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adviceAs insurance brokers we are here to help! Part of that assistance is our expert advice that we provide. So we thought it would be a great idea to ask our employees, “What is one piece of advice you would give your clients?” 

 

Mark Bononi- Director, Luxury Yacht Division 

Generally speaking, you get what you pay for. Typically, health insurance that has a lower cost will not have the same amount of coverage as one that costs more. If you are looking for health insurance that fits you best but you have a budget, seek advice from someone who knows what they’re talking about, and is experienced on the matter. 

Edward “Mole” Telfer- Director, Cruise Division 

Providing a solid employee benefits package can be the key to attracting and retaining the industry’s best employees. Use a “Rolling Benefits Strategy” to build up your benefits over time. 

Janine Jeffries- Director, Business Insurance Division

Give your agent a complete picture of the business and description of operations. Each business has unique attributes. The more your broker knows, or has a better understanding, the better we can do our job. Also, be sure to ask questions. You would be surprised how many needs are uncovered during a Q&A session with your broker. 

Stephen Beck- Manager, Life & Health Division

I would advise our clients to not WORRY about “What if?” but to ASK about the cost of insuring themselves against each “What if?” that concerns them. Just ask, “How can I protect myself in the event of a ________________?” We have the answer. 

Joanna Drysdale- Manager, Underwriting Services 

In our field, insurance isn’t just about protecting yourself against financial loss or covering your contractual obligations. It’s also about showing your employees that they’re valuable to you. Hanging on to a great bunch of crew season after season is worth so much more than the savings you make by skimping on crew benefits.

JW Haagensen- Account Executive, Inside Sales 

Disclose all current and past medical conditions when applying for insurance. Insurance enrollment forms are a contract and if you fail to reveal a portion of your medical history or provide incomplete information, the insurance company could cancel your policy. No matter how minor it may seem, it’s important to advise your entire medical history and keep a file.

Steve Jackson- Consultant, Yacht Division

Find an insurance broker who really knows their field. Having an understanding of the real life of a captain and his crew as well as the technical knowledge of the insurance industry is invaluable. 

Clayton Swart- Manager, Business Development 

Whether you’re purchasing group insurance for your employees, insurance for your business or an individual plan for you and your family, it’s important to understand your policy. I know that insurance documents can be boring, but it’s really important that you read through them to make sure you understand the benefits and limitations of the plan. If you find anything confusing, it’s better to address those points before you need to use the plan.

MHG is here to help and provide assistance with all of your insurance needs. Whether you are looking for marine crew insurance, health insurance, life insurance, travel insurance, expatriate insurance or insurance for your business, we have the experience and knowledge to help you find the right policy. Please contact us at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. Let our insurance specialists find you, your family, or group, the best insurance available for your budget.

If You Could Give One Piece of Advice to Your Clients, What Would It Be?

Jeff Martin Fort Lauderdale (May 11, 2015) – MHG Insurance Brokers announced today that Jeff Martin has joined the company as a Programmer. Martin will focus his efforts on streamlining certain administrative tasks in the company’s Customer Relationship Management system in addition to building customized client web portals and landing pages. Martin has had an award winning career, spanning over 20 years. Prior to MHG, Martin worked for multiple insurance carriers in addition to consulting work.


“Jeff has a wealth of experience in numerous programming languages and applications” said Kevin Knorr, IT Director at MHG Insurance Brokers. “As MHG continues to grow along with our IT needs, it’s good to have his capabilities in-house.”

MHG Insurance Brokers has had the pleasure of providing insurance advice and solutions to thousands of clients around the world. As MHG approaches its 25th year, the company continues to evolve and grow with the changing and diverse needs of clients, both on land and 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    

MHG Insurance Brokers Hires Jeff Martin as a Programmer

MHG and VIKAND Part Ways

MHG Insurance BrokersFORT LAUDERDALE, FLORIDA (April 10, 2015) – MHG Services, Inc. today announced that it has sold its holdings in VIKAND to Peter Hult, President of VIKAND, effective March 31st, 2015. Hult has simultaneously given up all responsibilities within the MHG Group of companies, including his position as Executive Vice President at MHG Services, Inc. and as a Director of MHG Associates Ltd. MHG founding partners, Andrew Dudzinski, Chairman and CEO, and John Haagensen, President, continue to lead MHG together with a key management team while Dr. Bill Heymann, Medical Director of VIKAND, and Hult have become the majority shareholders of VIKAND. 

 

“The decision to separate the companies was a difficult one to make” said MHG Chairman and CEO, Andrew Dudzinski. “MHG and VIKAND are both rapidly growing and in order for both companies to continue to expand, we found it necessary to spin-off VIKAND from MHG’s insurance business. We are very pleased to have played a key role as founders in the creation and development of VIKAND and wish Peter and his team great success.”

“I am very excited to embark on this path and for VIKAND to continue to develop new medical services” said VIKAND President, Peter Hult. “At the same time, I am leaving with some sadness after having worked closely with Andrew, John and MHG since 2002. We will continue to have a close relationship with MHG and support each other’s operations, common clients and business partners.” 

MHG has been providing insurance advice and solutions to the marine and aviation industries, international and local business groups and individuals since 1991 and has offices in Fort Lauderdale, Houston, Isle of Man, Hamburg and the Cote d’Azur. 

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.

About VIKAND 

VIKAND is the leading provider of medical management and consulting services to the cruise industry and today provides consulting, management, medical equipment calibration and audit contracts to almost 60 cruise ships globally. VIKAND’s services range from full management of medical facilities to individual consulting and services modules, including formulary and bio-medical equipment management, Pre-Employment Medical Examination advice and support, marine employee wellness programs, Public Heath support and regulatory guidance. VIKAND’s team has extensive experience in the medical field, as well as the marine industry. VIKAND offers flexible medical services tailored to the clients’ unique requirements, managed by a world-class, medical team who offer a 24/7 on-call service to clients. For more information about VIKAND and the services they provide, please visit vikand.com.

MHG and VIKAND Part Ways

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

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?

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

New Year's ResolutionAs the clock starts to count down, the New Year is almost here. The countdown can also signify the end of the holiday season. With that comes many people wanting to start the New Year on the right track. Maybe set goals and standards to help assure that this New Year will be better than the previous. Many make New Year’s Resolutions, and most fail to keep them. Whether it’s to lose weight, quit smoking, save money, many people have forgotten their resolutions by the time February comes. So instead of worrying about what to put on your New Year’s Resolution list, worry about how to make that list a long-term reality.     

 

Pick One Thing 

When making a New Year’s Resolution, try not to “fluff” it up with little things that you would like to change in your life, instead, pick one thing. Pick something that is important, maybe something that needs to change that is affecting your health or relationships. It is easier to focus on one item at a time rather than having several different things or habits you are trying to change. Also, you will be able to put all your time and energy into it, which will increase your chances of being successful. If you are doing well after a couple months, then add something else to the list. With this strategy, you can have a whole new you by the end of the year! 

Plan Ahead 

After you have selected your resolution, start planning ahead. Make a schedule, and start thinking of how you are going to make this change, and different things you can do to be successful. For example, if your resolution is to lose weight, start planning your workout routine and meals, etc. With a well thought schedule and strategy, it is easier to stick to it rather than waiting to see what comes up. Also, do your research! Read up on it, see what different techniques and tips there are, and see what would work best for you. 

Expect Problems 

Problems will always arise, they are just a part of life. So if something comes up that ruins your routine, try and start back fresh the next day. However, to make sure that there are as few issues as possible, think of all the problems that can come up ahead of time, and how you will deal with them.

Accept Failure

Many times, New Year’s Resolutions are created to break existing habits. They say it takes about three weeks to break a habit or create a new one. So expect to fail or have a setback. If you sneak a cigarette one day, it isn’t the end of the world, it is only part of the process. So, don’t give up! Learn from the failure, figure out what triggers caused the setback, and try to avoid them in the future. 

Reward Yourself

Resolution ListThe best incentive for hard work is reward. We go to work every day to be rewarded with a pay check. We try to get healthy and lose weight to be rewarded for looking and feeling better. However, sometimes hard work can leave you with no rewards to see. Which is why it is important to reward yourself, especially through those tough first weeks. Start with little rewards in the beginning, and as you achieve your goals, make the rewards fewer and farther between. Then at the end of the year, give yourself an anniversary reward such as a nice vacation or gift. Something that you will look forward to and will keep you motivated!

MHG Insurance Brokers would like to wish you, your family, and loved ones a very Happy and Healthy New Year. In order to ensure that the upcoming year is a healthy one, make sure you have the proper insurance coverage today by calling +1 954 828 1819 or +44 (0) 1624 678668 or visit mhginsurance.com for more information. Our insurance specialists have the experience to advise and assist you in selecting the best plan for you, your family, and your business.

5 Tips on How to Make a Successful New Year’s Resolution

Holiday Travel TipsIt’s the Holiday Season! Many people pack their bags and head to the airport, drive cross country, even get on a cruise. The offices are closed, businesses aren’t as busy (except for retail of course), and people want to take a break from the stress of the daily grind, to relax and get ready for the year to come. And there are those who travel to see their family, friends, and loved ones. It really is a busy time of year for the travel industry, and if you aren’t an experienced traveler, you could face some headaches of your own trying get to where you’re going through all of the craziness. Where will you be traveling? Are you traveling to a family holiday, or a nice getaway? Please comment below, as we would like to share some travel tips to help make your travels this holiday season as stress-free as possible. 

 

Book Early 

Not many people start thinking about their holiday travel plans in June, however, if you want the best price, then it’s time to start planning ahead! Airline prices typically increase at a slower rate, going up and down narrowly from June to November. But, once November comes along, prices skyrocket. Travelers waiting to book their tickets in November and December can pay up to 50% more for their ticket than at any other time of year! 

Try Different Airports and Airlines 

When booking a flight, try to include multiple airports in your area, as well as in your destination city. Some airlines have different flight times at different airports, so you may be able to find a flight that better matches your schedule. Also include different airlines to see the different times and prices. You may find a flight that is a lot cheaper, and get a better deal by keeping your options open. 

Pack Light

Airlines are becoming increasingly strict when it comes to luggage. With checked bag allowances, weight limits, packing light could save you time and money. You also won’t have to wait for your luggage on a conveyor belt, battling a crowd of 100 people. Plus, if you are driving a long distance, you could get better gas mileage as well, since your vehicle may be lighter. Are you bringing presents with you? Purchase gifts online and have them shipped to your destination to cut down on luggage. 

Leave Early 

Don’t be in a rush when dealing with crowded airports. There is only one speed, slow. So give yourself enough time. Bring some reading material or something to keep your mind busy in the event of long lines or weather delays. Even de-icing the plane can take up to an hour. 

Have your car checked 

The last thing you need when driving across the country, is your car to break down. It’s enough of a nuisance to have your car fall apart when you are home, but when you are in the middle of nowhere, with no one nearby, it could quickly turn into a nightmare. Have your oil checked, tires, brakes, etc. It’s always good to pack a winter safety kit in the event you do break down. It could be hours before help arrives, so make sure you have blankets, flashlights, water, food, etc. 

Travel Early in the Day 

When traveling by airplane, flights that leave earlier in the day are less likely to be delayed or late. Also, if your flight does happen to be delayed or cancelled, you will have time to book a flight for later that day, rather than having to wait until tomorrow, and having to find a hotel nearby to stay the night.

Take a deep Breath! 

Traveling can be overwhelming, especially when you have the kids, grandparents, and a whole ton of luggage to look after. So just take a deep breath, and try to remember that this is the time of year to be happy and cheerful. A delayed flight, or traffic jam will pass, enjoy the time while you can!

Traveling Internationally?

If you are traveling abroad for the holidays, don’t forget to secure your trip with travel insurance. Unexpected events can happen at any time, complicating even the most meticulously scheduled travel plans. An allergic reaction, broken bone, sprained ankle, food poisoning, or other mishaps can turn a fun, relaxing trip, into a nightmare of hassles. Get proper coverage so you can fully enjoy your holidays, stress-free!

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.  

Save Time and Money with these Holiday Travel Tips

ACA Open Enrollment Deadlines

It is the goal of MHG Insurance Brokers to regularly inform and keep clients up to speed regarding the latest news and information associated with the ACA (Affordable Care Act). The ACA is now in effect for 2014, and its core goals are to provide Americans with improved quality health care, health plans that are more affordable, and access to comprehensive health coverage to those who would have previously been denied coverage before the act was put into place. 

The ACA provides consumers with a choice – something that didn’t exist in the world of healthcare in the United States until now. Whether you were deemed ‘uninsurable’ do to preexisting health conditions, or were simply stuck paying inflated premiums with no other alternatives available to your family, all of that has changed now - you, the consumer, are in the driver’s seat. MHG Insurance Brokers wants to help you take control of your health. There has been quite a bit of chatter in the media about enrollment deadlines and penalties for not having health insurance. MHG Insurance Brokers would like to share the following current and accurate information regarding the open enrollment period with you:

  • Open enrollment for ACA health coverage runs through March 31, 2014.
  • The deadline to enroll is the 15th of each month, in order for coverage to become effective on the 1st day of the following month. For example, if you enroll for coverage by January 15th, your coverage will begin on February 1st. If you enroll by February 15th, your coverage will start March 1st.
  • Those who enroll by March 31st, but not by March 15th , will have an effective coverage date of May 1st.
  • During this open enrollment period, you may also make changes to your existing plan if you don’t find it to be adequate or are not satisfied with it.
  • Penalties for exceeding 3 consecutive months without health coverage have been waived by the Administration, but only during this open enrollment period.
  • After the open enrollment period has ended, changes cannot be made to existing plans until the next open enrollment period begins, unless there is a life changing event, such as a marriage, divorce, loss of employment, birth or adoption of a child.
MHG has extensive knowledge and expertise in health reform. We also have the experience and network of resources to provide you with the very best, solid, comprehensive health coverage available that suits your healthcare needs and works with your budget. It is crucial to have a trusted insurance broker like MHG to work with to help you navigate through all of the new regulations, perplexing terminology, and health plan options.  Let us provide you with the tools and knowledge you need in order to make an educated choice regarding your health care. 

MHG Insurance Brokers will also walk you through the enrollment process, which is vital especially if you are purchasing coverage for the first time, whether you are a young adult, or someone who has lost access to health benefits through your employer. If you already have health insurance, contact us and speak with a specialist who will assist you in comparing your existing plan to the new ACA plans that are available. This can help you determine which plan would be most advantageous to you and your family. They will examine the cost comparisons and identify the differences in coverages offered between each of the plans. Contact MHG Insurance Brokers today online at mhginsurance.com or call 954-760-9033 and take control of your family’s health today!

What You Should know about Affordable Care Act Open Enrollment Deadlines