Integrity Life has made a series of distribution appointments and rolled out product improvements in its retail business, which launched last month.

Liz Dzelmanis and Amie Pachos become business development managers (BDM) for the Sydney distribution team, responsible for establishing relationships with advisers and helping them guide clients through Integrity’s products and policies.

Ms Dzelmanis was formerly a BDM at ANZ OnePath and has worked at AIA, AMP and CommInsure. Ms Pachos was a BDM at CommInsure.

Voula Makris and Alicia Faour have been appointed Senior BDMs for the Victorian, Tasmanian and WA distribution team.

Ms Makris was previously a BDM at CommInsure, while Ms Faour was a BDM at ANZ OnePath.

Josh Lawrence has been appointed National BDM, moving from AIA.

Advisers can now nominate to split their commission with another adviser if they received a joint referral or are partners.

Clients have a choice of different vehicles in which to hold life cover, including superannuation. They can split and combine cover across personal, business, self-managed super fund and super, and take advantage of a 15% premium rebate.

Critical illness policies can now be reset after 12 months, with potential additional benefits on the cover.

Integrity is also offering reduced premiums for insureds who do not smoke or have preconditions, and who have a healthy body mass index.