ecuador is the highest ranking country in the world for overall satisfaction of expatriates. Although the language barrier can be difficult to overcome, it can be very easy to make new friends in Ecuador. It also offers a low cost of living, with growing downtown areas in cities such as Quito and Guayaquil which is creating a plethora of job opportunities.

Switzerland

Switzerland is notorious for having some of the world’s best banks and financial companies. With so many foreigners investing in their financial industry, it has helped create a high standard of living. English is commonly spoken helping to make it easier to adapt and settle down. Switzerland is also full of crystal clear lakes and beautiful mountains which makes it perfect for those who love the outdoors and wish to live an active lifestyle.

Singapore

One of the biggest draws for expats going to Singapore is the opportunity to earn a higher salary. A higher salary may be needed for those with children, as schooling here can be quite costly. Even though schooling is costly, it may be well worth it as Singapore is home to some of the best schooling in the world. Some other great benefits of living here are a great public transportation system, a stable economy, and low tax rates.

Canada

Oh Canada! Canada is a beautiful country that can offer wilderness and one of a kind natural beauty, and also appease to those who wish to live in a metropolitan area. One reason expatriates may be drawn to live in Canada is their national healthcare system. While the majority of Canadians speak English, Canada has a multicultural population with a plethora of friendly locals to help make it easier to settle in to your new country. Just make sure you pack some jackets!

Thailand

Who wouldn’t want to live in a tropical climate? Or in a place that is home to some of the world’s most beautiful beaches and islands? Aside from Thailand being an exotic location, there are many benefits for expats besides the tourist attractions. Some benefits include a low cost of living and a friendly tax system. Also, Thailand’s capital city, Bangkok, offers plenty of employment opportunities to expatriates.

Australia

Many people who visit Australia never want to leave. This could be why there is such a large number of expats living there. Australia offers people a great quality of life, breathtaking landscape and wildlife that can’t be seen anywhere else in the world, and we can’t forget the beautiful beaches. Think about it, how cool would it be to say that you live “down under”?

Moving to a new country can be an amazing experience, however if you decide to move back home there are some things you should be aware of. For more, read our previous blog, “ What to Expect When Repatriating ”. For those that are preparing to move to a new country, read our Expat Checklist for a to-do list to complete before the big move. If you are interested in more information about Expatriate Insurance , or are interested in purchasing Expat Insurance, contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding expatriate insurance coverage for you, your family or group!

Have you ever found yourself in a situation where your health insurance isn’t covering what you expected it would? Sometimes mistakes are made, and just because your insurance carrier isn’t paying for something, doesn’t always mean that you will be left to foot the bill. There are steps that you can use to take action and to ensure that you receive the coverage you purchased. By filing an appeal or disputing a health insurance claim, you can hopefully change the outcome. Filing an appeal can sometimes feel like a daunting task and can seem like a hassle, but by following these tips, we hope to ease the process for you, so you know what to expect.

1. Read Your Policy

The most important thing that you can do when you are filing an appeal to a health insurance claim is read your policy. You should read your policy when you purchase it, then re-read from time to time so you are refreshed on the breakdown of your coverage. It’s also a good idea to review your policy before having any procedure. Doing so could help avoid a situation where you need to file an appeal. It’s also important to assemble all important paperwork, and keep an organized record of the details of your case (Who, what, when, where, why, how).

2. Try to Have a Main Contact at the Carrier

Having one contact can make the process easier for you. By doing this, you will not have to keep explaining your case to every person on the phone. Also, you may be able to build some rapport with your contact, which may inspire them to go above and beyond to help you.

3. Be Patient Approach in the Right Manner

Patience will be required whenever filing an appeal as the process can take some time. The insurance company will conduct extensive research to determine if your appeal is worthy. Going into the situation knowing that the process can take some time may help you with expectations. It’s also important to approach the situation in the right manner. In many situations in life, handling something in a positive, respectful manner can get you a lot further than having a negative attitude or having a chip on your shoulder.

4. Contact Doctors and Hospitals

Be prepared to contact doctors and hospitals, and do a little bit of investigating on your part. You may come to find that there was an issue with the provider and it was just a simple error.

5. Act fast

When filing an appeal, there may be a limited time that you have in order to file. Similar to a return policy when you buy at a retail store, you may only have a certain number of days to make an appeal.

Beware

If your claim appeal is with a network provider, by contract the insurer usually can only pay the network provider, not you. So if you pay the bill and are awaiting reimbursement, it can be complicated. Also, if you decide to not pay any bills and wait for the appeal process to finish, your credit may take a hit. Talk to your doctor or office that you are working with and let them know the situation. Try to keep them from sending your outstanding bills to collections.

If you have any more questions about what steps you should take when filing an appeal, please feel free to ask us or comment below! Having proper insurance is important whether you are at sea, or docked at a shipyard. MHG is your specialized broker when it comes to crew insurance. Our insurance specialists have the knowledge and experience to find the policy that works best for you. If you are interested in purchasing, or have any questions about yacht crew insurance or travel insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. For more information on common yacht crew insurance terms, read our previous blog, “ Yacht Crew Insurance Terms 101.”

It’s that time of the year! That time where everyone looks back on the past year and makes changes for the upcoming one. Whether it is taxes, budgets, even weight loss, the motto is “out with the old, in with the new!” However, you may have not originally thought to review your life insurance policy. It’s always a good idea to review any insurance policy periodically, but the end of the year brings a perfect time to look at your current policy, and see if it still offers the coverage you need.

 Do You Have New Dependents or Family Members?

A lot can change over the course of a year, especially when it comes to relationships and families. Did you get married? Did you have children? Do you have new dependents in your life that may need to be made a beneficiary of your life insurance policy? These are all questions you should ask yourself when reviewing your policy. Also, maybe you need to increase the overall value of the policy to account for new dependents.

Did You Have Any New Major Purchases or New Debts?

Many times, people decide on the value of their life insurance policy based on their outstanding debt. For example, if you have a mortgage of $200,000, it would be smart to include $200,000 in your calculation for your life insurance to cover the cost of the house if something were to happen to you. Purchases such as buying a house, buying a car, starting a business are all ways to increase your debt, and should be taken into consideration when deciding the value of your policy.

Did Something Change at Your Job?

There are scenarios of changes at the workplace that should give you a reason to review your life insurance policy. One is if you were to start a new job. There is a chance that your job offers employee sponsored life insurance based on your salary. This is a great benefit to have, so take the amount of coverage provided into consideration if you are purchasing a policy.

If you didn't start a new job, there are still changes that may have occurred over the past year that warrant a policy review. Getting a raise may give you more expendable income to increase your policy value. Also, if you received a promotion, there may be changes to the benefits provided to you such as the value of your life insurance policy.

Did You Move?

Moving always seems to bring more changes to someone's life than they originally expected. If you moved to a foreign country, there is a strong possibility that your life insurance coverage didn't follow you to your new home. Many life insurance policies are only covered in the country of purchase. However, it should be noted that there are several options for international life insurance coverage. If you would like more information on international life insurance, read our previous blog " Your Life Insurance May Not Have International Coverage ".

Our wellness and security is important to us. For other things to consider with the New Year right around the corner, read our previous blog, “ Learn Why the Start of a New Year is Important to Your Insurance Benefits ”. Whether you are purchasing  life insurance  for the first time, looking for better coverage or are interested in learning more about other types of insurance available to you, we can help! Visit our website at  mhginsurance.com  or speak with an Insurance Specialist at 954 828 1819. Don’t forget the deadline to enroll in a full-time health insurance plan is January 31st, 2016!

Many people consider the "Holiday Season" their favorite time of the year. With so much going on from decorating the house, to baking treats, and getting all of your holiday shopping done in time, this time of the year can also bring some stress. Especially if you have a trip scheduled!

Packing for a trip can be difficult, no matter how many times you double check to make sure you have everything, it can feel like you are still forgetting something. Going on a trip this time of year also leaves you less time to complete all of your other holiday tasks. Don’t become overwhelmed and not properly prepare for your trip, follow these tips to help get you ready to go.

1. Do Your Research

No matter where you are going for your holiday trip, it is important to do your research. Even if you have been there multiple times, it's important to see what the weather forecast and temperatures are expected to be. This will let you pack the proper clothing needed to stay warm, or cool.

Also, it's a good idea to make a list of all the items that you need to pack. Cross off each item as you put it into the bag in order to keep track of everything and minimize your chances of forgetting something.

2. Bring Cash

I'm sure you have heard this saying time and time again, "Cash is king!" Carrying large amounts of cash may not always be the best idea, but going a trip is an exception. If your credit card happens to get compromised while you are away, it will be shut down leaving you with no other way to pay for things. Also, there is a chance that some places you are going don't accept credit cards. Don't take a chance and find yourself stranded in a foreign place.

3. Carry-On Luggage

If traveling on an airplane, there are certain items that should be put in your carry-on bag. Any breakables you are taking should be kept with you at all times. Also, your toiletries should be put in your carry-on luggage in case you need to freshen up at the airport. Most importantly, any prescriptions you have or medications you are taking should be kept in your carry-on. In the event that your luggage is lost, you will still have the medicine you need.

4. Save Space

Whenever you are packing for a trip, saving space is a must. There are several different tips to help you get the most out of your luggage. Try rolling your t-shirts instead of folding them. Also, you can stick rolled up clothing inside your shoes. If you have any large jackets, it may be a good idea to wear them or carry them so they don't take up space in your suitcase.

5. Gifts and Souvenirs

If you are going on a holiday trip to see family or friends, there is a good chance that you will be traveling with gifts. Depending on the gift, it may be better to ship the gift to your destination separately. Or you can plan ahead by only getting small presents that you know will be able to fit in your luggage. Be sure to leave space in your bag for any souvenirs that you may buy, or gifts that you may receive.

Before setting off on your next adventure, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at  mhginsurance.com  to obtain  trip cancellation and travel insurance , along with other insurance plans that will make your trip an exciting, hassle-free experience! MHG Insurance Brokers hopes that you arrive and return safe and sound. For more holiday travel tips, read our previous blog, " Save Time and Money with These Holiday Travel Tips ". Happy Holidays!

Do you ever find yourself too busy to exercise? Is working a full time job making it difficult for you to find the time to stay active? Trying to find time for yourself, or time to work out can be quite a challenge when working full time. After all, spending the majority of your day at work and battling rush hour can take a lot of energy. Yet, there still is no excuse for taking care of yourself. Living a healthy lifestyle is important, and sometimes it can feel like work gets in the way of that. So if you find yourself willing to try something new in order to stay active while working full time, follow some of these great tips! 

1. Get Up Early Waking up early can be a drag if you aren't a morning person. Hitting the "snooze" button is almost unavoidable. While it may take some will power and extra motivation, getting up earlier to work out can have an amazing impact on your day. For one, exercising in the morning is a great way to start the day, get your blood pumping, and give you that feeling like you are ready to take on the world. You will even find that by working out in the morning that you may be sharper throughout the day.

2. Ride Your Bike or Walk to Work One fun way to try and stay active is to walk or ride your bike to work. While this option may not work for everyone, those that live in close proximity to their job should give it a try. Enjoy the scenery, get some fresh air, and have some time to clear your mind before starting your day at the office. The best part is that you will be saving money on gas!

3. Take Periodic Walks While on the job, you want to be productive as you possibly can. So taking a long walk might be a bad idea. However, try breaking that long walk into shorter ones throughout the entire day. Use a bathroom break to walk around the building for a few minutes. Doing this every couple of hours will add up, and by the end of the day you might be surprised how much you have walked. Try wearing a pedometer to help keep track of your steps and help you reach any daily goals you might have.

4. Join a Gym Close to Work If you work close to a gym, consider getting a gym membership there. You can go for a work out on the way in or just after you get off. Waiting until you get home to exercise is another option, but after having along day on the job and having to battle through rush hour can leave you feeling exhausted by the time you get home.

5. Use Your Lunch Break Going on your lunch break is one of everyone's favorite parts of the day. If you plan on eating at nearby restaurant or are picking up food to take back, try walking instead of driving. Or if you joined a nearby gym, try going there during your lunch break to save time. Just be sure to shower before heading back to the office, no one wants to sit next to the sweaty person. 

Here at MHG Insurance Brokers, we look forward to sharing tips and information with you that may help keep your stress levels down, and your quality of life up! Whether you are purchasing health insurance for the first time or already have a plan in place, or are simply looking for better coverage, we want to help you find an affordable health plan that works for you. MHG Insurance Brokers is an Affordable Care Act certified insurance brokerage, and can offer you expert advice and solutions for you, your family, or your business. If you have any further questions or concerns about the Affordable Care Act and open enrollment, please feel free to contact us here by calling 954-828-1819, or visiting mhginsurance.com! Don’t forget, Open Enrollment began on November 1^st and runs through January 31^st, 2016.