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:
To assist in this process where appropriate please provide the following:
To assist you further we have created a MUTAL underwriting support guide (PDF: 52KB)
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.
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.
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.
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.
Monday to Friday 9.00am to 6.00pm.
(With the exception of Thursday's when they open at 9.30am)
We may record and monitor calls. Call charges will vary.