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.