East Sussex-based Berkeley Alexander has launched a new income protection product.
Income Safetynet is a stand-alone product, not tied to a mortgage or other loans.
It is underwritten at Lloyd's and is available to both employed and unemployed people between the ages of 18 and 61.
Managing partner Ted York said: "With changing work patterns there is no such thing as a job for life. State provision is minimal and in most cases non-existent. Therefore unemployment protection ought to be an essential purchase for most people once they have insured their lives and health. It will allow agents to earn valuable non-FSA commissions."
Every day 500 people in the UK are made redundant. Of these, 60% of unemployed men and 45% of unemployed women will be unemployed for six months or more.