Risk Protection (Life/DI Combo)
Life and individual Disability Income (DI) insurance are essential to help protect incomes, loved ones, and assets from unpredictable risks. With the right protection in place, you can help your clients build financial strategies with confidence.
Like most Americans, income is a daily need. There may be little or no money left after a premature death or disabling injury or illness.
Why sell Life and DI insurance together?
- It makes sense. Risk protection is essential to a client's financial foundation.
- Cover your bases. If something happens to clients, risk protection helps them pay daily living expenses and bills, including premiums or fees on other financial products they have with you.
- It’s part of your due diligence. Make life and disability protection planning a part of helping clients prepare for the unexpected.
- Tailored solutions. Whether you’re working with business owners, higher-income individuals, new families, or young professionals, there are solutions to meet a variety of client needs and budgets in sought-after markets.
A simple way to start selling both products together is to pair Principal® Term Life insurance with individual DI insurance through streamlined underwriting programs.
Use these materials to learn about Principal life and DI insurance features, markets, and underwriting programs.
Financial Needs Pyramid (BB10301C)
Illustrates all components in a financial strategy.
Life and DI Insurance Streamlined Underwriting Programs (LH137)
This piece shows how two underwriting programs can make getting DI and life insurance quicker and easier. View the PDF to customize and order.
Risk Protection Infographic - Life & Disability Insurance (LH141POD)
This infographic graphically shows how people need to protect against both premature death and disability.
Risk Protection Approach Email (DI2700)
Email clients and prospects about the need for risk protection and to set up a meeting.
View (OFT)
Use these materials to learn about Principal life and DI insurance features, markets, and underwriting programs.
IDI eApplication (JJ2186)
Learn more about submitting IDI business electronically.
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Submitting Life Insurance Business
Learn more about the application submission options.
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Products & Services Guide (BB8978)
Provides a detailed overview of all current Principal life insurance products available.
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Product Profile (JJ1674)
This brochure provides an overall summary of Principal® Income Protector and covers product and underwriting guidelines, premiums, features, DI Retirement Security, and more.
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