Expat Financial Disability Insurance Plan

international disability insurance

Expatriate Disability Insurance

Expat Financial can provide expatriates living abroad international disability income insurance. Most financial experts agree, protecting your ability to earn an income should be considered a priority. We broker several plans from the marketplace. One such plan is called The Global Life and Disability Plan, underwritten by AGF (Hauteville) and administered by William Russell Limited. It is specially designed to provide income replacement protection for individual expatriates around the world. AGF is one of Europe's largest and oldest insurance companies and has a AA- rating from Standard & Poors. In the United Arab Emirates, their plans are underwritten by Dubai Insurance Company. Read more about William Russell by clicking HERE.

Unfortunately, disability plans that we offer are not available to local nationals or to expatriates living in USA. People in USA about to become or already expats can apply.

Should you become disabled and unable to work, you have the real peace of mind knowing that if your salary stops, the Plan replaces much of your lost income, after a 3 or 6 month waiting period. Download Brochure!

Click HERE to get an online quote and even apply online for expat disability insurance. Expat life insurance is also available.

Plan Summary:

You may cover up to 75% of your annual income with an overall maximum of $144,000 US. On application, you chose when to take benefits and how much you need
You can get life insurance & Accidental benefits as well.
You can apply in $USD, EURO or in UKŁ.
Housewife/househusband life insurance cover up to Ł100,000 ($160,000 or €160,000)
On enrolment, you choose when to take benefits (3 or 6 month waiting period) and how much cover you require. Cover continues right through to age 65, normal retirement date, if earlier, recovery or your return to work
Benefits are automatically increased 2% p.a. on the anniversary of a claim to counter inflation
Benefits and premiums can be paid in Pounds Sterling, EURO or USD $, in most territories, including your home country
Plan doesn't cover you if you work in your home country of citizenship as plan is designed and meant for expatriates
Benefit payments are made quarterly, in arrears
You do not need to be hospitalized to claim - covers sickness & injury as per plan terms and conditions.
Minimum premium is $320 US per annum
Premiums are age banded and can increase on annual renewal
If your inability to work lasts more than 24 months, Section 2 of the plan requires proof of your being unable to return to any form of gainful activity for which training, education and experience would qualify you
William Russell’s Global insurance plans are underwritten by Hauteville Insurance Company Limited a wholly owned subsidiary of AGF, and part of the world-leading Allianz Insurance Group. AGF has a Standard & Poor’s rating of AA-.

NB: Plan contract will govern. Please refer to current policy booklet and contract as those terms will govern.

Countries Excluded:

ExpaCare is unable to cover Expatriates residing in the following countries: Afghanistan, Algeria, Angola (Lunda Norte), Burundi, Chechnya, Columbia, Democratic Republic of Congo, East Timor, Iran, Iraq, Jammu, Kashmir, Liberia, Pakistan, Palestinian Territories, Peru, Sierra Leone, Somalia, Sudan, Yemen, Canada, USA - this list is subject to change by underwriters at any time. If you are a US or Canadian citizen about to live abroad, but not in one of the above excluded countries, you can still potentially apply.

Excluded countries and regions

William Russell will not cover you if you travel to any of the following countries or areas that the British Foreign Office has advised its citizens to leave:

Afghanistan, Angola, Burundi, Chechnya, Democratic Republic of Congo, Indian states of Gujarat, Jammu, Kashmir, Punjab, Rajasthan, Iraq, Israel & Palestinian Territories, Ivory Coast, Liberia, North Korea, Somalia, Sudan, Yemen - this list is subject to change.

Questions:

Who can apply? Answer: Any employee or self-employed person with 100% office duties in non-manual occupations, under the age of 56 years. BUT, not US citizens living in USA or people living in their country of citizenship.

Exclusions? Answer: Very few. The following are the principal exclusions: pre-existing medical conditions, intentionally self-inflicted injuries and attempted suicide; whether sane or insane; deliberate exposure to exceptional danger; your own criminal act; active participation in war; mental or nervous disorders lasting more than 24 months unless you have been hospitalized; abuse of drugs, alcohol or medication other than prescribed drugs; playing any professional sport; participating in any speed or duration tests or races of any kind in or upon mechanical vehicles; use of Ultra Light Motorized flying machines or hang gliding; flying in an aircraft including helicopters unless as a passenger and with a pilot who is legally licensed. No benefit is paid if disability is caused by or associated with a pre-existing medical condition unless that medical condition has been fully disclosed to William Russell and we they agreed in writing to cover you for this.

Download Plan Terms & Conditions in Adobe Reader format for full exclusion and plan details.

How much does it cost? Answer: Simply go to our quote page and let us know your name, citizenship, location, occupation, date of birth, income, waiting period and currency requested. We will then email you a quote and fax the application if you decide to proceed. You can also use the quote request form.

Medicals? Answer: This will depend on your age, answers on application and the amount you are applying for. Download Rate Sheet for more details on underwriting.

Who is the AGF group ? Answer: Supported by the European number one insurance company Allianz AG, AGF employs approximately 34,700 people worldwide. The AGF Group was awarded the AA- financial rating by Standard and Poor's.

Continuing your cover when you return to your home country? Answer: If you return to your home country you may continue to renew your cover provided that the local laws in your home country permit you to do so, and provided that we are permitted to offer cover in that country. We reserve the right to refuse to offer cover in certain countries. Your home country is the country of which you hold a passport as submitted to William Russell at the time of your application.

Returning to the United States of America? Answer: If your home country is the USA, your cover will automatically terminate from the renewal date following your permanent return to the USA.

How do I Apply? Answer: Once a customer is ready to proceed with the insurance, the underwriters will forward the necessary application forms and insurance company will arrange for any medical evidence, if required. There are no additional fees over and above the premiums you pay directly to the insurance company. Once approved, you will be sent an invoice for the premium, which can be paid by check, wire or credit card. William Russell can often cover a person of almost any nationality around the world who lives outside their country of citizenship!

If you are interested in learning more, have questions or would like a quotation? There are 3 ways to apply.

1. Contact us via email

2. By clicking HERE via secure encrypted web page. Get quote and even apply for plan online.

3. Print and send in the following forms:

Online Application FORM

William Russell Global INCOME Brochure

William Russell Global LIFE Insurance Brochure

Online Global Life & Disability Rates & Underwriting Guide

Online Terms & Conditions

Beneficiary Form

Medical Costs Reimbursement Form - AGF (WR) will reimburse up to a maximum of UKŁ325 for medical examinations that are required by underwriter only. Original test results & forms are required.

AND then post or courier to:

Expat Financial

c/o TFG Global Insurance Solutions Ltd.,

#216 - 2438 Marine Drive, West Vancouver, BC V7V 1L2 Canada

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Note: Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact Expat Financial for more information about your specific jurisdiction. The above coverage is NOT available to residents in British Columbia.