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

  • Worldwide Cover: Protected wherever you work, travel, or are based.
  • Monthly Income After Deferment: Starts after a waiting period of 3 or 6 months.
  • Inflation‑Linked Payments: Benefits grow by 2% compound annually.
  • Proportional Return‑to‑Work: If you resume limited work, you receive a proportional benefit.
  • Renewable to Age 65: Maintain coverage annually until 65, with no new medicals even if health changes.

Competitive Premiums: Based on age, income, health, and chosen deferment.

3.How Much Does It Cost?

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 a Quote

4.How It Works: From Quote to Cover

  1. Select your coverage: Choose up to 80% (or 75% in some regions) of your annual income, capped at US$144,000.
  2. Choose waiting period: 3‑ or 6‑month waiting period—shorter wait means higher premiums.
  3. Receive your quote by email and follow instructions on how to apply
  4. Apply online: Digital application including occupation and medical history.
  5. 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.

6.Medicals & Pre‑Existing Conditions

  • Pre‑Existing Conditions: Not covered unless disclosed and accepted; may lead to exclusions or premium adjustments.
  • Medicals: Required in some cases; commonly waived for younger, healthier applicants with lower coverage amounts. William Russell reimburses medical exam costs.

7.Important Documents