Zurich Life is revamping its critical illness product to offer three tiered cover including protection for serious accidents.
The critical illness product is split into three levels offering basic, comprehensive or comprehensive plus cover.
The basic and comprehensive products cover a range of core critical illnesses plus permanent total disability.
The comprehensive plus product guards against illness and serious accidents. It pays the full sum assured if the policyholder is in hospital for 30 days or is physically unable to work for six months.
The product can include life cover and has the option of reviewable or guaranteed premiums.
There are also three options for the benefits to be paid. It can be paid at a fixed level throughout the term, it can be inflation protected or can reduce in line with a repayment mortgage.
Zurich is offering IFAs commission of 120 per cent of Lautro.