Insurers ING Australia and Axa have strengthened their life offerings following feedback from financial advisers.

Four months after upgrading its flagship OneCare life insurance product, ING has made an additional 60 improvements automatically applied to new and existing customers.

The suite of changes includes broader protection for resource-related occupations, a two-tier disability definition allowing business owners to work up to 10 hours a week on full benefits and cover for blood-borne diseases.

Expiry interim cover has also been removed, while an early start on the 12-month waiting period for cover buyback has been installed.

Axa has upgraded terms for its life, trauma and total permanent disability insurance products.

More than 115,000 clients of Axa’s Elevate range will be upgraded, with the bulk of new additions in trauma insurance.

Higher maximum payments for conditions such as angioplasty have been included in trauma, while partial payments for “less severe levels of impairment” have also been added.