Disability Income (Personal)
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
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Forms | 04/24/2024 | Click Here |
Producer Use Only | Multi-Carrier Underwriting Guide | 05/01/2024 | Click Here |
Consumer Use | “Perception is not reality” Consumer Video | 12/15/2023 | Click Here |
Consumer Use | “Disabled? Me? Never!” Consumer Video | 12/15/2023 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | Express DI Underwriting Criteria Producer Flyer | 12/15/2023 | DI1982 | Click Here |
Producer Use Only | Product Portfolio | 12/15/2023 | DI1900RC | Click Here |
Producer Use Only | Occupation Guide | 05/01/2024 | DI1075 | Click Here |
Producer Use Only | Radius Choice Producer Guide | 12/15/2023 | DI2209RC | Click Here |
Producer Use Only | RetireGuard Producer Guide | 12/15/2023 | DI1402 | Click Here |
Consumer Use | Protecting Your Most Valuable Asset Consumer Worksheet | 12/15/2023 | DI20007 | Click Here |
Consumer Use | The MassMutual Dividend Difference Consumer Brochure | 05/01/2024 | DI90056 | Click Here |
Consumer Use | “A Tale of Two Incomes” Consumer Flyer | 12/15/2023 | DI1910RC | Click Here |
Consumer Use | “Savings and Disability” Consumer Flyer | 12/15/2023 | DI1949RC | Click Here |
Consumer Use | “Protect your future income” Consumer Flyer | 12/15/2023 | DI1979 | Click Here |
Consumer Use | Radius Choice Consumer Guide | 12/15/2023 | DI2203RC | Click Here |
Consumer Use | “Understanding the Disability Income Insurance Gap” Consumer Flyer | 12/15/2023 | DI2622 | Click Here |
Consumer Use | Choosing the Right Company Consumer Brochure | 12/15/2023 | DI1904RC | Click Here |
Consumer Use | “Income Protection Realities” Consumer Flyer | 12/15/2023 | DI1947RC | Click Here |
Consumer Use | “It’s time to envision your future.” Consumer Brochure | 12/15/2023 | DI90040RC | Click Here |
Consumer Use | DI Claims Consumer Flyer | 12/15/2023 | DI1946 | Click Here |
Consumer Use | “Do you know the odds?” Consumer Flyer | 12/15/2023 | DI95032 | Click Here |
Consumer Use | “Chances are, you have insurance on your life” Consumer Brochure | 12/15/2023 | DI1971 | Click Here |
Consumer Use | “Disability facts that may surprise you” Consumer Brochure | 12/15/2023 | DI0058 | Click Here |
Consumer Use | “Disabled? Me? Never!” Consumer Brochure | 12/15/2023 | DI1940 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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