Assurant Intermediary has altered the underwriting of its Home Protector and Income Protector insurance products.
In January last year the specialist general insurance provider began underwriting short-term ASU products at the point of sale, bringing ASU in line with the way all other personal lines of insurance products are underwritten.
Kevin Paterson, Sales & Marketing Director, said: "We've since conducted a thorough review of the performance of both products by analysing the claims experience and pricing structure."
Alterations to both products include individual year, age-banding categories and smaller increments in benefit steps.
Paterson said: "Both products can now be further tailored to each individual customer's own risk profile.
"This improved flexibility means that each customer's policy more accurately reflects their own individual needs and circumstances."
Home Protector covers a maximum monthly benefit of 120% of mortgage or rental payments or up to £3000 (whichever is the lowest), and Income Protector covers up to £3000 of income.
Accident, sickness and unemployment benefits are available for 12 months, with the option to increase accident and sickness benefits to 24 months. Both products are annually renewable.
