June 2006

WILLIAM RUSSELL INTRODUCE MORATORIUM UNDERWRITING ON CORPORATE SCHEMES

We are pleased to announce that with immediate effect we can offer moratorium underwriting on NEW corporate Global Health plans with 5 or more employees.

This will greatly simplify the administration of corporate Global Health plans as there will be no need for any health declarations. Please note that existing schemes that are fully underwritten will remain so.

Moratorium underwriting can apply for COMPULSORY, COMPANY-PAID groups of 5 – 19 employees.

For groups with more than 19 employees, we can also quote on the basis of CONTINUED PERSONAL MEDICAL EXCLUSIONS or MEDICAL HISTORY DISREGARDED. To enable us to quote on either basis, we will need a full group census, confirmation of the present insurer and current benefits, and full claims experience for the past three years.

GROUP LIFE, LONG TERM DISABILITY AND CRITICAL ILLNESS INSURANCE

We can also quote competitive terms for GROUP LIFE, LONG TERM DISABILITY and CRITICAL ILLNESS cover for companies with 5 or more employees. Please note that due to local licensing issues we are not able to quote Critical Illness terms for companies in China, Hong Kong and Singapore.

We can however, quote Group Life and Long Term Disability in these countries.

FAST EFFICIENT GROUP QUOTATION SERVICE

For quotations for ALL corporate plans, please contact Matt Gale in the UK matthew.gale@william-russell.com or Alexa Trout in Hong Kong alexa.trout@william-russell.com