Medical Underwriting Technical Advice Line (MUTAL)
The Medical Underwriting Technical Advice Line (MUTAL) provides detailed explanations and answers to your pre-sale underwriting queries.
We will advise whether an application is likely to be accepted, rated or postponed/declined. We can advise what additional information we are likely to ask for in order for us to underwrite a case
To assist you further we have created a MUTAL underwriting support guide PDF file: MUTAL underwriting support guide PDF size: 52KB
Access the MUTAL document library
Underwriting common queries
To see our underwriting philosophy and specific guidance on many common conditions visit our pages below.
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.
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.
Our Occupation guide provides a list of occupations and their occupation classes.
PDF file: Occupation Class Guide (W7557) PDF size: 394KB
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.
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.
Monday - Friday 9am - 6pm (except Thursday 9:30). We may record and monitor calls. Call charges may vary.