Individual Disability Insurance Overview

Individual disability insurance

Principal® offers a comprehensive suite of disability solutions for individuals, owners, and employees.

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Woman holding open the front door of her business.

Individual disability insurance (IDI) is like a back-up plan your clients can count on. It helps protect their income—or business—if they become too sick or hurt to work. And coverage can be tailored to meet their specific budget and needs.

Business protection

Principal offers Overhead Expense, Business Loan Protection, Key Person Replacement, and Disability Buy-Out insurance to help businesses protect what they’ve worked so hard to build.

Go to business protection solutions

Income protection

Individual Disability Income insurance can be purchased to help replace income during working years or in retirement—or offered as an employee benefit on a Guaranteed Standard Issue basis.

Go to Principal Income Protector

Working with Principal®

We’re more than just products. It’s about the service you’ll receive from Principal and the experience, education, and ease of doing business to help you succeed with IDI.

  • Get direct access to your internal sales team: 800-654-4278
  • Access underwriting and submitting business resources: 800-654-4278, options 3, 3
  • Get claims information: 800-654-4278, options 4, 3, 4

Important information

For producer information only. 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® representative.