Medical conditions

We've included a list of the most common conditions in alphabetical order below. This includes an overview of each condition, including signs and symptoms, as well as providing an indication of what would be helpful to include on the application form.

For an indication of the underwriting decision that might apply for a medical condition please see our Guide to Underwriting, or our Pre-sale underwriting tool below. Please note that all underwriting decisions are subject to us receiving a fully completed application form and any additional information obtained.

Where we can we'll make a decision based on information provided on the application form.  If additional medical information is needed to assess a medical condition we'll usually try to obtain it from the customer in the first instance. We'll  request evidence from a customer’s doctor only when absolutely necessary.

Our underwriters are happy to discuss individual applications or provide an indication of the terms that might apply. You can contact our underwriting team either by phone: 0345 609 3601 (Monday to Friday 8:00am to 6:00pm) or by email at

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.