Underwriting Enhancements

Non-U.S. citizens living full-time in the U.S. now will be considered for DI insurance if they are in specific occupational classes, plan to remain in the U.S., and don’t frequently travel abroad.  

Review the Non – U.S. Citizen DI Underwriting Guidelines for full details, including instructions to submit the Foreign Supplement (F6290) with the application. Guidelines can change at any time. 

We have enhanced DI insurance underwriting guidelines for the entertainment industry, removing restrictions like the 180-day minimum elimination period and the 10-year maximum benefit period, to provide a potential for increased coverage.  

Underwriting requirements include stable employment, tax returns, and contracts demonstrating consistent work hours.

Entertainment Industry – DI Underwriting Guidelines contain detailed information, including a hypothetical example and full requirements.  

It also is easier for business owners to qualify for an enhanced occupational class and obtain individual DI insurance at a lower cost. 

Eligible business owners must work full-time, year-round, and meet criteria such as years of ownership, manual duties, percentage of sales, ownership percentage, income levels, and number of employees. 

Business Owner Underwriting Program contains complete criteria, eligibility details, and disclosure that MassMutual reserves the right to discontinue the program at any time. 

Further info:

Refer to the DI Insurance Reference Manual for fully underwritten business.