Here's my test class.  API Version 20.0

@isTest
public class TestMHIns {
	
    static testMethod void myUnitTest() {
		Profile pf = [SELECT Id FROM profile WHERE name='System Administrator'];

    	User u1 = new User (LastName='User1', alias='User1', email='user1@user.com', username='WFuser1@user.com', profileid = pf.Id, 
    				emailencodingkey='UTF-8', languagelocalekey='en_US', timezonesidkey='America/Chicago', localesidkey='en_US');
		insert u1;

		Id rtAcctCarrier = [Select Id From RecordType where sObjectType='Account' and Name='Carrier' and isActive=true].Id;
		Id rtAcctCompany = [Select Id From RecordType where sObjectType='Account' and Name='Company' and isActive=true].Id;
		Id rtAcctAgency = [Select Id From RecordType where sObjectType='Account' and Name='Agency' and isActive=true].Id;
		Id rtContCarrier = [Select Id From RecordType where sObjectType='Contact' and Name='Carrier Contact' and isActive=true].Id;
		Id rtContEmployee = [Select Id From RecordType where sObjectType='Contact' and Name='Employee Contact' and isActive=true].Id;
		Id rtContAgent = [Select Id From RecordType where sObjectType='Contact' and Name='Agent Contact' and isActive=true].Id;

        // Create test records
        Account a1 = new Account (Name='Carrier', RecordTypeId=rtAcctCarrier);
		Account a2 = new Account (Name='Company', RecordTypeId=rtAcctCompany);
		Account a3 = new Account (Name='Agency', RecordTypeId=rtAcctAgency);
		Account[] a = new Account[] {a1, a2, a3};
		insert a;
		
        Plan__c pl1 = new Plan__c (Name='code1', Plan_Name__c='codeName1');
        Plan__c pl2 = new Plan__c (Name='code2', Plan_Name__c='codeName2');
        Plan__c[] pl = new Plan__c[] {pl1, pl2};
        insert pl;
        
        Locations__c l1 = new Locations__c (Name='location1', Location_Name__c='locationName1', District__c='district1', Account__c=a1.id, Agent_s_User_Id__c=u1.Id);
        Locations__c l2 = new Locations__c (Name='location2', Location_Name__c='locationName2', District__c='district2', Account__c=a2.id, Agent_s_User_Id__c=u1.Id);
        Locations__c[] l = new Locations__c[] {l1, l2};
        insert l;
        
		Contact c1 = new Contact (AccountId = a1.Id, lastName='Contact', email='contact@contact.com', RecordTypeId=rtContCarrier);
		Contact c2 = new Contact (AccountId = a2.Id, lastName='Employee', email='employee@employee.com', SSN__c='1Contact1', Location_Number__c='location2', RecordTypeId=rtContEmployee);
		Contact c3 = new Contact (AccountId = a3.Id, lastName='Agent', email='agent@agent.com', Agent_Number__c='1Agent1', RecordTypeId=rtContAgent);
		Contact c4 = new Contact (AccountId = a2.Id, lastName='Employee2', SSN__c='2Contact2', Location_Number__c='location2');
		Contact[] c = new Contact[] {c1, c2, c3, c4};
		insert c;   
        
		Policy__c p1 = new Policy__c (Name='Policy1', Carrier__c = a1.Id, Agent_Number__c = '1Agent1', Employee_SSN__c='1Contact1', Plan_Code__c='code1');
		Policy__c p2 = new Policy__c (Name='Policy2', Carrier__c = a1.Id, Agent__c = c3.Id, Employee_SSN__c='1Contact1', Plan_Code__c='code2');
		Policy__c[] p = new Policy__c[] {p1, p2};
		insert p;
		
		Deductions__c d1 = new Deductions__c (Name='deduction1', Employee_SSN__c='1Contact1');
		Deductions__c d2 = new Deductions__c (Name='deduction2', Employee_SSN__c='1Contact1');
		Deductions__c[] d = new Deductions__c[] {d1, d2};
		insert d;
		
		
        // Test the results
		string iTest1 = (string)[Select Employee__c From Policy__c where Id=: p1.Id].Employee__c;
		system.debug('====================  iTest1 = ' + iTest1);
		system.assertEquals(c2.Id, iTest1);
        
		string iTest2 = (string)[Select Plan_Name__c From Policy__c where Id=: p1.Id].Plan_Name__c;
		system.debug('====================  iTest2 = ' + iTest2);
		system.assertEquals('codeName1', iTest2);
        
		string iTest3 = (string)[Select Location_Name__c From Contact where Id=: c2.Id].Location_Name__c;
		system.debug('====================  iTest3 = ' + iTest3);
		system.assertEquals('locationName2', iTest3);
        
		string iTest4 = (string)[Select Employee__c From Deductions__c where Id=: d1.Id].Employee__c;
		system.debug('====================  iTest4 = ' + iTest4);
		system.assertEquals(c2.Id, iTest4);
        
		string iTest5 = (string)[Select Agent__c From Policy__c where Id=: p1.Id].Agent__c;
		system.debug('====================  iTest5 = ' + iTest5);
		system.assertEquals(c3.Id, iTest5);
    }
}