Do you need to make changes to your Global Life insurance plan?
If you need to make any changes to your Global Life plan, please contact us or read on for further information.
During UK working hours
Tel: + 44 1276 486455
Fax: + 44 1276 486466
customer.service@william-russell.com
Changes in your occupation
You must inform us immediately if you change your occupation or the tasks and duties within that occupation. If you change your occupation we may cancel your cover, or increase your premium, or reduce your benefit or make your cover subject to special terms.
Changing your address and country of residence
You must tell us if you change your address and if you change your country of residence. Please complete our change of address form and send to us. Your country of residence is the country in which you are habitually resident.
Excluded countries and regions
If you change your country of residence to an excluded country or region, you must inform us immediately and your cover may cease. Excluded countries are any of the following countries or areas, or any country or region that the British Foreign Office has advised its citizens to leave:
Afghanistan, Algeria, Angola, Antarctica, Burundi, Chechnya, Colombia, Democratic Republic of Congo, Republic of Congo, East Timor, Ghana, Haiti, Indian states of Jammu and Kashmir, Iran, Iraq, Israel (including Palestinian Territories), Ivory Coast, Liberia, Libya, North Korea, Sierra Leone, Somalia, South Sudan, Sudan, Syria and Yemen.
We are also unable to cover you if you become resident in Switzerland or Netherlands although we can cover you for temporary trips into either of these countries provided you are resident elsewhere.
Continuing your cover when you return to your home country
If you return to your home country, you may continue to renew your cover provided that the local laws in your home country permit you to do so, and provided that we are permitted to offer cover in that country. We reserve the right to refuse to offer cover in certain countries.
Your home country is the country of which you hold a passport as submitted to us at the time of your application.
Applying for an increase in benefit
You may apply for an increase in benefit at any time by completing a new application form.
Upon receipt of your application form, we will advise you of our medical requirements to underwrite the increase in benefit you require. Any increase in benefit must be within the maximum benefit limits. When we have received sufficient information about your health, your occupation and any hazardous activities you take part in, we will assess your application.
If your state of health has changed since your original application, we may impose a medical premium loading, and/or a specific medical exclusion in respect of the additional benefit.
If you have changed your occupation and/or location, or if you have taken up a previously un-declared hazardous activity, we may impose a premium loading and/or exclusion in respect of your WHOLE Global Life and Accident Benefit (and not just the amount of the increase).
If we decide to accept your application for an increase in benefit, we will issue a premium invoice that will state the terms upon which your application has been accepted, and the premium required to put your cover into force. You must pay this additional premium within 30 days of the date of our invoice. Provided we receive payment of your invoice within 30 days, we will commence your additional benefit from the date of our invoice, subject to there having been no change in your state of health.
If we have not received payment within 30 days, your application for additional benefit will be cancelled and you will have to re-apply.
Changes in your state of health between signing your application form for an increase in benefit and paying your premium
If your health changes in any way between the time you complete and sign your application form and the date on which we receive your premium and commence your cover, you must disclose this change to us and provide us with full information about your state of health.
We reserve the right to alter our acceptance terms or withdraw them completely if there is a change in your state of health during this period.
Claiming reimbursement of your medical fees relating to an increase in cover
To obtain reimbursement of the cost of any medical examination and/or tests we have specifically requested, please complete the reimbursement of medical fees form and return it to us, together with the original, receipted bills for the tests you have had. Provided we receive your application form and the original receipted bills within two months of your increased cover going into force, we will reimburse you, up to a maximum amount of £325 or $520 or €520 depending upon the currency of your plan.
We will only pay reasonable and customary charges which means that if the cost of your medical examination and/or medical tests is more than we would reasonably have expected to pay in your location, we will only pay the amount which is customarily charged and you will have to pay the rest.
Provided you have given us full and complete instructions as to where to send the reimbursement, reimbursement will be made by us direct to your bank account after we have received your payment of the additional premium as invoiced by us. If you pay your premiums semi-annually, quarterly or monthly, reimbursement will be made direct to your bank account after your increased benefit has been in full force for a full 6 month period.
If you do not proceed with the applied-for increase in benefit we will not reimburse your medical fees, even if the reason you do not proceed is because we have accepted your application for an increased benefit subject to special terms and/or a premium loading. However if we decline to increase your benefit due to medical reasons, we will reimburse your medical fees in accordance with the above limits.
If you cancel your Global Life plan within 12 months of increasing your benefit, we shall deduct any reimbursement we have made to you in respect of medical fees, from your premium refund.
We will not reimburse any bills received by us more than two months after your Global Life plan increase in cover commences.
Reducing your benefit
You may reduce your benefit at any time by giving us your instructions in writing.
Cancelling your plan
You may cancel your plan after it has been in force for a full six month period. After that, upon receipt of your written instruction that you wish to cancel your plan a pro-rata refund of your premium will be refunded to you, less any bank charges we incur in making the premium refund to your account. If you decide to cancel your plan within the first 12 months, (or within 12 months of an increase in benefit), we will deduct the amount of any medical fees reimbursement we have made to you from your premium refund.