William Russell - International Life Insurance

William Russell is a specialist provider of international health, life, and income protection insurance for expats and globally mobile professionals. Founded in the UK in 1992, the company serves clients in over 160 countries with portable, flexible policies and personal service—no call centers, just real support from named advisors.

All life insurance plans are underwritten by AWP Health & Life SA, part of the Allianz Group, ensuring strong financial backing and global reliability.

Table of contents

1.What is Global Life Insurance?

Global life insurance is designed for individuals living or working abroad. It provides a tax-free lump-sum payout to your beneficiaries in case of your death, anywhere in the world. It ensures your loved ones are financially protected—whether to cover funeral and repatriation costs, pay off debts, or replace your lost income.

This cover is portable across countries and renewable annually up to age 70. It's ideal for expats who move often or live outside their country of nationality.

2.Key Features & Optional Benefits

  • Worldwide Protection: Valid in most countries (some exclusions apply)
  • High Coverage: Up to 20× your annual income (max USD 2 million)
  • Terminal Illness Payout: Benefit is paid early if life expectancy is under 12 months
  • Flexible Beneficiaries: Nominate family or others globally
  • 30-Day Free Accidental Death Cover during the application process

Optional Add-ons:

  • Accidental death: up to USD 1 million
  • Permanent disability: up to USD 500,000
  • Critical illness (adults): up to USD 100,000
  • Child critical illness: USD 5,000

Funeral & repatriation benefit: USD 5,000

3.Why Choose William Russell as an Expat?

As an expat, traditional domestic life insurance may not suit your needs—it may even lapse when you leave the country. William Russell offers international life cover that travels with you, with support from experts in cross-border insurance.

Reasons to choose William Russell:

  • Trusted since 1992
  • Transparent, flexible policies
  • No call centers—personal service from real people
  • Quick online quoting and application
  • Policies underwritten by Allianz Group

4.Coverage Amounts & Premiums

  • Life Cover: Up to 20× income (max USD 2,000,000)

  • Add-ons:
    • Accidental death: USD 1 million max
    • Permanent disability: USD 500,000
    • Critical illness: USD 100,000
    • Child critical illness: USD 5,000
    • Funeral & repatriation: USD 5,000

Quote

Premiums vary depending on individual risk factors.

  • Get a quote online: You’ll input basic details and receive an estimate instantly, and a William Russell team member typically contacts you within a couple of days.
Ask for quote

5.How to Apply

Applying:

  1. Get a quote online
  2. Fill in your digital application
  3. Provide medical info (exam may be required)
  4. Underwriting & decision (usually within days)

6.Terms, Exclusions & Geographic Limitations

Exclusions Include:

  • Suicide in the first 12 months
  • Death during illegal activities
  • War, terrorism, or nuclear incidents in excluded regions
  • Undisclosed pre-existing conditions

Geographic Restrictions:

  • You cannot apply from: Iran, North Korea, Syria, Libya, South Sudan, Yemen
  • Cover may be restricted in countries with active travel advisories from the UK Foreign Office

Full details available in the policy documentation.

7.Important Documents

Below are important downloadable PDF documents to review before applying: