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 Income Protection plan, underwritten by Allianz Netherlands, which is part of the Allianz Group and administered by William Russell Limited. It is specially designed to income replacement protection for individual expatriates around much of world. This plan is part of William Russell’s Global Protection plan range, which also offers Global Life and Accident insurance. Read more about William Russell by clicking here.

Unfortunately, the protection plans that we offer are not available to local nationals or to expatriates living in USA. Expats from the USA residing in another country are eligible to apply. Should you become disabled and unable to work, you have a real peace of mind knowing that if your salary stops, William Russell’s Global Income Protection plan can replace much of your lost income, after a 3 or 6 month waiting period as per the plan terms and conditions. Download Brochure for more information.

Plan Summary

    • You may cover up to 75% of your annual income with an overall maximum of US$144,000.
    • William Russell also offers Global Life and Accident Insurance.
    • Benefits and premiums can be paid in Pounds Sterling (£), Euros (€) or US Dollars ($).
    • When you apply you choose when you would like to receive the 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 on your return to work. Subject to William Russell’s plan agreement.
    • Once your income replacement payments commence, they will increase by 2% compound annually.
    • Once the plan is in force, if you return to your home country of citizenship you may be able to continue to renew your cover provided that the local laws in your country permit you to do so, and provided that cover is available in that country. Note that coverage can’t be continued if you move to the USA or Canada.
    • Benefit payments are made monthly once you have been off work for your chosen waiting period.
    • Premiums are age banded and will increase on annual renewal.
  • If your inability to work lasts more than 24 months, Section 2 of the Global Income Protection plan agreement requires proof of you being unable to return to any form of gainful activity for which training, education and experience would qualify you. If this is the case, benefit will continue to be paid until you are able to return to work, you reach age 65, or upon death (whichever is soonest).

Please review the full plan terms and conditions as these will govern.

Excluded Countries

William Russell cannot consider an application for a Global Protection plan if you are resident in any of the following countries or areas, or any country or region that the British Foreign & Commonwealth Office has advised its citizens to leave (note that list is subject to change at any time without notice). Also, if your country of residence changes to one of the excluded countries listed below, before commencement of your plan, William Russell Limited will be unable to offer cover:

Afghanistan, Angola, Antarctica, Burundi, Central African Republic, Chechnya, Democratic Republic of Congo, East Timor, Ghana, Haiti, Indian states of Jammu, Kashmir, Punjab, Rajasthan and Gujarat, Iran, Iraq, Israel (Including all Palestine Territories), Ivory Coast, Liberia, Libya, North Korea, Republic of Congo, Sierra Leone, Somalia, South Sudan, Sudan, Switzerland, Syria and Yemen.

Temporary trips to excluded countries
The William Russell Global Protection plan will cover you during temporary trips to the excluded countries. However, you will not be covered for war, terrorism, kidnapping, assault or other acts of violence whilst in any of these countries (other than Switzerland), or whilst you are in Nigeria, or in any country or region that the British Foreign and Commonwealth Office has advised its citizens not to travel to.

Whilst you are resident in any of the excluded countries or regions noted above or you have a claim arising from travel to one of these countries, there is no cover for death or disablement arising from, or as a consequence of war, terrorist attack, riots, civil unrest, and demonstrations, even if you are an innocent bystander.  In addition there is no cover if your death or disablement arises as a consequence of murder, attempted murder, kidnap, or assault of any kind. Note that the above list of countries can change without notice by William Russell Limited.

Temporary trips to an Excluded or Restricted Country or Region

If you are resident in a country where William Russell Limited can accept your application but you travel to any of the above countries or areas (other than Switzerland), or any country or area that the British Foreign and Commonwealth Office has advised its citizens to leave, their Global Protection plan will not cover you for war and terrorism, or similar type risks, or for kidnapping, assault and/or other acts of violence (even if you are an innocent bystander), during your time in that country, area or region.

Restricted countries:
Benin, Burkina Faso, Cameroon, Central African Republic, Comoros, Chad, Cote d’Ivoire (Ivory Coast), Equatorial Guinea, Gabon, Guinea, Mali,
Niger, Senegal, Togo and USA.

William Russell and their underwriters are unable to provide plans to clients where the policyholder is resident in a Restricted country. William Russell may be able to cover cover members who are resident in one of these Restricted countries provided the plan policyholder is resident in a country which is not an excluded or a restricted country.
For example, if an employee on a group plan is resident in a Restricted country like Benin, but the company & therefore policyholder is in a country
like China, which is not an Excluded or Restricted country we can still provide cover.
Existing clients who move to a Restricted country (this is excludes the USA) may be able to continue to renew their policy.

Frequently Asked Questions

Who can apply?

Answer: You must be under age 65 when you apply for a Global Life plan, and under age 55 when you apply for a Global Income Protection plan. You can renew your Global Life plan up to age 70. Your Global Income Protection plan will cease on your 65th birthday. Contact us or complete the Quote page for a quote – please include your income and occupation.

Certain occupations may not be able to be covered by the plan or may have loadings applied to the premium if they are not 100% office-based. Note that US citizens living in USA or people living in their country of citizenship are not able to apply or be covered by these plans.


Answer: Please view and 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 you can then fax, post or email the application to our office or to William Russell directly you decide to proceed.

Who are Allianz Netherlands ?

Answer: Allianz Nederland Levensverzekering NV, an EEA insurer registered in the Netherlands and is part of the Allianz Group. With nearly 155,000 employees worldwide, the Allianz Group serves approximately 75 million customers in about 70 countries. On the insurance side, Allianz is the market leader in the German market and has a strong international presence.

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. William Russell Limited reserves 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 you are ready to proceed, simply complete an application form and email or fax it through to William Russell or forward it to TFG Global Insurance Solutions Ltd – Online Application FORM. Once William Russell receives your completed form, they will advise you of the medical requirements. If you need to have a medical, it can usually be done locally, provided the doctor holds Western qualifications and can complete the report in English. If a medical examination is required, William Russell will reimburse you towards the cost, once your policy is in force.

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


Send us a detailed outline of what you require and any other special quests that you may have.


Fill out and send the form to:
Expat Financial
c/o TFG Global Insurance Solutions Ltd.,
#1500 – 701 West Georgia Street
Vancouver, BC
V7Y 1C6  Canada

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 local nationals resident in their home country. The plan is governed by the terms, conditions and exclusions set
out in the Global Protection Plan Agreement, and any conditions contained in this document.