Group Dental Insurance

One of the most desired and used employee benefits

Dental care can be costly, and many employees consider dental coverage to be an essential part of their benefits package. Principal Life Insurance Company, a member company of the Principal Financial Group®, has one of the largest provider networks in the country, customizable design, and plenty of other benefits.

Talk to your advisor about offering group dental insurance.

Flexible coverage options

Principal Life allows you to design your dental insurance with provisional and benefit flexibility, so you can provide coverage that’s affordable and easy. You can choose to pay all, part, or none of your employees’ premiums, depending on your needs and goals.

  • Comprehensive dental product portfolio, including Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO)1, Point of Service (POS)1, and Pre-Paid Dental options2
  • Range of deductibles, coinsurance, and maximums
  • No required benefit waiting period—employees are covered right away
  • Preventive care that doesn’t count toward an employee’s annual maximums
  • Ability to rollover a portion of the unused maximum to the following year
  • Spouse and dependent coverage (up to age 26)
  • Additional benefit riders for dental accidents, implants, orthodontia and more
  • Coverage that meets the Affordable Care Act pediatric dental Essential Health Benefits (EHB)3 requirements for small employers


Combine dental with vision coverage to start building a comprehensive benefits package.

Do you offer employee benefits through us?

Manage your benefits online.

Benchmark Your Employee Benefits

See how your company's benefit design compares to other companies like yours.

Find a dentist

Search for an in-network dentist near you with our provider directory.

Have questions?

Get help with dental insurance claims, or call us at 800-247-4695.

1 Only available in California

2 Only available in Arizona

3 Not available in all states

This summary is not a complete statement of the rights, benefits, limitations and exclusions of the coverage described here.  For cost and coverage details, contact your Principal Life representative.