1. Protect What Matters Most: Life Insurance Made Simple Name, title, designation(s) The Principal Financial Group  Date

2. PROTECT WHAT MATTERS MOST Before investing, carefully consider the investment option objectives, risks, charges, and expenses. Contact a financial professional or visit principal.com for a prospectus or, if available, a summary prospectus containing this and other information. Please read it carefully before investing. The subject matter in this communication is provided with the understanding that The Principal ® is not rendering legal, accounting, or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements. Insurance products from the Principal Financial Group ® (The Principal ® ) are issued by Principal National Life Insurance Company (except in New York) and Principal Life Insurance Company. Securities offered through Princor Financial Services Corporation, 800/247-1737, member SIPC. Principal National, Principal Life and Princor ® are members of the Principal Financial Group, Des Moines, IA 50392. 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 ®. Copyright © 2015 Principal Financial Services, Inc. BB10008-03 I 12/2015 | t151125008y

3. PROTECT WHAT MATTERS MOST Before investing, carefully consider the investment option objectives, risks, charges, and expenses. Contact a financial professional or visit principal.com for a prospectus or, if available, a summary prospectus containing this and other information. Please read it carefully before investing. The subject matter in this communication is provided with the understanding that The Principal ® is not rendering legal, accounting, or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements. Insurance products from the Principal Financial Group ® (The Principal ® ) are issued by Principal National Life Insurance Company (except in New York) and Principal Life Insurance Company. Securities offered through Princor Financial Services Corporation, 800/247-1737, member SIPC. Principal National, Principal Life and Princor ® are members of the Principal Financial Group, Des Moines, IA 50392. is not an affiliate of any member company of the Principal Financial Group ®. 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 ®. Copyright © 2015 Principal Financial Services, Inc. BB10008-03 I 12/2015 | t151125008y

4. Family WHAT MATTERS MOST TO YOU? PROTECT WHAT MATTERS MOST Friends Home Travel Entertaining Hobbies Volunteering Career Church Shopping

5. DO YOU HAVE A PLAN FOR THE FUTURE? Nearly 2 out of 3 American workers feel they’re behind schedule in planning and saving for retirement. Source: Principal Financial Well Being Index SM Life Insurance Supplement, 2nd Quarter 2014

6. IF SOMETHING HAPPENS TO YOU, WILL YOUR LOVED ONES BE SECURE? 1 in 3 Americans would feel the financial impact of the loss of a primary income earner in just one month. Source: 2015 Insurance Barometer Study, Life Happens and LIMRA

7. FOUNDATION OF FINANCIAL SECURITY PROTECT WHAT MATTERS MOST Financial security can be achieved when built on a solid foundation.

8. Why most people buy life insurance:  Funeral expenses  Income replacement  Pay off mortgage and/or other debt LIFE INSURANCE PROTECTS WHAT MATTERS MOST PROTECT WHAT MATTERS MOST

9. Life insurance can also be used for:  Retirement savings  Business protection  Charitable legacy  Estate planning  An emergency fund in the event of chronic or terminal illness LIFE INSURANCE FOR THE LIVING PROTECT WHAT MATTERS MOST

10. LIFE INSURANCE AFFORDABILITY 80% of consumers overestimated the cost of life insurance. Source: 2015 Insurance Barometer Study, Life Happens and LIMRA

11. Term:  Short-term needs  Typically less expensive Permanent:  Long-term and lifetime needs  Builds cash value you can use while living TYPES OF LIFE INSURANCE PROTECT WHAT MATTERS MOST

12. The advantage of taking action:  You’ll never be younger.  You (may) never be healthier.  Older, less healthy people are more expensive to insure.  Even they could have better rates today if they’d locked in their prices when they were younger and healthier. THE TIME IS NOW PROTECT WHAT MATTERS MOST

13. WE’RE HERE TO HELP PROTECT WHAT MATTERS MOST Calculate your life insurance needs: www.principal.com/lifeneeds Learn more: Your Guide to Life Insurance

14. Easy as… Set and prioritize goals. Set and prioritize goals. Create a plan. Create a plan. Take action to implement your plan. Take action to implement your plan. Monitor progress, and review regularly. Monitor progress, and review regularly. STEPS TO FINANCIAL WELLNESS PROTECT WHAT MATTERS MOST 1 2 3 4

15. TAKE ACTION TODAY Your future depends on what you do today. To protect what matters most, there’s really no better time to get started. PROTECT WHAT MATTERS MOST

16. Q&A Questions? PROTECT WHAT MATTERS MOST

17. THANK YOU Presenter name Contact info - phone Contact info – email Contact info - website BB10008-03 I 12/2015 | t151125008y