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Kriss Lane Isle of Man (March 24, 2015) – MHG Ocean Benefits Ltd, which trades as MHG Insurance Brokers, announced today that Kriss Lane has joined the company as Operations Assistant. In this newly created position, Lane will provide operational support to the Operations Director in addition to providing assistance to the Underwriting and Claims Teams as needed. Lane has over 12 years of experience in the financial services sector in Douglas, having worked for various institutions on the island, including Lloyds Bank in their Fraud Detection Unit.

 

“As our client base continues to grow, Kriss is a welcome addition to the team” said Cathy Lane, MHG’s European Operations Director. “His experience and knowledge will help us to continue serving our customers in the expedient manner they have come to expect of us.”

MHG’s Isle of Man office has been open for six years and primarily provides insurance solutions to international residents and those who work at sea.

About MHG Insurance Brokers 

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, business insurance and financial services all supported by comprehensive attention to service support for all of our clients. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S. MHG provides group and individual employee benefits along with advice on federal regulations regarding Health Care Reform and the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com  

Kriss Lane Joins MHG Insurance Brokers as Operations Assistant

Travel Insurance for Cuba?

cuba travel insuranceSpanish, cigars, and sangria, just a few things the fairly mysterious country of Cuba is known for. This small island is rich with history and culture, and thanks to new laws that have been passed between Cuba and the United States, many will now be able to learn and experience everything this island has to offer first hand. The best part is, you won’t have to go uninsured either. Just in case you didn’t know, the United States government has restricted travel to Cuba since the 1960’s, ever since Fidel Castro came to power. So even though the borders aren’t fully open to American citizens, this is the first time in over 50 years that many will have the opportunity to experience Cuba in a way that wasn’t even an option before. 


What’s New?

The U.S. government has loosened the travel restrictions to allow Americans the ability to travel freely to Cuba, just not as freely as you may think. While American citizens won’t need prior authorization to visit the country that is famously 90 miles south of Florida, there is still a catch. The U.S. government has limited travel to journalists, government officials, those licensed by the Treasury Department, academic purposes, and those with immediate family members living in the country. Independent travel to Cuba still remains prohibited for Americans. Oh, and if you were planning on bringing back some Cohibas with you, there are limits to the amount you are allowed to bring home. Visitors will be allowed to spend more, being able to bring back up to $100 in Cuban cigars and even use credit cards. 

Business 

U.S. companies are now following suit after the loosened ban on travel to Cuba. It hasn’t happened across the board yet, but airlines, hotels, travel agencies, and many other businesses will soon look to expand their business into Cuba. So for the time being, it still may be difficult finding travel accommodations to get to Cuba with no direct flights available, so be prepared for layovers and having to take connecting flights from Mexico or other countries within the area.

Insurance 

Of course our favorite business expanding into Cuba is insurance! The Cuban government requires that all visitors must obtain a medical insurance policy upon entering the country. Typically, those that do not have an international insurance policy, travel insurance can act as their primary insurance while abroad. For those who were wondering, there are several travel insurance options that offer coverage in Cuba just as it would anywhere in the world! So if you are planning on making the trip, contact us for your travel insurance that includes Cuban coverage!

Keep in mind that all of the changes that are forthcoming are new, and new information can present itself at any time. Be sure to check in regularly to stay aware of any updates. 

If you have any questions about your travel insurance regarding Cuba, or are interested in purchasing yacht crew insurance or expat 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 insurance regarding Cuba, read our previous blog, “What Does Cuba’s Opened Borders Mean for Your Insurance?” MHG has the insurance specialists to assist and advise you, your loved ones, group, or business, on all of your insurance needs.

Travel Insurance for Cuba?

Expatriate ChecklistTaking the leap and becoming an Expatriate can lead to an overwhelming wave of emotions. From excitement, to scary, to nervous, to anxious, even nostalgic, knowing that you are leaving your home to start a new life in a new place will give you a rush one way or the other. Deciding to become an expat is step one of a long list of things to take care of before you set sail on your new adventure. So use this Expat Checklist when organizing, packing, and scheduling everything that needs to be done before your big move!  

  

  1. Medical check-ups for you and each family member are a must before you leave, and make sure to get an extended supply of any prescription drugs. Also, obtain a copy of the medical file related to the condition that requires prescription drugs, and be sure to keep these with you during your travels (keep in your carry-on). Check what vaccinations are required.
  2. If you have children, look into education opportunities abroad. The countries school system, boarding school, home schooling, etc.
  3. Learn the language! At least the basics in order to communicate important stuff.
  4. Passports and VISAs need to be valid, and it may be a good idea to renew them if they are set to expire in the near future. If you’re filing for a new passport, file your application early because it may take some time to complete. Remember, some VISA applications require a lot of paperwork so start those early as well.
  5. Cancel any subscriptions you may have. Such as magazines, telephone, cable, internet, etc.
  6. Apply for an international driver’s license. Keep both your international and domestic licenses with you at all times.
  7. Make photocopies of all important documents, such as birth and marriage certificates, social security cards, etc.
  8. It may also be a good idea to get any important documents translated into the language of your new country of residence. It could make this whole process a lot easier and quicker.
  9. Handle your property before leaving. Your house, are you selling it or renting it? Your car. Anything else of significance you may own. Also, make arrangements for your vehicle at your destination. Are you shipping your car there, or do you need to rent or purchase a new one?
  10. Ask your bank about money transfers and banking abroad. Look into online international banking, it may be easier to make transfers and manage funds between countries.
  11. Take food items, or any other items for that matter that you enjoy but won’t have available to you in your new country. At times you may be homesick, and these items may help sooth your soul.
  12. It is very important to share the new address and your new contact information with your friends and family. Just in case of any emergencies.
  13. Set up your utilities ahead of time, so you won’t be without power or water upon your arrival. This goes the same for cell phone and internet access, in order to let your loved ones know that you have arrived safely and are settling in.
  14. Determine the tax rules of your new country, as each country has specific tax rules on foreign earned income. Also, there may be taxes on any shipped items that you have shipped to your new country.
  15. Insurance! Expats need International Health Insurance in order to have worldwide coverage. Instead of trying to figure out the insurance plan that is best for you and your family, find an insurance broker to do that for you. You have enough things to do as it is.
Print this checklist and carry it with you to use when packing and moving to your new country. Moving to a new country can be an amazing experience. For more information on what it’s like being an Expat, read our previous blog, 5 Reasons why it’s Great to be an Expat. 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!

Expat Checklist Before the Big Move

save moneySlip and falls, overexertion, accidents, are just a few of the workplace misfortunes that can cause you to pay a pretty penny in workers’ compensation. There are several things you can do to help save you money on workers’ compensation insurance. A good way to look at it is the same way you would look to save money on your auto insurance, taking the necessary preventative measures. 

 

1. Check the Office 

One of the first things you can do is see if your carrier will come to your workplace and offer advice and tips on things to fix. Make these corrections and fix any hazards that are pointed out. If your carrier doesn’t offer this service, there are risk service managers who can do it for you. 

2. Training Programs 

Having properly trained employees can lead to more efficient and better workers. A person who is properly trained to use a machine is less likely to cause an accident than a person who is learning on the job. Training programs are also important in reducing the risk of user errors around the workplace.

3. Drug Free Workplace Policy 

It may seem comical that we even need to mention a drug free workplace, but according to the Substance Abuse and Mental Health Services Administration, “employed drug abusers cost their employers about twice as much in medical and worker compensation as their drug-free coworkers.” It is a good idea to screen new hires and make job offers dependent on passing a drug test. Also, arrange for random drug testing of all employees. Include all of the substance abuse rules that you would like employees to follow in the employee handbook, and include the disciplinary action for each offense. These steps can pay off because there typically is a discount associated for employers who arrange a drug free workplace program. 

4. Safety Program 

A proper safety program can lead to a drop in workers’ compensation insurance premiums. Premiums typically reflect the amount and types of injuries that happen in your workplace. A well thought and successful safety program that encourages employees to think safety first, rather than go through motions, can reduce the number of accidents and injuries, which may lead to more money in your pocket.

5. Accident Response Plan 

No matter how many training programs are installed, accidents will still happen. So having a good accident response plan could be crucial in helping you save money on your workers’ compensation insurance. A good accident response plan can help limit the severity of an injury, thus decreasing the amount to be paid out. For example, if an employee happens to get injured on the job, having proper immediate attention to the injury may reduce the amount of medical attention needed to be done, creating a smaller medical bill. A less expensive claim, means a less expensive premium. 

6. Evaluate Your Policy Annually 

If possible, every year you should try to review your policy with your agent. A lot can happen in a year, and things may have changed causing you to update your policy for more or less coverage. Also, this will build your relationship with your insurance agent, and let them see you are very serious about reducing your costs, taking all the proactive measures that you can. 

7. Outsource

If your business involves dangerous work, it may be smart to consider outsourcing those jobs. Obviously there are some jobs that just cannot be outsourced, but for those that can, take a look into it. Let the risk of someone getting injured be on someone else’s watch, not yours. It may also save your business money overall, not just on workers’ compensation insurance. 

Workers’ Compensation Insurance should be a top priority for all businesses to have. If you would like more information on workers’ compensation, read our previous blog, “Hard to Place Workers’ Compensation Insurance Solutions.” If you have any questions, or are interested in purchasing workers’ compensation insurance, or any other form of business insurance, please contact us at 954-828-1819 or visit us online at mhginsurance.com. Our insurance specialists have the knowledge and experience to assist and advise your business about all the necessary business insurances.

How to Save Money on Workers’ Compensation Insurance

Miami International Boat ShowThe Miami international Boat Show is here, and the Palm Beach International Boat Show is just around the corner, which means one thing for yacht crew, BUSY! Boat Shows can be a fun way to mingle and network with your peers in the yachting industry, those who are looking to get into the yachting industry, and let’s not forget those that want to go just to see all the boats. However, it can be quite a busy time for yacht crew with all the events, parties, and functions to attend. And that’s after working all day. There are some things you should be aware of when attending a Boat Show, especially if you are visiting from out of town, which can slip your mind in the midst of everything going on. Here is our list of things to be aware of when visiting a boat show.


1. You May Lose Your Health Insurance If Your Boat Sells 

Boat Shows are a great time with, big parties, events, speakers, and networking. It’s easy to forget the purpose of the show, to sell boats! If you are a crew member of a boat that was sold, it is possible you will lose your health insurance. Be sure to know what the aspects of your insurance plan are, and talk to your captain about what happens if your boat does indeed sell. If you do lose your insurance, it’s not the end of the world, we can help you with that!

2. Temporary Floating Docks 

Temporary floating docks could potentially be a hazard for someone who isn’t experienced walking on them.  They do not offer the same support as a permanent, sturdy dock, and can also be very narrow, weaving in and out of boats like a maze. Someone can easily lose their balance and fall in the water. For those who do have experience walking on docks like these, it is important not to be complacent, and always use caution. 

3. Over Indulgence

It can be very easy to over indulge at a boat show, or any gathering for that matter. Especially after working hard all day and wanting to enjoy yourself at night. With people handing you drink after drink, having a good time with those around you, it can be very easy to lose track of how many you may have had. Being a little intoxicated, walking on floating docks, being in an unfamiliar place, can be a sure recipe for an accident. If you are planning to indulge and don’t want to get too intoxicated, try having a drink and following it with water. 

4. Knowing Your Surroundings 

People travel to boat shows from all over the world. Many of those people aren’t familiar with the location, which may cause some problems. For one, if you have an important meeting at the show, you wouldn’t want to get lost and be late or miss your meeting. Another reason it would behoove you to familiarize yourself with where you are, is in the event of an emergency. It’s always a good idea to know where the closest hospital or Urgent Care facility is located. 

5. Stress 

With everything that is going on at a boat show it can be quite easy to get stressed. There are so many events packed into one short weekend, and let’s not forget all the work to be done on the yacht. You can be overwhelmed quickly. So try to remember to enjoy yourself and have a good time, and remember you are at one of the coolest events in the world!

Don’t forget, the Miami International Boat Show starts February 12th and ends February 16th, and the Palm Beach International Boat Show is March 20th- 23rd

For more information on what’s currently happening with Yacht Crew Insurance, read our previous blog, What Does Cuba’s Opened Borders Mean for Your Insurance? If you are interested in purchasing Crew Insurance, or would just like to talk to us for more information or advice, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the Insurance Specialists to get you, your family, or group, the best coverage for your budget.

5 Things to Be Aware of When at a Boat Show

cupidLove is in the air! It’s almost Valentine’s Day, and we thought it would be great idea to make sure Cupid has the proper insurance coverage that he needs. Especially since the day after his busiest day of the year is the Open Enrollment deadline for federally approved health insurance. Just to make sure we’re all on the same page, that day would be February 15th! But enough about that, Cupid is in need of proper insurance in order to get ready for his big day. Be on the lookout for arrows!


Health Insurance 

The first insurance that Cupid would need to have is health insurance. Cupid can’t afford to get sick and be out of commission with the flu going around, especially during his busiest time of the year. In the unfortunate event he does get sick, or has a medical issue, having health insurance will allow him to see a doctor and get the proper treatment to get him back on his feet (or wings) quickly, and get back to being everyone’s favorite matchmaker. 

Travel Insurance 

In order for Cupid to work his magic around the world, it’s important for him to have a good travel insurance plan. There is a lot of work to be done for that one little person, and that includes a lot of flying and traveling in order to get around to everyone. Who knows, he could have to travel to several countries in one day, probably around the whole world on February 14th. So he would need to have good coverage no matter where he goes. 

Life Insurance 

“Why would Cupid need life insurance? It’s not like he’s taken the time to settle down and start a family of his own, he’s too busy helping others fall in love and settle down.” That may be true, but in the event that he gets shot with one of his own arrows and falls in love, he can already be prepared with good coverage. After all, you never know what will happen. Oh, and also the younger you are the better chance that your premiums will be less expensive.

Business Insurance 

The business of falling in love can have its ups and downs. On the off chance that Cupid may have gotten it wrong, he needs his business to be protected from lawsuits, injuries, and defamation from angry clients. He wouldn’t need to worry about other workers injuring themselves on the job because he is a one man (or boy) show. But even without a workforce, his business needs to be protected.

 As said before, don’t forget that the Open Enrollment deadline is February 15th! If you are interested in purchasing health insurance, we recommend that you look into it soon. For more information on the open enrollment deadline and possible penalties, read our previous blog Affordable Care Act Penalty and Effective Dates. Also, if you are interested in purchasing travel insurance, life insurance, business insurance, or expat insurance, please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG Insurance Brokers has the insurance specialists to assist and advise you in selecting the plan that best suits you, your family, or group. We would also like to wish you and your significant other a Happy Valentine’s Day!

What Insurance Should Cupid Have?

Cuba¡Hola Cuba! It might be time to brush up on your Spanish now that border restrictions between the United States and Cuba have been loosened. For those that don’t know, recently there was a shift in policy by the President of the United States easing travel restrictions between the U.S. and Cuba, which may soon open a wealth of opportunity for the travel and tourism industry, especially since it’s only 90 miles south of Key West. Many U.S. based insurance companies will begin to pay for claims and reimbursements that they previously never used to.  Does anyone know how to say insurance in Spanish?! 

 

Cuban Coverage 

As you could assume, many Americans, and possibly yachts, will be looking to include Cuba as a destination to see the beaches and other sites, since that it has been off limits for the past 50+ years. With many expected to travel to Cuba, statistics show that accidents are bound to happen, so it is important to know if your insurance provides coverage. If so, any expenses should be covered under the standard term of the policy that you have. So you will have the same coverage in Cuba that you would anywhere. As long as you are visiting under “legal” methods, your policy should provide you with coverage, depending on the carrier. 

Coming Soon 

It is important that you continue to check with your insurance agent whether or not your policy has changed yet. We know of three carriers that have said they will honor claims made from Cuba, and can only assume that others will soon follow. So if your carrier doesn’t cover now, it may very well in the near future. Insurance carriers will also be working over the next couple months to create a doctor network, which will be very helpful to yacht crew and tourists alike. 

Health Concerns

Keep in mind, many Americans more than likely have never been to Cuba, so it would be smart to be prepared for different scenarios. There could be health concerns such as the chikungunya virus that is prevalent throughout the Caribbean. Also, in the event that you do fall ill or require medical attention, be sure to keep vigilant to prevent any fraud. Don’t fall victim to being overcharged. For example, if you are paying $3000 for a checkup, your insurance is not going to reimburse you for that. This is just a consumer beware, not a need for concern, and definitely not an accusation against the Cuban medical environment. 

Keep in mind that all of the changes that are forthcoming are new, and new information can present itself at any time. Be sure to check in regularly to stay aware of any updates. 

If you have any questions about your yacht crew insurance plan regarding Cuba, or are interested in purchasing travel insurance or expat 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 crew insurance, read our previous blog, "5 Things You Should Know About Crew Insurance." MHG has the insurance specialists to assist and advise you, your loved ones, group, or business, on all of your insurance needs.

What Does Cuba's Opened Borders Mean for Your Insurance?

Umbrella PolicyMany of us work hard and save up to buy a home, car, save for retirement, etc. Things that are symbolic for success and hard work, and also provide security for you and your family’s future. But what if all of that could be taken away from you? All of that hard work, years and years of saving and planning gone in an instant. All because you were the cause of a major accident, or someone injured themselves at a party you were throwing at your house. Accidents can happen anywhere, anytime, and are never expected. So don’t go through life worrying about when or where an accident is going to happen trying to keep it from happening, you will lose your mind. Just make sure you have a good umbrella policy to give you coverage in those events. And no, I’m not talking about that umbrella.


Sometimes you need more coverage 

There are times when your business or company will need coverage. Whether you are working with a company that requires you to have more coverage than your general liability policy. Rather than increasing your general liability, many times you can get an umbrella policy to cover the rest. For example. Say your general liability gives you coverage for $1 million, and you are doing work for a company who will only work with you if you have $2 million in coverage. It may make sense to take out an umbrella policy to cover that extra $1 million.

Excess Liability 

Many times, an umbrella policy can be referred to as excess liability. The excess coverage kicks in when the underlying limits on your general liability policy have been exhausted, or your have been sued for something that it doesn’t cover. It can cover you for many things that your business has nothing to do with such as eviction, defamation, false imprisonment, personal injury, invasion of privacy, malicious prosecution, and wrongful entry. Protection against slander and defamation could be a crucial feature to protecting yourself, as word of mouth and negative publicity can ruin a business. 

Lawsuits happen more than you may think

It’s not uncommon for someone to be involved in an accident and immediately look to sue. All it can take is for someone to slip and fall while walking on your property. If that should ever happen, it could destroy your business and financial security. Did I mention that lawsuits are costly? 

You have A LOT to protect

Many people don’t realize all the things they can lose in a lawsuit. Just because you don’t have $1 million in your bank account doesn’t mean you don’t need that kind of coverage. There is more at stake than which you know such as your retirement funds, investments, future earnings, and even the equity in home. If that doesn’t make you reassess whether you need an umbrella policy, I don’t know what will. 

If you own a business, and are looking for protection and would like more information about umbrella policies, MHG Insurance Brokers would be happy to assist you. Also, if you are looking to purchase other various forms of business insurance such as General Liability or Professional Liability, our insurance specialists have the experience to assist your business and offer advice in finding the perfect plan to fit all of its needs. Contact MHG Insurance Brokers today at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com.

Why Business Owners Need an Umbrella Policy

Jeremy Scarlett FORT LAUDERDALE, FLORIDA (January 27, 2015) – MHG Insurance Brokers announced today that Jeremy Scarlett has joined the company’s Marketing Department as Marketing Assistant. Scarlett’s primary focus will be implementing the company’s social media marketing strategy, in addition to providing general marketing support to all divisions within the MHG Group of Companies. Scarlett is a recent graduate of the University of Central Florida and holds a Bachelor’s degree in Marketing. While at university, Scarlett interned with the university’s Athletics Association and served as Director of Special Events for the Society for Marketing Professional Services where his primary achievement was influencing over 40 local companies to attend and recruit students for internship and full-time positions. 

 

“Jeremy is exceptionally driven and has already exceeded our expectations in engaging our followers via social media.” said Melissa Gribas, MHG’s Marketing Manager. “He shows great promise and he’s a welcome addition to the marketing team.” 

MHG Insurance Brokers has been providing insurance guidance and solutions since 1991. The company has established an unrivalled reputation for providing quality insurance products that meet clients’ coverage requirements and budget.

About MHG Insurance Brokers 

Established in 1991 in Miami, Florida, MHG Insurance Brokers is an independent, global, full service insurance brokerage and consultative facility. Through its extensive relationships with international underwriting markets, MHG develops and provides a full range of employee benefits, risk mitigation programs, business insurance and financial services. In the marine community, MHG is well known for its expertise in the Maritime Labour Convention (MLC 2006) and developing MLC-aligned crew insurance solutions. In the U.S. MHG provides group and individual employee benefits along with advice on federal regulations regarding Health Care Reform and the Affordable Care Act. For more information about MHG Insurance Brokers and the services we provide, please visit mhginsurance.com    

MHG Insurance Brokers Hires Jeremy Scarlett as Marketing Assistant

Time to get healthyThere’s never a bad time to make the decision and commitment to live a healthier lifestyle. We all know that the most popular time to start working out and eating better is at the start of the New Year. Probably because people feel that they need to make drastic changes because this is a new year, or want to lose that holiday weight. Gyms are crowded, carbs are being cut, and many are cooking at home rather than eating out. However, there are countless reasons getting healthy should be the number one priority on your list, and it has a lot more to do with than just losing weight and starting to work on your summer body. Here are just a few that may inspire you to start living healthy today! 

 

More Productive 

Many people don’t exercise or stay active because they have an excuse. Many times that excuse is, “I don’t have enough time.” Which is ironic, because people who do make time to work out every day, whether it be getting up earlier or staying up later, actually get more done in a day than people who don’t. Usually in less time too. Especially those that choose to work out or go for a run in the morning before going to work. It’s a bit ironic considering that exercising can make you tired, but if done correctly, it can get the blood pumping and the mind working and get you ready to perform at your best.

More Energy at Work 

One of the reasons people who live healthier are more productive is because they have much more energy. Most of us arrive at work still trying to wake up, needing to get into our zone in order to get some work done. Yet those that live healthy lifestyles tend to not go through that. They arrive at work ready to go, and when 2:00 pm comes around, they are still kicking. There are certain foods that you can eat and avoid as well to make sure you have the energy you need. Eating fruits and vegetables is a natural way to feel energized. If you’ve noticed, anytime you load up on bread and other carbs, or eat a very big meal, you may tend to feel a little drowsy.

Nip it in the Bud 

Living a healthy lifestyle goes beyond eating right and exercising, you also need to go to the doctor and have your yearly check-ups. By doing so, you may catch an issue and be able to do something about it before it is too late. Also, your doctor may be able to suggest something for you to change in your lifestyle that can aide you, such as vitamins, supplements, exercises, and nutritional advice. For instance, if you have changed your diet, you may be losing weight and feeling better, but also may be depriving your body of certain vitamins or minerals. A doctor will be able to tell you to keep up the good work, or recommend something to help! 

You will be Glad You Did 

The most important reason for you to start living a healthy right now is simple, why not? It is never a bad time to take control of your life and make the changes necessary to ensure that it’s as long and fulfilling as possible. Also, if you start now, in no time will you begin to feel better, and pretty soon, you won’t even remember how you felt before you started. If you have excuses or are waiting until next Monday every week, just remember this, the sooner you start, the sooner you reach your goal! 

Your health and wellness is a priority. MHG Insurance Brokers is committed to serving all of our clients and making sure you have the coverage necessary for you to live a healthy life. We have the experience to assist and advise you on what insurance would be the best for you. If you are interested in Health Insurance, or would like more information, contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit mhginsurance.com.  

Why “Now” is the Best Time to Get Healthy