Built for securing futures

Disability Insurance

Disability income (DI) insurance can help ease the financial hardship that often results from a loss of earned income due to a lengthy disability. Anyone who relies on their income is a potential candidate for disability income products.

All products and materials may not be approved for use in your firm. Products may not be available in all states.

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If you can't find your Managing Director or need assistance, call the MMSD Sales Desk at 1-413-744-1203.

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Explore products

Learn more about MassMutual’s disability insurance offerings and how they support client goals.

Access tools & resources

Find sales concepts, case studies, and marketing materials to support your conversations.

Connect

Reach out for support, strategy guidance, or help positioning MassMutual products.

MassMutual disability insurance offers essential protection

Help secure your clients’ future and protect the ones they love by protecting one of their most important assets --- their income. Use these resources to inform your clients, calculate their income protection needs, or start a good conversation. Our team is here to help.

Products

Radius Choice®

A flexible Disability Income (DI) insurance option that can be customized to meet a vast spectrum of customer needs.

Product snapshot (PDF)

RetireGuard®

This DI product can help replace an amount equal to the retirement plan contributions (including both the employee’s and employer’s contributions) that would have been made to a client’s eligible defined contribution plan if the client had not become totally disabled.

Product guide (PDF)

Business Overhead Expense (BOE)

This policy is designed for small business owners actively engaged in their business on a full-time basis.

Product guide (PDF)

Disability Buy-Sell

This product is designed for small business owners to provide funds for the purchase of the insured's share of ownership in the business in the event that the owner is totally disabled.

Product guide (PDF)

Radius® Transition Select

This DI product is tailored for individuals aged 65-70.

Product guide (PDF)

Radius Transition Select is not available in Florida, Minnesota, New Jersey, and New York.

MaxElect

MassMutual's premier multi-life DI contract, exclusively for multi-life cases with a Guaranteed Standard Issue (GSI) offer.

MaxElect 12 (PDF)
MaxElect 13 (PDF)

Product portfolio

Learn more about policy design, occupational classes, and waiting periods for MassMutual's disability insurance products.

Download (PDF)

Target markets

The ideal candidate for disability income insurance are those customers in professional and executive occupations with 5+ years of job experience who have minimal travel or manual duties. We are looking for healthy, active, non smokers.

Download (PDF)

Client engagement strategies

Built for creating opportunities

These featured sales ideas and case studies will enable you to have a conversation about disability income insurance, centered on client needs.

Thumbnail: Disabled? me? never.
Disabled? Me? Never. (PDF)

Remind clients that disability can happen to anyone—and that protecting their income is essential.

Thumbnail: Protecting your most valuable asset
Protecting your most valuable asset (PDF)

Show clients how disability income protection can help safeguard their ability to earn the foundation of every financial strategy.

Thumbnail: It’s time to envision your future
It’s time to envision your future (PDF)

Help clients picture a secure future by planning for income continuity in the face of unexpected health challenges.

Thumbnail: Keeping the lights on
Keeping the lights on (PDF)

Position disability coverage as the key to helping maintain lifestyle and meeting obligations when work isn’t possible.

Thumbnail: Taking a long-term view of disability income protection
Taking a long-term view of disability income protection (PDF)

Guide clients toward strategies that can help ensure lasting financial stability, even during extended periods of disability.

Thumbnail: Chances are, you have insurance on your life
Chances are, you have insurance on your life (PDF)

Highlight the importance of protecting income with disability income insurance—because most clients have life insurance, but few are prepared for a loss of earnings.

Visit our DI Marketing Hub for more



Industry updates

Introducing the Quick Connect with Josh Lubas, MMSD National Sales Manager for disability insurance. Watch this four-part series to hear Josh share insights and client strategies about protecting a client’s most valuable asset with disability income insurance.

Your Client’s Most Valuable Asset (1:12)

Quick Connect Part One: Your client’s most valuable asset.

Let’s secure more financial futures

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Find Your Managing Director

FOR FINANCIAL PROFESSIONALS. NOT FOR USE WITH THE PUBLIC.

MassMutual Strategic Distributors® is a division of Massachusetts Mutual Life Insurance Company.

Policies have exclusions and limitations. State variations will apply and policies may not be available in all states.

Disability income insurance policies issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.