Life & income protection

The Global Protection plans are ideal for international citizens who wish to safeguard the financial future of their family or business.

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The William Russell difference

To us, you’re a valued customer, not a potential claimant or just a policy number. From your first contact with William Russell, you’ll deal with a named advisor, each one an expert in a dedicated team. We know the importance of having someone who understands your policy, needs, and circumstances at the other end of the line, 24 hours a day. Service is everything to us and we commit to providing our customers with personal support when they need it.

Life & income protection for the international citizen

The Global Protection plans are ideal for international citizens who wish to safeguard the financial future of their family or business.

LIFE

A Global Life plan provides affordable life insurance cover to safeguard your family.

ACCIDENT BENEFIT

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

INCOME PROTECTION

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

Insure up to 20x your salary up to $1,500,000 (limited to 5x for group policies) Up to $500,000 additional accident cover Cover up to 75% of your salary, subject to a maximum of $144,000
Portable worldwide coverage Only available when bought with a Global Life plan Choice of a 3 or 6-month deferment period
Cover available for customers aged 18-69 If you die in an accident, your family receives additional benefit Income replacement paid if you're unable to work due to accident or illness
Annual cover you can adjust as your circumstances change Receive lump-sum benefit if you're seriously injured Income replacement paid until you're able to return to work,age 65 or death, whichever comes sooner
Life Accident Benefit Income Protection

Click on the plan details links above to learn more about the cover provided on each level of cover

Please note: Pre-existing medical conditions and related conditions are excluded.

Excluded countries
We cannot consider an application for a global life insurance or income 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, Benin, 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.

The William Russell promise

Flexibility, fair treatment and a fast response. 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. From your first contact with William Russell, you’ll deal with a named advisor, each one an expert in a dedicated team. No call centres, no catches – that’s another promise.

We’re here to help you, not catch you out. We don’t believe in baffling our customers with small print or jargon.

Once your cover is in place you may continue to renew it each year until you reach age 70 (65 for Income protection), even if your health deteriorates.

When you move countries, your Global Protection plan will provide cover wherever you go.

What to do next

Call or email our expert team to find the right plan for you and your family. If you’ve found the plan you want and would like to request a quote, or want to arrange for one of our advisers to call you back, select the right option from the buttons below.

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FAQs

  • 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 recognised qualifications and can complete the report in English.

  • Will I have to pay for my medicals?

    Yes however, 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 69 when you apply for a global life insurance plan, and under age 55 when you apply for an income protection plan.

    You can renew your global life insurance plan up to age 70. Your 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 life insurance or income 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, Benin, 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 life insurance or income 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 life insurance or income 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 in installments or annually?

    You can save around 3-5% on your premium by paying annually.

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

    As soon as your plan is in force, we will e-mail your certificate of insurance to you.

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

    The global life insurance and income 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 insurance 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 insurance cover.

  • How much accident benefit can I buy?

    You may apply for accident benefit equal to, or less than, your cover under your global life insurance plan. However, the maximum amount you can insure with the accident plan is $500,000.

    Your global life insurance and accident lump-sum benefits combined cannot exceed $1,500,000.

  • To whom is the global life insurance lump-sum benefit paid in the event of my death?

    When you apply for cover you are able to nominate 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 insurance 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 insurance plan. However, there is an exclusion for hazardous sports under the 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 insurance 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 global 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. A further medical review is conducted after this period in order to assess future payments.

  • 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). 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.

  • How long will my policy run and how long is it valid for?

    Once your Global Protection Plan has commenced, you may continue to renew your cover each year, subject to the agreement in force at the time of the renewal. William Russell will not cancel an individual plan due to claims made against it, irrespective of the claims you may have submitted under the Accident or Global Income plan. Renewal terms are based on the standard rates generally available to our other individual plan clients of the same age.

    Life and Accident plans can be renewed to age 70. Income plans will cease on your 65th birthday.

  • How much is my policy worth?

    There’s no cash or surrender value to these policies.

Life & income protection documents

Select the appropriate life and income protection cover plan to fit your needs from the menu below. You can download the form, fill it in, and send it to one of our advisers.

  • Life & Income documents

    Global Protection Plans Brochure

    pdf 3.10 MB

    Individual Protection Plan Agreement

    pdf 766.38 KB

    Individual Protection application form

    pdf 553.48 KB

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