Royal & Sunalliance (RSA) has simplified the free cover limits on its group income protection schemes to bring greater transparency to consumers and financial advisers.

The free cover limits for income protection is now shown as an amount of the member's salary, rather than an amount of benefit.

In addition, RSA will disregard additional cover for pension contributions and employers' national insurance contributions for evidence of health purposes. This would have the effect of increasing the real value of evidence of free cover limits by up to 50%.