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3 new life products. Many opportunities.


Different clients have different needs. And we’re happy to introduce three new products to help you meet them—whether in the personal or business market. All products are compliant with 2017 Commissioner’s Standard Ordinary (CSO) table and Principle-Based Reserving (PBR) requirements, and they replace the current products in approved states.

Term 2020
Affordable options for 10, 15, 20, and 30 years (plus One-Year Term)

  • Level term premium rates are the same as the current version. Post-level rates have changed.
  • New: No underwriting is required for the Chronic Illness Death Benefit Advance Rider (CIDBAR) when a Term policy is converted within the first five policy years to a new policy offering the rider.* This practice will also be made available on the prior Term product (introduced May 1, 2017).
  • View transition guidelines.

UL Protector V
Guaranteed coverage up to lifetime

  • Premium rates are 1–2% lower, on average, than UL Protector IV.
  • Cost of Living Increase Rider has been discontinued due to low usage.
  • View transition guidelines.

VUL Income IV
Valuable protection with attractive growth potential

  • Moderate income-out and target premium changes compared to VUL Income III.
  • New: Chronic Illness and Terminal Illness Death Benefit Advance Riders have been added. These replace the Death Benefit Advance Rider.
  • View transition guidelines.

Let’s connect. Contact the National Sales Desk at 800-654-4278, or your Life RVP.

* The rating on the Term policy cannot exceed the maximum CIDBAR rating of Table 3 or $7.50/1000 of face. The rider is available on up to two policies per insured.

Insurance products issued by Principal National Life Insurance Co (except in NY) and Principal Life Insurance Co. and distributed through Principal Securities, Inc., 800-247-9988, Member SIPC. Plan administrative services offered by Principal Life. Principal National, Principal Life, and Principal Securities are members of the Principal Financial Group®, Des Moines, IA 50392.
For financial professional use only. Not for distribution to the public.

© 2019 Principal Financial Services, Inc. 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.



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