1. What if you couldn’t work?
Individual disability insurance for [company name] employees
Presenter name
Presenter title

2. This is an overview of the benefits of disability insurance, but there are limitations and exclusions. For cost and coverage details, contact your Principal® representative.
The testimonials presented here may not be representative of other clients’ experiences. It does not imply or guarantee benefits. Sherron and James Williams and Pat Harwood have not been paid for their testimonials.
This publication is intended to provide accurate and authoritative information in regard to the subject matter covered.  The accuracy of the information is not guaranteed and is provided with the understanding that 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.
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 Principal® .
Disability insurance from Principal® is issued by Principal Life Insurance Company, Des Moines, IA

3. Financial security starts with protecting your income.

4. Income protection is like your personal safety net.
With it you’re more confident that you can maintain your lifestyle if a disability happens.

5. Don’t take it from us, listen to real claimants:
If James had no coverage, we probably wouldn’t be in our house and would be closing the law firm. My kids would need financial aid to stay in school.”
Sherron Williams, Wife of Principal Claimant James Williams, Attorney
“I remember thinking ‘I wonder if we really should be spending money this way’ because surely
we will never use the benefits. Turns out, I don’t know how we would have paid our bills.
Pat Harwood, Teacher – Principal Claimant

6. Our claimants are among the lucky few who have income protection.
Fact: Only 1 in 3 households in the US have disability insurance.
2016 Insurance Barometer Study, Life Happens and LIMRA,

7. Disabilities can happen in ways we’d least expect…
Most disabilities are things we can’t see and are caused by common conditions like back pain, arthritis, depression and cancer.
Source: Principal Life Disability insurance active claims as of May The above is for illustrative purposes only and is not intended as a complete representation of all claims.

8. Individual Disability Income (DI) Insurance

9. What would you do if you no longer had an income
Savings? Retirement Accounts? Emergency Funds?
Family and friends?
Social Security Disability?
Loans from a bank or credit cards?

10. Individual DI Insurance
Replaces A PORTION OF lost income when a disability prevents an individual from working and earning an income.
BENEFITS | Helps you:
Maintain your current lifestyle without draining savings
Continue saving for retirement and future dreams
Provide for your family

11. Greater income protection
Sample – Annual Gross Income: $60,000
62% income replacement (post-tax)
100%
$5,000
80%
42% income replacement
$3,500
$1,000
60%
$3,000
40%
$2,100
$2,100
20%
[Note to presenter – if they don’t offer group coverage, simply remove this slide from the presentation]
Your employer provides a group long-term disability insurance program that helps you protect a base level of income. It covers 60 percent of your base earnings up to a ten thousand dollar monthly benefit cap. Any benefits you receive are subject to income taxes.
For many people, it makes sense to supplement that benefit with Individual Disability Income insurance. This policy wraps around your group benefits to help you protect more of your income. 0%
Monthly Income before taxes
Monthly Income after taxes
Group LTD Benefit (before taxes)
Group LTD Benefit (after taxes)
Group LTD benefit + Individual DI policy
Group LTD benefits of 60% up to $10,000/month, a $1,000 IDI benefit, and assuming a 30% tax bracket for Federal, State and FICA.

12. Income Protection Offer
For employees of [ABC Company]
Income Protection Offer
Receive a 20% discount1 on Individual DI insurance from Principal
Policy Features
Up to $6,000 in monthly benefits. Additional benefits may be available.
Premiums guaranteed to age 65
Portable policy and discount
Quick and easy application process – minimal medical requirements
Many optional riders
As an employee at [Company Name], you can receive up to a 20 percent premium discount on Individual Disability Income insurance from Principal Life Insurance Company. This coverage offers you up to six thousand dollars in monthly benefits. Those benefits and premium rates are guaranteed to age 65. Plus, the coverage is portable and goes with you if you ever change employers.
The application process for coverage is easy. Only minimal medical requirements are needed. And you can customize the policy with optional riders so you get the coverage that fits your need.
Daily premium for a DI policy with a $3,000 monthly benefit*
120% Multi-Life Discount based on unisex rates. For three or more dental or medical residents/fellows/interns/students from the same institution, use the Multi-Life Resident discount (based on sex-distinct rates) and excludes staff physicians.

13. DI9651-02 | 07/2018 | © 2018 Principal Financial Services, Inc.
Thank you
Name
Company
Phone
DI | 07/2018 | © 2018 Principal Financial Services, Inc.