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Help Topics: Login Guide

What type of product, service, or site from the Principal Financial Group® are you having trouble logging into?




Personal Accounts

When logging into a personal account, you will be able to access product information, including 401(k) and other retirement plans, mutual funds, medical, life, disability, dental, and vision insurance information.

Personal Accounts: First time logging in?

You can establish your username and password online. Here's what you can expect:

  • Enter your Social Security number and an account/contract number so we can look you up
  • Provide a few personal details so we can verify your identity
  • Enter the username and password you want to use to access your personal account(s)
  • Select and answer your security questions
  • Choose your login image and phrase

Get step-by-step instructions for establishing personal login credentials (PDF).

Note: The first time you log in after setting up you username and password, you'll need to also select a login image and phrase.

Personal Accounts: Forgot your username or password?

  • If you forgot your username, you can find out what it is online. You'll provide some personal information that will help us verify your identity. Once we've verified your identity, we'll show you your username.
  • If you forgot your password, you can reset it online. You'll provide your username and answer some questions. Once we've verified your identity, you can reset your password and login.

Personal Accounts: Want to change your login information?

You may also change your login information by selecting the "Your Profile" link in the Tools box on the left once you are logged in.

Still need help with personal accounts?

  • Call us:
    • Retirement plan participants call 1.800.547.7754
    • Mutual fund clients call 1.800.222.5852
    • Customers with any other personal product call 1.800.986.3343

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Employer/Business Accounts

When logging in as an employer, you'll be able to administer retirement plans, group medical insurance, disability, life and vision insurance for your business.

Employer Accounts: First time logging in?

If you will be the Primary Administrator, establishing your login credentials online is a three-step process.

  1. Establish your username and password. Here's what you can expect:
    • Enter your ID and a Product/Contract Number so we can look you up
    • Provide a few personal details so we can verify your identity
    • Enter the username and password you'll want to use to access your employer/business account(s)
  2. Request your employer access code. You will need to use your employer access code every time you log in as an employer on principal.com.
  3. Select your login image and phrase. Your login image and phrase is a security feature that protects you against fake/phishing sites. The first time you login with your username, password and employer access code, you will need to select your login image and phrase. You will then see your login image and phrase each time you login.

If you need to access the site but will not be the Primary Administrator, ask your Primary Administrator to give you access as a Secondary Administrator.

Employer Accounts: Forgot your username, password or employer access code?

  • If you forgot your username, you can find out what it is online. You'll provide some personal information that will help us verify your identity. Once we've verified your identity, we'll show you your username.
  • If you forgot your password, you can reset it online. You'll provide your username and answer some questions. Once we've verified your identity, you can reset your password and login.
  • If you forgot your employer access code, you'll need to request a new access code. For security reasons, you can't choose what your code is and you can't use the same employer access code you've had in the past.

Employer Accounts: Want to change your login information?

Employer Accounts: Having trouble with your employer access code?

What kind of trouble are you having?

  • Not receiving the email? Here are some tips:
    • Allow enough time for the email to get to your inbox. Although we send it within seconds of the request, it may take 5-10 minutes to receive the email (based on your company's internal set up).
    • Check your "junk" or "spam" folders to see if the email has been flagged as spam. If this is the case, add the email address to your "safe senders" list.
    • Check to make sure your inbox is not full.
    • Verify with your company's email administrator that emails from our domain (principal.com) are not being blocked by the company's email filters.
  • Getting an error when clicking on the link in the email?
    • How long has it been since you requested your access code? The link in the email is only good for 90 minutes and is only good for one use (once you click on the link, log in and see your access code, you can not reuse the link within the email to view it again).

Employer Accounts: Getting other error messages?

  • You may need to use your Enterprise ID or Alternate ID instead of your Social Security number
  • Make sure you are using the correct username. Your username is not your account, plan, or contract number

Employer Accounts: Still need help?

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Financial Professional Website

When you sell and service products for the Principal Financial Group, you'll be able to view client account information and access sales tools online through Principal eFinancial ProfessionalSM.

Financial Professionals: How to request access

Financial Professionals: First time logging in?

The Principal enhanced security for Financial Professionals in December 2012. These features better protect the identities and personal information of you and your clients online. They also help to ensure you are at a Principal Financial Group website and not a fake or phishing website. More about these enhancements.

NOTE: Financial Professionals must complete this one-time process once prompted:

  • Set up a login image and phrase. You will see your login image and phrase each time you log in to ensure you are at a Principal Financial Group website.
  • Select and answer security questions that can be used later for identity verification (when resetting a password, for example).
  • In order to align our systems to take advantage of the security enhancements, some Financial Professionals will be prompted to establish a new username and password before accessing the website.

Get step by step instructions for Financial Professionals

Financial Professionals: Forgot your username or password?

  • If you forgot your username, you can find out what it is if we have your email address in our records. Once we've verified your identity, we'll send your username to the email address we have on file.
  • If you forgot your password, you can reset it online. You'll provide your username and answer some questions. Once we've verified your identity, you can reset your password and login.

Financial Professionals: Want to change your login information?

Financial Professionals: Need additional help?

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Provider Services

As a dental or vision provider working with the Principal Financial Group, you'll be able to administer your patient's dental and/or vision benefits online with the Principal Provider Service CenterSM.

Provider Services: First time logging in?

  • If you will be the Primary Administrator for your provider's Tax ID number, you'll need to register here to get started
  • If you need to access the site but will not be the Primary Administrator, ask your Primary Administrator to give you access as a Secondary Administrator

Provider Services: Forgot your username or password?

Provider Services: Want to change your login information?

Provider Services: Need additional help?

Please call us at 1.800.621.6280 for assistance.

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Bank Accounts

If you have products through Principal Bank, you can access all your bank account information online.

Bank Accounts: First time logging in?

Bank Accounts: Have a question?

Bank Accounts: Still need help?

Call us:

  • Individuals with bank products call 1.800.672.3343
  • Business banking clients call 1.800.672.3343, option 1, ext. 49719

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Third Party Administrator (TPA) Website

When logging in as a TPA, you'll be able to administer employer-sponsored retirement plans for your clients through The Principal TPA Website.

Third Party Administrator:

  • If you are having trouble logging in or establishing your username and password, please call 1.800.554.3395 for assistance.
  • If you are interested in initiating a business relationship between your TPA Firm and The Principal, please call 1.800.958.5124 for assistance.

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Career Tools

You can search and apply for jobs, check job application status, and more when you access career tools online.

Career Tools: First time logging in?

  • Set up your username and password by going to Careers Login and selecting the "Create one now" link.

Career Tools: Forgot your username or password?

  • You can get your username and password online by going to Careers Login and selecting either the "Forgot username?" or "Forgot password?" link.

Need help applying for a job or have a question?

See all career help topics or call us at 1.800.843.4436.

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Have a question? Call us at 1.800.986.3343

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