Medical Underwriting Technical Advice Line (MUTAL)
The Medical Underwriting Technical Advice Line (MUTAL) provides detailed explanations and answers to your pre-sale underwriting queries.
It gives you access to our underwriting technical consultants to discuss your case prior to submission and help you manage your customers through this process.
We will advise whether an application is likely to be accepted, rated or postponed/declined. Also what additional information we are likely to ask for to allow us to underwrite a case*.
Examples of queries that we can help with:
- Help with residency queries
- Medical concerns
- Unusual occupations and hobbies
To assist in this process where appropriate please provide the following:
- Date - When did it happen?
- Diagnosis - What was wrong?
- Drugs - Name and dosage?
- Duration - How long did the illness/condition last?
To assist you further we have created a PDF file: MUTAL underwriting support guide PDF size: 52KB
Underwriting guides and common queries
Age Sum Assured Limits Table
To check if any evidence would be required based on the amount of cover your client is applying for and any existing cover they have with us that is to remain in force please look at our limits document below.
PDF file: Guide to our underwriting limits (Q41806) PDF size: 91KB
For guidance on past and future travel visit please visit our Residency page.
Height and weight and BMI calculator
For information on our philosophy on smoking please visit our page below.
If your client is using electronic cigarettes then they will be charged smoker rates if they have been used in the last 12 months.
Business protection calculators
Easy to use Calculators to help you work out the value of a Key Person, the value of a business and tax saving on a Relevant Life Plan.
Our Occupation guide provides a list of occupations and their occupation classes.
PDF file: Occupation Class Guide (W7557) PDF size: 2.1MB
If your client is looking to apply for Income Protection Benefit and is an occupation class 1 or 2, if they drive more than 20,000 business miles, this will affect the premium.
For guidance on what we require please visit our Hazardous Activities page.