Bright Grey and Scottish Provident are to launch enhanced income protection products by the end of October 2013.

The UK protection businesses of the Royal London Group clam improved products will make it much easier for customers to claim.

This will be due to the firms Extending the availability of the full own occupation definition, as well as introducing a new alternative definition for the remainder of customers who work full time who aren’t offered the full own occupation definition.

The two businesses will also remove the work task definition and replacing it with a modern alternative.

Hugh McKee, CEO, intermediary division at Royal London, said: “We recognise that when it comes to income protection policies own occupation is the most valuable level of cover, that’s why we want to make it available to as many people as possible. We anticipate that our enhanced products will provide wider cover and opportunities for more claims to be paid by us.

“We’ve analysed the needs of our customers and intermediaries to create a product that will meet their needs both now and in the future.

“We’re very excited about unveiling the improvements we’re making and look forward to overcoming the issues associated with customers’ understanding of what they are and are not covered for.”