Do you know the facts? Individual disability insurance: Family Feud style Must be in Slide Show mode for the game to work properly. Each slide has a question and three answers. The question will appear first. Once a player gives the correct answer click next to the number so that the box with the answer appears. I recommend printing out the slides with the notes so you know the correct answers. Rules of the game: Every wrong answer is a strike, and each team is allowed one strike per question. After a wrong answer (e.g. a strike), game play turns over to the other team. For each question, the controlling team has the opportunity to pass or play. If the team decides to play, then they will try to win the question by having each team member in turn provide an answer to the question until they clear the board or get a strike. If the question is a hard question, then passing is often a good strategy. In the event of a strike, the other team has a chance to take over game play and "steal" the question. Each correct answer is worth a points value. The team with the most points at the end wins.

DI8630-02 | 01/2017 | © 2017 Principal Financial Services Inc. Disability insurance from Principal® is issued by Principal Life Insurance Company, Des Moines, IA 50392. Disability insurance has limitations and exclusions. For costs and coverage details, contact your Principal representative. No part of this presentation may be reproduced or used in any for or by any means, electronic or mechanical, including photocopying or recording, or by any information storage and retrieval system, without prior written permission from Principal®. Principal, Principal and symbol design and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group. DI8630-02 | 01/2017 | © 2017 Principal Financial Services Inc.

What are the leading causes of a disability? 1 Musculoskeletal disorders 2 Cancer Question – What are the leading causes of a disability? Answers Musculoskeletal disorders Cancer Injuries 3 Injuries Source: Council for Disability Awareness, May 2015 (http://blog.disabilitycanhappen.org/top-ten-causes-of-disability/) 3

What are some disability-related expenses consumers could face? 1 Medical costs not covered by insurance 2 In-home care Question – What are some disability-related expenses consumers could face? Answers Medical costs not covered by insurance In-home care COBRA premiums 3 COBRA premiums 4

What are three common disability insurance myths? 1 Serious accidents or injuries create most disabilities 2 Disability insurance is the same as workers’ compensation Question – What are three common disability insurance myths? Answers Serious accidents or injuries create most disabilities Disability insurance is the same as workers’ compensation Social Security covers (all) disabilities 3 Social Security covers (all) disabilities Source: Council for Disability Awareness, July 2016 (http://blog.disabilitycanhappen.org/disability-insurance-myths/) 5

What do employees say are their top financial concerns? 1 Not having enough emergency savings for unexpected expenses 2 Not being able to retire when they want to Question – What do employees say are their top financial concerns? Answers Not having enough emergency savings for unexpected expenses Not being able to retire when they want to Not being able to meet monthly expenses 3 Not being able to meet monthly expenses Source: PwC Employee Financial Wellness Survey, April 2016 (http://www.pwc.com/us/en/private-company-services/publications/assets/pwc-2016-employee-wellness-survey.pdf) 6

What are some common reasons consumers give for not having enough disability insurance? 1 “I won’t need it – I won’t become disabled.” 2 “I can’t afford it” or “It’s not worth it.” Question – What are some common reasons consumers give for not having enough disability insurance? Answers “I won’t need it – I won’t become disabled.” “I can’t afford it” or “It’s not worth it.” “I have other coverage so I’m adequately protected.” 3 “I have other coverage so I’m adequately protected.” 7

Who are the top recipients of Social Security benefits? 1 Retired workers – 40.7 million people 2 Disabled workers – 8.9 million people Question – Who are the top recipients of Social Security Benefits? Answers Retired workers – 40.7 million people Disabled workers – 8.9 million people Survivors of deceased workers – 6.1 million people 3 Survivors of deceased workers – 6.1 million people Source: Social Security Administration Fact Sheet, June 2016 8

What are the top three factors business owners consider when managing their employee benefit programs? 1 Affordability of benefits 2 Attracting the right employee Question – What are the top three factors business owners consider when managing their employee benefit programs? Answers Affordability of benefits Attracting the right employee Offering competitive benefits 3 Offering competitive benefits Source: 2015 Principal Financial Group Business Owner Survey 9

When asked about financial priorities, business owners said these were their top three concerns: 1 Business protection 2 Income protection Question – When asked about financial priorities, business owners said these were their top three concerns: Answers Business protection Income protection Health and wellness 3 Health and wellness Source: 2015 Principal Financial Group Business Owner Survey 10

DI8630-02 | 01/2017 | © 2017 Principal Financial Services Inc. Thank you DI8630-02 | 01/2017 | © 2017 Principal Financial Services Inc.