Pre-sale Underwriting

Legal & General’s Medical Underwriting Technical Advice Line (MUTAL) for individual protection sales is unique in the market.

Operating to “assist and help educate” protection sellers and advisers, our contact centre operates a highly focussed, specialised service. Our team will provide you with an accurate indication of terms that can be offered to your clients – before the application is made.

Callers to MUTAL go through to an expert pre-sale underwriter who will make a decision based on the medical, financial, occupational and hazardous activity information, that you are able to provide based on your clients' circumstances.

Callers are given a unique reference that can be used to call us back with more information if required.

Alternatively online 'Indication of Terms' for single conditions including; BMI, Diabetes, Mental Health and more can be found via Agent Hub.

Pre-sale underwriting queries

If you have a client with a medical condition and you're not sure whether they can be covered by our individual protection policies, our Medical Underwriting Technical Advice Line (MUTAL) can help.

MUTAL can advise whether an application is likely to be accepted on standard terms, rated, postponed or declined.

They can also talk you through what additional information we are likely to ask in order for us to underwrite a case.

We’ll need to know the three Ds

Date: – When did the incident or diagnosis happen?
Diagnosis: – What is the medical issue?
Drugs: – What medication has been prescribed? Provide names, amount and strength of each one.

Large sums assured

For clients who require large sums assured, we offer an exceptional level of customer service and underwriting support through our Priority Protection Team.

Priority Protection

Key documents

PDF file: Underwriting Guide w14009 PDF size: 344 KB

PDF file: Medical evidence limit table (Q41806) PDF size: 91 KB

PDF file: Guide to underwriting hazardous activities PDF size: 195 KB

PDF file: Guide to occupational classes PDF size: 384 KB

Contact us

Medical Underwriting Technical Advice Line - 0370 333 3699

Monday to Friday 9am - 5pm.
We may record and monitor calls. Call charges will vary.

Email us

Multi-Pet Discount Terms and Conditions

This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.