Royal London improves pre-sale underwriting tool
Royal London, the UK’s largest life, pensions and investment mutual, has improved its pre-sale underwriting tool to widen the scope of medical conditions covered from 60 to over 3,600. This change to a more flexible customer journey will make it easier and faster for advisers to get indicative underwriting terms.
Advisers can choose to continue to use existing functionality to select from the 60 most commonly disclosed medical conditions during their online journey. However, now, depending on individual client requirements, the new search function will also allow advisers to look across all conditions within the online rules that generate a decision, increasing the search to include 3,633 medical conditions.
Craig Paterson, Chief Underwriter at Royal London, said: “We are always looking at ways we can improve the underwriting service we offer advisers, and we believe this enhancement will mean they will be able to offer their clients a much clearer view of the likely underwriting decision, and any underwriting requirements that may be needed.
“We understand conversations on health conditions can be sensitive and by improving our pre-sale journey we hope these conversations will become easier.”
The usage data will be collected to continually refine and improve the tool going forward.
For further information please contact:
Patricia Corrigan, PR Manager
About Royal London
Royal London is the UK's largest customer-owned life, pensions, and investment company, and one of the top 30 mutuals globally*. With over 160 years of heritage and no external shareholders, we're able to take a long-term view, focusing on supporting better outcomes for our customers.
Today, Royal London looks after 8.4 million life and pension policies, with £212 billion of assets under management and over 5,000 colleagues**. In 2026, we shared £199 million of our profits with approximately 2.4 million eligible customers.
We invest in partnerships that reflect our values, including being the only Founding Partner of the first British & Irish Lions Women's Team, supporting women's and girls' rugby across grassroots and elite levels to help develop the next generation of players and coaches. All driven by our commitment to doing what's right for our customers.
Royal London works for you.
Discover more at royallondon.com.
*Based on total 2024 premium income. International Cooperative and Mutual Insurance Federation Global data, 2026.
**Figures quoted are as at 30 June 2026.
