Personal and Family protection The necessity to provide adequate protection in the event of death, critical illness or long term disability is well known to the senior directors of EFG Ashby London who have been instrumental in arranging cover for clients for over 25 years. We have processed the payment of many millions of pounds of life assurance cover and seen how essential this has been to maintain an acceptable life style for the dependents of those clients who have sadly died. In more recent years we have witnessed the benefit of critical illness cover which provides for the payment of a lump sum on the diagnosis of many of the most common critical conditions. A significant number of clients have received substantial tax free lump sum payments, to ease the financial loss and personal inconvenience (typically following cancer, a heart attack or bypass surgery). Identifying the most suitable contracts at the most competitive premiums and arranging for these to be written under the correct trust where appropriate, is an integral part of our service.