Pressure from brokers has led Bennett Gould & Partners to relaunch its accident, sickness and unemployment (ASU) product to offer separate cover for client needs.
Bennett Gould operations manager John Plackett said brokers had asked for a "more flexible" product which offered clients the choice of cover, for example, just disability or unemployment.
Plackett said: "From what brokers were saying, we knew that we needed to be more flexible or our market would suffer."
In the past ten days, Bennett Gould has notified 3,000 brokers of the new product's options.
The product also gives brokers an increased commission rising from 20% to 25% of the monthly premium (net of IPT) if the full ASU protection is sold. The rate for separate disability or unemployment cover remains 20%. Bennett Gould has also varied the claim excess period, offering either 30 days or 60 days.