Life Insurance For Life Abroad

International life insurance for expats, families, international citizens, remote workers & frequent travellers.
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Your Lifestyle Is Precious. Protect it Wherever You Go.

International income protection for expats, families, international citizens, remote workers & frequent travellers.
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Be the Boss who Keeps their Staff Healthy

International employee benefits for SMEs, large corporations, overseas branches & startups.
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What are you looking for?

Frequently Asked Questions

Here you will find answers to some of our most frequently asked questions.

  • How do I register as a broker?

    Please complete our registration form. We’ll be in touch with you shortly!

  • How do members make a claim?

    Please visit our guide to making a claim for full information.

  • In what countries is there no cover?

    We have two categories of countries where there is limited or no cover.

    Health plans

    We cannot provide health plans to people who are living in the USA, Iran, North Korea, Libya, South Suda, Syria, Switzerland or Yemen.

    We cannot provide health plans where the policyholder is resident in Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Chad, Cote d’Ivoire (Ivory Coast), Equatorial Guinea, Gabon, Guinea, Mali, Niger, Senegal or Togo. However, we can cover non-policyholder members who are resident in one of these countries, provided the policyholder is not also resident in one of these countries.

    Life plans and income protection:

    We cannot provide life or income protection plans to people who are living in Iran, North Korea, Libya, South Suda, Syria, Switzerland or Yemen.

    We cannot provide life or income protection plans where the policyholder is based in Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Chad, Cote d’Ivoire (Ivory Coast), Equatorial Guinea, Gabon, Guinea, Mali, Niger, Senega, Togo or the USA. However, we can cover employees who are resident in one of these countries, provided the employer is not also based in one of these countries

  • Do your insurance plans have age limits?

    Health plans
    Applicants must be under the age of 70, but members can renew their plan for as long as they require – even if their health deteriorates.

    Life plans
    Applicants must be under the age of 70. Members can renew their plan until age 70, regardless of their state of health.

    Income protection
    Applicants must be under the age of 56. Members can renew their plan until age 65, regardless of their state of health.

  • What are the maximum benefit limits for each of your insurance plans?

    Health plans

    BronzeLite US$750,000/£500,000/€562,500

    Bronze US$1,500,000/£1,000,000/€1,125,000

    SilverLite US$1,500,000/£1,000,000/€1,125,000

    Silver US$2,500,000/£1,666,000/€1,875,000

    Gold US$5,000,000/£3,333,000/€3,750,000

    Life plans

    Applicants may apply for a life benefit up to 20x their current annual salary for individuals and 5x current annual salary for business employees. The maximum amount they can insure is US$2,000,000.

    Income protection

    Applicants may apply for annual income cover of up to 75% of their current annual salary, subject to a maximum amount of US$144,000.

  • How do my customers apply for an insurance plan from William Russell?

    We usually complete applications within 2 working days. If you have a customer who would like to apply for one of our plans, please call us on +44 (0) 1276 486 477 or email us at sales@william-russell.com.

    Alternatively, you can download an application form from our documents page.

  • Do you offer term life insurance?

    We do not offer term life insurance. Our Global Life plan is an annually renewable product. For more information please get in touch here.

  • How can members pay for their insurance plans from William Russell?

    Members who prefer to pay their premium annually can pay be credit or debit card or bank transfer.

    Members who prefer to pay their premiums monthly, half-yearly or quarterly can pay only by credit card or debit card. If a member is paying in Pounds Sterling from a UK bank account, they can pay their premiums by Direct Debit.

    Our plans are available in US dollars, Pounds Sterling, and Euros.

  • Do my customers need a medical examination before purchasing a health plan?

    Customers purchasing a health plan do not need a medical examination.

    Customers purchasing a life plan or an income protection plan may need a medical examination and additional tests. We will advise customers upon receipt of their application forms. If a customer does need a medical examination, they can have one locally with any doctor holding western qualifications. The medical examination report must be in English.

  • Does claim history affect the premium of health plans?

    Our health plans do not cover pre-existing medical conditions and related conditions, unless the member tells us about such a condition in their application and we agree to cover it.

    Once a member’s health plan is in force, however, their personal claims experience will not affect their renewal premium.

    There is a slight exception for members who reside in Hong Kong. Please contact us for details on this.

  • Where do you offer Direct Billing?

    Please visit our medical network page for a full list of medical providers in our network.