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Featured Article

Your life changes. Your benefits should, too.

Use open enrollment time at your workplace to evaluate (and update) your voluntary and traditional benefits to help with financial wants, needs, and curveballs.
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For individuals

Customer protection guarantee
Customer Protection Guarantee

At Principal® it’s our priority to help keep your retirement account information safe and secure.

Our data security is strong, and we guarantee it. Principal will reimburse your employer- sponsored retirement account for losses from unauthorized activity occurring through no fault of your own.

How do I qualify for the customer protection guarantee?

Register your account online at principal.com and keep your contact information up-to-date, especially your mobile number and email address to ensure we can contact you in case of suspected unauthorized activity.
Best practices to keep your personal data secure.
  • Log in to your account frequently.
  • Set up and use a passkey for account access.
  • Use an authenticator app to receive notifications for two-factor authentication.
  • Make sure you have strong, unique passwords.
  • Create answers to security questions that only you would know.
  • Protect and don’t share your login credentials or answers to security questions.
  • Protect and don't share your one-time passcodes over the phone unless you initiated the call to a verified number.
  • Sign up for transaction notifications so you can be alerted in real time.
  • Keep your contact information current.
  • Stay informed and read correspondence from all your financial service providers.
  • If something looks suspicious, report it.
  • Use virus protection on devices.

Read additional tips for more ways to protect your personal data.

What’s not covered by the customer protection guarantee:
  • Loss due to sharing credentials, one-time passcodes, answers to security questions, or allowing remote access with anyone or not adequately securing your credentials from family members/acquaintances.
  • Distributions that were transferred to outside accounts that are beneficially owned by you.
  • Distribution checks that were mailed to your address on file, or to another address at your direction, but fraudulently cashed by someone else.
  • Fraudulent activity, malware, or breach of security by the plan sponsor, financial professional, third-party administrator (TPA), or a third party you have authorized to receive your account information.
Here’s what we’re doing every day to help keep your personal information secure.

Your financial information is designed to be safe because of our people, processes, and technology.

  • Required employee background checks and annual security training.
  • 24/7/365 security operations center.
  • Conducting annual third-party testing of our network and systems.
  • Risk assessments of all third parties.
  • Investing in technology like phone validation, two-factor authentication, behavioral biometrics, account validation, and more.
What to do if you suspect fraudulent activity on your account.

Please contact Principal right away.

  1. Call during normal business hours at 800-547-7754 (Monday-Friday, 7 a.m.—9 p.m. CT).
  2. Contact us online (available 24/7).

If we find suspicious activity, we’ll work with you to review what happened which could include working with a professional security company to review your personal computer or other devices. We may require you to sign an affidavit and/or file a police report. We’ll use the facts of the case to determine if unauthorized activity has occurred. We’ll then evaluate if the guarantee applies based on the circumstances.

Learn more about cybersecurity.

Footnotes

Employer-sponsored retirement plans record kept by Principal including defined benefit, defined contribution, employee stock ownership plans and retirement accounts with pension payments made through Principal  ®   Custody Solutions and nonqualified deferred compensation plans with distributions made through Principal. Registration requirements take effect July 1, 2024. Guarantee details are subject to change. Exclusions to the policy may apply.

Custody and trust services are provided by Principal Bank®, Member FDIC, and/or Principal Trust Company®. These services are provided under the trade name Principal® Custody Solutions. Principal Trust Company is a trade name of Delaware Charter Guarantee & Trust Company.

Referenced companies are members of the Principal Financial Group®, Des Moines, Iowa 50392

The Customer Protection Guarantee applies to employer-sponsored retirement plans record kept by Principal® including defined benefit, defined contribution, employee stock ownership plans, retirement accounts with pension payments made through Principal® Custody Solutions, and nonqualified deferred compensation plans with distributions made through Principal. It’s effective for unauthorized activity that occurs after participants have registered their account online, provided their contact information, and kept it up to date in the event of changes. Guarantee details are current as of September 22, 2025, and are subject to change. Exclusions to the policy may apply.