October 6, 2025

2025

Our reimagined disability Business Overhead Expense (BOE) insurance product offers a combination of feature-rich protection, flexibility and competitive pricing to help small business owners preserve the value of their business and promote employee loyalty.

What is BOE?
BOE is one of our premier individual disability insurance (DI) products that helps business owners keep the lights on and ensure continuity of their business if they become too sick or hurt to work for an extended period.

Covered expenses include but are not limited to:

Why MassMutual’s BOE?
Review our MassMutual BOE insurance flyer for more information on how our product stands out in these key areas:

Product upgrades
Review what’s new with our DI BOE and why it matters.

Premium: New BOE premiums will be lower by 15%, on average and the dividend scale will be updated to align to the Radius Choice dividend scale.
Partial Disability Rider³: Enhanced to align to ICC insurance interstate compact standards, providing more liberal benefit amounts.
Business Loan Protection Rider (BLPR)^3,4: A new rider which will provide a monthly reimbursable benefit during periods of total disability for business loan repayment; one rider per loan, up to three BLPRs per policy.
Future Insurability Option Rider (FIO)^3,5: Increased coverage limits.
Benefit Increase Rider (BIR)⁵: Coverage increase option like Radius Choice BIR; no-premium alternative to the optional FIO.
Right to Apply (RTA) base policy provision: Built-in coverage increase option like Radius Choice RTA for fully underwritten coverage increases
Compact-approved policy: Uniformity in 44 member jurisdictions.

Marketing materials
Marketing materials for the new BOE policy and everything DI are available on the MMSD DI Marketing Hub.

Key dates and transition rules

After August 21 until December 19: Existing BOE policies issued and paid for 60 days prior to October 20, may be eligible to be replaced with the new BOE policy until 60 days from October 20.
October 6: Sales illustrations for the new BOE policy will be available.
October 19: Applications for the current BOE policy must be signed by this date. The current BOE policy is not available for sale after October 19, 2025.
October 20: Applications for the new BOE policy are available. Applications signed on or after this date must be for the new BOE policy. Refer to the state availability chart.
January 17: Illustrations for the current BOE policy are available until this date to support policy delivery. This is 90 days after the last date for applications to be signed (October 19, 2025).

Review the complete transition rules for more information.

MMSD new DI BOE launch call
October 23 | 9:00 – 10:00 am CST
Register today to join Josh Lubas, Roland Fawthrop, Christopher Coburn, and Vinny Seaha to learn about our reimagined DI BOE insurance product’s combination of feature-rich protection, flexibility and competitive pricing.

Register Now

1 Currently, with the sale of a new BOE policy, dividends are illustrated to become payable annually after the 5th policy year (6th policy year for FL.) Dividends are not guaranteed.
2 The dividend rate is determined annually and subject to change, and may vary.
3 Available for an additional cost.
4 Business Loan Protection Rider coverage is not a form of Credit Insurance. Reimbursable benefits are not paid directly to the Lender, may not equal the loan’s minimum payment(s) required, and do not guarantee against loan default. MassMutual is not a party to any loan agreement between the Insured and the Lender.
5 The BOE policy can be issued with either a Benefit Increase Rider (BIR) or Future Insurability Option Rider (FIO), but not both. An FIO can be added to an existing BOE policy, but a BIR cannot. If an Insured has another BOE policy with a BIR or FIO rider, they will not be eligible for any additional BIR or FIO riders.

State variations will apply, and the policy will not be available in CA, MT and NY.