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Term 2020 is available in CA


The new Principal® Term is available for sale in California. This product is compliant with 2017 Commissioners Standard Ordinary (CSO) table and Principle-Based Reserving (PBR) requirements, and it replaces the previous Principal Term product.

  • Level term premium rates are the same as the previous 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. (BB12389) (PDF)

Get all the details and sales resources at the Term webpage.

Questions? Contact the National Sales Desk at 800-654-4278.

* 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. Plan administrative services offered by Principal Life. Principal National and Principal Life are members of the Principal Financial Group , Des Moines, IA 50392.
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of Principal Financial Services, Inc., a member of the Principal Financial Group.


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