New conditions include heart surgery with surgery to divide the breastbone, respiratory failure of advanced stage and terminal illness before age 65. Conditions now covered total 33.
L&G has also increased the maximum free limit to £500,000, and has added the option for a 14-day survival period.
The maximum benefit for spouses and registered civil partners ha sbeen increased to £150,000, and the maximum benefit for all employees for new voluntary plans has been increased from £150,000 to £250,000 benefit.
These improvements are available immediately for all new L&G group CI policyholders and current policyholders can take advantage at their next rate review.
L&G benefits and medical underwriting director for group protection Vanessa Sallows says: “As market leader, we think it’s important that we continue to refresh and update the product to reflect today’s requirements.”