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    Are you looking for top-of-the-line coverage that is flexible and can be customized? Consider Disability Income Insurance from MassMutual. It provides a benefit when you are totally disabled, under a doctor’s care and cannot perform the main duties of your occupation due to an injury or sickness, and you are not working in any other occupation. But the benefits don’t stop there. Your policy is also completely portable and non-cancelable to age 65, and you may purchase an optional rider to customize your coverage to your specific needs. This rider is available at an additional cost. The following are descriptions only and other restrictions or limitations may apply.

    Extended Partial Disability Benefits Rider

    The Extended Partial Disability Benefits rider provides a benefit if, while still disabled, your return to work and as a result of the disability, you suffer at least a 20% loss of income compared to pre-disability income. The Extended Partial Disability Benefits rider can help cover the difference in income. This rider is not an optional rider in CA and is required by the CA Department of Insurance.

    This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 60.1 percent. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all the people with this policy.

    MaxElect® (Policy form XLS-ME-04 and XLS-ME-04 (NC) in North Carolina) is a disability income insurance policy issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. This policy has exclusions and limitations. For cost and complete details of coverage, please contact MassMutual at (877) 333-4369 and press “0” for assistance. If you reside in CA, please contact Jonathan Haddad at the same phone number. CA License #0G73581.

    Radius® (Policy form XL-GS-92) is a disability income insurance policy issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. This policy has exclusions and limitations, For cost and complete details of coverage, please contact Jonathan Haddad at (877) 333-4369, CA License #0G73581.

    MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.

    Principal Underwriters: MML Strategic Distributors, LLC and MML Investors Services, LLC, Members FINRA (www.finra.org) and SiPC (www.sipc.org). MML Strategic Distributors, LLC and MML Investors Services, LLC are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.

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