When you open or transition to a new Principal^® retirement plan or group insurance policy, we automatically create an employer account for you.

We will send you, the primary administrator, an email. (Don't see it in your inbox? Check your junk or spam folder.) You must click the email activation link within 72 hours of receiving it. Then, follow these steps:

1. Verify your identity by providing a few personal details.
2. Confirm that you agree to do business electronically.
3. Create your username and password.
4. Choose your security questions and answers. (These help verify your identity when you call customer service.)

For your convenience, your username continues to display on the password screen so you can confirm it’s been entered correctly. If you enter the correct password but receive an error message, please check that your username is entered correctly. If not, click the “cancel” button to return to the username entry screen.

We can help.

• Group insurance clients, please call +1-800-621-6280.
• Retirement/401(k) clients, please call +1-877-475-3436.

• Click “Log in” at the top right corner of any Principal.com page.
• Enter your username and click “Next.”
• Enter your password and click “Verify.”
• Follow the instructions provided.

• Click “Log in” at the top right corner of any Principal.com page.
• Click the “Forgot username or password” link under the “Log in” button.
• Choose “Business & auditors” as your role.
• Provide the requested information to confirm your identity. Click “Continue.”
• You’ll receive a verification code by text, voice call, email, or an authenticator app.
• After you've correctly entered your code, you'll see your username and can reset your password, or login with your existing password.

Log in and view “My profile” to change your password or security settings.

The primary administrator has full access to your employer account on Principal.com. This person can grant full or limited access to other individuals as secondary administrators. The secondary administrator can perform transactions or tasks on the employer website.

If you don’t know who your primary administrator is, please call us.

• Group insurance clients, call +1-800-621-6280.
• Retirement/401(k) clients, call +1-877-475-3436.

Secondary administrators may be granted full or limited account permissions by the primary administrator. For details, see instructions for managing security access (PDF).

Your Principal online employer account lets you:

• Administer benefits
  • Add or remove employees and coverages.
  • View and update employee information and changes.
  • Update salaries, one at a time or all at once.
  • View and order ID cards.
  • Track online transactions.
• Review benefit information
  • View plan information.
  • Electronically sign eService agreements.
  • Search, print, and order group insurance booklets and policies.
  • Access and complete disability and life claim forms.
  • View, download, print, or order forms and documents.
  • Access reports for life and disability claims and dental maximum accumulation.
• Manage account billing and payment information
  • Download or view billing statements.
  • Set up and pay premiums electronically.

Principal uses multiple security features and procedures to keep your account information secure and confidential. Contact us immediately to change your password if you suspect it has been discovered.

• Your company and employee account information can only be accessed with a combination of your unique username, password, and verification code.
• Your account information is not permanently stored on our web server. It is only permanently stored on our highly secure corporate network systems.
• The sole responsibility of our data security staff is to ensure the security of the information we process and store.
• Our policies and procedures limit access to your information to only those who have a business need to view it.