Your paycheck is your most valuable asset. Protect it.
If illness or injury kept you out of work for months — or years — could your family keep paying the bills? MassMutual's disability income (DI) portfolio gives professionals, business owners, and groups six different ways to protect their income, their retirement, and their business.
The full MassMutual DI lineup
Six policies. One conversation to find the right fit.
Every situation is different — a solo dentist, a two-partner law firm, an executive maxing out a 401(k), an employer with 25 engineers. Here's a quick look at each MassMutual DI product and who it's built for.
Flagship individual DI
Radius Choice®
A highly flexible disability income policy that can be customized broadly to meet a wide range of customer needs.
Best for: Professionals with specialized occupations — doctors, attorneys, dentists, business owners — who need tailored own-occupation coverage.
Download product literatureRetirement contribution protection
RetireGuard®
Helps replace the retirement plan contributions (employee + employer) that would have been made to your eligible defined contribution plan if you became totally disabled.
Best for: High earners who don't want a long disability to derail their retirement savings.
Keep the lights on
Business Overhead Expense
Reimburses covered business expenses — rent, utilities, payroll, insurance premiums — so your practice or business can stay open while you recover.
Best for: Small business owners actively engaged in their business on a full-time basis.
Download product literatureSuccession protection
Disability Buy-Sell
Provides the funding partners need to buy out a disabled owner's share of the business under a buy-sell agreement.
Best for: Co-owned small businesses that want a clean, funded exit plan if one owner becomes totally disabled.
Coverage for ages 65–70
Radius® Transition Select
Lets you write disability income insurance on individuals aged 65 to 70 who are still actively working.
Best for: Professionals working past traditional retirement age who still need paycheck protection.
Multi-life / GSI
MaxElect
MassMutual's premier multi-life contract, available exclusively for multi-life cases with a Guaranteed Standard Issue (GSI) offer.
Best for: Employer groups and professional firms wanting to offer DI to employees with simplified underwriting.
How we'll help you choose
One short call. A clear recommendation.
We'll walk through your occupation, income, employer benefits, business structure, and retirement plan, then map you to the right MassMutual DI product (or combination) — and quote it.
Start a quote- Individuals & professionals → Radius Choice
- Want retirement contributions protected too → add RetireGuard
- Business owner with overhead → add Business Overhead Expense
- Co-owned business → Disability Buy-Sell
- Still working at 65–70 → Radius Transition Select
- Employer group / multi-life case → MaxElect (GSI)
Let's protect your income.
I'm Irwin Johnson with Johnson Benefit Group, an appointed MassMutual agent. Tell me a little about what you do — I'll tell you which MassMutual DI product fits and what it costs.
Disability income insurance products referenced — Radius Choice®, RetireGuard®, Business Overhead Expense, Disability Buy-Sell, Radius® Transition Select, and MaxElect — are issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, and its subsidiaries. Product and feature availability, definitions, riders, and pricing vary by state and by case. Johnson Benefit Group is an independent appointed agent and is not affiliated with MassMutual. This page is for informational purposes only and is not an offer of insurance.