Radius Choice

Radius Choice is MassMutual’s premier disability income insurance policy with comprehensive benefit definitions and a wide variety of optional riders that make it ideal for
the highly compensated professional. It offers a choice of waiting periods and benefit periods
to customize the timing of benefits with the needs of the individual, providing the ability
to program around existing coverage or contain cost.

Issue Ages: 18-64

Occupation Classes: 5A/3, 5A, 5P/1, 5P, 4A/2, 4A/1, 4A, 4P, 3A, 3P/2, 3P, 2A, and A

Benefit Maximum: $500/month base or $300/month base with $200 GSR or $200 SIR

Available Riders: Automatic Benefit Increase Rider, Benefit Increase Rider, Catastrophic Disability Rider, Cost of Living Adjustment Rider, Extended Partial Disability Benefits Rider, Future Insurability Option Rider, Group Supplement Disability Benefits Rider, Own Occupation Rider, RetireGuard Rider, Social Insurance Rider, Short Term Disability Benefits Rider, Student Loan Rider

RetireGuard

RetireGuard will provide benefits to help cover the amount that would have been contributed to a defined contribution plan if the insured had not become disabled. The monthly benefit amount may include both the employee’s and employer’s contributions.

Issue Ages: 18-60

Occupation Classes: All

Benefit Maximum: Maximum based on current IRS Defined Contribution Maximums — see FieldNet for current limits

Available Riders: Cost of Living Adjustment; Future Insurability Option