It includes two new optional protection benefits – Fracture Cover and Private Diagnostics – with access to Wellbeing Support and Rehabilitation Support Services available on income protection policies only.

Fracture Cover pays out if policyholders sustain a specified break, fracture, rupture, tear or dislocation.

Private Diagnostics gives clients access to specialists for serious illness consultations and non-invasive diagnostic testing. Both can be purchased as an add-on when taking out one of Legal & General’s core protection products – life insurance, life with critical illness cover, income protection and rental protection.

Craig Brown, director, intermediary insurance, Legal & General, said: “Like the reassurance of carrying a brolly in case of rain, our latest ‘Umbrella Benefits’ keep on working for clients behind the scenes, helping with the unexpected.

“In response to increased demand for comprehensive and tailored core protection products, Fracture Cover may provide peace of mind and a financial safety net should an adviser’s client get injured from a fall or accident.

“Meanwhile Private Diagnostics gives them that all important specialist support when faced with serious illness, gaining access to a specialist quickly.

“Both are available as optional add-ons via intermediaries, enabling intermediaries to offer even more choice through bespoke, personalised options to meet their individual client’s protection needs.”