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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   Find Your Managing Director

If you can't find your Managing Director or need assistance, call the MMSD Sales Desk at 1-800-601-9983. Select option 1, followed by option 2.


Overview    |  Products    |  Marketing Materials   

Overview

Products

Radius Choice®

A flexible disability insurance option that can be customized to meet a vast spectrum of customer needs.

    Product Snapshot

RetireGuard®

This 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

Business Overhead Expense (BOE)

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

    Product Guide

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

Radius® Transition Select

This product is tailored for individuals aged 65-70.

    Product Guide

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

MaxElect

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

    MaxElect 12
    MaxElect 13

Product Portfolio

Business man sitting in an office typing on a laptop

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

    Download PDF

Target Markets

A headshot of an Asian American woman

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

Marketing Materials

FOR CONSUMER USE ONLY

Disabled? Me? Never!

No one plans to become disabled. If the unforeseeable happens and you become too sick or hurt to work, individual disability income insurance can help protect a portion of your earned income for the things that matter to you.

Download PDF (English)

   Disabled? Me? Never! (Chinese)

FOR CONSUMER USE ONLY

Disability facts that may surprise you

These statistics show that over the course of a person’s life, it is not uncommon for one to become disabled. What may come as a surprise to many is not only causes of disabilities but the potential financial loss associated with a permanent disability.

Download PDF (English)

   Disability Facts That May Surprise You (Chinese)
   Disability Facts That May Surprise You (Korean)
   Disability Facts That May Surprise You (Spanish)

At some point in their careers, your clients may find themselves unable to work due to sickness or injury. MassMutual’s individual disability income insurance can help protect their income by offering:

  • Comprehensive coverage that can provide a monthly benefit if your client becomes totally disabled and unable to work due to a sickness or injury and are under a doctor’s care.
  • Flexibility that provides your client with options to tailor coverage for their specific needs.

Illustration – Comparison between small stack of dollar bills and large stack of dollar bills

Download PDF

Next Steps

Ready to get started?

Find Your Managing Director

Disability income insurance policies issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. Policies have exclusions and limitations. For costs and complete details of coverage call your agent or MassMutual at 1-800-272-2216 for a referral to an agent.