William Russell
William Russell - International Life Insurance
Global life insurance is designed for individuals living or working abroad. It provides a 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.
Offered by 
Who is this insurance for?
- Individuals living or working abroad
- Expats who move often
- People who live outside their country of nationality
- Expats whose domestic life insurance may lapse when they leave the country
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Worldwide Protection
Valid in most countries (some exclusions apply).
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High Coverage
Up to 20× your annual income (max USD 2 million).
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Optional Add-ons
Accidental death, permanent disability, critical illness and funeral & repatriation.
What is covered?
Expand a section to see what is and is not covered.
What is covered
- Life cover up to 20× your annual income (max USD 2,000,000).
- Terminal Illness Payout: benefit is paid early if life expectancy is under 12 months.
- Flexible Beneficiaries: nominate family or others globally, or designate a mortgage lender.
- 30-Day Free Accidental Death Cover during the application process.
- Portable across countries and renewable annually up to age 70.
What is not covered
- Suicide in the first 12 months.
- Death during illegal activities.
- War, terrorism, or nuclear incidents in excluded regions.
- Undisclosed pre-existing conditions.
Please note
Full details of the exclusions are available in the policy documentation.
What is covered
- Accidental death: up to USD 1 million (optional).
- Permanent disability: up to USD 500,000 (optional).
- Critical illness (adults): up to USD 100,000 (optional).
- Child critical illness: USD 5,000 (optional).
- Funeral & repatriation benefit: USD 5,000 (optional).
Points to note
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Geographic restrictions
You cannot apply from Iran, North Korea, Syria, Libya, South Sudan or Yemen. Cover may be restricted in countries with active travel advisories from the UK Foreign Office.
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Why international life cover 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.
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About William Russell
Founded in the UK in 1992, William Russell 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.
Frequently asked questions
Liever persoonlijk advies? Onze adviseurs kijken met u mee naar uw situatie, uw bestemming en de voorwaarden die daarbij horen.
Vraag gratis adviesPremie berekenen
Bereken uw premie met de vergelijkingstool
Voor deze verzekering is geen eigen premietool beschikbaar. In onze algemene vergelijkingstool berekent u een premie-indicatie en ziet u meerdere verzekeraars naast elkaar. Aanvragen doet u niet in de tool, maar via JoHo Insurances.
Naar de vergelijkingstool
What determines your premium?
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Individual risk factors
Premiums vary depending on individual risk factors.
How to apply for this insurance
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Request a quote online
You'll input basic details and receive an estimate instantly. You will receive the quote immediately by email; if not, please check your spam or junk folder.
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Complete the digital application
Fill in your digital application.
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Provide your medical information
Provide medical info (exam may be required).
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Underwriting and decision
Underwriting & decision (usually within days).
Processing time
Underwriting & decision usually within days.
Application
Alternative application route
Talk to William Russell first, without obligation
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.
Waarom afsluiten via JoHo Insurances
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Dezelfde premie
U betaalt via JoHo Insurances dezelfde premie als wanneer u de verzekering rechtstreeks bij de verzekeraar afsluit.
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Gratis persoonlijk advies
Vul het adviesformulier in en u krijgt een gratis advies dat is afgestemd op uw persoonlijke situatie en plannen.
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Hulp bij schade en declaraties
Loopt er iets mis of komt u er met een declaratie niet uit, dan helpen wij u en bemiddelen wij bij de verzekeraar.
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Nederlandstalig aanspreekpunt
U spreekt of mailt in het Nederlands met ons kantoor in Leiden, ook als u aan de andere kant van de wereld woont.
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AFM-erkend bemiddelaar
JoHo Insurances is een door de AFM erkend bemiddelaar (nr. 12043929) in verzekeringen.
Emergency assistance
Contact met JoHo Insurances