Medical & Legal Professionals

Protect Your Practice and Yourself

You work hard to build your practice and give your clients the best possible care.  And in your career, you may have seen the consequences a disability can cause.  How would a disabling illness or injury affect you - your career, the people who rely on you at work, and the people who rely on you at home?

Disability Income insurance can help you be prepared for the unexpected. Florida Financial Group has coverage that can help meet your needs, including:


  • Non-Cancelable to age 651 – The policy will not be cancelled provided premiums are paid on time and premium rates will not change provided you make no change to your coverage.


  • Definition of Total Disability – Due to sickness or injury, the insured cannot perform main duties of his/her occupation and is not working in another occupation. The insured must be under a doctor's care. (Definition of Total Disability is different in CA, and may vary in other states.)


  • Recovery Benefits – A feature of our Extended Partial Disability Benefits rider2, provides additional income if the insured is able to return to work and, as a result of the disability, suffers at least a 15% loss of pre-disability income with a guaranteed 3% indexing annually.


  • Return to Work Benefits – Available through the Group Supplement Disability Benefits Rider2, provides benefits to supplement benefits received from the insured's group LTD plan during a partial disability.


  • Dividends – Dividends are currently illustrated to become payable for participating disability income insurance products after the 5th year (6th year in CA, FL and PR). Any dividends that may be allocated will be paid in cash to the premium payor. Dividends are not guaranteed.


Although you can't avoid the risk of a disability, you can be prepared with a disability income insurance policy designed for you. 

Email me for a free quote or for more information. 

1 Disability Buy-Sell is conditionally renewable to age 65.

2 Riders are optional and available at an additional cost.

Disability incone insurance policies isssued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.  Policies have exclusions and limitations.  Policies and riders are subject to state availability.

Tracy Martin Pick is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC.  Member SIPC (  Florida Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies.  301 E. Pine Street, Suite 800, Orlando, FL 32801.  407-992-0530.


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