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Adviser Centre

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 MUTAL underwriting support guide (PDF: 52KB)  

Underwriting guides and common queries

To see our underwriting philosophy and specific guidance on many common conditions visit our pages below.

Underwriting guides and Common Queries

Underwriting and Claims Homepage

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.

Guide to our underwriting limits (Q41806) (PDF: 91KB)  


For guidance on past and future travel visit please visit our Residency page.

Height and Weight and BMI Calculator

For our philosophy on height and weight assessment please visit our Build page.

If your client's BMI is between 25 and 35, we will need to know their waist or dress size as this could affect the terms we can offer.

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.

Occupation Guide

Our Occupation guide provides a list of occupations and their occupation classes.

Occupation Class Guide (W7557) (PDF: 2056KB)  

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.

Hazardous Activities

For guidance on what we require please visit our Hazardous Activities page.

0370 333 3699


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.



If you have any feedback on our Underwriting and Claims pages, whether it is something you cannot find or something that is missing then please contact us.

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