1. Life/DI Combo: Total Risk Protection 1 The Principal Financial Group® Life/DI Combo Total Risk Protection

2. Life/DI Combo: Total Risk Protection 2 LIFE INSURANCE Provides a tax-free death benefit to help ensure your loved ones are financially covered – even if you aren’t there. Two ways to protect clients income and financial foundation INDIVIDUAL DISABILITY INCOME (DI) INSURANCE Provides a tax-free “living” benefit to help cover daily expenses if you become too sick or hurt to work. For financial professional use only. Not for distribution to the public.

3. Life/DI Combo: Total Risk Protection 3 THE REALITY Clients can purchase Life and DI for less than $45/month.* THE FEAR Americans don’t have life and disability insurance because they believe that it will be “TOO EXPENSIVE”. *A healthy male, age 35, can purchase $250,000 of term life insurance for less than $19 a month and $1,000 of monthly disability insurance for less than $26 a month. For financial professional use only. Not for distribution to the public.

4. Life/DI Combo: Total Risk Protection 4 Top Five Reasons to Sell Life and DI Together 1.Helps protect clients and loved ones cover unpredictable expenses and risks. 2.Brings diversity to your portfolio offering. 3.Solutions are available in sought-after markets (business owners, high net-worth clients, etc.) 4.Doubles your sales, increases your margins and provides better traction with your clients. 5.If your aren’t offering these solutions to your clients, someone else will! For financial professional use only. Not for distribution to the public.

5. Life/DI Combo: Total Risk Protection 5 Talk to your clients about both life and DI insurance Prepare proposals and applications for each type of coverage – When possible, use Accelerated and Simplified Underwriting for faster and easier underwriting. Request a Life and DI combo TeleApp – Let our experienced Principal TeleApp counselors take care of the medical questions and details for you. – The underwriting teams will work together to provide fast service. – Policies will be issued to you when underwriting is complete. Then deliver the policies! 888-TeleApp (888-835-3277) Monday – Thursday: 7 a.m. to 10 p.m. CT Friday: 7 a.m. to 7 p.m. CT principal.com/TeleApp For financial professional use only. Not for distribution to the public.

6. Life/DI Combo: Total Risk Protection 6 Accelerated Underwriting for Life General Qualifications Eliminates blood, urine and medical exams for Preferred and Super Preferred underwriting risks Between ages of 18-60 Face amount from $50,000 - $1 million No major medical conditions (as listed on BB11642) Build falls within the Build Chart (as listed on BB11642) Principal Accelerated Underwriting SM is an expedited program offered by Principal Life Insurance Company. Applicants may qualify based on age, face amount and personal history. For financial professional use only. Not for distribution to the public.

7. Life/DI Combo: Total Risk Protection 7 Simplified Underwriting for DI General Qualifications An expedited underwriting program for ages 18-50 (may be available for higher ages). 2 No blood, urine, EKGs, APSs or prescription history check 3 No financial verification (for annual incomes less than $150,000 4 ) 2 Available to issue ages 18 to 64 when purchasing coverage in a multi-life setting (three or more employees with a common employer). 3 Unless a significant medical condition is reported by MIB, significant medical information is obtained from the TeleApp or other available information, or any other disability coverage that has been issued or applied for on a non-medical basis. A prescription history check may be required for physicians. Applications could be rated, ridered or declined based on all underwriting information available. This is not a guaranteed issue program. Urine/HIV test is required in ME. Subject to issue and participation limits and minimum premium requirement. 4 Financial documentation is required for the following occupations (regardless of income): real estate agent/broker, mortgage loan originator/broker, residential construction, real estate developer, attorney specializing in real estate and residential construction contractor. For financial professional use only. Not for distribution to the public.

8. Life/DI Combo: Total Risk Protection 8 1.Review the eligibility requirements of both types of insurance with your clients to ensure they are a good candidate. 2.Complete an application for Life or DI insurance. 3.Order a combo TeleApp (medical questions) direct, or through The Principal® using your Producer Report. 4.Request a QuickQuote/DI Preliminary request for the other line of business using: 1.A cover sheet, memo or agency transmittal, OR 2.An email to the assigned underwriter or case coordinator. Double clients risk protection in half the time How it works: For financial professional use only. Not for distribution to the public.

9. Life/DI Combo: Total Risk Protection 9 Underwriting evaluates the formal application you submitted. If eligible for Principal Accelerated Underwriting (AU) or Simplified DI Underwriting, the underwriter forwards the QuickQuote/DI Preliminary request to the other line of business and shares the applicant’s information. If you wish to take advantage of the QuickQuote/DI Preliminary request, submit a formal application for the other line of business product (if Life underwriter approves AU, submit DI application; if DI approves Simplified, submit Life application). Double clients risk protection in half the time What happens next: For financial professional use only. Not for distribution to the public.

10. Life/DI Combo: Total Risk Protection 10 Underwriter indicates it doesn’t qualify for AU or Simplified DI. No QuickQuote request will be fulfilled. Any required exam appointments and additional requirements can be scheduled by you or The Principal according to your normal process. A traditional application decision is made. The underwriter will not request a QuickQuote/DI Preliminary request from the other line of business. Double clients risk protection in half the time If a case doesn’t qualify for AU or Simplified UW: For financial professional use only. Not for distribution to the public.

11. Life/DI Combo: Total Risk Protection 11 Offer a Financial Strategies review Look to your book of business for sales opportunities Expand your market to grow your business. Best practices Combo Life and DI For financial professional use only. Not for distribution to the public.

12. Life/DI Combo: Total Risk Protection 12 QUESTIONS? For financial professional use only. Not for distribution to the public.

13. Life/DI Combo: Total Risk Protection 13 Applicants may qualify for Accelerated Underwriting from The Principal based on age, face amount and personal history. Accelerated Underwriting is available on Term, universal life, indexed universal life, variable universal life (VUL), survivorship universal life or Benefit VUL II (NY only) products. Disability insurance has limitations and exclusions. Principal National Life Insurance Company, Des Moines, Iowa 50392-0001, www.principal.comwww.principal.com Insurance products from the Principal Financial Group (The Principal) are issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co., Des Moines, IA 50392 For financial professional use only. Not for distribution to the public. NOT FDIC or NCUA insured. May lose value – Not a deposit – No bank or credit union guarantee Not insured by any Federal government agency LH146 | 07/2015 | t15071401yz