Types Of Disability Insurance
Radius Choice
Fully underwritten disability insurance available to professionals, business owners (large or small) or corporate executives purchasing coverage on an individual, employer-endorsed or employer-pay basis. Radius Choice is available in all states.
RetireGuard
RetireGuard can help participants replace an amount equal to the retirement contributions that would have been made had they not become totally disabled. It is available as a rider on a Radius or Radius Choice policy or as a stand-alone policy.
Executive Select Program
The Executive Select Program is for 5A and 4A executives who earn $800,000 or more annually. The program carries an additional premium and allows for non-cancellable individual disability income insurance coverage in excess of our current Issue and Participation Limits. Coverage can be issued to your clients that currently have up to $20,000 of existing MassMutual or other individual disability income coverage.
Business Overhead Expense
Available to small-business owners. Reimburses the business owner for overhead expenses in the event that he/she is disabled and cannot pay the covered overhead expenses of his/her business because of a decrease in income due to disability.
Disability Buy/Sell
Disability income insurance for professional and nonprofessional small-business owners to provide funds for purchase of the insured’s share of ownership in the event that he/she becomes totally disabled. Not available in CA, NY or FL.
