Life Assurance

Although life assurance, personal risk cover, income protection, life cover, and dread disease cover are often perceived as ‘grudge purchases’, the risk of not adequately insuring yourself and your family can be catastrophic.

As such, this often neglected element of your financial plan is of the utmost importance.

Efficient Wealth (EFW), a division of the Efficient Group, has access to all of the major South African life assurers. This means that we can provide you with a comprehensive range of risk solutions, affording you the freedom and flexibility to choose the most relevant risk solution or cover for your unique needs.

Our Offering

  • Life cover
  • Disability cover
  • Dread disease cover
  • Income protection


  • A wide range of insurance options
  • Independent advice
  • Professional and qualified financial advisors
  • Personalised ‘breakeven’ assessments
  • An ongoing review and relationship management process