Our Carriers
Disability Income Carriers You Can Trust
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MetroDI represents the industry's top disability insurance carriers, which allow us to tailor our recommendations to meet the specific needs of each client.
Our disability income specialists at MetroDI will conduct a comprehensive review of your client's medical history, financials, and occupational duties. Based on this thorough assessment, we provide multiple competitive quotes, ensuring your client receives the best possible product to protect their income.
MassMutual
- Occupational discounts available for many professionals
- Coverage available for military employees
- Individual coverage up to $50,000 over Group LTD
Lloyds of London
- High limit coverage above the usual issue and participation limits
- Specializes in coverage for professional athletes as well as other high-profile individuals
- Ability to insure individuals who are uninsurable with the traditional carriers
- Key Person replacement and Buy-Out available for unique situations
- Multiple Lloyds cover holders to ensure we get the most competitive offers for each individual client
The Standard
- Competitively priced for business owners with additional enhancements and discounts available
- Competitive pricing for medical professionals, especially those who fall into their top occupational classes
- Ability to stack multiple discounts, and raise occupational classes for even more competitively priced products
- Family care benefit built into the contracts
Principal
- Competitively priced for a variety of occupations including business and medical professionals
- Comprehensive suite of disability insurance products for personal, business and employee benefit needs
- Disability Buy-Out for a solo owner
- Unisex rates for government employees and non-medical multi-life groups
Assurity
- Competitively priced coverage for individuals in the blue-collar market
- Competitive critical illness insurance policy
- Coverage available for law enforcement and firefighters
- Return of premium rider available
- Graded benefit product available for individuals who are uninsurable in the traditional market
Ameritas
- Competitively priced for medical professionals as well as individuals in the non-medical space
- Occupational and e-discounts available
- Residual options with competitive pricing
- COBRA and Good Health benefits built into the contracts
Comparing Carriers
| MassMutual | Lloyds of London | The Standard | Principal | Assurity | Ameritas | |
|---|---|---|---|---|---|---|
| Noncancelable | ||||||
| Guaranteed Renewable | ||||||
| Own-Occupation | ||||||
| Residual Rider | ||||||
| Coverage to Age 65/67/70 | ||||||
| Catastrophic Rider |
| MassMutual | Lloyds of London | The Standard | Principal | Assurity | Ameritas | |
|---|---|---|---|---|---|---|
| Physicians | ||||||
| Business Owners | ||||||
| Blue & Gray Collar | ||||||
| Athletes & Entertainers | ||||||
| White Collar |
| MassMutual | Lloyds of London | The Standard | Principal | Assurity | Ameritas | |
|---|---|---|---|---|---|---|
| Individual DI | ||||||
| Overhead Expense | ||||||
| Buy-Out | ||||||
| Keyman Replacement | ||||||
| Retirement Protection | ||||||
| Business Loan Protection |
| MassMutual | Lloyds of London | The Standard | Principal | Assurity | Ameritas | |
|---|---|---|---|---|---|---|
| Multi-life Discount | ||||||
| Simplified Issue | ||||||
| Guaranteed Issue Plans | ||||||
| Medical Resident Plans | ||||||
| Business Owner Upgrade |