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There are 5 twelve-letter words containing UTUAL

DEMUTUALISED	• demutualised v. Simple past tense and past participle of demutualise. • DEMUTUALISE v. of a mutual institution, to become a public company, also DEMUTUALIZE.
DEMUTUALISES	• demutualises v. Third-person singular simple present indicative form of demutualise. • DEMUTUALISE v. of a mutual institution, to become a public company, also DEMUTUALIZE.
DEMUTUALIZED	• demutualized v. Simple past tense and past participle of demutualize. • DEMUTUALIZE v. of a company, esp. a building society or other financial institution, to convert from a mutual company to one owned by stock- or shareholders, also DEMUTUALISE.
DEMUTUALIZES	• demutualizes v. Third-person singular simple present indicative form of demutualize. • DEMUTUALIZE v. of a company, esp. a building society or other financial institution, to convert from a mutual company to one owned by stock- or shareholders, also DEMUTUALISE.
MUTUALNESSES	• MUTUALNESS n. the state of being mutual.

Scrabble words — in black are valid world wide — in RED are not valid in North America — in GREEN are valid only in North America.
Definitions are short excerpt from the 1Word.ws and WikWik.org.

See this list for:

English Wiktionary: 10 words
Scrabble in French: 7 words
Scrabble in Spanish: 1 word
Scrabble in Italian: 3 words
Scrabble in German: no word
Scrabble in Romanian: 3 words

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