MassMutual Announces Disability Insurance
Radius Choice® and RetireGuard® Occupational Class Upgrades

MassMutual has announced multiple occupational class upgrades. This will help reduce your premium by 10-30% depending on your profession.

5A/3 TO 5A/5 UPGRADES

Occupation Current Class Updated Class
Account Executive 5A/3 5A/5
Actuary (FSA, ASA, FCA, ACA, MAAA) 5A/3 5A/5
Architect (Bachelor’s Degree, Office and
Consulting Only) 5A/3 5A/5
Attorney 5A/3 5A/5
Banking Executive 5A/3 5A/5
Banking Officer 5A/3 5A/5
Career Agent/Broker (over $250k in Earned
Income) 5A/3 5A/5
Chartered Financial Analyst Earning over
$250k 5A/3 5A/5
Computer Systems Analyst 5A/3 5A/5
Corporate Executive (well-established firm
whose occupation not listed in the occupation
schedule. Office duties only, ≥ $250,000 and
5 yrs. experience.) 5A/3 5A/5
CPA 5A/3 5A/5
Data Manager 5A/3 5A/5
Data Scientist 5A/3 5A/5
Economist (PHD, 90% office duties) 5A/3 5A/5
Engineer (Office and Consulting Only) 5A/3 5A/5
Engineer (Registered professional RPE,
office duties only) 5A/3 5A/5
General Agent (over $250k income) 5A/3 5A/5
Hedge Fund Manager (over $250k) 5A/3 5A/5
Hospital Administrator/Executive 5A/3 5A/5
Industrial Products Salesperson earning
over $250k 5A/3 5A/5
Information Security Specialist 5A/3 5A/5
Manufacturer’s Representative Earning over
$250,000 (soliciting orders, no delivery,
dealing with business only, net income in each
of last 2 yrs.) 5A/3 5A/5
Pharmaceutical Sales Earning over $250k 5A/3 5A/5
Printing and Publishing Executive 5A/3 5A/5
Sales Manager Earning over $250,000
(salaried, executive duties, incidental travel
only, 3 yrs. experience)5A/3 5A/5
Salesperson Earning over $250k (Automobile
Industry,) 5A/3 5A/5
Scientist PHD Office or Lab only 5A/3 5A/5
Stock/Bond/Commodity Broker or trader, not
floor, $250k+ for 3 yrs, 5 yrs in business, not
managing own account5A/3 5A/5
Telephone Industry Executive 5A/3 5A/5
Venture Capitalist earning over $250k 5A/3 5A/5
Web Developer/Engineer/ Architect/Designer
(holding a degree in computer science, or 5 yrs exp) 5A/3 5A/5

4A TO 4A/3 UPGRADES

Occupation Current Class Updated Class
Claims Examiner/Underwriter 4A 4A/3
Guidance Counselor 4A 4A/3
Lobbyist 4A 4A/3
Mortgage Underwriter 4A 4A/3
Psychotherapist 4A 4A/3
School Psychologist M Ed Ed 4A 4A/3
Teacher Min 5 years exp and/or master’s degree 4A 4A/3

ALL OTHER UPGRADES

Occupation Current Class Updated Class

Social Worker LCSW/MSW
(No home visits) 4A 5A
Clergy/Pastor/Minister/Rabbi 3A 4A
CRNA 3A 4A
RN Supervisor
(less than 10% manual duties) 2A 3A
Nurse Practitioner 3A 4A
Optician 3A 4A
Perfusionist 3A 4A
Physician’s Assistant primary care to include
internal, general practice and family medicine 4A 5A
Physician’s Assistant all others 4A 4A
Real Estate Developer IC 4A
Other Accountants 4A 5A
Superintendent of Schools 4A 5A/3
Principal/Asst Principal 4A 5A
Select Office Worker/Office Executive/
Office Manager

Select Sales and Financial Professionals/
Sales Manager

Hedge Fund Manager, Stockbroker,
Venture Capitalist $250K+ IC $250K+ 5A/5
$200,001
– $250,000 IC $200,001
– $250,000 5A

$150,001
– $200,000 IC $150,001
– $200,000 4A
All others IC All others 3A

Consultant

$100K+ 4A $100K+ 5A
$100K and
below 4A $100K and
below 4A

Chartered Financial Analyst

$250K+ IC $250K+ 5A/5
$200,001
– $250,000 IC $200,001
– $250,000 5A

$150,001
– $200,000 IC $150,001
– $200,000 4A
All others IC All others 3A

HR Manager 4A

Over $150K
and 5 years
experience
All Others

5A
4A
Investment Banker 4A 5A
Teacher – All Others 2A or 3A 4A

For more information about occupational class upgrades or to request a quote, contact Set for Life Insurance today!