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About William Russell

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Global expat income protection plans

Our global Income Protection cover is designed for international citizens who wish to safeguard their lifestyle, in the event of incapacity to work due to an illness or injury.

You’re in charge

You decide the amount of cover that is right for you, up to 75% of your salary (subject to US$144,000 limit) and choose a three or six month deferment period. Apply up to age 55 and once your cover is in place you may continue to renew it each year until you reach age 70, even if your health deteriorates.

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Simple, honest and affordable

To us, it is not just about the right amount of cover. We make sure it’s easy to apply for, and should the worst happen, you'll have a dedicated advisor to handle your claim. Income benefit will be paid until you are able to return to work, age 65 or death, whichever comes sooner.

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Flexibility and fair treatment

That’s the promise we make to our customers. We’ve built our reputation on it, and it’s the reason customers join us and renew with us, year after year. You will always get quick and honest answers and our cover is portable so it can follow you almost anywhere in the world.

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Our plan benefits

Our global Income Protection plan provides affordable cover to safeguard you and your family, in the event you are unable to work due to an illness or injury.

These prices are illustrative of cover for individuals.

Cover is also available as corporate plans for groups of three or more employees – to discuss an income protection group policy, please call and speak to our dedicated group team today.

Please note that pre-existing medical conditions and related conditions are not covered by our plans, unless you have told us about them and we have agreed to cover them.  

We cannot provide cover if you are living in Iran, North Korea, Libya, South Sudan, Syria, Switzerland, Yemen, USA, Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Chad, Cote d’Ivoire (Ivory Coast), Equatorial Guinea, Gabon, Guinea, Mali, Niger, Senegal or Togo. 

If you are in a country or region that the British Foreign & Commonwealth Office has advised its citizens to leave, or has advised against all travel to, or all but essential travel to, you will not be covered for disablement arising as a result of war, terrorism, kidnap, murder, assault or other act of violence, even if you are an innocent bystander.

Talk to an expert

We want to make sure you get the best cover for you. Why not let one of our experts call you back at a time that suits you to talk through our plans and optional benefits?

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Customers in over 160 countries have relied on us since 1992. How can we help you?

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