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Life insurance approaches
Life insurance approaches

Tailor your conversations to your clients’ needs.

Whether you have a specific program in mind for reaching out to clients and prospects, or want a more general approach, we have the tools and resources for you to get started.

Life insurance review

Get in front of more clients and provide a valuable, annual check-up, which helps you earn an opportunity to explore additional needs and solutions.

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For financial professionals:

Additional tools:

 
Individual retirement with life insurance

The retirement income landscape is changing. There are fewer pension plans and much uncertainty about Social Security, tax legislation, and market performance. Now, more than ever, saving for retirement is up to individuals. You can play a big role in helping pre-retirees get prepared and introduce life insurance as an option to supplement and diversify retirement income.

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Client tools:

Financial professional tools:

Contact your internal sales team for additional marketing material.
Life insurance as an asset

Talk to your clients about additional uses for life insurance to adapt to future protection, accumulation, and transfer needs. Adding life insurance to complement an existing financial portfolio addresses the need for death benefit protection, as well as those seeking tax advantages, efficient wealth transfer, access to cash, and an attractive rate of return.

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Client tools:
Benefit restoration (Life/DI combo)

Life and disability insurance can be used to help meet the needs of key employees as part of a benefit restoration plan. Many employer-provided benefits offer less (as a percentage of pay) to higher-compensated employees. A benefit restoration plan can include solutions like supplemental individual life and disability insurance and bring benefit levels up to a more equivalent percentage of their salaries.

Explore these resources to learn more about the opportunity and help promote the value of benefit restoration with business clients:

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 get started, contact your internal sales team:  800-654-4278.

Important information

Insurance products issued by Principal National Life Insurance Company (except in NY), Principal Life Insurance Company®, and the companies available through the Preferred Product Network, Inc. Plan administrative services offered by Principal Life. Referenced companies are members of the Principal Financial Group®, Des Moines, IA 50392. Guarantees are based upon the claims-paying ability of the issuing insurance company. For financial professional use only. Not for public distribution.

Guarantees are based on the claims-paying ability of Principal Life Insurance Company.

Principal®, Principal Financial Group®, and Principal and the logomark design are registered trademarks of Principal Financial Services, Inc., a Principal Financial Group company, in the United States and are trademarks and services marks of Principal Financial Services, Inc., in various countries around the world. © 2022 Principal Financial Services, Inc.