“Advisers were very receptive to having the flexibility to offer their clients income protection split across two separate policies, one inside super and the other outside super,” CommInsure’s head of life product strategy Frank Crapis said.

“Split income protection offers a flexible structure allowing clients to get the best of both worlds. While offering income protection extras and benefits not available inside super, part of the premiums for the split cover can still be paid through super.”

CommInsure will continue its total and permanent disability (TPD) cover inside super when cover outside super ends under a split TPD arrangement.

CommInsure also overhauled its insurance range, relaxed expiry dates, added extended indemnity income protection policy and launched a new telephone system, with claimants now able to claim income protection over the phone.