William Russell - International Income Protection
Experience peace of mind with William Russell’s International Income Protection—designed for expats and digital nomads who need reliable income replacement if illness or injury prevents them from working abroad. With worldwide cover, inflation‑linked benefits, and a 30‑day money‑back guarantee, it’s protection you can trust.
Table of contents
1.What is income protection insurance?
International income protection (also known as disability insurance) offers a regular monthly income if illness or injury prevents you from working while living abroad. It does not cover lost income due to redundancy, parental leave, or job loss unrelated to health–related incapacity.
2.Features & Benefits
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Worldwide Cover: Protected wherever you work, travel, or are based.
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Monthly Income After Deferment: Starts after a waiting period of 3 or 6 months.
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Inflation‑Linked Payments: Benefits grow by 2% compound annually.
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Proportional Return‑to‑Work: If you resume limited work, you receive a proportional benefit.
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Renewable to Age 65: Maintain coverage annually until 65, with no new medicals even if health changes.
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Competitive Premiums: Based on age, income, health, and chosen deferment.
3.Costs & Quotes
Procedure
1. Request a quote online with a few basic details: Create an online quote directly
2. Check your mailbox: You will receive the quote immediately by email. Didn't receive a message? Then please check your spam or junk folder.
3. No-obligation follow-up: After about a week, you will receive a follow-up message from William Russell including the option to schedule a (English-language) consultation. This is entirely without obligation.
4. Apply: Does the insurance meet your needs? Then you can submit an application immediately. You can do this as soon as you have received the quote, or after you have obtained any additional information and / or have had a call with William Russell.
4.Principles
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Select your coverage: Choose up to 80% (or 75% in some regions) of your annual income, capped at US$144,000.
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Choose waiting period: 3‑ or 6‑month waiting period—shorter wait means higher premiums.
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Medicals (if needed): Often waived for under‑50, healthy applicants with coverage ≤ US$75,000. If needed, exams are reimbursed.
5.Eligibility & Exclusions
Cannot Apply From: UK, USA, Iran, Libya, North Korea, South Sudan, Switzerland, Syria, Yemen, Venezuela, Lebanon, Russia, Ukraine, Belarus, Israel, Palestinian territories.
Existing Policies: May renew if returning to certain countries, but coverage may cease in high-risk or advised-against regions.
Maximum age: The maximum eligible age for application is 60.
- Gross income from work
- 50% of a bonus provided it is directly linked to a sales target
- Allowances (like car- or living allowances)
- Dividends
- Over-time
Income components that are eligible for insurance when insuring disability being self-employed:
- Gross personal income from your business before the deduction of income tax.
Income components that are NOT eligible for insurance when insuring disability being self-employed:
- Income you receive from dividends, savings, investments or gifts.
If your earnings as a self-employed fluctuate, William Russell will take an average of your gross annual earnings during the period of 36 months immediately preceding the date upon which you became totally disabled from following your own occupation, when assessing a claim under your policy.
6.Medicals & Pre‑Existing Conditions
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Pre‑Existing Conditions: Not covered unless disclosed and accepted; may lead to exclusions or premium adjustments.
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Medicals: Required in some cases; commonly waived for younger, healthier applicants with lower coverage amounts. William Russell reimburses medical exam costs.