Did you watch the London Olympics?  Have those athletes inspired you to take up a new sport or get back to the one you love? 

 

Now that the closing ceremonies are complete are you looking to travel and have an adventure of your own? How about some rock climbing in England? Looking to jump out of an airplane like the queen? Is white water rafting, scuba diving or some bungee jumping in your future? Perhaps some BMX or motorcycle racing is more your style. 

Whatever extreme sport you are looking to participate in you need an insurance plan with the medical benefits to keep you covered. MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client.  MHG have the health benefit plans that you need for traveling abroad and for participating in the extreme sports activities you love. 

Most traditional medical plans are not designed for international travel and usually exclude hazardous sports activities. With travel policies you have access to 24 hour international, multilingual customer service centers ready to coordinate your emergency medical services and international treatment.  The insurers offering these plans understand the language and of most countries. 

Travel insurance including cover for adventure sports is very affordable so there is no reason to participate in international extreme sports without coverage. Plans typically require no coinsurance for treatment received outside the US and Canada, while providing world class medical benefits for in-patient and out-patient medical expenses.  Coverage is available for as little as 5 days up to a year. 

Where will you be traveling? Visiting a place where medical care is at a minimum? Travel insurance plans includes coverage for emergency medical evacuation from a medical facility to the nearest qualified medical facility.  Once you are finished receiving the necessary medical treatment plans may also provide for the cost of returning you to either your home country or the country where the evacuation occurred. 

What if the person you are traveling with gets injured? Or you are home and a loved one is injured and needs you? Travel insurance can provide emergency reunion coverage for reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person.   This coverage is for either the cost of accompanying the insured during the evacuation or travel from the home country to be reunited with the insured.   

When a loved one is injured, you have enough to worry about, so let the insurer help you. Before you go for the thrill make sure you are covered for those sudden and unexpected accidents and illnesses.  MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.  

Olympic Inspired Adventure Travel Insurance

The experts say if you do something every day for 30 days it will become a habit. Summertime is the perfect time to develop healthy habits that can create positive lifestyle changes.  

 

For a healthy lifestyle one needs to eat healthy, be active, protect yourself and your family, manage stress and get regular checkups by your doctor. Eating healthy is an easy habit to develop in the summer with the variety of fresh fruits and vegetables that are available.  Stop by a farmer’s market and try some  of the amazing fruit that is in season right now. Make sure you eat a variety of fruits and vegetables each day and include some whole grains.

Limit foods and drinks high in calories, sugar, salt, fat, and alcohol. A balanced diet combined with physical activity will help keep you at a healthy weight. Children and teens need to be active for at least one hour a day and outdoor activities are plentiful this time of year.  Include activities that raise their breathing and heart rates and that strengthen their muscles and bones. Adults should be active for at least 2½ hours a week. You should also include activities that raise your breathing and heart rates and that strengthen your muscles. With the long summer days there are plenty hours of sunlight to get moving in.  

Physical activity helps to maintain your weight, reduces high blood pressure, heart attack, stroke, and several forms of cancer. Arthritis pain, depression and anxiety symptoms are also reduced by physical activity. When out enjoying the summer days remember to wear sunscreen and insect repellent.  Protect yourself and your family from injuries with seat belts, helmets, and protective sports equipment. Eating right and daily exercise will help manage stress.  

Remember to balance work, home, and play.  Everyone needs a support group of family and friends. Relaxation and meditation are great stress relievers, take time for yourself.  And strive for 7-9 hours of sleep each night, children including teenagers need even more sleep.  If you are still feeling over whelmed or depressed counseling may be needed. 

Remember to schedule regular checkups for you and your family with your doctors.  Discuss your health problems and risks and devise a plan for improvement.  Find out what exams, tests, and shots you need and when to get them. 

A little prevention goes a long way to help ensure a long and healthy life. Check with your broker to see if your health benefits plan covers for those regular checkups, tests, and shots. It is important that you know your coverage before you need it. MHG your Marine Insurance Broker offers a variety of comprehensive medical insurance plans to meet the needs of each unique client. 

Whether you are looking for specialty marine crew insurance, individual health insurance plans, family health insurance plans, or group health insurance plans, the experts at MHG Insurance Brokers have the resources to help you choose the ideal policy for your unique requirements. Contact us today at 877-278-7400 to learn more.   

Healthy Living Tips From Your Marine Insurance Broker

Yacht Crew Insurance

You have landed that dream job aboard a gorgeous yacht and are excited about the places you will visit and the people you will meet, but did you ask your employer the important questions?  How and when are you going to be paid? Will taxes be taken out of your pay? And what about insurance?  Health insurance, disability insurance, life insurance? 

 

“Look at salary as one part of total compensation package including vacation, travel stipend, medical insurance, opportunity for continuing education, etc., as those are real costs and represent another $10,000-15,000 in additional benefits that many employers now pay,” said a chief stew in The Triton survey of crew members. Most crew members, about 70 percent, are paid monthly with the rest receiving their pay every other week.  

More than three-quarters of them receive their pay through direct deposit or wire transfer, most of the rest received a paper check.  Very few are paid in cash and they are usually on smaller yachts. The U.S. dollar is the most popular form of currency for crew pay, about 82 percent, regardless of where they work in the world.  Most of the remaining crews receive their pay in Euros. 

Nearly 70 percent of crew members do not have any taxes deducted through their paychecks.  However, you are still responsible for taxes due, if any, in your home country. Many US crewmembers are paid as independent contractors and receive a 1099 form for wages and tips earned and will owe taxes.

Many long-term US crew have created corporations, and in that case the yacht pays the corporation, which in turns pays the crewmember.  The corporation then pays all the taxes, travel expenses and health benefits, which can be advantageous.

If your employer does not provide health insurance you need to obtain your own, so you are covered in case of an accident or illness. MHG Insurance Brokers works with several insurers to provide you with the medical benefits that you need for your new career and lifestyle. We offer health benefit plans designed specifically for captains, officers, and crew. With several plans to choose from, MHG can recommend a plan specifically designed for an individual or a group.  

MHG also offers plans suited for seafarers who need spouse and/or dependent coverage. MHG’s expert staff can assist you in selecting the medical insurance coverage that best fits your situation. We offer worldwide medical coverage or the option to exclude the US and Canada for reduced premiums.  Plans can also offer optional term life and disability coverage, special crew member return benefits and out-of-the-country legal expenses.   If you are on a yacht with recreational water sports and scuba diving, 

MHG has a plan to cover you. Do not let your dream job turn into a medical nightmare.  Life on the water can be hazardous, and in the unfortunate event of illness or injury, you need a quality plan. As a yacht crew marine insurance broker MHG Insurance Brokers offers a variety of comprehensive medical insurance plans to meet the needs of each client. Whether you are looking for crew insurance, travel insurance, or group insurance plans, MHG has solutions to fit every budget. Contact the experts at MHG to help you choose the ideal policy for your specific requirements. Contact us today at 877-278-7400 to learn more.

Yacht Crew Insurance

Hurricane season officially started June 1st, are you ready?  

 

The National Oceanic and Atmospheric Administration (NOAA) predicts a near normal 2012 Atlantic hurricane season with nine to 15 named storms, of which four to eight will strengthen to a hurricane with winds of 74mph or more and of those, one to three will become major hurricanes with top winds of 111mph or more. While these numbers are slightly below average for hurricanes for the region, it only takes one storm to make landfall for a major disaster. Are you prepared for hurricane season?  

By now you should have completed all necessary pre-hurricane season preparations, but if you haven’t, looking at your insurance policies to ensure you have adequate coverage in place would be a good place to start. It is important to know what you are covered for and what your deductible is. Are you covered for windstorm, flooding and other storm related damage? 

Many homeowners and business owners do not realize that most windstorm policies do not cover flooding, and include a 30-day waiting period before flood insurance coverage becomes effective. “When a tropical storm or hurricane threatens Florida, you can’t buy or modify coverage, so plan ahead.” suggests Laura Lieberman, General Manager of the Business Insurance Division of MHG. “Most of the carriers follow Citizens so if they have suspended binding authority, chances are the other carriers have too.” 

Take time this weekend to review your insurance coverage and get the rest of your hurricane plan in place. Don’t forget to check your shutters, generator, take pictures of the outside and inside of your property, gather important papers, place them in a plastic bag, and store in a safe place. Also, trim dead or weak branches from trees as they can become missiles. It is important to have an evacuation plan, including a family meeting spot, shelter location if needed, and to make arrangements for your family pets as not all shelters are animal friendly.   

Prepare a disaster kit.  This kit should include enough food and water for each family member for three days, a battery-powered radio and flashlights, an emergency contact list, personal hygiene items, cash (no electricity means no working ATMs) and first aid materials.  If any in your family requires regular medication make sure to include an ample supply.  

Lastly, be sure to fill up your gas tanks ahead of time as the lines at the gas station will increase as the storm nears.

MHG Insurance Brokers urges you to be ready for hurricane season. As an insurance broker, MHG works for you, our client. We research the market to find the best suited plans based upon your needs, future plans and budget requirements. Whether you are looking for commercial insurance, comprehensive health benefit plans, life insurance, travel insurance, trip cancellation insurance, or a specialty marine medical plan, speak with the insurance specialists at MHG. Contact us today at 877-278-7400 to learn more.

Get Marine Business Insurance Through Hurricane Preparation

Travel Abroad Insurance

Passports and tickets, check! Money and camera, check!  Suntan lotion, check! Travel insurance… hmm. 

 

Summer is nearly upon us and that means it is time to finalize your summer travel plans. Whether you are jetting down to the Caribbean for a little R & R, cruising the Mediterranean or conquering the Great Wall it is important to be prepared for your trip and all emergencies that could pop up. What would you do if you or a family member got a bad case of food poisoning or worse yet, were involved in a bad car accident? 

Traveling abroad can be an exciting experience; however, a medical emergency can arise at any time and the lack of appropriate insurance could expose you to serious financial liability.  The good news is that travel insurance is very affordable and easy to apply for! As your independent insurance specialists, MHG Insurance Brokers has the knowledge and expertise to provide you with plan options from several different insurance companies containing the medical benefits that you need for traveling abroad.  

Most traditional medical plans are not designed for international travel or can be difficult to use while outside your home country. With a travel insurance plan from one of our designated carriers, you and your family will have peace of mind knowing that you are prepared for your trip.

MHG offers the Atlas Travel Series, a short-term health insurance plan administered by HCC Medical Insurance Services, which provides coverage outside your home country from five days to one year. The plan includes coverage for emergency air/ground transportation to the nearest qualified hospital, hospital room and board and acute onset of a pre-existing condition among other benefits. Choose from a deductible ranging from $0 to $2,500 and maximum limits from $50,000 to $1,000,000.  

Do you know the current passport, visa, inoculation and vaccine requirements as well as travel safety advisories for the countries they will be traveling in? HCCMIS does!  

Are you planning to do some adventurous sporting activities while on vacation? Cover for most sports are automatically included! And it is no problem if you’re leaving right away, enrollment in the Atlas Travel plan is available online and same day coverage is available. 

Looking for a plan with higher coverage limits but that is still within your budget? MHG Insurance Brokers offers Patriot Platinum Travel Medical Insurance, administered by International Medical Group (IMG), provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product. Deductibles range from $0 to $25,000 and maximum limits from $1,000,000 to $8,000,000. Coverage is available for a minimum of 10 days up to three years and in addition to emergency air/ground transportation to the nearest qualified hospital and hospital room and board and many other benefits.

Patriot Platinum also includes exclusive access to IMG’s Global Concierge, a dedicated service team for providing a variety of assistance services. Patriot Platinum has an optional adventure sports rider available for all you adventurous travelers out there. Enrollment in the plan is available online and next day coverage is available. 

Before you and your loved ones head out for summer vacation, make sure you’re covered for those sudden and unexpected accidents and illnesses that could arise. 

At MHG Insurance Brokers, we are here to advise what insurance coverage is available to you no matter if you’re traveling to Paris or Phuket this summer. Whether you are looking for travel insurance, health insurance, disability income, life insurance, commercial insurance, the experts at MHG are dedicated to providing you with the advice you need in order to choose the best individual or group plan for your employees. Contact us today at 877-278-7400 to learn more or apply online.

Travel Abroad Insurance

Gear Up

Join MHG Insurance Brokers and the Marine Industry Cares Foundation as they ‘gear up’ for their 4th annual Spin-A-Thon on Friday, April 20th at Esplanade Park in Downtown Fort Lauderdale!   

 

Proceeds raised benefit Kids in Distress (KID), a leading force in the prevention of child abuse and neglect and Children’s Diagnostic & Treatment Center which promotes health and well-being of children and youth with special healthcare needs. 

The Spin-A-Thon is a fun endurance challenge and a great team-building. Take part in the action by organizing or joining a Spin-Bike Team.  Team registration is $300 to secure your spot. Upon registration, each participating company or group will assemble their own team of enthusiastic cyclists. The individual team members then are challenged to seek additional support and donations to help our charitable beneficiaries. 

Teams must keep their bikes moving for 360 minutes and are welcome to have as many riders as they wish during the event. The fun begins on Friday, April 20th at noon with registration. The spinning event will take place, rain or shine at the Esplanade Park in Downtown Fort Lauderdale from 1-7pm. We will finish the night with a networking and thank you party from 5-9pm.  

If you can ride a stationary bicycle then you can spin with us!  Marine Industry Cares Foundation is also looking for enthusiastic volunteers who are looking for a way to give back to their community while having fun.

MHG is one of the founding companies of Marine Industry Cares Foundation and is excited to see how the Spin-A-Thon has grown over the past four years.  The Spin-A-Thon started in 2009 and raised $30,000 for Kids in Distress.  The next year they doubled their donation as the 2010 Spin-A-Thon raised $60,000 for Kids in Distress.  The 2011 Spin-A-Thon raised over $100,000 for Kids in Distress. This year we have 50 individuals registered so far and over 50 teams! Team Insurance Peddlers have raised $2,150 to date, 125% of their goal of $2,000!  

It is not too late to start your own team, join a team or sponsor a rider and help make this Spin-A-Thon, the best one yet. The Marine Industry Cares Foundation is a non-profit organization that raises money and awareness for local charities. They aim to provide a brighter future for children and families in need by uniting the generous efforts of the marine industry community. 

The MICF also serves as a model for shipping industries in other cities to use and implement where they live—bringing the maritime and local communities together in cities around the world. So "gear up", invite your friends, family or co-workers and join the ride to give kids in your community a brighter and healthier future! MHG Insurance Brokers is proud to be a part of this wonderful and meaningful event. MHG is the specializes in health insurance plans designed specifically to meet the needs of marine officers, crew and contractors, expatriates, and US residents.  Whether you are looking for travel insurance, group insurance plans or business insurance, MHG has solutions to fit every budget.  

Gear Up

Float Away

Come join the fun at the 27th Annual Palm Beach International Boat Show, March 22 - 25, 2012.  This show is one of the top ten boat shows in the country; featuring more than $350 million worth of boats, yachts and accessories from the world’s leading marine manufacturers.  

 

The event includes hundreds of boats from 8 foot inflatables, power boats, fishing boats, center consoles, bow riders, personal watercraft to superyachts over 150’. Opening day is Thursday, March 22 from noon- 7pm. Mark Bononi, MGH’s Yacht Division Director, will be in attendance on Thursday.  

This international show continues on Friday and Saturday - the doors will open at 10am -7pm and the event wraps up on Sunday from 10am-6pm.  Show entrances will be located at Evernia St. /Flagler Dr. (waterfront) and North Clematis St. /Flagler Dr. (waterfront).  

Show admission is $14 for Adults and $5 for children (6-15), children under 6 are free.  There is a $2 discount for tickets purchased online. On Saturday and Sunday The Kids' Fishing Clinics, presented by Hook the Future, are open to all kids ages 4-16 and feature marine life experts teaching kids basic fishing techniques. Upon completion of all four learning stations, participating kids receive a FREE rod reel. The hands on interactive instruction will include: casting a rod and reel, how to fight a fish, selecting tackle and lures and fishing ethics.  

Registration begins at 10am Saturday & Sunday. Kids ages 4-16 must be registered and accompanied by a paid parent or guardian. But if all that isn't enough, there are at least nine more reasons to attend the Palm Beach Boat show this year: the IGFA School of Sportfishing will be hosting fourteen seminars on site with some of the area's best captains and professional anglers throughout the boat show. Now, while checking out the latest gadget or considering a new skiff, anglers will also be able to pick up hot tips and tricks from not just one or two, but nine of the most experienced fishermen on the water.  All of the sessions are free with paid admission. 

MHG Insurance Brokers provides comprehensive international medical insurance for yacht captains and crew. If you’re attending the Palm Beach Boat Show and wish to learn more about yacht crew insurance, employee benefits, life & health and business insurance, our colleague Mark Bononi, the Yacht Division Director will be walking the show.  

If you want us to stop by and visit to answer any questions you may have about your existing health plan or about purchasing health insurance, Mark can be reached on his cell phone at 305-905-2019.  Our expert staff is always available to answer your questions, contact MHG at 877-278-7400 today for all your marine insurance needs.

Float Away

MHG - We Speak Insurance

Choosing an insurance plan for your group can be intimidating; insurance has its own language. At MHG Insurance Brokers we understand the language of insurance and we understand the marine industry. We specialize in insurance plans designed specifically to meet the needs of marine employers, shipboard officers and crew, and contractors and concessionaires.  

 

Since 1991, MHG has provided insurance for the world’s top cruise line officers and crew.  MHG will help you sort through the terminology and key features to determine the best carrier and plan for you. As an employer, the health and wellbeing of your employees is a valuable asset. 

We offer a portfolio of life and health insurance solutions.  We provide major medical insurance, short term medical, life insurance and short term disability insurance, dental insurance and even supplemental insurance.  We can also provide insurance to your shore side staff. 

MHG is a full service broker and has access to all of the major US insurance carriers.  MHG works for you, our client and because every group is different, we take the time to find the right plan that fits both your budget and the needs of your group. Show your employees how valuable they are to you by providing life and disability insurance. This insurance is a valuable form of protection for you and your employees. 

Investing in group life insurance will provide an excellent fringe benefit for new and existing employees, and may be deducted from federal income tax premiums. As a business owner, it is advantageous to take care of your employees and important to protect your business. There are many different types of business coverage that a company may need such as property insurance, liability insurance, crime insurance, business interruption insurance, kidnap and ransom insurance, and workers' compensation to name a few. 

Whether you are a new business owner and are wondering what type of insurance you need or an established business looking for a more competitive option, MHG has the resources and contacts to help you obtain the correct coverage at the right price. By getting to know you, your business and your risks, we are able to secure the appropriate coverage. We are dedicated to our clients and treat them as friends and business partners. 

At MHG our commercial insurance solutions include general liability, professional liability and products liability.  General liability insurance is secured to protect the insured from the potential risks and liabilities imposed by lawsuits or similar claims that may arise out of bodily injury, property damage, or product malfunctions.

Professional liability insurance is secured to cover less tangible claims resulting from a company or a person's errors and omissions and include claims made for negligence, failure to perform and inaccurate advice. This insurance also covers perceived financial loss and violation of good faith and fair dealing. 

Is your property protected? At MHG we offer commercial property insurance to protect your property from physical damage and loss of use as well as to protect your inventory or assets against loss or damage caused by theft, an accident or other means. This coverage protects your business property even when it is not at your business. If you are leasing a building, office or retail location, you will only need to procure "contents" coverage to protect your fixtures, furniture, inventory, office equipment and supplies. 

Do you understand the Longshore Harbor Worker's Compensation Act, often referred to as USL&H?  The experienced staff at MHG do, and we can help you provide the required benefits to your employees working in the maritime industry. MHG also provides marine liability insurance for liability or property damages to a third party while engaged in marine related operations.  

If your company provides detailing service to yachts or cruise ships you need to include a Ship repairer's Legal Liability endorsement that insures liability coverage for damages to a vessel while it's in the care, custody or control of the detailer. Marinas and cruise lines require proof of appropriate insurance prior to beginning work.  

At MHG, we have multiple carriers offering packaged Marine Liability Insurance programs that are available to companies of all types of marine risks. MHG Insurance Brokers offers turnkey support and solutions for all your insurance needs. Please contact us today at 877-287-7400 for more information.

If you are attending Cruise Shipping Miami March 13th-15th at the Miami Beach Convention Center, please feel free to stop by our booth #1893 located in the Ship Services and Hotel Operations section for more information on any of the services we provide. Please join us for a glass of wine during our opening reception on Wednesday, March 14th from 2pm-5pm.  Avoid the $100 fee and register as our guest for complimentary tickets to the Exhibition Hall.

MHG - We Speak Insurance

At MHG Insurance Brokers we specialize in insurance plans designed specifically to meet the needs of marine employers, shipboard officers and crew, and contractors and concessionaires.  Because of the unique needs of individuals and groups at sea, choosing an insurance broker that understands the lifestyle and work environment is essential. 

 

Services offered by MHG can be tailored according to each employer’s needs with the secure knowledge that they are marine specific and supported by a team experienced in the marine environment. With our extensive market relationships and experience in the industry, we offer sound, independent advice as to which insurance and financial services providers and products are best suited to address the needs of individuals and employers. 

Marine insurance solutions include private international health insurance, vacation health insurance, disability income, life insurance, short-term health insurance and retirement savings plans. Here is more information on the plans we offer. 

MHG provides private international health insurance to all nationalities. Our extensive market relationships permit the design of international group medical plans that are tailored to each employer's specific philosophy and compensation needs. MHG also offers various benefit packages that can be combined for groups located in the US. 

MHG offers short-term health insurance for contractors and concessionaires which provides coverage for emergency medical treatment, emergency medical evacuation, should the local facilities be inadequate and a number of other benefits. For groups requiring coverage for employees while on vacation, we can customize a plan to fit your needs. 

Disability Income is an effective risk management tool for employers that not only enhances the value of compensation packages for employees but also provides peace of mind.  It can provide protection against loss of income in the event an employee becomes temporarily or permanently disabled while at work or on vacation. Coverage is available to groups of five or more and can be customized to fit your budget and benefit needs. With worldwide coverage for disability due to accident or sickness, these plans also allow you to select a waiting period and benefit amount while typically not requiring underwriting. 

Let MHG Insurance Brokers provide you and your employees with peace of mind.  Group life insurance offers employees comfort knowing that in the event of their death their loved ones will receive financial support for ongoing expenses, funeral arrangements or children's education. For employers, group life insurance is a cost-efficient benefit because it is highly valued by employees.

MHG's investment team is able to provide cost effective, flexible benefit retirement savings plans which will help recruit, retain and motivate staff while providing the employer with maximum value for each dollar spent. As your specialist plan manager, MHG's role would normally involve consultancy, plan design, independent brokerage, investment planning and communication, installation and administration of the plan. We also provide consultancy and plan management services for employers with existing plans. 

With over 20 years of experience focused on the welfare of crew, MHG has the knowledge to advise the cruise industry about its insurance needs.  Please contact us today at +1 954 828 1819 for more information on any of the services we provide. 

If you are attending Cruise Shipping Miami March 13th-15th at the Miami Beach Convention Center, please feel free to stop by our booth #1893 located in the Ship Services and Hotel Operations section. Join us for a glass of wine during our reception on Wednesday, March 14th from 2pm-5pm.  If you still need tickets for Cruise Shipping Miami, avoid the $100 fee and register as our guest for complimentary tickets to the Exhibition Hall.

MHG – The Cruise Industry’s Insurance Specialists

Valentine’s Day is coming up! A day of love and affection for those you hold close to your heart, whether it is your significant other, your Mom or your dog…

 

Valentine’s Day is a holiday to truly consider those you care for and give them a little something to make that day special. But despite the commercial and cliché hearts and chocolates sold at every grocery and convenience store, here are a few ideas to make that day extra special: 

Family Affair 

Make Valentine’s Day a family affair and have your children help you prepare red Jello with cinnamon hearts mixed in, mashed potatoes colored with pink food coloring, heart-shaped cookies and any other creative ways to present your Valentine's Day meal. 

The Gift of Time

Give a hand-made coupon for some work you can do to free-up some time for your spouse or parent. For example, a coupon good for cleaning Dad's garage or weeks worth of dishes for your wife. How about a coupon for your best friend - you can walk her dog or babysit one evening. 

Less Fortunate

Visit your local hospital or nursing home to pass out small Valentine surprises to the residents. They will enjoy the care and attention from something so unexpected. 

Long Distance 

Call that close Aunt that had to move away for her job or that best friend that is oversea for 6 months to let them know you miss them and are thinking of them this Valentine’s Day. Valentine’s Day can definitely seem a little silly for some people but at times it is the little things that make somebodies’ month. Make this year’s holiday count by making it an investment for those you love.

MHG Insurance Brokers offers Life Insurance that is designed with loved ones in mind and plays an important role with your overall financial plan. In the event of your death, beneficiaries can be comforted knowing that they have time to re-adjust their standard of living, can pay off debts or other expenses or provide for their children's education.

You Know What is Romantic? Taking Care of Your Family