$headers .= "Content-Type: text/html; charset=UTF-8rn";

<?php
$dbhost = 'localhost';
$dbuser = '###';
$dbpass = '###';
$dbname = '###';

$conn = mysql_connect($dbhost, $dbuser, $dbpass);
if(!$conn) {
die('Failed to connect to server: ' . mysql_error());
}
mysql_select_db($dbname);

$sql="SELECT Insured_Name,Expiry_Date FROM transactions
WHERE MONTH(Expiry_Date) = MONTH(CURDATE()) and YEAR(Expiry_Date) = YEAR(CURDATE())";
$result = mysql_query($sql)or die("Cannot query orders_products data" . mysql_error());



$email = "###############";
$emailto = "############";
$subject = "List of policies to expire this month";
$headers .= "MIME-Version: 1.0rn";
$headers .= "Content-Type: text/html; charset=UTF-8rn";

$headers = "From: $email";

// prepare email body text
$body .= "Here Are A List Of policies to expire this monthnn";
$body .= "<a href='expired.php'>Download complete list</a>nn";
$body .='<table width="200" border="1">';
$body .='<tr>';
 $body .='<td>Insured name</td>';
    $body .='<td>Expiry date</td>';
  $body .='</tr>';


while($row=mysql_fetch_array($result)) {
$body .='<tr>';
 $body .='<td>'.$row['Insured_Name'] .'</td>';
 $body .='<td>'.$row['Expiry_Date'] .'</td>';

  $body .='</tr>';

}
$body .='</table>';
$body .= "This is an automated mail from the KBL insurance portalnn";
// send email
$send = mail($emailto, $subject, $body, $headers);

mysql_close($conn);

// redirect to success page

?>