William Russell provides international life insurance for expats, offering worldwide coverage, flexible plans, and financial protection for your family abroad.
Traditional life insurance often stops at the border, but William Russell follows you wherever you go. Their international life insurance offers true global protection, giving you confidence that your family is covered no matter where you live or work.
With benefits up to $2 million and the option to choose your policy currency in U.S. dollars, British pounds, Euros, or UAE dirhams, you can secure financial peace of mind with coverage designed for life abroad.
Protect Your Loved Ones, Wherever Life Takes You
William Russell International Life Insurance
Secure financial peace of mind with trusted William Russell plans for individuals and groups.
William Russell Life Insurance covers you wherever you are in the world. It is customizable, allowing you to obtain the amount of coverage that ensures security for your family in the event of the worst happening.
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Comprehensive Life Coverage Limits
Insure your life for up to 20 times your annual salary, with benefits available up to $2 million.
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International Protection
Your policy stays with you worldwide, providing consistent coverage wherever you live or travel.
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Early Payout for Terminal Illness
If you are diagnosed with a terminal illness with a life expectancy of fewer than 12 months, your benefit is paid early for financial support when you need it most.
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Optional Accident Coverage
Add enhanced protection that provides an additional payout for accidental death, plus a lump-sum benefit if a serious accident leaves you permanently injured.
William Russell Global Life Insurance Benefits
William Russell’s global life insurance offers flexible, portable protection tailored for individuals residing and working abroad. Coverage is valid worldwide, ensuring your policy follows you wherever you relocate or travel.
You can tailor your benefit level to your needs, with the option to insure up to twenty times your annual salary, capped at $2 million. Policies are also available in USD, GBP, EUR, or AED, offering added convenience for expats managing finances across borders.
If you are diagnosed with a terminal illness with a life expectancy of fewer than twelve months, the plan pays out early to provide immediate financial support. You may also enhance your protection with an optional accident benefit, which adds coverage for accidental death or serious, life-altering injuries.
Your policy renews annually until the end of the year in which you turn seventy, giving you long-term security and reliable coverage wherever life takes you.
Enhance Your Coverage with William Russell Income Protection
William Russell International Income Protection plan is designed to safeguard your earnings if an illness or injury prevents you from working. For expats and globally mobile professionals who rely on consistent income, this coverage provides essential financial stability.
The plan pays a monthly benefit if you become totally disabled and unable to perform your own occupation beyond the selected deferment period. Members can insure up to $144,000 per year, with coverage valid worldwide and renewable until age 65. During approved claims, premiums are waived automatically.
Coverage continues during short periods of unemployment up to four months, ensuring flexibility for members navigating international career changes. The plan also allows for benefit increases, subject to underwriting, and offers protection whether illness or injury occurs at home or abroad.
This income protection option complements William Russell’s international health and life insurance plans, providing a comprehensive suite of global benefits for individuals seeking complete financial security while living abroad.
Request a quote for international life insurance and ask your advisor for more information about William Russell’s Income Protection Insurance plan.
William Russell has introduced an enhanced group life insurance product, offering greater financial security for international employees and their families.
Key benefits for your globally mobile employees:
Higher Coverage Limits: Up to 10x an employee’s salary, with a maximum benefit of $2 million.
Guaranteed Benefit Increases: Adjust coverage at renewal for evolving business needs.
Worldwide Protection: Employees stay covered, regardless of their location.
Early Payout for Terminal Illness: Financial support when it’s needed most.
William Russell Group Life Insurance
Cover up to 10x an employee’s salary (up to $2,000,000)
How Much Does William Russell Life Insurance Cost?
How much you pay for a William Russell life insurance plan depends heavily on factors like your age, coverage amount, smoking status, and health background.
For a sense of typical costs:
A healthy 20-year-old seeking $100,000 in coverage might pay as little as $5–$8 per month.
A 40-year-old for the same coverage might pay around $12–$20 per month.
As you get older, premiums increase. For example, a 55-year-old might pay significantly more, and by age 65, the cost rises substantially.
Since premiums vary so much depending on individual situations, you’ll generally need to request a quote. William Russell uses underwriting factors, such as age, benefit amount, health status, and occupation, to calculate the actual premium.
Protect Your Loved Ones, Wherever Life Takes You
William Russell International Life Insurance
Secure financial peace of mind with trusted William Russell plans for individuals and groups.
To qualify for a William Russell global life insurance plan, applicants must meet the following criteria:
Age Requirements You must be between 18 and 69 years old when applying. Coverage can then be renewed until the end of the policy year in which you turn 70.
Residency Restrictions You cannot be living in any of the following excluded countries at the time of application: Iran, North Korea, Libya, South Sudan, Syria, Yemen, or Switzerland.
Employment Considerations Your occupation must be 100 percent office-based. If not, you must provide a full job description for review.
Health & Application Accuracy You must disclose all pre-existing medical conditions on your application. Any omission may result in declined coverage or a voided policy.
Country of Nationality Rules If you permanently return to live in the USA and your nationality is American, your policy will terminate at the next renewal date.
William Russell Life Insurance FAQs
Your life insurance remains active until the end of the policy year in which you turn 70. After that policy year, coverage ends and cannot be renewed.
If you add the accident benefit, a payout is made if an accident results in any of the following within two years:
Death
Total and irrecoverable loss of sight in both eyes
Total and irrecoverable loss of sight in one eye
Loss of, or permanent loss of use of, two limbs
Loss of, or permanent loss of use of, one limb
Loss of sight in one eye and loss of one limb
Permanent total disablement
This benefit provides an additional layer of financial protection beyond the standard life benefit.
Hazardous activities include, but are not limited to: off-piste skiing, deep or unsupervised scuba diving, rock climbing or mountaineering requiring ropes or guides, pot-holing, hang gliding, parachuting, bungee jumping, horseback hunting, motorcycle or motorsport racing, and flying in any aircraft other than as a commercial passenger. Participation in any similarly dangerous activity may also be considered hazardous.
To make a claim, you or your beneficiary contacts the William Russell claims team by phone or email. You will submit a completed claim form along with any required medical reports or documentation. Once the claim is reviewed and approved, William Russell issues payment directly to you or your beneficiary according to the policy terms. The team provides personal, human support throughout the process for a smooth experience.
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