Global Protection Plans for Individuals

The Global Protection plans are designed for expatriates and international citizens who require a well-balanced insurance portfolio for their life and work overseas. The plans will follow you across borders, so wherever you go we can provide financial security for your family at home.

A Global Life plan provides affordable life insurance cover to safeguard your family’s financial future.

Your death could leave your family or business financially vulnerable. Nothing can replace you, but money provided at the right time will ensure that your family will be financially secure without you.

The Global Life plan will help provide that financial security for the people you leave behind. If you die as a result of illness or accident before you reach age 70, your plan will pay your family a lump-sum benefit.

Plan Details

These plan details are intended as a summary only, please read the full plan details before enrolling.

  • Worldwide coverage

  • Coverage if you move countries or visit home

  • Cover remains in force even if your health deteriorates

  • Insure up to 20x your salary (up to $1,500,000)

  • Adjust your cover as your circumstances change

  • Cover for terrorist attacks

  • Cover annually renewable, available in USD, GBP or Euros

  • Cover limited to $160,000 if you are not currently working

  • Cover available for customers aged 18-64

You may increase the amount of cover you have in respect of an accident by applying for the Global Accident plan.

With this option, if you die as the result of an accident, your beneficiaries will receive your Global Life benefit plus the additional Global Accident benefit.

If you survive an accident, but lose your sight, speech or hearing, or you suffer a permanent disability, the Global Accident benefit will be paid directly to you.

Plan Details

These plan details are intended as a summary only, please read the full plan details before enrolling.

  • Worldwide coverage

  • Coverage if you move countries or visit home

  • Cover remains in force even if your health deteriorates

  • Only available with a Global Life plan

  • Apply for up to $500,000 additional accident cover

  • If you die in an accident, your family receives additioanl benefit

  • Receive lump-sum benefit if you're seriously injured

  • Sliding scale of compensation depending on the severity

  • Cover is available for customers aged 18-64

The Income Protection plan pays you a regular income if you become unable to work due to an illness or injury.

For most of us, the financial security of our family is dependent upon our ability to work and earn a regular income.

With advances in modern medicine, you are more likely to survive a serious illness than die from it, so income protection is now as important as life insurance, and an essential part of a well-balanced insurance portfolio.

When you apply for an Income Protection plan, you choose the level of cover you would need to maintain your family’s lifestyle if you were unable to work.

If you suffer an illness or injury which prevents you from working for an extended period, your plan will provide you with a regular income for as long as your illness or injury prevents you from working, right up to age 65 if necessary.

Plan Details

These plan details are intended as a summary only, please read the full plan details before enrolling.

  • Worldwide coverage

  • Coverage if you move countries or visit home

  • Cover remains in force even if your health deteriorates

  • Cover up to 75% of your salary, subject to a maximum of $144,000

  • Choice of a 3 or 6-month deferment period

  • Income replacement paid if you're unable to work

  • Income replacement paid until you're able to return to work or age 65

  • Cover for terrorist attacks

  • Cover available for customers aged 18-55, renewable to age 65

A better kind of insurance...

  • Worldwide

    Enjoy coverage even when you cross into another country or return home temporarily.

  • Peace of mind

    Once cover is in force, if your health deteriorates you will still be able to renew each year.

  • Easy to understand

    Our plans are easy to understand, and our insurance professionals are always on hand to answer any questions that you might have.

  • Fair treatment

    Our insurance professionals are knowledgable, courteous and respectful. We always put our customers first.

  • Cover for terrorism

    Provided you are not in a location the British FCO has advised its citizens to leave, the Global Life & Income Protection plans will cover you in the event of a terrorist attack.

  • Greater freedom

    Our Global Protection plans are annually renewable, so you can renew your cover for as long as you need it.

  • It's easy to apply

    You can download, complete and return an application form. Most customers can have cover in force within 24 hours.

  • Protection that lasts

    Your Global Life & Income Protection plans will provide coverage up to ages 70 age 65 respectively.

  • Portable plans

    Wherever you move to in the world, we can normally continue to offer you cover.

  • Pre-existing conditions

    Your Global Protection plan will not cover claims relating to a medical condition or injury you suffered from before your plan commenced, unless you've disclosed full details of your condition, and we have agreed to cover it.

  • 30-day money back guarantee

    If you're unhappy with anything at all, we'll refund your premium under our 30-day money back guarantee, provided you have not made a claim.

Frequently Asked Questions

How do I apply for a Global Protection plan?

You can get a quick quote by using our online quotation.

You can download an application form from our Document Library. You can print and return your completed form to sales@william-russell.com, or you can fax it to +44 1276 486466.

Do I need to have a medical?

We will advise whether you need to undergo a medical examination and/or additional tests upon receipt of your application form. If you do need a medical, you can have this done locally with any doctor who holds western qualifications and can complete the report in English.

Will I have to pay for my medicals?

Once your plan is in force, you may claim reimbursement of any medical tests we have required. The maximum amount we will refund is £325 or $520 or €520.

You can find our reimbursement form in our Document Library.

What is the maximum age limit for applications?

You must be under age 65 when you apply for a Global Life plan, and under age 55 when you apply for a Global Income Protection plan.

You can renew your Global Life plan up to age 70. Your Global Income Protection plan will cease on your 65th birthday.

Are there any countries in which a Global Protection plan does not provide cover?

Excluded countries
We cannot consider an application for a Global Protection plan if you are resident in any of the following countries or areas, or any country or region that the British Foreign & Commonwealth Office has advised its citizens to leave:

Afghanistan, Angola, Antarctica, Burundi, Central African Republic, Chechnya, Democratic Republic of Congo, East Timor, Ghana, Haiti, Indian states of Jammu, Kashmir, Punjab, Rajasthan and Gujarat, Iran, Iraq, Israel (including all Palestine Territories), Ivory Coast, Liberia, Libya, North Korea, Republic of Congo, Sierra Leone, Somalia, South Sudan, Sudan, Switzerland, Syria or Yemen.

Other restricted countries & regions
Whilst you are resident in Nigeria, there is no cover for death or disablement arising from, or as a consequence of war, terrorist attack, riots, civil unrest, and demonstrations, even if you are an innocent bystander. There is also no cover if your death or disablement arises as a consequence of murder, attempted murder, kidnap, or assault of any kind.

Temporary trips to an excluded or restricted country or region
If you are resident in a country where we can accept your application, but you travel to any of the above countries or areas (except Switzerland), or any country or area that the British Foreign & Commonwealth Office has advised its citizens to leave, your Global Protection plan will not cover you for war and terrorism, or similar type risks, or for kidnapping, assault and/or other acts of violence (even if you are an innocent bystander), during your time in that country or region.

If you are resident in a country where we can accept your application but you travel to Switzerland, your Global Protection Plan will continue to cover you fully and the above restriction on temporary trips will not apply.

How can I pay my premiums?

If you pay your premium annually, you can pay by credit or debit card, bank transfer, or cheque.

If you pay your premiums half-yearly, quarterly or monthly, you must pay by credit or debit card, or, if you are paying in GBP Sterling from a UK bank account, you can pay by direct debit.

Our plans are available in US Dollars, Sterling and Euros.

Which credit and debit cards do you accept?

We accept VISA, MasterCard, AMEX, Switch, Visa Delta, and Maestro.

Is it more cost-effective to pay monthly or annually?

You can save around 5% on your premium by paying annually.

What documents will I receive from William Russell when I take out a policy?

As soon as your plan is in force, we will send you your plan documents.

Do you cover people who are based in their country of nationality?

The Global Protection plans are designed for expatriates and international citizens who either live, or spend long periods time travelling, overseas.

For instance, if you are French and based in Paris, but you spend long periods of time travelling for work or pleasure outside of France, we will be able to offer cover.

For more information, please contact one of our insurance professionals. Send an email to sales@william-russell.com or call +44 1276 486477.

How much Global Life cover can I buy?

You may apply for life cover of up to 20 times your current annual salary. The maximum amount you can insure is $1,500,000.

If I don't work, how much life cover can I buy?

You may apply for up to $160,000 of Global Life cover.

How much Global Accident cover can I buy?

You may apply for Global Accident cover equal to, or less than, your cover under your Global Life plan. However, the maximum amount you can insure with the Global Accident plan is $500,000.

Your Global Life and Global Accident lump-sum benefits combined cannot exceed $1,500,000.

To whom is the Global Life lump-sum benefit paid in the event of my death?

When you apply for cover we will ask you to complete a beneficiary form, nominating the person or persons to whom you wish the lump-sum benefit of your plan to be paid.

For how long can I renew my Global Life plan?

You may renew your plan each year up to age 70 without having to provide any further medical evidence. That means even if you become ill, you may continue to renew your life insurance cover.

Am I covered if I ski, go bungee jumping, or go scuba diving?

There is no exclusion for recreational sports under the Global Life plan. However, there is an exclusion for hazardous sports under the Global Accident plan. So under this optional plan you would not be covered for hazardous activities such as off-piste skiing, bungee jumping, or scuba diving to a depth of more than 30 metres.

Am I covered in the event of a terrorist attack?

Yes. Provided you are an innocent bystander and you have not travelled to a country that the British Foreign & Commonwealth Office has advised its citizens to leave, the Global Life and Income Protection plans will cover you in a terrorist attack.

However, the additional accident benefit will not be paid if you die or are injured as a result of a terrorist attack.

How does the Income Protection plan work?

The Income Protection plan provides you with a regular monthly income when an illness or injury prevents you from working. Payments will start after a deferment period of three or six months. You select which deferment period you want when you apply for your plan.

What is a deferment period?

The deferment period is the continuous period of time that you must be totally unable to work at your normal occupation following an accident or illness before you can start to claim under your Income Protection plan. No replacement income is payable in respect of your disablement during this initial period. You can select a deferment period of 3 months, if you want to keep your premium lower, you can select 6 months.

How much income protection can I apply for?

You may apply for annual income cover of up to 75% of your annual salary, subject to a maximum amount of $144,000.

Is commission considered as being part of my salary?

Yes. We will take into account 50% of your commission earnings over the previous 12 months when we calculate your pre-disability income.

What if I'm self-employed?

You can still apply for cover. In the event of a claim we will ask you to provide evidence from your accountant of the income you received from your business during the 12 months prior to your disability.

Is the Income Protection plan inflation-proof?

Once your income replacement payments commence, they will increase by 2% compound each year.

When do income replacement payments start?

If you suffer an illness or injury that prevents you from working at your own occupation for longer than your deferment period, you can start claiming your replacement income.

How much income replacement will I receive?

The income replacement you receive will be the amount of cover you have insured, provided this is not more than 75% of the gross annual salary you were earning at the time of your disability, less any other income you are entitled to receive whilst you are disabled.

How is the income replacement paid?

Once we have accepted your claim, we will start paying your income replacement monthly in arrears.

For how long is the income replacement paid?

We will continue to pay your income replacement for up to 24 months whilst you remain totally unable to return to your own occupation for medical reasons.

What information do I need to provide to make a claim?

We will ask you to complete a disability claim form and to provide evidence of your date of birth. We will also ask you to provide a medical report from your doctor, together with a letter from your employer confirming the date you last worked, and your salary on this date.

If you are self-employed, we will ask for statements from your accountant to confirm your earnings. If your earnings fluctuate, we will take an average of your last three years worth of earnings.

When we have received all the information we need, we will assess your claim, and provided we are satisfied that you are unable to return to work due to your disability, we will start to pay your monthly income replacement benefit.

What happens if I can return to part-time work?

If, during the first 24 months of your income replacement, you are able to return to work on a part-time basis, you may be eligible to claim a rehabilitation benefit. A rehabilitation benefit can be paid for up to six months whilst you are recovering sufficiently to resume full-time work.

What happens after I have received income replacement for 24 months?

After we have paid your income replacement for 24 months, we will continue to pay whilst you are totally unable to return to any occupation to which you are suited by education, experience or training. If you are able to return to a different occupation to which you are suited, even if it is less well-paid, your income replacement will cease. Payments automatically cease when you reach age 65, or upon death.

Who can certify my passport and utility bills?

Your banker, lawyer, a serving police officer, an embassy official, chartered accountant, notary public, medical doctor, or your intermediary/insurance broker (provided he or she holds an intermediary agreement with William Russell Limited). They must certify that they've met you, that the photograph is a true likeness, and that the photocopy is a copy of the original document. The notary must sign over an official stamp and print their full name, address, and occupation.

What if my occupation is not 100% office-based?

If your occupation is not 100% office-based you must provide us with a full job description. We will review your application and special terms may apply.