Disability Insurance

Income protection can be the base of a solid financial plan

Income is the foundation of a solid financial plan for individuals and business owners.

For Individuals

Your income is your most valuable asset. Protecting your income allows you to continue to enjoy what it pays for - your home, your cars, your food, college and vacations - from now until the day you retire. Individual disability income insurance is the protection you need to help you maintain your lifestyle and protect your family's future if you become too sick or hurt to work.

To help people understand the need for disability income insurance, what it is and how it helps families maintain financial stability, Principal Life developed the From Here to Security^SM program - complete with a step-by-step educational booklet and interactive calculator. These tools, along with your financial representative, can help you identify the amount of Individual Disability Income Insurance that will help you achieve your financial goals.

We also offer strategies for individuals with insurance coverage through their employers. For this information, check out our Group Claim & Benefit Services section.

For Business Owners

If you are a business owner, the potential of a disability poses a triple threat:

Keeping a roof over you and your family's heads - How long could the business continue to pay your personal salary? Individual Disability Income Insurance could help.
Keeping your business' doors open - How will you cover your business expenses if you aren't there to bring in income? Overhead Expense Insurance could help.
Keeping your investment intact - How will you get the funds to purchase a disabled co-owner's interest if he or she should become disabled? Disability Buy-Out Insurance could help.
Plus, when three or more individuals with a common employer purchase any combination of Principal Life Individual Disability insurance policies, all may qualify for a premium discount - including you!

Contact your financial representative today! Don't have one? Locate one through our Office Locations section.

Disability insurance has limitations and exclusions. For costs and complete details of coverage, contact your Principal Life financial representative.

Policy Form #s DI: HH641/HH700/HH750; OE: HH702; DBO: HH703
Approval #11763122010

More Information

Read how Principal Life helped Pat and Dick Harwood plan for the unexpected. Disability Strikes Doubly Hard (PDF: 120 KB) and view other testimonials.

Be better prepared for a disability. Use this resource center to find out how.

Estimate your chances of becoming disabled with the Personal Disability Quotient calculator.