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

Our ‘Life Plan™’ service looks closely at the interaction between 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.


Common solutions we provide for clients include but not limited to :-

  • Reviewing existing cover and benefits for competitiveness.

  • Providing cover to generate a lump to meet a future income goal in the event a savings strategy cannot be met due to death, serious illness of ill health.

  • Ensuring all liabilities are repaid in the event of death, serious illness or long term illness or injury.

  • Provide income for families reliant on household expenditure being covered by one family member, without which household bills could not be paid.

  • Providing funds to cover a families inheritance tax liability.

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.

Why not take a look at our brochure and wider support material via our Info & Brochures website page.

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.

  • LinkedIn - White Circle
  • Google+ - White Circle
  • YouTube - White Circle
© Copyright 2020 Opes™ Independent Financial Advisers Ltd. All rights reserved.

Created By Acutus Financial Solutions Ltd