Protection Insurance

Secure peace of mind with protection insurance

We offer a range of protection insurance services for your personal and business needs. Because we know that every client is unique, we work with you to create customised solutions that suit your goals and circumstances. Whether you need life insurance, income protection, critical illness cover, or any other type of protection, we have the expertise and experience to guide you through the process of crafting protection policies that give you peace of mind.

Personal Protection

| LIFE INSURANCE

EFS offers exceptional Life Insurance products, ensuring your family's protection in the event of your death. With access to a wide range of offerings from top providers and the expertise of our Financial Advisors, we are dedicated to helping you choose the best product tailored to your specific needs and offering essential benefits.

| INCOME PROTECTION

INCOME PROTECTION

Consider the impact of job loss, company closure, or inability to work due to injury or illness on your family's well-being and monthly expenses. Plan for these potential challenges with our leading Income Protection cover, designed to safeguard your income and protect against stress and disruption.

| CRITICAL ILLNESS

CRITICAL ILLNESS

Critical illness cover is an integral component of personal protection insurance. It guarantees financial support for your loved ones in the event of a severe illness. EFS experts specialise in arranging customised critical illness cover to safeguard dependents in the face of serious health challenges.

| INHERITANCE TAX PLANNING

INHERITANCE TAX PLANNING

Referred to as 'a tax for those who don't plan', inheritance tax (IHT) has the potential to significantly diminish the value of your estate. When the estate surpasses £325,000, identified as the inheritance tax threshold or 'Nil Rate Band,' any amount exceeding this limit may be subject to a 40% tax rate. For numerous individuals, mere homeownership may be enough to surpass this threshold.

| MORTGAGE PROTECTION

MORTGAGE PROTECTION

A mortgage life insurance policy is designed to provide financial security to your loved ones should you die, by paying out a lump sum to clear your home loan. It tends to be sold as a ‘decreasing term’ policy, which means that the pay-out will reduce over time as you pay off your mortgage.

Business Protection

| SHAREHOLDER PROTECTION

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| KEYPERSON COVER

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| RELEVANT LIFE COVER

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| BUSINESS LOAN PROTECTION

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| Personal Protection

| Business Protection

| Group Cover

| Group Income Protection

| Group Critical Illness

| Personal Health Insurance

| Business Health Insurance

| Will Writing

| Trust Planning

| Lasting Powers of Attorney

| Business Succession Planning

| Personal Protection

| Business Protection

| Group Cover

| Group Income Protection

| Group Critical Illness

| Personal Health Insurance

| Business Health Insurance

| Will Writing

| Trust Planning

| Lasting Powers of Attorney

| Business Succession Planning

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