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William Russell William Russell

International insurance plans for your life abroad

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Health plans

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Life plans

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The WHO has declared the coronavirus outbreak a pandemic. Find out how you’re covered. Service for members is unaffected.

Global expat life insurance plans

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Our global Life Plan is designed for expats who wish to ensure the people and things that matter the most are taken care of, should the worst happen. We constantly strive to improve our products and introduced key new features to our Life Cover for 2018. You can take out cover up to 20x your salary to a maximum of $2m (5x salary for groups).

Plans are available in US Dollars, GB Sterling and Euros.

Reduced rates, increased benefits

We have increased our maximum limit of cover from $1.5m to a maximum of $2m as of 2018. And with the option to add up to $500k Accident Benefit, we are helping you create greater peace of mind that the future of your loved ones is secured, and their lifestyle protected. If you are aged 18-54 with no claims, you may qualify for lower rates

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Terminal illness cover

If you are diagnosed with a terminal illness reducing your life expectancy to 12 months or less, we will pay your life benefit early. That leaves you free to manage your estate during your lifetime, and enjoy your time with your friends and family with the peace of mind that your lifestyle is secure.

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It's easy to apply

We will advise you of any medical requirements when we receive your application; normally, if you’re in good health, under age 50, and applying for life cover of less than US$750,000, we won’t require you to undertake a medical examination.

If you are aged 18-54 with no claims, you may qualify for lower rates and for under 40s, rate reductions of up to 30% are available compared to 2018 rates.

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Health Insurance Daily Ranking

Our updated Life policy has received recognition with an 8/10 rating from Health Insurance & Protection Daily.

See the full review

Our plans and benefits

 

Our global Life Cover provides affordable life insurance to safeguard you and your family and you can choose to add Accident Benefit for extra peace of mind, should you wish.

The prices below are illustrative of our rates for individuals.

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

Global Life Plan

From US$7 a month

Example price for a 20 year old wishing to secure US$100,000 cover

From US$15 a month

Example price for a 40 year old wishing to secure US$100,000 cover

  • Insure up to 20x your salary up to US$2,000,000 (limited to 5 x for group policies)
  • Portable worldwide coverage (with the exception of excluded countries)
  • Cover available for customers aged 18-69
  • Terminal illness cover: early payment of the life benefit upon diagnosis where the prognosis is 12 months or less
  • Cover available for individuals and groups
Life quote Download plan agreement PDF ↓

Optional Accident Benefit

From US$14 a month

Example price for an 18-69 year old wishing to secure US$100,000 cover

  • Up to US$500,000 additional accident cover
  • Portable worldwide coverage (with the exception of excluded countries)
  • Only available when bought with a global Life Cover policy
  • Our Accident Benefit will pay a cash benefit to your beneficiaries if you die as the result of an accident. Or, if you suffer a permanent disability, the benefit will be paid to you.
  • Cover available for individuals and groups
Life & Acc. Benefit quote Download plan agreement PDF ↓

 

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 death, terminal illness, or accidental bodily injury 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 types of cover and add-ons?

Or you can get in touch direct:

+44 1276 486477
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