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Disability Insurance Underwriting

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New Issue & Participation (I&P) limits for DI1

We’ve recently made changes to our I&P limits for our –M occupations; changes are highlighted in blue.

Ages Issue Limit Participation
with other
individual DI
Participation with group disability
6A2, 5A, 4A, 3A 18-61+ $20,000 $35,000 $35,000

5A-M, 4A-M3,

18-55 $20,000 $30,000 $35,000
56-60 $17,000 $17,000 $17,000
61+ $10,000 $10,000 $10,000
2A 18-61+ $8,000 $10,000 $10,000
A 18-61+ $6,000 $8,000 $8,000

1 When automatic increase riders are on a policy, the maximum I&P limits are lower.
2 The 6A occupation class is for Individual DI, including DI Retirement Security, and Disability Buy-Out insurance in approved states; not available in California. For a complete list of state approvals, visit www.principal.com/distateaprovals.
3 For adjustments on 4A-M and 3A-M policies prior to the 700 Policy Series, the issue limit remains at $10,000/month and the participation limit with other coverage is $20,000/month.

Important Information

Disability insurance from Principal® is issued by Principal Life Insurance Company, Des Moines, IA 50392. For producer information only. Not for use with consumers or the public.


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