Retirement Savings Protection

Protect your ability to save for the future.

If you become too sick or hurt to work, it’s not just your income that’s disrupted—it’s your ability to build the future you envision and take care of your loved ones. 

Retirement Savings Protection can complement your Disability Income coverage, helping you to continue contributing to retirement savings while you’re unable to work due to a disabling illness or injury.

Plus, you get industry-leading service from our claims team, who scored 97% in a recent customer satisfaction survey.*

Insure “what could be” from “what if”.

Disabilities are more frequent than you probably think, resulting from a variety of common illnesses and conditions.

Between lost income and increased healthcare expenses, the financial strain a disability causes can create a serious gap in your potential retirement income.

Have an insurance policy with Principal?

Access your account information online.

We're here to help

Visit our insurance help section, or call us at 800-986-3343.

Help on protecting your most valuable asset

Woman reviewing questions about life insurance and disability insurance.

Insurance FAQ

Have questions about life insurance or income protection (disability insurance)? Principal can help.

Man learning about why Life Insurance is important.

Insurance myths: Why Life & Disability Insurance are more important than you think

Woman and man discuss disability income insurance and why the ability to work and earn an income is by far their most valuable asset.

Why Income Protection?

* 2014 Principal Life Insurance Company claimant satisfaction survey.

Disability insurance has exclusions and limitations.  For costs and complete details of the coverage, contact your Principal Life financial representative.

DI Retirement Security is issued as non-cancelable, guaranteed renewable, individual disability income insurance policy.  It is not a pension or retirement program or a substitute for such a program.   DI Retirement Security is not available for government employees, individuals with Group LTD coverage that includes a “retirement supplement” or anyone who is over insured based on Principal Life’s current Issue and Participation guidelines.  It may not be available or the benefit may be reduced for certain occupations if there is existing DI coverage with lifetime benefits.   Additional underwriting guidelines may apply.   DI Retirement Security is currently not available in California.