What you can do
We understand more than ever the importance of protecting our families from the uncertainties that life can throw at us. Why do we understand this? Because, like you, it’s our most important priority as well. Keeping our families financially secure is one of the most valuable gifts you can give them.
You want to be in a position that no matter what, your family is taken care of.
That’s what we want too.
Simply put, by ensuring your life is insured enables you to leave behind money for your family when you die. You pay a monthly premium for life insurance. Your age, health, lifestyle and how much cover you need, as well as the type of policy you have, will all determine how much you pay per month.
There are a number of different life insurance plans available and we’ll help you choose the most suitable one for your personal circumstances taking into consideration your age, health, income, number of beneficiaries, their financial circumstances and many other factors, working through your options together.
Sometimes life can take an unfortunate turn with an illness that not only jolts us emotionally, but cuts short our professional working life. In such situations, a critical illness insurance policy can play a big part in ensuring that your family is looked after financially.
If premiums stop, then cover will lapse. Cover is subject to terms and conditions and may have exclusions. Definitions of illnesses vary from product provider and will be explained within the policy documentation.
You should consider an income protection plan as it will safeguard you financially for a period of time if you lose your income due to illness. Income protection usually pays out until retirement or your return to work.
Income protection pay outs are usually based on a percentage of your earnings: 50% to 70% is the norm and we will guide you through the myriad of options you may be faced with.
With the NHS struggling with long waiting lists, a private medical insurance plan may be just what you need to get treated by a doctor of your choice, within a shorter time, allowing you to have control of when and where you or your family are treated. Often, private hospitals offer a large selection of treatments from the most basic to the more specialised and can provide ongoing recovery treatments such as physiotherapy, many of which may not be readily available on the NHS. We’ll help you choose the most appropriate plan for you and your family after assessing your needs.
I thought I would take this time to write to you regarding the advice and service you provided for my wife and myself. We met, now almost twenty years ago, when you approached us on providing us with advice on investments. At the time we took out a few policies with you, two of which were relating to critical illness cover for my family. Being young, apprehensive and cautious (not to mention, we wanted to use the money for enjoying life in our twenties … what can happen to us we are healthy?!), we were reluctant about taking the life policies out, but still went ahead.
At this stage of my life, I now have three young children and need to prepare for their futures, and therefore decided to continue with the policies (with a couple of tears shed when I saw the money going out!). It is the best ever decision we made … last year, unfortunately, my wife was diagnosed with breast cancer.
When this happened, people go through a whole load of emotions, not thinking clearly, blaming, asking the question “why me” etc. She received amazing care in getting better. When she was diagnosed, we had a lot to contend with, but amongst all of it, we suddenly remembered the policy again. We contacted you, and you put Ms. Shital Gohil to work on this on our behalf, which allowed us to concentrate on my wife’s treatments and am now glad to report that she is recovering well now.
What about the policy? With your and Ms. Gohil’s help, the insurance company paid out.
Life has a thing that difficulties come in two’s, I was also diagnosed with ulcerative colitis cancer and again with the help from Duke Godley my policy matured which has made our family life a bit more secure.
So, I just want to say a big “thank-you” for suggesting the policy that suited our needs, and all the hard work you guys did for our behalf of us.
We would like to express our thanks to Rupen, for all the work he has done for us over the years. Rupen is an excellent and trusted financial advisor, who goes over and beyond in catering for our needs. He always finds the time to deal with our investments, concerns and queries; regardless of how last minute we are!
We have known Rupen for many years and he has always been up to date with his financial advice and is very patient when things need to be explained to us. The expertise and attention to detail, with which he has handled our financial affairs and also many aspects of our future, could not be faulted. He is a fair advisor, who takes into account all our current situations before returning to us with the best possible solutions.
We would highly recommend Rupen because he is very determined to keep in touch regularly to ensure that everything is still as we require financially and to update us with any changes.
But we also know that we are at the top of our game when it comes to the latest financial information, market trends and regulations. Moreover, with our years of experience in the field, we’ve learned how to find creative solutions to complex situations and we’ll tailor our approach to your unique circumstances.
Give us a call on 020 8515 1200 or email us if you’d like to discuss how we can help with your investment strategy,
whether it’s for you personally or your business.
Duke Godley Financial Services Limited is authorised and regulated by the Financial Conduct Authority
The Financial Conduct Authority does not regulate taxation and trust advice, cash flow modelling, wills and power of attorney.
We are entered on the Financial Services Register No 629938 at https://register.fca.org.uk/
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
For unbiased advice and information regarding your finances, you can rely on 'MoneyHelper', which is the FCA's consumer site.
Your capital may be at risk when investing.
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