Part of our guide: Disability Income Insurance: Solutions, Tools and Guides →
Many clients stall on disability insurance because they don’t know how much they need. The M.U.G. plan cuts through that with one simple question.
Key takeaways
- The M.U.G. plan sizes coverage to three essentials: Mortgage, Utilities, and Groceries.
- It’s more affordable than comprehensive coverage and still protects the basics.
- It opens the door to clients who would otherwise buy nothing, and can be increased later.
One question sets the benefit: “How much do you spend each month on your mortgage, utilities, and groceries?”
The concept
Instead of starting with a percentage of income, start with the bills that must be paid no matter what. The M.U.G. plan provides enough monthly benefit to cover:
- Mortgage (or rent)
- Utilities
- Groceries
Why it works
Clients understand these numbers immediately, so there’s no confusion about the right amount. The premium is lower than a comprehensive plan, which makes a yes easier. And once the client owns coverage, it’s a natural path to reviewing and increasing it as income grows.
Using it in your practice
Ask for the three monthly numbers and we’ll recommend a design. We also have a customizable M.U.G. marketing flyer; contact your marketing representative. For price-sensitive clients, see avoiding sticker shock.
Frequently asked questions
How much disability insurance do I need?
At minimum, enough to cover essentials like housing, utilities, and food. Comprehensive plans typically aim for 60–70% of income.
What is the M.U.G. plan?
A disability insurance approach that sizes the benefit to cover mortgage, utilities, and groceries.
Is a smaller disability policy worth it?
Yes. Covering essential bills is far better than no coverage, and many policies can be increased later.
Reviewed by Tim Fuller on 2026-09-25
Tim Fuller
President, SRS Inc.
Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.
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