1. EXPLORING YOUR FINANCIAL PRIORITIES Disability Protection Presented by: [name], [title]

2. Handout Follow along during the presentation Consider and record your priorities –1 = most important –9 = least important Complete the information about your business Discuss your priorities with a financial advisor

3. BUSINESS NEEDS Disability Protection

4. Business Protection If you or another owner became too sick or hurt to work, would your business be able to pay expenses like employee salaries and utilities? *Commissioner’s Disability Insurance Table A; assume owners are age 37 and disability occurs before age 65.

5. Business Protection Would your business be as successful as it is today if a key employee could no longer work? Key employees are those who are critical to the livelihood of the business.

6. Exit Planning Have you established a contingency plan for transferring your business? *”How Priorities Align with Practice”, Principal Financial Group, November 2012. Get started today with a complementary informal business valuation and buy-sell review from Principal Life.

7. Debt Protection Have you considered how you would continue to make business-related loan payments if you became too sick or hurt to work? Types of loans to consider protection Purchase of an existing business Purchase of a large piece of equipment Expansion of the business Facility renovations and improvements Purchase of a building used solely for the business

8. PERSONAL NEEDS Disability Protection

9. Income Protection If you were too sick or hurt to work, would you be able to meet personal financial obligations without draining business profits? *Gen Re, U.S. Individual DI Risk Management Survey 2011, based on claims closed in 2010.

10. Retirement Income Are you protected in the event you could no longer save for retirement due to a disability? Would you be able to retire when and how you planned? Assumptions: $2,000 contributions beginning at age 30, 5% rate of return and age 65 retirement. Consequences of a permanent disability at age 40, without DI Retirement Security.

11. Survivor Income Will your spouse and beneficiaries be able to maintain their desired standard of living after your death? Could they afford: Their home Tuition Utilities

12. EMPLOYEE BENEFIT NEEDS Disability Protection

13. Employee Benefits Have you considered offering highly compensated and/or key employees additional benefits? *”The Principal Financial Well Being Index: American Workers”, Principal Financial Group, 4 th quarter 2013.

14. Employee Benefits Have you reviewed you benefit offering to ensure it is competitive in the marketplace and satisfies the needs of your employees?

15. More Coverage for Less Assumptions: Employer-paid, Alabama residents, nonsmokers, 90-Day Elimination Period, To Age 65 Your Occupation Period, Residual Disability and Recovery Benefit rider (on DI policies) and 3% Cost of Living Adjustment rider (on DI policies); OE–18-month Benefit Period. Business Owner: 4A-M occupation class, $140,000 annual income, to Age 65 Benefit Period Employee 1: 2A occupation class, $35,000 annual income, 5-year Benefit Period Employee 2: 2A occupation class, $60,000 annual income, 5-year Benefit Period 2 Sex-distinct rates. 3 Gender-neutral rates.

16. FOR MORE INFORMATION [name] [title] [company] [email] [phone] Disability Insurance has certain limitations and exclusions. For costs and complete details of coverage, contact your Principal Life Representative. Policy and rider descriptions are not intended to cover all restrictions, conditions or limitations. Refer to policies and riders for full details. Policies and riders are subject to state availability. Some riders are subject to an additional premium. While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that The Principal is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements. 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 issued by Principal Life Insurance Company a member of the Principal Financial Group ®, Des Moines, IA 50392, www.principal.comwww.principal.com DI9158 | 10/2014 | © Principal Financial Services, Inc.