Medical conditions

Where we can, we've provided an indication of the underwriting decision that might apply. However all underwriting decisions are subject to receipt of a fully completed application form and any additional information obtained.

We'll always try to make a decision based on information provided on the application form, but there are some medical conditions such as heart disease, stroke and cancer where we usually require medical information from a customer’s doctor.

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

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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.