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Protecting Your Retirement Assets

The Need

A disability impacts more than just your paycheck.  If you became disabled and no longer received a salary, you may not be able to:

  • Contribute to your retirement plan
  • Receive an employer match on those contributions (if available)
  • Contribute to social security

The Solution

DI Retirement Security from Principal Life Insurance Company helps you continue saving for retirement in the event of a disability.

The Benefits

  • If you become too sick or hurt to work, your Individual Disability Income insurance policy would begin paying monthly benefits to you (after the elimination period has been satisfied) to help pay daily living expenses.
  • At the same time, your DI Retirement Security benefits are invested on your behalf into an irrevocable trust – helping you continue saving for retirement.
  • At age 65 or 67, you receive payments from the trust – helping you enjoy your retirement. These benefits are paid until the funds are depleted.[2]

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

[1]
Council of Disability Awareness, 2007 Disability Survey.
[2]
Any remaining assets go to estate if you die while receiving benefits.

DI Retirement Security is issued as non-cancelable, guaranteed renewable, individual disability income insurance policy. It is not a pension or retirement program or a substitute for such a program. DI Retirement Security is not available for government employees, individuals with Group LTD coverage that includes a "retirement supplement" or anyone who is over insured based on Principal Life's current Issue and Participation guidelines. It may not be available or the benefit may be reduced for certain occupations if there is existing DI coverage with lifetime benefits. Additional underwriting guidelines may apply. DI Retirement Security is not available in California.

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.

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

Policy Form # HH750
Approval t10083003hf

For More Information

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

PDQ Calculator

Did You Know?

More than 35% of workers with 401(k) or IRA plans have not thought about or don't know what would happen to their contributions if they were unable to earn an income for a period of time.[1]

Investment and insurance products are: not a deposit · not FDIC Insured ·
not insured by any federal government agency · not a bank guarantee · and may lose value.

Have a question? Call us at 1.800.986.3343

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Securities offered through Princor Financial Services Corporation, member SIPC