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Instead of having a disability disrupt your financial plans, make sure disability income insurance is a part of your financial plan. This could enable you to stay in your home, and continue with your other obligations including sending your children to college.
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| MassMutual's FlexElectsm Individual |
| A disability income insurance solution that's affordable and flexible, this policy helps to protect you throughout your life as your needs change - such as when you get a raise, get married, buy a house or have children. It offers various options for retirement contribution protection, partial and/or return to work benefits, to keep pace with inflation and with your unique and changing needs. Riders and options providing additional coverage are available at an extra cost. However, policyowners may benefit from a variety of policy discounts. |
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| For those individuals who want comprehensive coverage with a wide variety of options including retirement contribution protection (at additional cost), this is our top-of-the-line product that offers excellent benefits that can be flexible in design when benefits are more important than cost. What's more, a permanent 10 percent spousal discount may be available. |
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| If you become totally disabled before reaching retirement age, you may not only lose your ability to earn an income, but you may also lose the opportunity to accumulate additional funds for retirement. We address this need with a stand-alone policy or rider at an additional cost. It's not a retirement program, nor a substitute for one. Instead, it's a way to help ensure that you continue to make retirement contributions so funds are available to you when you reach the age of retirement. |
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| If you purchase life insurance protection from us, we can also provide basic, low-cost disability income insurance. |
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Radius (Policy form XL-IS-92, XL-AS-92, or XL-GS-92 and XL-IS-92(NC), XL-AS-92(NC), or XL-GS-92(NC) in North Carolina), RetireGuard (Policy Form XL-IS-92 with EDI-10 and XLS-ME-04 with EDI-10 and XL-IS-92(NC) with EDI-10 and XLS-ME-04(NC) with EDI-10 in North Carolina), FlexElect (Policy form FEI-01, FEA-01, or AP-01 and FEI-01(NC), FEA-01(NC), or AP-01(NC) in North Carolina) and Axis (Policy form Axis-98) are disability income insurance policies issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001and have exclusions and limitations. For cost and complete details of coverage, please call your agent or MassMutual at (800) 272-2216 (press 3) to be referred to a representative in your area.
RetireGuard can be issued to participants of defined contribution plans on a stand alone basis or as a rider on a disability income contract (Radius®, MaxElectsm or FlexElectsm) for an additional cost. RetireGuard is not a retirement or pension plan or a substitute for such a program. Benefits are paid directly in to a trust, not into an employer sponsored retirement plan. Trust assets may be tax deferred depending on the investment option(s) you choose. Trust services are provided by The MassMutual Trust Company, FSB.
DI policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for a Radius policy is 50.1 percent and the expected benefit ratio for a RetireGuard policy is 50.1 percent. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all the people with these policies.
Axis and MassMutual's FlexElect are not available in the state of New York. |
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| Need help, fast? MassMutual has a range of online service and support options ready to help you. |
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| For additional information call our toll-free number: 1 (800) 272-2216, option 3; Monday-Friday 8:00a.m. - 8:00p.m.(ET) |
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A confidential on-line resource for overall well being.
If you are not a DI or LTC policyholder, click here for more information.
Existing DI or LTC customers can log in using the button below. If you have forgotten your registration code, you can find it on your policyholder materials or contact your customer service representative at 1(800) 272-2216. |
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| Are you looking to address financial concerns related to a particular event in your life? Prepare to meet any of life's challenges and see how the MassMutual Financial Group companies can help. |
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| Please enter a ZIP code or a city and state to locate a sales office near you. |
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