MassMutual makes it easier to protect a portion of your income while you get your career off the ground.
You’ve made an investment in yourself. And if you are like most young professionals, you are looking forward to having that investment pay off. But what would happen if you became too sick or hurt to work? Since you are just getting your career started, your ability to generate an income may be considered your most important asset. As such, Massachusetts Mutual Life Insurance Company (MassMutual) makes it easy for you to help protect a portion of your income with disability income (DI) insurance.
Starting Professional Program
Through our Starting Professional program, certain applicants in their final stages of training, or in the first two years of professional practice, may be eligible for special issue limits based on anticipated income.
For more information, please contact:
Financial Sales Representative
CA Insurance License #OG60868
Patricia Ward, LUTCF
Financial Services Representative
CA Insurance License #OG72810
1 CAT rider available at an additional cost. Not available in CT. CAT Rider provides benefits that cover up to 100% of pre-disability earned income when combined with base policy. Except in CA, the rider provides benefits if the insured suffers: 1) a Presumptive Disability as defined by the policy, 2) the inability to perform two Activities of Daily Living (ADLs), or 3) a severe cognitive impairment. (Total disability is required for #2 and #3). In CA, the rider provides benefits only if the insured incurs a presumptive disability which includes: Loss of speech; or Loss of hearing in both ears; or Loss of sight in both eyes; or Loss of use of both hands, both feet, or one hand and one foot.
2 RetireGuard rider available at an additional cost. Not available in NJ. RGR can help replace an amount equal to the retirement plan contributions (including both the employee’s and employer’s contributions) that would have been made to a client’s eligible defined contribution plan if he/she had not become disabled. It is not a retirement plan, nor a substitute for one.
Policies have exclusions and limitations. For costs and complete details of coverage, call your agent or MassMutual at 1-800-272-2216 for referral to an agent. Radius [Policy Form XL-IS-92 and XL-IS-92(NC) in North Carolina] is issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.