Our verdict: 9.7/10
Efani is the only service we compared that treats a SIM swap as a security incident to be prevented rather than a customer-service request to be processed. The layered authentication, the 14-day port-out cooling-off period and the $5 million coverage together make it the strongest protection available to people whose phone number guards real money, accounts or reputation. It costs more than an ordinary plan, and it should: it is not built for the mass market.
At a glance
- Plan
- SAFE Plan
- Price
- $99/month or $999/year
- SIM swap coverage
- Up to $5 million
- Authentication
- 11-layer protocol
- Port-out safeguard
- Mandatory 14-day cooling-off period
- Data
- Unlimited talk, text and data in the U.S., Canada and Mexico; 40 GB priority data
- Contract
- None; 60-day money-back guarantee
- Networks
- Your choice of two top U.S. networks (excluding T-Mobile)
Key security features
- 11-layer proprietary client authentication protocol for any account change
- Mandatory 14-day cooling-off period as a last line of defense before a number can be ported out
- Up to $5 million in coverage for losses caused by a SIM swap
- Unlimited talk, text and data across the U.S., Canada and Mexico
- Global high-speed data, hotspot and Wi-Fi calling, optional dual eSIM
- No contract, no activation or shipping fee, 60-day money-back guarantee
- Optional Black Seal Protection: VPN, encrypted DNS, malicious-site filtering, Wi-Fi security and mobile number scanning
Pros and cons
What we like
- The deepest SIM swap defense we found: 11 authentication layers plus a 14-day port-out cooling-off period
- The only provider in our ranking that puts a dollar figure, up to $5 million, behind its protection
- Built for high-risk people: executives, investors, influencers, government and enterprise teams
- Keeps working when you travel, with global high-speed data and your U.S. number abroad
- No contract and a 60-day, 100% money-back guarantee
What to weigh
- Priced well above mass-market plans
- Priority data is 40 GB a month; speeds may slow after that (premium plans with up to 200 GB are available)
- Does not sell or finance phones, so you bring an unlocked device
- Black Seal Protection is invitation-only
Score breakdown
| Criterion | Weight | Score |
|---|---|---|
| SIM swap defense | 25% | 10/10 |
| Port-out protection | 20% | 10/10 |
| Loss coverage | 15% | 10/10 |
| Privacy & data handling | 15% | 9/10 |
| Network & travel | 10% | 9/10 |
| Support | 10% | 10/10 |
| Value for the risk | 5% | 9/10 |
| Overall | 100% | 9.7/10 |
Scores follow our published methodology.
How Efani stops a SIM swap
Most SIM swaps succeed because a carrier employee can be talked into moving a number. Efani is designed so that a convincing story is not enough.
1. An 11-layer authentication protocol
Every sensitive change to an Efani account goes through Efani's proprietary 11-layer client authentication protocol. It is designed so that the personal details a mass-market carrier often asks for, the kind leaked in data breaches every year, are not enough to take control of your line.
2. A mandatory 14-day cooling-off period
If someone does request to port your number out, a mandatory 14-day cooling-off period stands between the request and the transfer. That is the last line of defense: two weeks in which you will notice, and can stop it.
3. Up to $5 million in SIM swap coverage
Efani backs its protection with a policy covering up to $5 million in losses caused by a SIM swap. None of the other services we ranked publishes anything similar.
Black Seal Protection. For people who want protection beyond the number itself, Efani offers Black Seal, an invitation-only platform with a VPN, encrypted DNS, malicious and custom filtering, Wi-Fi network security and mobile number scanning.
Plans and pricing
The SAFE Plan costs $99 a month or $999 a year. Both include unlimited talk, text and data across North America, global high-speed data, manual network selection, optional dual eSIM, hotspot and Wi-Fi calling, and the ability to keep your U.S. number while abroad. There is no contract and no activation or shipping fee, and every plan comes with a 60-day, 100% money-back guarantee.
Priority data is 40 GB a month, after which speeds may slow; premium plans with up to 200 GB of high-speed data are available. Add-ons include Apple Watch and iPad lines, unlimited global calling and a hotspot dongle.
Coverage and switching
Efani runs on your choice of two top U.S. networks (excluding T-Mobile), so coverage and LTE/5G speeds match those networks. You keep your number: Efani ports it over, including from a corporate or family plan with the account holder's authorization. Efani doesn't sell or finance phones, so bring an unlocked device.
Who Efani is for
Efani is built for executives, entrepreneurs, crypto investors, influencers and anyone else whose phone number is a gateway to money, identity or reputation. It also offers corporate plans for teams. If losing your number for a day would cost you more than a year of service, Efani is the plan we recommend.
Other services we ranked
- #2 Cape — 7.6/10, best for privacy
- #3 Verizon — 6.0/10, best mass-market carrier
- #4 AT&T — 5.8/10, solid account lock
- #5 T-Mobile — 5.5/10, basic protection