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TPMG Disability Income Insurance

Preserving the fruits of your labor and accumulated savings should be a top priority for you and your loved ones. At Kaiperm, we collaborate with Tony Delumen, an experienced financial planner from MassMutual Northern California, to guide our members in safeguarding their assets and understanding effective strategies for asset protection.

Introducing Radius Choice® an individual Disability Income Insurance (DI) policy offered by Massachusetts Mutual Life Insurance Company (MassMutual®). In the unfortunate event that illness or injury prevents you from working for an extended period, Radius Choice can step in to replace a portion of your income. Additionally, take advantage of our multi-life premium discounts1 to save money.

TPMG Disability Income Insurance benefits

  • Non-cancellable coverage to age 65
  • Rates that can’t increase
  • Portable coverage
  • Ability to increase coverage as your income increases 2
  • Protection against a partial disability 2,3
  • Protection to help continue making student loan payments 2,4,5

Brochure – PDF

1 Group discount availability is subject to change.
2 Riders are available at an additional cost except the Automatic Benefit Increase Rider and the Benefit Increase Rider
which are available at no additional cost.
3 The Extended Partial Disability Benefits Rider is required in California.
4 Not available in NY.
5 For Total Disability only. Before deciding whether to purchase the Student Loan Rider, you should consider any provisions of your student loan(s) that may allow for deferment, discharge or forgiveness of the debt, for example, discharge for total disability, public service loan forgiveness, teacher loan forgiveness or income-driven replacement.
6 Ratings as of 4/1/2024: A.M. Best Company — A++, Fitch Ratings — AA+, Moody’s Investors Services — Aa3, and Standard & Poor’s — AA+. These ratings apply to Massachusetts Mutual Life Insurance Company (MassMutual) and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. Ratings are subject to change.

New York Policies: 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 60.5 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.

Policies have exclusions and limitations. State variations will apply. For costs and complete details of coverage call me or MassMutual at 1-800-272-2216. Radius Choice (policy form XLGS-RC-15 et al., XLGS-RC-16(FL) and ICC1 5-xLGS-RC in certain states including North Carolina) is issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.

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