On A Warm Sea of Love by Bess McBride

Hailey Saunders accompanies her beloved matchmaking sister, Megan, on a cruise to the beautiful and exotic Caribbean...something she’s avoided for a long time...ever since her young husband, Zach, was lost off a fishing trawler in the Bering Sea during a storm.
At first, Hailey cried daily for months, then weekly for a year, but now she doesn’t cry at all. Why? Because Zach returned to her...or at least, his ghost did. His voice remains her constant companion, allowing her to avoid the pain of real life...of falling in love with someone else.
A flirtatious but ineligible Scots ship's officer, Alan Campbell, has his eye on Hailey as does the handsome and mysterious European, Karl de Groot. Megan is ready to make a match for her sister, but Zach finds it hard to let his wife go...or is it Hailey who refuses to say goodbye? Three men want her...only one can have her!