top of page

Own Occupation Disability Insurance

For Guidance Counselors

High School, and not NY

Results will display after inputs are entered.

More options are available.  You'll want to see all options before making a decision, with this and other products, so there is nothing to select at this time.


You have to qualify, which is a matter of occupation, employment, earnings, lifestyle and health.  To find out what you are likely to qualify for, inquire below.

For lower costs and reduced medical screening, consider a group program.  It would be a completely different product, not the one you see here.  The minimum group size is two (2) people, working thirty (30) hours per week.  


Request group options

son piggybacking on father

Radius Choice

An overview of policy features and options.

For use in the following states: AL AK AR AZ CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

di2203rc rev 3-23

di2203ca consumer brochure for california

Radius Choice for California

An overview of policy features and options.

For use in the following states: CA

di2203ca 1224

woman holding young child in store

Choosing the Right Company

Highlights MassMutual's financial ratings, history of meeting financial obligations, and the value of a mutual company.

For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

di1904rc 1124

woman and child in kitchen

Extended Partial Disability Benefits Rider (EPR)

Highlights how benefits are triggered and calculated under the EPR rider, which provides benefits while disabled and working. EPR is available by optional rider, for additional cost.

For use in the following states: AL AK AR AZ CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

di2613 v624

female medical professional consult with parent and child

Protecting Your Medical Occupation

Overview of the own occupation definition of disability - with specialty language - for medical and dental occupations.

For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

di85001 rev 7-24

graduating college student in cap and gown

Student Loan Rider

An overview of the Student Loan Rider which protects income earmarked for student loan payments on highly affordable basis with more relaxed financial qualification.

For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

di1975 1-25

father reading to 3 year old son

Disability Facts that May Surprise You

Claims data from MassMutual, including causes and probability.

For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

di0058 v723

medical professional looking at clipboard

Your Guide to Filing a Disability Claim

A preview of what to expect to get a claim started, including how to start, what documentation is required, how long it takes, and other frequently asked questions regarding disability claims.

For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

di1938 4-24

privacy statement thumbnail

Important Privacy & Consumer Information

Privacy Practices, including MIB notice.

For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

N2000

How To Proceed

This will need to be further developed, as your personal qualifications will determine what is available to you, and at what cost.  The additional information required relates to:


  • How you work, including any specialized work you perform within your occupation and skill sets you depend on to perform at the top of your game.  To make this easy, you'll be prompted about specific things.

  • How established you are in your career

  • Career expectations, especially if a path to future upgrades is desirable

  • Earnings

  • Other existing disability coverage, if any

  • Lifestyle (e.g., travel habits, recreational activities)

  • Health

  • Where you are in this journey, including other inquiries, and

  • What underwriting requirements you prefer to avoid.



There are different ways to provide this information.  You can call, answer questions by intake form or send a note.  Health information cannot be provided using the intake form method.  You won't have to provide any information that you don't want to, and what you do share will stay just between us.  

or

I strive to acknowledge receipt within 15 minutes.

Rip Curtis

Disability Insurance Broker

bottom of page