A key cornerstone in any business achieving their ‘Life Plan™’, goals and aspirations is to protect these goals so they can still be achieved even if subjected to - loss of key personnel/directors/shareholder/partners, loss of income, long term illness, diagnosis of a specified serious illness or death.

Our ‘Life Plan™’ service looks closely at the interaction between business objectives, duration of objectives, savings & investment goals and outcomes of events such as losing income and the effects this could have in achieving aspirations…..

Protection or life assurance can be commonly found and used to protect an individuals mortgage, family, income, liabilities, against inheritance tax, funeral planning, medical or health expenses etc.

Protection insurance can also be used in business as a means of tax and business planning.  Common solutions we provide for business owners include but not limited to :-

  • Business Continuity - Generate income or lump sums to replace key people in the event of death, or long term illness.

  • Partner or Director Protection – generate capital so families can buy out any business ownership and enable all parties minimal disturbance from all angles.

  • Group benefit schemes for various sections of the workforce.


There has been much innovation recently in the protection market and Opes™ Financial with whole of market access are able to offer access to as comprehensive and unique products that are available in the market place without compromise.


Call today, email us or complete our enquiry form and take advantage of our no cost, no obligation initial review service !

Opes™ Independent Financial Advisers Ltd, trading as Opes™ Financial is registered in England and Wales no. 10441148. Registered office, Opes House, Head Office, 178 Lancaster Road, Carnforth, LA5 9EF. Vat no 256693074.


Authorised and regulated by the Financial Conduct Authority. Opes Independent Financial Advisers Ltd is entered on the Financial Services Register under reference 763693.

The Financial Conduct Authority does not regulate taxation and trust advice or some forms of buy-to-let mortgages.

The quidance and/or information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.  Where information in any form is provided via this website referring to a third party or where a link to a third party website is provided we cannot be held responsible for the accuracy of such information or the content of any external website(s).

Where communicating with us initially online you should never send any sensitive information to us via conventional email unencrypted.  Sensitive information to or from us will/should only be sent securely via our 'Client Portal'.  We arrange registration on our Client Portal following completion of our enquiry form.  Therefore we cannot be held responsible for issues or consequences in this area where sensitive data is sent to us unsecurely or unencrypted.


If you wish to register a complaint, please write to us at the address above or email us at


A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 0234 567.

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