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When your life insurance renews annually, the last thing you want is to keep going through medical underwriting. With a guaranteed option to renew, your life insurance rolls over without you needing to provide new medical information.
Caryn Greenhough
New Business Team Manager
International life insurance policies with William Russell include a guaranteed option to renew, which means your policy can renew automatically without you needing to submit new medical details.
Your life insurance policy will always roll over into the next year unless you tell us otherwise, until you reach the maximum age limit for your benefit.
With William Russell, your life insurance policy lasts for 12 months at a time and always includes a guaranteed option to renew.
At the end of your policy year:
Your life insurance premiums are age‑based, so your premium may increase each year as you get older.
We’ll always let you know about any changes in advance of your renewal date. However, if you renew your policy continuously, we won’t charge you more as a result of any changes to your medical circumstances.
Better yet, if you stay with us continuously, you can continue to renew your policy with us until you reach 74 years old (so long as you started your policy before your 61st birthday – otherwise the maximum age is 69).
Bear in mind that if you leave William Russell, even temporarily, or fail to pay your premium, we won’t be able to offer you the benefits that come with continuity of membership. You may need to undergo a medical assessment when you rejoin us, which could impact your premiums.
The biggest advantage of a guaranteed option to renew is the continuity of your insurance.
No need to worry about when and how to renew – your policy simply rolls over into the next year.
You won’t need to undergo a new medical assessment each year.
If you become sick or injured during your policy, this won’t impact you at renewal.
When your life insurance rolls over, you won’t need to undergo any medical assessments.
This is true even if you were ill or injured during your last year’s policy, and it means your next year’s insurance won’t be impacted by your change in medical circumstances.
A guaranteed option to renew is a standard feature of your policy with William Russell, to help make renewing your cover as straightforward as possible.
When your policy is nearing its end, you’re not required to renew with the same provider. You’re free to compare other policies if you’re looking to reduce your premium, adjust your level of cover, or switch providers.
But if you are happy with William Russell, your guaranteed option to renew is a great feature to have. It offers ease and convenience, plus the total peace of mind that you’ll always be covered by your international life insurance.
As an expat, you’ll find the guaranteed option to renew especially beneficial if you are:
A guaranteed option to renew is a great option to have, but you are still free to apply for a new policy if you wish. Let’s look at how the two options compare:
Feature
Guaranteed option to renew
Reapplying for a policy
Still got questions about your guaranteed option to renew? You’ll find answers to the most common questions below, but for anything else, feel free to get in touch and speak to our team.
Our guaranteed option to renew provides continuity and peace of mind by helping you maintain cover year after year, without needing to reapply or provide updated medical information.
Yes. One of the key advantages of annually renewable life insurance is that you can review your cover each year and adjust it to reflect your current needs, with a guaranteed option to renew each year subject to the policy terms.
For example, you might choose to:
This flexibility helps you avoid paying for cover you no longer need, while reducing the risk of being underinsured as your circumstances change.
Yes, your policy will automatically roll over into the next policy year, providing the premiums are paid or unless you tells us you no longer wish to continue cover.
No. You won’t need to submit new medical information each year when renewing under the guaranteed option to renew.
You must be 69 or younger when you take out your international life insurance policy.
You can renew your policy each year up to and including the policy year in which you turn 74 (or age 69 if your policy started after your 61st birthday).
Your cover will then end at the next renewal date after your 75th birthday (or after your 70th birthday if your policy started after your 61st birthday).
Yes. One of the key benefits of a guaranteed option to renew is that changes to your health during the policy term will not affect your ability to renew, provided you continue to meet the policy terms and age limits.
This means you will not need to complete new medical underwriting each year simply because your health circumstances have changed.
Yes. You can choose to cancel or not continue your policy at renewal.
Simply let us know by email before your renewal date, and we’ll confirm once we’ve received your instructions.
Our international life insurance will not cover you for:
There are some other exclusions that you should be aware of, so it’s important to read the terms and conditions before you purchase a life insurance policy. You can find full details of what our plans cover (and what they don’t cover) in our plan agreements.
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9:00am – 5:00pm
6:00am – 6:00pm
8:00am – 5:30pm
The quickest way to reach us is by email.
We show the benefits on this webpage in US dollars, but we can also denominate your policy in pounds sterling or Euros. You won’t find complete information for our plans on this webpage, nor the full T&Cs, limitations, and exclusions that would apply if you purchase a life insurance policy. You can find complete information in the plan agreement, which we suggest you read together with this webpage. We work hard to ensure the information we provide on this webpage is accurate and up-to-date, but inaccuracies are possible. We rectify errors as soon as we become aware of them. The T&Cs that apply to your policy are those found in your plan agreement.
At William Russell, we have over 30 years’ experience of providing international life insurance exclusively for expats like you. Become a member today to enjoy worldwide coverage, giving you total peace of mind wherever you move to live and work.
Joe Holden Global Relationship Manager
If you’re ready to see prices for life insurance, click on ‘Get a Quote’ below to head on over to our online quote tool.
We’ll ask you a few details (your age, your location), and then we’ll show you prices—it only takes a few minutes!
A couple of days after you’ve received you quote, Joe will email or call you to find out how we can help you further. Joe won’t bug you, and you can opt out at any time.
It’s filled with handy information and tips for expats.
We were one of the first insurance providers to cover people living abroad, and we’ve earned a reputation for our wonderful customer service.
The insurer behind our policies is part of the Allianz group
We’re proud of our award-winning service and our members rate it highly
You will get your own dedicated adviser when you join
If you’re not happy with your life insurance policy or the service we provide, and you haven’t yet made a claim, then we’ll refund the premium you’ve paid—no questions asked.
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