Are you protecting your income? Presenter’s name Company: Date: How can you protect the asset you rely on the most – your income

What is income protection? Think of it as your personal safety net. With it, you’re more confident that you can maintain your lifestyle if a disability happens. You can focus on taking care of yourself, instead of worrying about how you’ll pay the bills.

Know the facts It won’t happen to me – I’m pretty active and expect to stay healthy 3 REALITY We can’t predict the future and what our health will be. Most disabilities are caused by unexpected illnesses, such as: Cancer Heart conditions Strokes.

Know the facts I already have coverage through my employer and/or the government 4 Individual Disability Income insurance is a great supplement to either or both of these plans REALITY The disability insurance you have at your job is a great start, but unfortunately, it’s not always enough to maintain your current lifestyle. The same is true for Social Security disability benefits, which can be challenging to obtain.

Disability insurance isn’t something I can afford Know the facts 5 REALITY Chances are you probably can. It’s designed to be flexible and can be customized to your specific needs and budget. In many cases, you can own a policy for as little as what many of us spend each month on daily cups of premium coffee or dinners out.

Individual DI Insurance A disability policy from Principal ® : Stays with you even if you change jobs Can’t be cancelled, unless you stop paying for coverage Guarantees your cost for coverage will not change until age 65 Can be designed to meet your budget and needs Works well on its own or with other solutions you may have 6 YOU are in the driver’s seat of securing your financial foundation.

Ready to get started? You don’t have to figure this out on your own. We can work together to determine how much income protection you need.

Review your coverage regularly 8 Pick a day you’ll remember Birthday Anniversary April 15 th Some things demand attention Marriage or divorce Birth or adoption of a child Paying off a large debt New job or promotion Death of a spouse

Thank you Principal Life Insurance Company, Des Moines, IA , Disability insurance has limitations and exclusions. For costs and coverage details, contact your Principal Life representative. No part of this presentation may be reproduced or used in any form or by any means, electronic or mechanical, including photocopying or recording, or by any information storage and retrieval system, without prior written permission from the Principal Financial Group ®. Insurance is issued by Principal Life Insurance Company, a member of the Principal Financial Group ®, Des Moines, Iowa Not a Deposit | Not FDIC or NCUA Insured | No Bank or Credit Union Guarantee | May Lose Value | Not Insured by any Federal Government Agency DI | 04/2016 | © 2016 Principal Financial Services, Inc.