William Russell
William Russell - International Income Protection
International Income Protection is an income protection (disability) insurance from William Russell, for expats and digital nomads, offering a regular monthly income if illness or injury prevents them from working while living abroad. Cover applies worldwide and can be maintained annually up to age 65, with a maximum application age of 60.
Aangeboden via 
Voor wie is deze verzekering geschikt?
- Expats and digital nomads working abroad
- Employees and self-employed people with an income to protect
- Applicants aged 18 to 60
- People with a desk-based (100% office-based) occupation
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Worldwide Cover
Protected wherever you work, travel, or are based.
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Up to 80% of your income
Up to 80% of your annual income (75% in some regions), capped at US$144,000.
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Waiting period of 3 or 6 months
Your monthly income starts after a waiting period of 3 or 6 months.
Wat is er gedekt?
Klap een onderdeel open voor wat wel en niet is verzekerd.
Wat is verzekerd
- Up to 80% of your annual income (75% in some regions), capped at US$144,000, £120,000 or €130,000.
- 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.
Wat is niet verzekerd
- Lost income due to redundancy, parental leave, or job loss unrelated to health-related incapacity.
- A pre-existing medical condition, unless you told William Russell about it and it agreed to cover it.
- Your participation in war or terrorist activities.
- Your participation in professional sport or professional racing.
- The consequences of attempted suicide or self-harm.
- Abuse of drugs, alcohol, and medication.
Let op
If your disablement is a result of mental health issues, the income benefit is paid for 24 months only (one claim per lifetime).
Further exclusions include gross negligence, illegal activities, normal pregnancy and loss of your licence. See the policy conditions for the full list.
Wat is verzekerd
- During the first 24 months, benefit is paid while you are unable to perform the duties of your own occupation.
- After 24 months, benefit continues only if you are medically certified as totally disabled from any suitable occupation.
- If you can't return to any suitable occupation, the income benefit is paid until your 65th birthday or your death.
Wat is verzekerd
- Your premium is waived for the next policy year if your income benefit is still being paid when your policy renews.
- If the same illness or injury recurs within 26 weeks of returning to work, your income benefit resumes.
- A relapse more than 26 weeks after returning to work resets your deferment period.
Waar u op moet letten
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Cannot apply from these countries
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.
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Maximum age
The maximum eligible age for application is 60. You must be at least 18 on the date your policy starts. Coverage can be maintained annually until your 65th birthday.
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Report your claim before the deferment period ends
Let William Russell know about your illness or injury no later than 30 days before the end of your deferment period. No benefit is paid for disablement that has not been reported within 12 months of becoming totally disabled from working.
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Unemployed for longer than 4 months
Your policy only covers you while you're employed and have a salary to insure, or in between jobs for up to 4 months. If you're unemployed for longer than 4 months, your policy will cease.
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Desk-based occupations only
Income protection is intended for people with desk-based occupations. Specialist occupations like aeroplane pilots, surgeons, or offshore workers are not covered.
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Medicals & pre-existing conditions
Pre-existing conditions are not covered unless disclosed and accepted; this may lead to exclusions or premium adjustments. Medicals are often waived for under-50, healthy applicants with coverage up to US$75,000. If needed, exams are reimbursed.
Veelgestelde vragen
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
Wat bepaalt uw premie?
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Your age
Premiums for income protection insurance get more expensive as you get older. Your premium will increase each year.
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Your location
William Russell charges the same basic premium in all countries. In certain countries, however, you may have to pay an insurance premium tax.
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Your income benefit
You can insure up to 80% of your salary, up to US$144,000, £120,000 or €130,000. The higher your income benefit, the higher your premiums.
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Your occupation
Certain occupations represent a greater risk, so William Russell charges a higher premium for these.
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Your medical history
If you have pre-existing medical conditions, William Russell may charge you a higher premium.
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Your deferment period
With a 3-month deferment period, benefit starts sooner, so premiums are more expensive than with a 6-month deferment period.
Zo vraagt u deze verzekering aan
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Vraag online een offerte aan
Request a quote online with a few basic details.
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Controleer uw mailbox
You will receive the quote immediately by email. Didn't receive a message? Then please check your spam or junk folder.
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Vrijblijvende opvolging
After about a week, you will receive a follow-up message from William Russell including the option to schedule a (English-language) consultation.
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Vraag de verzekering aan
Does the insurance meet your needs? Then you can submit an application immediately, or after a call with William Russell.
Wat heeft u nodig?
- A copy of your passport.
- A utility bill less than four months old confirming your residential address.
- Details of your occupation and your medical history.
Direct aanvragen
Afwijkende aanvraagroute
Aanvragen met het pdf-formulier
The Application Form can also be completed and returned to William Russell by email or post. Your completed application form is valid for 90 days from the date you signed it, and cover cannot be backdated.
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.
Alarmcentrale
Contact met JoHo Insurances