Meet Kenneth R. Dougall
Kenneth R. Dougall is the founder of KRD Financial. Supported by a strong team, he focuses on clear, practical advice that starts with listening - what you want to protect, who relies on you, and how your budget works. Clients value his straight‑talking style and the fact that recommendations are explained in plain English before any decisions are made.
Kenneth works with families, first‑time buyers, contractors, company directors and small businesses. Typical areas of focus include life insurance, critical illness cover, income protection and family income benefit, as well as business protection such as shareholder cover, key person insurance and relevant life plans. From quick sense‑check conversations to full market research and claim support, his aim is to make protection feel simple and dependable.
What to expect
- Friendly initial chat to understand your needs
- Whole‑of‑market research and clear recommendations
- Help with applications and renewals
- Ongoing support whenever your circumstances change
In association with industry networks
KRD Financial operates in association with and as a representative of Personal Touch and PRIMIS.
Please confirm the exact regulatory wording you require (e.g., Appointed Representative status, principal firm and FCA FRN) and we will update this section accordingly.
Services we offer
Personal Protection
We review your dependants, debts and monthly commitments, then tailor cover to real life rather than a headline number. Options include level or decreasing term and family income benefit, with choices for single or joint life, index‑linking to keep pace with inflation and waiver of premium so cover can continue if you’re off work. We can also place the policy in trust so money reaches the right people quickly and in line with your wishes.
Private Medical Insurance
Fast access to diagnostics and treatment, private rooms and flexible hospital lists. We compare in‑/out‑patient cover, mental health and therapies, optional dental/optical, excess levels and add‑ons so you can balance benefits with budget. We’ll explain underwriting types (moratorium vs full medical), switching from an existing plan, and useful extras such as virtual GP services.
Private Medical Insurance for sports clubs and players
Bespoke PMI for squads, academies and individual athletes. Plans can be set up for club‑paid groups or individuals, with cover for common training and match injuries, quicker access to scans and surgery, and structured rehabilitation/physiotherapy pathways. We coordinate requirements with coaching and medical staff to help players return safely and sooner.
Mortgage Support
Protection designed around how your mortgage is repaid. We look at decreasing term for repayment mortgages, level term for interest‑only, and when to add critical illness cover. We can align start dates with completions, review at remortgage, and work alongside your mortgage broker. Pairing with income protection can help safeguard affordability during long‑term illness.
Income Protection
Pays a monthly benefit if illness or injury stops you from doing your own job. We tailor the deferred period to match employer sick pay, choose claim length (short‑term or to retirement), and set an appropriate benefit level (typically up to a percentage of earnings). Index‑linking keeps benefits in line with inflation, and many plans include rehabilitation and return‑to‑work support.
Critical Illness Cover
A lump sum on diagnosis of specified serious conditions - to relieve financial pressure during treatment or recovery. We compare what each insurer actually covers (definitions vary), whether partial payments are included for less severe conditions, and options such as children’s cover or enhanced critical‑illness benefits. We’ll flag any survivability periods and exclusions in plain English.
Life Insurance
Financial security for those you leave behind. Choose between level term, decreasing term or family income benefit (regular payments instead of a lump sum). We’ll discuss single vs joint life (first or second death), set a sensible term and benefit, and can write the policy in trust so proceeds reach beneficiaries quickly and tax‑efficiently.
MetLife Accident Cover
MetLife Accident Cover provides 24/7 financial protection against unexpected injuries, hospital stays, or accidental death. It pays cash benefits directly to you to help cover costs like medical bills, lost income, or recovery expenses - on top of your regular health insurance. With flexible levels of cover, optional extras such as child or active lifestyle protection, and worldwide coverage, it helps safeguard you and your family from the financial impact of life’s sudden accidents.
Insurers we work with
We compare policies and benefits from a broad panel of leading UK insurers. Here are some of the brands our clients may access:
Logos are for illustrative purposes to show the types of insurers we may work with. Availability depends on your circumstances. We’ll confirm the exact panel before any recommendation.
We invest back into our community
Local sport
We’re proud supporters of East Kilbride FC and local boxing clubs. Our support isn’t just a badge on a kit - we contribute to equipment, youth initiatives and community events so more people can access sport, feel welcome and thrive.
- Backing youth and grassroots programmes and tournaments
- Contributions to kit and training equipment
- Practical guidance on wellbeing and appropriate cover for athletes
Care & charity
We work closely with Lanarkshire Cancer Care Trust, helping neighbours facing tough times to access practical support. We fundraise, volunteer and raise awareness - because compassion and consistency matter when families need it most.
- Fundraising and awareness activities through the year
- Volunteering time and skills on local initiatives
- Friendly, no‑obligation guidance clinics when invited
If your club or charity would like to discuss support or a local initiative, get in touch. We’re always happy to chat.
Let’s talk
Find us
18 Dale Court, Wishaw, ML2 0DW
Phone: 01698 269 600
Email: info@krdfinancial-ltd.net