Protecting your family and your most prized possessions is the most important decision you will make.

Life & Critical Illness Insurance

If your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then you probably do want life insurance, since it will help provide for your family in the event of your death.

If you’re young – or even not so young but still healthy – life insurance is very good value. Often just a few pence a day is all you need to provide your loved ones with plenty of financial protection.

Critical illness cover, also referred to as critical illness insurance, is a long-term insurance policy where you’ll get a tax-free ‘lump sum’ – a one-off payment – if you’re diagnosed with one of the serious illnesses covered by your insurance policy. It’s designed to pay off your mortgage, debts, or pay for alterations to your home such as wheelchair access should you need it.

Critical illness cover could be a good choice for you if:

  • You don’t have savings to tide you over if you were seriously ill
  • You don’t have a good employee benefits package to cover a period of time off work due to sickness

Both Life and Critical Illness cover are designed to provide you with peace of mind. We recommend our customers to consider both life and critical illness cover so that if the worst was to happen you will receive a lump sum of money that will help you financially during very difficult times.

We work with a panel of providers that will allow us provide you with the most cost effective protection options according your needs. Please contact us to find out more.

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Income Protection

Income protection insurance is a long-term insurance policy designed to support you if you can’t work because you’re ill or injured.

How it works:

  • It replaces part of your income if you can’t work for a certain period because you’re ill or disabled
  • It pays out until you can start working again or until you retire or you reach the end of the policy term whichever is sooner
  • There’s a waiting period before the payments start. You generally set payments to start after your sick pay ends, or after any other insurance stops covering you. The longer you wait, the lower the premiums

Why is Income Protection important?

  • It doesn’t matter whether or not you have children or other dependents. If illness would mean you could not afford your monthly commitments, you should consider income protection insurance
  • You’re most likely to need it if you’re self-employed or employed and you don’t have sick pay to fall back on
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Home Insurance - Building Insurance

If you own your own home, you’ll need to have buildings cover just in case your home is damaged and needs  repair. It’s usually a condition of your mortgage and, if you’re a landlord, it’s your responsibility – not your tenants. 

If you own a leasehold flat, the building may be insured by the freehold owner. Your solicitor will be able to advise you if your lease means you have to take out buildings insurance.

Even when it’s not your responsibility to take out buildings cover, you’ll probably be paying the premiums through your service charge. If you live in a flat where the leaseholders have clubbed together to buy a share of the freehold from the landlord then you may have to arrange buildings cover.

You can do this individually, but it might be cheaper and easier to get together with people in the other flats and take out a block policy to cover you all.

Buildings insurance is a policy which covers damage to the structure of your home such as the walls, roof and floors..

It usually covers damage to fixtures and fittings too. So if you’ve got a fitted kitchen or bathroom, your insurance is likely to pay for any repairs you need. It covers the cost of repairing or rebuilding your home if it’s damaged. Policies vary from one insurer to another in exactly what events you’re covered for, but generally speaking, you’ll be able to claim if your home is damaged by:

  • Natural events such as storms and floods 
  • Fire, smoke, explosions 
  • Vandalism 
  • Subsidence 
  • Car and lorry collisions 
  • Falling trees 
  • Water damage from leaking pipes 
  • Oil leaking from your heating system

Depending on the type of policy you get, it may also cover other structures around the home such as garages, fences, outside walls and driveways.

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Home Insurance - Contents Insurance

What would you do if you lost everything in your home? Buying everything again would cost a fortune so contents insurance is vital if you’re going to cover yourself for unexpected events like a burglary or a fire.

All your personal belongings – in other words anything not physically attached to the building – will usually be covered for loss or damage, including: 

  • ‍Furniture
  • Electrical goods 
  • Clothing 
  • Jewellery 

Different policies offer different levels of cover but generally you’ll be covered against theft, fire and flood. ‘Accidental damage cover’ is usually optional so don’t assume it’s included in your policy. ‘Personal possessions cover’ is another optional extra. This will cover items you take outside your home like cameras, jewellery, laptops and briefcases. 

Some insurance policies will also cover you when you go abroad so if you lose or damage your possessions while you’re away, you’ll be able to claim for them on your contents insurance. This is usually an optional extra which you pay a higher premium for. 

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Family Income Benefit

Family Income Benefit will pay out a chosen monthly tax free benefit in the event of a claim. It's aim is to help protect you and your family from the financial consequences of serious ill health or death during the benefit term.

Key Product Features

How it works:

  • Family income benefit pays out a monthly income until the end of the benefit term if the insured person either dies or is diagnosed with a terminal illness, that meets our definition, during the benefit term.
  • Critical illness family income benefit pays out a monthly income until the end of the benefit term if the insured person is diagnosed with a critical illness that meets one of our critical illness definitions and then survives for at least 14 days. 
  • Life with critical illness family income benefit pays out a monthly income until the end of the benefit term if the insured person dies or is diagnosed with a critical illness that meets one of our critical illness definitions..
  • FIB can be used as protection for a number of reasons including maintenance payments.
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After educating us how trusts worked, Mesa assisted us by moving our existing policies in to trust and making them a lot more valuable for the beneficiaries. They worked excellently with our solicitor through the whole process.
Mrs C Hardy, Richmond

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