Services Provided 0-90 Days

The New Business Team oversees all Life and Disability cases throughout the underwriting process. Our goal is to complete the New Business process within 90 days. The following responsibilities are handled by our team to ensure a smooth and efficient experience:

  1. Initial Review of the Application

  2. Application Data Entry (if needed)

  3. In-house Database Tracking

  4. Liaison Between Advisors, MassMutual Case Managers, and Underwriters

  5. Case Follow-up

  6. Underwriting Requirement Submission

  7. Reissues

  8. Release Policies for Advisor Delivery

  9. Reporting

  10. Delivery Requirements

Our team is dedicated to providing excellent service throughout the process, ensuring that all cases are handled promptly and efficiently.

Services Provided After 0-90 Days

Life and Disability Insurance Changes Overview

The following outlines the key life and disability insurance changes that are processed by the New Business Team:

Life Insurance Changes

  • In Force Conversions & Quotes

  • Smoker Changes

  • Rating Reviews (Table Ratings, Flat Extras, Exclusion Riders)

  • Increase to an Existing Policy

  • Decrease to an Existing Policy

  • Improve Risk Class

  • Change Death Benefit Options

  • Add / Remove Riders

  • Survey / Applications

Disability Insurance Changes

  • Occupational Class Change

  • Future Increase Options (FIO)

  • Disability Income Purchase Rider (DIPR)

  • Benefit Increase Rider (BIR)

  • Reconsideration of Exclusion and Substandard Ratings

  • Smoker Change

  • Decrease Benefit or Waiting Period

  • Increase Benefit or Waiting Period

  • Add / Cancel Riders

  • Reduce Monthly Benefit or Riders

  • Right to Apply (RTA)

This list outlines the different options and adjustments that can be made to both life and disability insurance policies, providing flexibility for clients to tailor their coverage as needed.