Edi Efraimov - 360° Insurance & Financial Solutions
Personal guidance and professional consulting for all your insurance and savings needs. With many years of experience and real service in the moment of truth.
Licensed insurance and finance agent | Personal service across Israel
Complete Protection for You and Your Family
Health, life, travel, and personal accident insurance - all in one place, with personal guidance and service when you need it most
Travel Insurance Abroad
Buy online or get personal help choosing cover for your destination, trip length, medical history and planned activities.
- Help choosing extensions
- Review medical cover and exclusions
- Buy on the insurer’s website
Private Health Insurance
An additional layer on top of the public basket and Shaban — for example medications outside the basket, private surgeries and certain treatments, subject to the policy terms.
- Medications outside the basket
- Private surgeries in Israel and abroad
- Subject to underwriting and policy terms
Life Insurance
Financial protection for your family. Choice between one-time coverage or monthly pension, with personal support in the most difficult moments.
- Financial protection for family
- Pension or one-time payment
- Personal support in moment of truth
Personal Accident Insurance
Daily protection for everyone. Accidents happen at any moment - on the street, at home, at work or in sports. Immediate coverage for disability and injuries.
- Compensation in case of disability
- Medical expenses coverage
- Full treatment with insurance
Pension
Financial protection for the future. Negotiating management fees, adjusting investment tracks and insurance coverage - survivors and disability.
- Reducing management fees
- Adjusting investment tracks
- Insurance coverages
All Types of Insurance
Car, apartment, business insurance and more. See all my insurance solutions in one place, with the expertise and personal support you deserve.
- Car and home insurance
- Business insurance
- Comprehensive solutions
Working with leading insurance providers
Logos and trademarks are property of their respective insurance companies and are displayed for informational purposes only.
Long-term savings, reviewed honestly
Many Israeli households hold a large share of their savings in current accounts where inflation gradually erodes purchasing power. Reviewing the alternatives is worthwhile — with a clear view of risk, costs, and time horizon.
Investment Provident Fund
Market-based savings with a choice of investment tracks. You can withdraw at any time, subject to tax on gains and processing times. Returns are not guaranteed.
- Choose a track for your goals and risk tolerance
- Full or partial withdrawal at any time, subject to tax
- Potential tax-exempt annuity from age 60, subject to conditions
Savings Policies
Savings managed by large institutional bodies across several investment tracks. Returns are market-dependent and the right track depends on your goals and time horizon.
- Several risk tracks to choose from
- Flexible terms, subject to the policy
- Track adaptation as the family situation changes
Study Fund
Medium-term savings with potential tax benefits up to the statutory ceilings, professionally managed investment tracks, and clear rules for self-employed and employees.
- Capital gains tax benefit up to the ceiling, subject to the law
- Recognised expense for self-employed within limits
- Liquid after 6 years (3 for approved uses)
Supporting Reserve Soldiers
Edi Efraimov is proud to offer special benefits to reserve soldiers and their families. It's time someone stands by your side on the civilian front too.
High-intent insurance checks
Quick entry points to the pages most clients start from — before adding a policy, taking a mortgage or replacing a car.
Mortgage insurance
What the bank requires, what you can replace and where it sometimes saves money.
Car insurance
Mandatory, third-party and comprehensive — and whether comprehensive fits your specific car.
Duplicate insurance check
Mapping your policies and Har HaBituach before adding or cancelling anything.
Family health insurance review
Shaban, private and employer cover — what complements and what duplicates.
Knowledge That Makes a Difference
Expert tips, practical guides, and answers to common questions in insurance and finance
How to Check Duplicate Insurance on Har HaBituach — A Simple Guide
Har HaBituach is the most convenient way to see which insurance policies are registered under your name in Israel. This guide explains how to log in, what you can learn from the data, and what still needs professional review before you cancel or change anything.
Pension for Employees in Israel: What Your Employer Must Deposit and What to Check on the Payslip
Mandatory pension for employees in Israel is one of the most meaningful financial rights an employee has — and one of the most overlooked. This guide explains the minimum contribution rates, how to read the pension line on a payslip, what to do if the employer is not depositing, and why withdrawing severance without a review is rarely a good idea.
Mandatory Pension for the Self-Employed in Israel: How Much to Deposit and What Happens If You Don't
Since 2017, self-employed workers in Israel are required to contribute to a pension. This guide explains the 2026 income layers and rates, the difference between a pension fund and a provident fund for annuity, what happens if you do not contribute, and what to check with an agent before year-end — without promising savings or pressuring anyone.
Free insurance portfolio checkup
A structured review of every insurance, pension and provident product. We find duplicate policies, missing coverage and high management fees — no cost, no obligation.
My Service - Professionalism and Personal Support Without Compromise
In my office I believe that the foundation for success is service and professionalism without compromise. Every client receives personal, comprehensive and transparent response - with the goal of building insurance and financial solutions that are perfectly tailored to them.
Needs Assessment and Comprehensive Review
The process begins with a joint meeting where I conduct a thorough needs assessment:
Portfolio Analysis and Recommendations
After collecting the data I perform comprehensive financial and insurance portfolio analysis:
Face-to-Face Meeting
The next step is a face-to-face meeting. Beyond presenting the analysis and recommendations, there is great importance to personal acquaintance - so the client knows who they are working with, and feels they have a listening ear and one address for any question or need.
Implementation and Close Follow-up
After making decisions together with the client, I take care to implement the actions with the relevant companies and update the client regularly regarding the status of each step.