This website is designed to give you information on the products and services offered by William Russell, with content written by people—not AI. If you are unsure whether these products and services are suitable for you, please speak to a financial or insurance adviser. We work hard to ensure the information we provide is accurate and up-to-date, but mistakes are possible. The T&Cs that apply to your policy are those found in your policy. William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels and is registered in Belgium with the Financial Services & Markets Authority (no. 0731.975.658 RPM) as a limited liability company with share capital of €30,000. William Russell Europe SRL is a mandated underwriter for AWP Health & Life SA. The UK branch of William Russell Europe SRL is registered at William Russell House, The Square, Lightwater, Surrey, GU18 5SS, UK. The UK branch is authorised & regulated by the Financial Conduct Authority (FCA), reference no. 973067. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314, and is registered in England & Wales under company number 02687939 at William Russell House, The Square, Lightwater, Surrey, GU18 5SS.
This website is designed to give you information on the products and services offered by William Russell, with content written by people—not AI. If you are unsure whether these products and services are suitable for you, please speak to a financial or insurance adviser. We work hard to ensure the information we provide is accurate and up-to-date, but mistakes are possible. The T&Cs that apply to your policy are those found in your plan agreement. William Russell Europe SRL is registered at Place Marcel Broodthaers 8, B-1060 Saint-Gilles, Brussels and is registered in Belgium with the Financial Services & Markets Authority (no. 0731.975.658 RPM) as a limited liability company with share capital of €30,000. William Russell Europe SRL is a mandated underwriter for AWP Health & Life SA. The UK branch of William Russell Europe SRL is registered at William Russell House, The Square, Lightwater, Surrey, GU18 5SS, UK. The UK branch is authorised & regulated by the Financial Conduct Authority (FCA), reference no. 973067. William Russell Ltd is authorised & regulated in the UK by the FCA, reference number 309314, and is registered in England & Wales under company number 02687939 at William Russell House, The Square, Lightwater, Surrey, GU18 5SS.
Enjoy life insurance with delightful customer service
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True, we're one of the smaller expat insurance providers. But we've been in business for 33 years. Our policies are insured by Allianz, one of the largest financial service companies in the world. We're regulated by the FCA in the United Kingdom and FSMA in Belgium, and we adhere to strict data protection protocols (ISO 27001 certified).
Q. I've not heard of William Russell. Should I trust you?
Q. Does the life insurance have an investment component?
No. Our life insurance policies have no investment component or cash value. They are pure life insurance policies. If you die because of illness or accident while your policy is active, we'll pay your life benefit to your beneficiaries.
Q. Do you insure people of all nationalities?
Yes. We can insure everyone (as long as you're not on a UN sanctions list)!
Q. How much are the premiums?
Your premium depends on your age and how much life insurance cover you need. Your premiums will increase as you get older or if you increase your cover. We may increase you premium if you have a risky occupation. You can get an online quote on our website.
Q. What happens if I want to cancel?
If you don't like your policy or you change your mind about us, you have 30 days to cancel your policy for a full refund.
Q. Can I have a term life insurance policy?
Our policies have annually-renewable terms and your premium will increase at each renewal as you get older. You can increase or decrease your life benefit at each renewal, and you can renew until age 74 (or 69, if you policy starts after your 61st birthday)—even if your health deteriorates.
Frequently asked questions
Join thousands of expats around the world
A quick message from our founder, Inez Cooper
What's the main problem with insurance? You just don't know if your insurance company will pay up when you make a claim.
With big insurance companies, what happens if you fall through the cracks? Sometimes a company has too many customers. They don't have the time to give an individual customer the time they need.
But with a small insurance company, can you be sure that they have resources to pay your claim if something really bad happens?
This dilemma is why I founded William Russell, 34 years ago. I wanted to build a medium-sized company that hired good people and focused on customer service, but with the financial security of a respected insurer behind the policies.
That's William Russell today: a company with wonderful customer service and insurance policies backed by Allianz.
In the past 34 years, we've provided insurance to expats in 160+ countries and I'd love to help you too. Give us a try and, if you don't like us for any reason, you can cancel within 30 days.
Inez Cooper
Founder & Managing Director
Give us a try
In the past 30 years, we've provided insurance to expats in 160+ countries and I'd love to help you too.
Increase your cover
without underwriting.
Once your policy starts, you can increase your insurance cover by 10% each year (up to US$50k) without further medical underwriting.
Key features of international life insurance
Get your own dedicated adviser.
It doesn't matter if your premium is US$30 or US$3,000. Each one of our customers gets a named, dedicated adviser to help them with their policy. That's because we employ more advisers per customer than any other expat insurance provider.
Worldwide cover for life abroad.
You have full cover for death worldwide, except in a handful of countries (e.g., North Korea, Syria, Iran). Your beneficiaries don't have to reside in the same country as you, and we can pay your life benefit into an offshore bank account.
Here's what our customers say about us
Thank you so much - you have put our minds at rest. I very much appreciate the personal touch to your service - this is very rare with insurers and is exactly why we deal with William Russell.
A.K.,
Member with William Russell
My spouse and daughters have been with William Russell for decades. I switched my medical insurance to William Russell because I saw differences between these two companies. Susan Kelly and Donna Ayres have been accommodating and efficient.
E.B.,
Member with William Russell
Our experience with William Russell has been top-notch. In over 10 years with your company, we’ve always been pleasantly surprised with the service we receive, so thanks once again.
L.B.
Member with William Russell
I would like to take the opportunity to thank you personally for the good work you and your team have carried out in handling our claims. We have found your personal intervention to be of great assistance and would like to commend your company.
R.F.
Member with William Russell
So, why do they like us so much?
Get your own dedicated adviser.
It doesn't matter if your premium is US$30 or US$3,000. Each one of our customers gets a named, dedicated adviser to help them with their plan. That's because we employ more advisers per customer than any other expat insurance provider.
Real people to help you. Not robots.
We don't hide our phone numbers and email addresses on our website. We don't outsource to call centres. And when you call us, you'll get straight through to a real person who can help you with your insurance plan.
24-hour emergency
helpline.
What happens if you need medical treatment on a desert island? What happens if I have a medical emergency in the middle of the night? We have a 24-hour helpline that's available 365 days of the year. Wherever or whenever you need help, you'll get it from us.
Life insurance with worldwide cover.
US$500,000 cover for as little as US$33 per month*
*Price for a health 30-year-old living in Thailand
Worldwide cover with very
few restrictions
Complimentary US$100k cover for accidental death while you apply
Annual term, with no underwriting at each renewal date
Guaranteed option to increase cover by 10% each year without underwriting
Life insurance for the internationally inclined
Expats
People living abroad either temporarily or permanently, in a country that's different from their country of nationality.
Digital nomads
People moving from country to country for work, working remotely, or simply travel.
Frequent travellers
People whose primary residence isn't abroad, but who expect to spend at least 6 months per year abroad.
Life insurance with worldwide cover
US$500,000 cover for as little as US$33 per month*
International life insurance • Annually renewable • Easy to buy
Worldwide cover with very
few restrictions
Annual term, with no underwriting
at each policy renewal
Guaranteed option to increase
cover by 10% each year without underwriting
Complimentary US$100k cover for accidental death while you apply
What's the main problem with insurance?
You just don't know if your insurance company will pay up when you make a claim.
With big insurance companies, what happens if you fall through the cracks? Sometimes a company has too many customers. They don't have the time to give an individual customer the time they need.
But with a small insurance company, can you be sure that they have resources to pay your claim if something really bad happens?
This dilemma is why I founded William Russell, 34 years ago. I wanted to build a medium-sized company that hired good people and focused on customer service, but with the financial security of a respected insurer behind the policies.
That's William Russell today: a company with wonderful customer service and insurance policies backed by Allianz.
In the past 34 years, we've provided insurance to expats in 160+ countries and I'd love to help you too. Give us a try and, if you don't like us for any reason, you can cancel within 30 days.
International life insurance
Annually renewable
Easy to buy
Increase your cover
without underwriting.
Once your policy starts, you can increase your insurance cover by 10% each year (up to US$50k) without further medical underwriting.
Worldwide cover for life abroad.
You have full cover for death worldwide, except in a handful of countries (e.g., North Korea, Syria, Iran). Your beneficiaries don't have to reside in the same country as you, and we can pay your life benefit into an offshore bank account.
Get your own dedicated adviser.
It doesn't matter if your premium is US$30 or US$3,000. Each one of our customers gets a named, dedicated adviser to help them with their policy. That's because we employ more advisers per customer than any other expat insurance provider.
