Aviva Classic is a basic medical insurance that covers both in-patient and out patient health care. Although it is basic it still covers the most essential needs including cancer treatment, accidental dental care, post-hospital treatment and evacuation cover.

Dental treatment can be added for an additional fee. You can choose whether you would like world wide coverage, or you can choose to exclude North America for a much lower premium. If you choose to exclude North America you will still have cover for emergency treatment for 90 days/trip.

Aviva Supreme is the next step up from Classic. It covers everything classic covers but with a higher amount. Supreme will also cover you for general practitioner services, in-patient treatment for complications of pregnancy and also includes health screening every second year.

Dental treatment can be added for an additional fee. You can choose whether you would like world wide coverage, or you can choose to exclude North America for a much lower premium. If you choose to exclude North America you will still have cover for emergency treatment for 90 days/trip.

Aviva Elite is the next step up from Supreme and the insurance with the highest benefits. It is covering the same benefits as the silver plan, but with a higher amount. This plan is for the client who would like to make sure they are covered for any kind of situation.

Dental treatment can be added for an additional fee. You can choose whether you would like world wide coverage, or you can choose to exclude North America for a much lower premium. If you choose to exclude North America you will still have cover for emergency treatment for 90 days/trip.

William Russell bronze is a basic medical insurance that covers both in-patient and out patient health care. It also covers In-patient treatment for complications of pregnancy, oncology, post-hospital treatment and evacuation cover.

William Russell plans can cover world wide excluding USA, world wide including USA for 45 days or world wide including USA for 90 days.

William Russell silver is the next step up from bronze. It gives a more extended cover and includes complimentary medicine, treatment for chronic conditions, emergency dental treatment and includes health screening every second year. It also provides for higher annual medical limit.

William Russell plans can cover world wide excluding USA, world wide including USA for 45 days or world wide including USA for 90 days. The silver plan can also offer direct billing which means you only need to bring your medical card when you need your insurance.

William Russell gold is the next step up from silver. It gives a more extended cover and includes maternity care and routine dental care. It also provides for higher annual medical limit.

William Russell plans can cover world wide excluding USA, world wide including USA for 45 days or world wide including USA for 90 days. The silver plan can also offer direct billing which means you only need to bring your medical card when you need your insurance.

William Russell Platinum is the next step up from gold. It gives a more extended cover and includes complex dental treatment. It also provides for higher annual medical limit.

William Russell plans can cover world wide excluding USA, world wide including USA for 45 days or world wide including USA for 90 days. The silver plan can also offer direct billing which means you only need to bring your medical card when you need your insurance.

Goodhealth Major Medical is a basic medical insurance that covers both in-patient and out-patient health care, although out-patient is limited. It also covers In-patient treatment for complications of pregnancy, oncology, post-hospital treatment and evacuation cover.

Goodhealth plans can either provide world wide cover or world wide excluding USA. If you choose to exclude USA the premium will be lower but it will still provide for emergency treatment in USA.

Goodhealth Foundation plan is the next step up from Major Medical. It provides a better coverage for out patients and it could be connected to Goodhealths direct settlement network. This extensive network of hospitals gives you the benefit of settle you expenses directly through your membership card.

Goodhealth plans can either provide world wide cover or world wide excluding USA. If you choose to exclude USA the premium will be lower but it will still provide for emergency treatment in USA.

Goodhealth Lifestyle plan is the next step up from the Foundation plan. This plan gives you a higher annual medical limit and also routine management of chronic illnesses.

Goodhealth plans can either provide world wide cover or world wide excluding USA. If you choose to exclude USA the premium will be lower but it will still provide for emergency treatment in USA. Lifestyle can also be connected to Goodhealths direct settlement. This extensive network of hospitals gives you the benefit of settle you expenses directly through your membership card.

Goodhealth Lifestyle Plus plan is the next step up from the Lifestyle plan. This is a very extensive medical insurance which gives you higher annual medical limit, routine pregnancy and childbirth, routine and restorative dental care.

Goodhealth plans can either provide world wide cover or world wide excluding USA. If you choose to exclude USA the premium will be lower but it will still provide for emergency treatment in USA. Lifestyle can also be connected to Goodhealths direct settlement. This extensive network of hospitals gives you the benefit of settle you expenses directly through your membership card.

à la carte healthcare offers ‘menu-based’ healthcare insurance that recognises individual needs and gives customers the freedom of choice. We are a privately owned UK-based company, committed to providing tailored, quality health cover to expatriates and business travelers from any country. We pride ourselves on our dedicated personal service. You can rest in the knowledge that whenever you call, we’ll be there – every minute of every day. Our comprehensive schemes are underwritten by Allianz Worldwide Care Ltd. This reputable global insurer takes care of all claims handling, giving you the security and knowledge that you’re in expert hands.

à la carte healthcare offers ‘menu-based’ healthcare insurance that recognises individual needs and gives customers the freedom of choice. We are a privately owned UK-based company, committed to providing tailored, quality health cover to expatriates and business travelers from any country. We pride ourselves on our dedicated personal service. You can rest in the knowledge that whenever you call, we’ll be there – every minute of every day. Our comprehensive schemes are underwritten by Allianz Worldwide Care Ltd. This reputable global insurer takes care of all claims handling, giving you the security and knowledge that you’re in expert hands.

Aviva Global Protection is a personalised protection plan that works across international borders.

Arranged especially for internationally mobile people, Aviva Global Protection gives you uninterrupted protection - even if you relocate. You have peace of mind knowing that your financial needs and your family are adequately taken care of should the unexpected occur. The Aviva Global Protection is underwritten by Aviva Life Insurance Company Limited ("Aviva"), a fully owned subsidiary of Aviva plc. Aviva plc is the world’s 5th largest insurance group†, the biggest in the UK† and a leading provider of life, health and pension products to markets across Europe.

Our main activities are long-term savings, fund management and general insurance, with US$544 billion of assets under management (as at Dec 2005). The group draws on the talents of 58,000 employees serving 35 million customers worldwide.

When you live and work abroad, the security of the people you care about is a top priority, which is why life insurance should be an essential part of your long-term financial planning. With your needs in mind, William Russell has developed Global Life - a specialist life insurance plan for expatriates of all nationalities throughout the world.

Futura is an innovative lifetime protection policy. Its flexibility means it can accommodate changes to benefits as the circumstances of your life change. You can have peace of mind that at any stage in life, Futura can protect you and your family the way you want it to. What's more, its flexibility is every bit as important for tax planning and business insurance as it is in protecting our family.

Term Life Insurance
Help Protect Your Family with Competitive Term Life Insurance
For younger individuals and families, term life insurance is especially useful to support loved ones and help with financial obligations if you die prematurely. Transamerica Life (Bermuda) Ltd. and Transamerica Occidental Life Insurance Company provide flexible term life insurance policies with coverage through age 95 and competitive premiums.

Trendsetter Super Series
Trendsetter Super Series offers 10-, 20-, and 30-year guaranteed level premium term policies. 10-, 20-, and 30-year term policies feature:

Competitive underwriting classes and premiums

Guaranteed conversion to any universal life policy made available by the company to insured's age 70, available through the conversion rider

Age-last-birthday issue ages that help secure the best premiums (benefits applicants with birthdays more than six months ago)

Waiver of premium rider that waives your premium in the event ofqualifying total disability

Available Preferred Plus underwriting class that offers our most competitive premiums to the healthiest clients

Accelerated death benefit that provides funds for your needs during a terminal illness

Universal Life… the flexibility you want
Transamerica Life Bermuda offers universal life insurance policies to provide security for your family and help protect your legacy. These policies offer you several important benefits not available with term insurance:

Permanent coverage with guaranteed death benefit, provided that the policy is properly funded and remains in force.

Select and control the amount of your premiums.

The policy can accumulate cash value.

Policy owners can access the cash value in case of an emergency.

The Global Income Protection plan will provide you with a regular monthly income when an illness or injury prevents you from working. The income will start after a deferment period of three or six months. You select which deferment period you require when you apply for your plan.

You may apply for an annual income benefit of up to 75% of your annual salary, subject to a maximum annual benefit of £90,000 or US$144,000 or €144,000. You must be under 56 when you apply and you can renew your plan until you reach age 65.