An insurer has introduced a new product that employers can use to protect workers against the threat of catastrophic illness.

Unum Group Corp., Chattanooga, Tenn., says the new group critical illness insurance program can protect workers against the risk of conditions such as cancer, heart attack, stroke or major organ failure.

One feature will pay out more benefits of the same insured suffers from separate, unrelated critical illnesses.

Another, optional feature will pay additional benefits if an insured suffers from a covered condition, recovers, then suffers a recurrence of the same condition after a specified period.