Our Financial

Nobody should be made to feel insecure about their finances. Wealth takes time to accumulate, so it’s only natural that you seek to protect it. Although we cannot accurately predict the future, this shouldn’t deter us from preparing for the worst.


In order to feel truly confident about your finances, you’ll need to create a financial protection plan that caters to your unique requirements.

Why You Might Need Financial Protection

Financial stability plays an important role in everyone’s life and there are several reasons why most people will benefit from financial protection.

  • In the event that you are no longer able to work, income protection can help you meet your financial commitments.
  • In the event that you fall critically ill, financial protection can help you ease into this difficult transition.
  • In the event that a key employee is unable to work for an extended period of time, key person assurance can finance your losses.
  • In the event of your death, protection, such as a life insurance policy, can help your loved ones mitigate the burden of your loss.

Having a flexible yet sustainable plan in place will protect you from future hardships, create a financial safety net, give you the time you need to get back on your feet, and ultimately, provide peace of mind.

Our Financial Protection Services

Financial protection is a service that can benefit all kinds of people: business owners, retirees, young professionals, and families alike. At Efficient Portfolio, we are dedicated to searching the market for the best protection plans and strategies.

We can help you create a unique strategy encompassing mortgage protection, financial protection for families, relevant life plans for business owners, key person protection or shareholder protection for business owners, as well as life and critical illness plans for individuals.

Navigating the various options at your disposal can be challenging and that’s why an advisor can help. Our services and support are ongoing, so, if your needs change, so will your bespoke plan.

Our Happy Clients

Our aim is to fulfil and exceed client expectations by offering a bespoke estate planning service. If you want to hear how we’ve done this, check out what our satisfied clients have to say…

Have a Financial Protection Question?

There are many aspects to consider when creating your financial protection plan, so it’s only natural to have a few questions along the way, which may already be answered below.

How Can I Protect My Money?

You may not be able to predict the future, but you can do everything possible to ensure your finances are protected with a combination of insurance and safeguarding strategies.

What Financial Planning Should I Consider as a Parent?

Once you start building a family, your priorities shift completely. You now have a greater responsibility to provide for your loved ones and a comprehensive life insurance policy can help ease your mind about the uncertainties of your future.

What Is Key Person Assurance?

Key person insurance or assurance is a type of insurance used to protect the key employees in your business. It ensures that your company can continue to thrive if a valuable member of staff can no longer work due to illness or death.

How Can I Protect My Income?

For many people, their income is their source of stability, but what happens when you are no longer able to work?

What Is a Relevant Life Policy?

A relevant life policy is an integral aspect of financial protection for business owners. It’s a great way for them to save money on their own insurance policies without having to put a full scheme into the workplace.

What Is Shareholder/Partnership Protection?

Partnership or shareholder protection is an agreement between shareholders that is backed by various Trusts and life assurance policies. This agreement can offer your family more options in the event of your death.

Book a chat with one of our team

The first step to achieving your goals is to discuss your concerns with a member of our team.

Our Other Financial Planning Services

At Efficient Portfolio, we pride ourselves on offering our clients a wide range of financial planning services. Financial protection planning is just the first step towards creating a financially secure future.

Retirement Planning

It’s always wise to plan ahead, especially when it comes to your retirement. A comprehensive retirement plan is the best way to ensure a stress-free and financially secure future.


Buying a home is an extremely rewarding achievement in life. To make sure you’re approaching this milestone in the best way possible, speak to an advisor that can provide you with independent mortgage advice

Estate Planning

Estate planning is the best way to ensure you leave a legacy behind for your loved ones. Your legacy, finances, and assets will be handled exactly how you envisioned, even when you are no longer here.

Investment Management

There’s no ‘one size fits all’ when it comes to investing in your future. A wealth management advisor can help create a bespoke investment plan that fulfils all your financial goals.