Medical underwriting limits

We'll ask your client to take certain medical tests depending on the amount of cover they want.

Select a type of cover and age range to show the tests relevant for each age group.


  • GPR = General Practitioner's Report
  • PMR = Paramed (nurse examination)
  • MER = Medical Examiner's Report (doctor examination)
  • ECG = Stress Electrocardiogram (resting and exercise)
  • Bio-chem = Full Blood Profile (including biochemistry + haematology)
  • PSA = Prostate Specific Antigen for men
  • Paramed and medical examination report will include a cotinine test for all non-smokers.
  • The ages used are current age attained.
  • The maximum amount of Critical Illness Cover or Life or Critical Illness Cover available is £3,000,000.
  • The maximum yearly amount of Income Protection available is £250,000. 

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.