Protect what matters.
With life insurance,
Protect what matters.
Calculate your life insurance needs
How might life insurance help you?
It's an essential ingredient for protecting your loved ones—and your assets.
Maintain a lifestyle for your loved ones
Financially protect those who depend on you.
Cover college expenses
Help ensure your loved ones get the education they deserve.
Pay down debts and relieve some burden
Peace of mind with help paying mortgage and credit card debts.
Replace income if you have to stop working
Having a backup plan is important - things don't always go as planned.
Choices to help fit your needs
Permanent life insurance — Coverage that you can't outlive
Your coverage continues for as long as you pay your premiums. And the payments you make may create equity in your policy (called cash value) that you can access and use.1
Term life insurance1 — Coverage for a certain time period
Your policy provides coverage for a specific term, generally from 1 to 30 years. At the end of the term, you may be able to renew the policy, or you can let the coverage end. Since term insurance doesn't have cash value, it tends to be less expensive.
3 life insurance myths, debunked
I have enough life insurance coverage already.
A study shows 1 in 3 U.S. households would have immediate trouble paying living expenses following the loss of their primary wage earner.2
I'm already covered at work.
Coverage provided by your employer typically only offers protection up to a certain age. That may not be enough to cover your family's future expenses.
My spouse doesn't work, so he or she doesn't need life insurance.
Non-working spouses provide essential services that are expensive to hire out. Think about what it would cost to pay someone for child/elder care, cleaning, cooking, etc.
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1 Withdrawals and policy loans may decrease the amount of death benefit and cash value. Surrender charges and other policy charges may apply to distributions taken from the policy. If the life insurance policy is a Modified Endowment Contract (MEC), distributions may be subject to income taxes.
2 2016 Insurance Barometer Study, LIMRA and Life Happens
All guarantees and benefits of insurance policies are backed by the claims-paying ability of the issuing insurance company; they are not backed by the broker/dealer.
This document is intended to be educational in nature and is not intended to be taken as a recommendation.
In exchange for the death benefit, life insurance products charge fees such as mortality and expense risk charges and surrender fees.
Insurance products issued by Principal National Life Insurance Co (except in NY) and Principal Life Insurance Co. Plan administrative services offered by Principal Life. Securities offered through Principal Securities, Inc., 800-247-1737, member SIPC and/or independent broker/dealers. Principal National, Principal Life, and Principal Securities are members of the Principal Financial Group®, Des Moines, IA 50392.
Principal, Principal and symbol design, and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group.