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Types Of Disability Insurance

Individual

Radius & 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 except CA, CT & PR.  The Radius product is sold in states where Radius Choice is not available.

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Learn More on Radius Choice

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.

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MassMutual Income Protection Option

An individual disability income (DI) insurance policy made available with a streamlined application process when applying for a Whole Life or Term Life Insurance policy from MassMutual. Not available in CA, CT, NY, PR or VT.

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    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.

     

    Small Business Owner

    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.

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    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.

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