Your Global Life application questions answered

Who can certify my passport?

Your passport must be certified by your intermediary (provided he or she holds an intermediary agreement with William Russell Limited), or by a banker, lawyer, serving police officer, embassy official, chartered accountant, notary public or medical doctor.

They must certify that they have met you, that the photograph is a true likeness, and that the photocopy is a copy of the original document.

The certifier must sign over an official stamp and print their full name, address and occupation.

What if I have a PO Box address?

The purpose of having to provide a utility bill or statement is as proof of your address. If your utility bill or statements are addressed to a PO Box, please provide a letter from your employer certifying that you are an employee of the company and your address. If you are self-employed we can accept a letter from your accountant or banker.

Can you accept faxed application forms?

We can no longer accept faxed application forms, but if you wish to continue to fax application forms to us, we can confirm our underwriting requirements based on the faxed copy. However, no cover will be granted without us having received the original application form.

What if my occupation is not 100% office based?

Your occupation must be non-hazardous. If your occupation is not 100% office based you must provide us with a full job description. Depending upon the risk your occupation poses, we reserve the right to decline to offer cover, or to accept your application subject to an increased premium and/or special terms.


What about pre-existing conditions?

The Global Life plan will not pay benefit in respect of a claim you make for a pre-existing condition. A pre existing medical condition is any medical condition or related condition that existed, or that ever required treatment, medication or advice from a medical doctor or medical practitioner, or that was diagnosed, or that you knew about, or should reasonably have known existed whether or not a medical doctor or medical practitioner had been consulted, or for which symptoms first appeared, prior to the commencement date of your Global Life plan.

What are the medical requirements and do I have to pay for my medicals?

The application form asks questions about your medical history. It is important that you make a full and accurate declaration about your medical history.

When we receive your application form, copy passport and utility bill/bank statement, we will send you a letter confirming the medical requirements, if any.

If a medical is required, we will send you the necessary forms. You can arrange to have your medical examination done locally provided the doctor holds western qualifications and can complete the report in English. Once your Global Life plan is in force you may claim reimbursement of any medical tests we have required. The maximum amount we can refund is £325 or $520 or €520. Reimbursement is also limited to reasonable and customary charges we would expect to pay in your particular location.

What happens after I have submitted my medicals?

Once we have received all the medical evidence we require, we will assess your application and, if we accept it, we will issue an Acceptance Terms invoice which will advise you of the terms at which we can accept your application.
We may impose special terms if there are medical reasons for doing so, or we may decline to accept your application. We may also load our standard premium rate if there are reasons to do so.

Once we have issued our Acceptance Terms invoice you have 60 days in which to pay the premium. If your state of health changes in any way between completing your application form and the commencement date of your cover you must tell us. Any medical condition arising during that time will not be covered by your Global Life plan.