Find out more about William Russell
The field is empty.
Since 1992, we’ve been helping businesses of all sizes strengthen their employee benefits packages. Offering international group income protection ensures your employees have financial support if they’re unable to work due to illness or injury, while reinforcing your commitment as a responsible employer.
Ross Irvine
Finance Director
Providing international group income protection group insurance is more than just an employee benefit—it’s a safeguard that protects both your employees and your business. Income protection can enhance your reputation as a responsible employer, providing your employees with peace of mind that they’ll have financial support if they’re incapacitated.
Group income protection includes:
Request a Quote
Group income protection is a valuable international employee benefit that provides financial security if illness or injury prevents an employee from working. Designed for international businesses, our group income protection insurance ensures that your employees continue to receive a portion of their salary while they recover from their disablement, helping them manage their financial commitments and support their family. Group income protection does not cover employees for loss of income from parental leave or other forms of leave, nor does it cover your employees for loss of income due to redundancy or job loss. It only covers employees if they’re unable to work because of illness or injury.
Offering a comprehensive group income protection insurance plan provides your expat staff with peace of mind that they’ll have financial support if an illness or injury prevents them from working, including:
Income protection cover pays an employee a replacement income of up to 80% of their annual salary (to a maximum of US$200,000) if they’re unable to work because of illness or injury for longer than 3 or 6 months.
We increase replacement income payments by 2% compound year-on-year, so your employees don’t lose money in real terms.
If an employee is ready to return to work in a limited capacity, we’ll pay a proportion of their benefit to offset any temporary salary reduction while they’re completing their recovery.
As a responsible employer, it’s important to consider how your employees would manage financially if they were unable to work due to illness or injury.
Your employee’s family may solely depend on their income. Protecting their earnings ensures they can maintain financial stability if they’re unable to work—while also positioning your business as an employer that truly supports its people.
From rent and private school fees to healthcare costs, international employees often have significant monthly expenses. Without a reliable income, meeting these commitments can become a challenge. Income protection helps provide financial security when it’s needed most.
A sudden loss of income can have lasting effects on an employee’s financial well-being, making it harder to maintain their lifestyle and plan for the future. Income protection insurance provides a financial cushion, helping them stay on track.
Our international group income protection insurance policies give your employees international cover. Unlike similar cover from domestic insurers, our income protection cover is international. Your employees are covered for life, work, and travel abroad.
Request an indicative quote and we’ll get in touch to find out more about your business needs.
You’ll need to complete an online application form for your group income protection insurance policy.
Once we issue your policy, we’ll assign you a dedicated policy manager who will oversee and support your policy with us.
"*" indicates required fields
9:00am – 5:00pm
6:00am – 6:00pm
8:00am – 5:30pm
The quickest way to reach us is by email.
We can offer group income protection insurance to small and medium businesses, corporates, NGOs, IGOs and governmental organisations.
3-99 employees
We can protect your employees while you’re growing your business internationally. We have useful tools like mixed levels of cover for different categories of employees to help keep your employee benefits affordable.
100+ employees
For established international businesses, we can provide bespoke insurance policies, simplified administration, and high standards of service.
We have looked after staff of non-governmental organisations, intergovernmental organisations, and governmental organisation for more than 30 years.
AWP Health & Life, an insurance company in the Allianz group, is the insurer of our group income protection insurance policies. AWP Health & Life is registered in France and is regulated by the French Prudential Supervisory Authority.
William Russell is the administrator of the group income protection insurance policies. We also handle your employees’ claims. We’re registered in Belgium with the Financial Services and Markets Authority as a mandated underwriter, and we’re authorised and regulated by the Financial Services Authority in the UK.
Your business must have at least 3 eligible employees to qualify for a group income protection insurance policy.
No, we can only cover your employees.
Yes, under certain conditions. We have free cover limits, which define the level of insurance cover before we require medical information from the employees. Automatic acceptance limits are also known as ‘automatic acceptance limits’.
The minimum age for an employee on a group income protection insurance policy is 18. The maximum age of an employee on joining your policy is 64, and an employee’s insurance cover ceases on their 65th birthday.
We can provide group income protection insurance policies to businesses not registered in a restricted country and provided 50% of your employees are expats (i.e., living in a country that’s different to their country of nationality) or are acceptable local nationals.
A deferment period is the duration between an illness or injury preventing your employee from working and us starting their replacement income. You can choose a deferment period of either 3 months or 6 months. Your premiums will be cheaper if you choose a longer deferment period.
The cost of group income protection insurance depends on how many employees you wish to insure, their age, and how much cover you require. Speak to us to get an indicative quote tailored to your needs and requirements.
We show the benefits on this webpage in US dollars, but we can also denominate your policy in pounds sterling or Euros. You won’t find complete information for your policy on this webpage, nor the full T&Cs, limitations, and exclusions that would apply if you purchase group income protection insurance. You can find complete information in the plan agreement, which we suggest you read together with this webpage. We work hard to ensure the information we provide on this webpage is accurate and up-to-date, but inaccuracies are possible. We rectify errors as soon as we become aware of them. The T&Cs that apply to your policy are those found in your plan agreement.
Request a quote to find out how you can save money when you switch to William Russell.
More results…
