Radius Choice®

Radius Choice

By choosing a MassMutual® Radius Choice disability income insurance policy, clients have access to a strong base policy and some of the most comprehensive additional features and riders to help them customize a disability income protection policy that is as unique as they are.

Non-cancellable Coverage

A Radius Choice disability income insurance policy from MassMutual is non-cancelable to age 65. This means that, as long as the premiums are paid on time, MassMutual will not cancel the coverage or increase the premium. Coverage additions will increase premiums.

Some companies offer “guaranteed renewable” policies where rates can be changed on a class basis. These types of policies are often less expensive, but there is no guarantee the premium will not increase in the future.

Definition of Disability — Own Occupation vs Any Occupation

It is important to obtain a disability income insurance policy that defines total disability in terms of a client’s own occupation. Insurance companies have different definitions as to what qualifies as a total disability.

For instance, some companies will pay benefits if the insured cannot perform the main duties of his/her own occupation, while others will only pay benefits if the insured cannot perform the duties of any occupation.

A MassMutual Radius Choice disability income insurance policy provides total disability coverage for the insured’s occupation. If the insured is disabled from his/her own occupation but is capable of working in a different occupation, he/she can still qualify for benefits provided he/she is not working.1