An average family invests thousands of shekels annually in various insurance products and investments:Pension / Executive InsuranceLife insuranceStudy fundsProvident fundsAnd more.In most cases, these products were created as a default of one kind or another: the workplace decided to deposit money for us in a study fund, the insurance agent offered a million shekel life insurance policy, and so on.The insurance industry is, on the one hand, complex and, on the other hand, rife with conflicts of interest. You meet a person for a "free" consultation, and they receive their salary from the insurance company or other entities based on their ability to sell you various products.Obviously, this is it Sales consulting As many products as possible for as many people as possible. Even when an insurance agent offers to lower the price and ensure there are no duplicates, etc., they will likely make the minimal reduction necessary to get you to switch to them, not the maximum possible reduction. The reason is simply because their commission depends on you paying more to the insurance company that pays their salary.What's wrong with work-based insurance?The situation is no better when you meet an agent sent from your workplace. Let's say you work at Elbit Systems or Amdocs. Once in a while, an insurance agent will come by, and you'll receive an email inviting you to meet them. On the company's expense. The fact that our workplace sent us to a meeting with an agent they chose gives us a feeling that this time, everything is better.That is not correct. The workplace has different considerations than you. Often, dedicating work hours to speaking with the insurance agent is part of the stipulated conditions. Between the workplace and the agent, in the negotiation of the amount of car or building insurance of the workplace.Meaning, the agent was willing to give a discount on Amdocs' building insurance (example only) in exchange for the company giving him access to all employees, knowing that he could recoup all the discount he gave the company on office insurance (and much more) from the employees' home, pension, health insurance, etc.So what is the alternativeAs with almost everything, a service provided for free likely costs much more – but with a different, hidden cost, like management fees over 30 years. We offer the opposite model. There is a known upfront cost for a consultation meeting. No product will be sold. Detail our knowledge. At the end of the consultation process, you will receive a detailed document with an action plan. We will not sell anything other than that, so you can be confident that you will receive conclusions intended to serve Only you. Objective advice?We do not offer you objective advice. There is no reason for you to receive advice that supposedly sees "both sides objectively.".Only you paid us, and therefore the advice will not be objective but entirely subjective – only your good and the good of your family are before our eyes.You deposit every month into a pension fund and/or an insurance policy, and possibly also into a study fund. You may have pension funds and study funds from previous employers. You might have opened a provident fund at some point. We will explain all of these and more.We offer a diagnostic service that will give you a complete picture of your pension products.Service outputThe service includes Report writing, in simple and clear language, explaining your retirement products:Pension fundsExecutive insuranceProvident fundsStudy fundsYou will receive an explanation On each of your products, How much money have you saved, If the product pays an annuity, we will explain. What is the pension you can expect at retirement age, what are the management fees you pay andAre they high relative to the market?, We recommend considering Unnecessary insurance In the pension fund, if applicable, you will be given an explanation as to whether a certain product can be transferred to another product and the criteria for examination. Viability of mobility And so Additional insights To the extent that they exist in your products and are relevant to you.The service will organize your pension portfolio for you and is expected Save you a lot of money.And all this is happening Without leaving the house – We will send you clear instructions regarding the documents required for the examination, and you will receive a detailed report from us via email within five business days.The service is independent. We do not receive any compensation from any entity other than you, so That our sole interest is your personal well-being only.We commit to not sharing the information we receive with any party. The data will only be used by Efficient Mortgage employees.Disclosure: The service is not provided by a licensed pension marketer/pension advisor/insurance agent/investment advisor, etc., as defined by law, and does not purport to replace a personal meeting with a professional.Cost of serviceFor an assessment of your situation and to write a report with a detailed work plan of the things you need to do, we charge:800 shekels for an individual or 1,200 shekels for a couple. All prices include VAT. Payment can be made by credit cards (except American Express) or PayPal. The service includes assistance in obtaining forms from the pension clearinghouse and from the Bituah Leumi (National Insurance) website. Click here to proceed to the payment pageSo what's the next step?To start the process, click Here To proceed to the payment page. After payment, you will be transferred to the page for filling in personal details and uploading the required documents:Pay stubAnnual Report from Study Funds and Pension FundsAnnual Report from the Pension and Managerial Insurance FundRetirement clearing reportThe Insurance Mountain ReportIf necessary We will assist you online in preparing the necessary reports Except for payslip.Click here to proceed to the payment page Here