Pre-sale underwriting tool

Get accurate indicative underwriting decisions at the touch of a button.
Pre-sale underwriting tool

Use your existing online service login, or register as a guest to get started.

We’re committed to making it easy to do business with us. That’s why we’ve created an online pre-sale underwriting tool – so, now you can get indicative decisions whenever it suits you.

When you log into either our pre-sale tool or quote and apply system, you can move between the two without the need to enter your login details a second time. This will save you time and make your online journey easier.

And our tool uses the same underwriting rules engine as our online service, so you can be certain that the indicative decision from the pre-sale underwriting tool will be the same as the final underwriting decision your clients get when they apply.

How does it work?

Step 1: Login to the tool using your existing online service email and password, or with Unipass. If you’re not registered for our online service yet, you can create a guest account which gives you access to our pre-sale underwriting tool for seven days.

Step 2: Enter your client’s age, gender and smoker status – we don’t need any other personal information.

Step 3: Select the cover type(s) and the criteria you want to check - such as BMI, family history, occupation, hazardous pursuits and a range of medical conditions - you’ll get a separate indicative underwriting decision for each cover type you choose.

The whole process only takes a few minutes. And our tool works on laptops, tablets and mobiles - so you can use it when you’re out and about. Just login to get started 

An indicative decision straight through to a quote

If you want to go ahead with the terms offered in the tool, simply click 'Continue to Quote' on the acceptance screen. This will take you through to our quote and apply screens without the need for further login information.

What if I’d rather speak to my underwriter?

You can still speak to one of our underwriters directly to check pre-sale inquiries if that’s what suits you best – we’ve developed this new tool to give our advisers more choice in how they do business with us.

As our pre-sale tool uses the same underwriting rules engine as our online service, we need to make sure it’s kept on the same secure system – that’s why we ask you to login using your existing online service email and password, or with Unipass.

Can't find what you're looking for?

If you need help, please speak to your usual Royal London contact, or call us on 0345 6094 500.

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.