Pre-sale support

Pre-sale underwriting support

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

MUTAL can advise whether an application is likely to be accepted, 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. An explanation about the medical conditions we cover and their underwriting outcomes can be found in .

When you call, we’ll need to know the four 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.
Duration – How long did the medical issue last?