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Disability Insurance Overview
As a financial advisor you take pride in helping clients prepare for their financial future. Help them protect the one thing that provides for everything, their income. Principal Life Insurance Company offers one of the most comprehensive suites of Individual Disability Insurance (IDI) solutions to help individuals and business owners protect their income from the threat of a disabling illness or injury. Watch this short video to learn more.
Principal Life makes it easier than ever for you to get started and make IDI a part of your business. We offer:
- Flexible case designs
- Dedicated sales support
- Online business management tools
- Simplified underwriting for most products
- Competitive compensation with strong renewals and bonus opportunities
Get started today.
Use this page as your guide to identify prospects, learn about the different solutions and start the conversation.
Almost everyone in the working population needs to protect their income. Look in your existing block of business for clients who:
- Are age 30 to 55
- Earn at least $40,000/year
- Work at least 20 hours/week
- Work as accountants/CPAs, attorneys, business owners, medical professionals and veterinarians.
Check out our tools to target specific markets.
Principal Life Insurance Company offers one of the most comprehensive suites of IDI solutions to help people protect their income and business from the threat of a disability. Disability Income is our most popular solution, and provides a monthly benefit that works like a “paycheck” to cover expenses during a disability.
- Business Loan Protection
- Disability Buy-Out
- Key Person Replacement
- Multi-Life Solutions
- Overhead Expense
Employee Benefit Needs
Don’t forget about our Simplified Underwriting programs.
Key materials listed below.
Personal Needs Infographic (JJ1907POD)
Presents various facts about income protection in a simple graphical way. Front/back version. Animated version at www.principal.com/protectincome.
Approach Brochure (JJ1239)
This large approach brochure discusses the need for income protection, how much is needed, and what it costs.
Consumer Presentation (DI8511)
For clients. This presentation gives an overview of the need for income protection and helps overcome three common objections.
Key materials listed below.
IDI Marketing Guide (JJ2244)
Shows producers how to sell individual disability insurance; covers products, how to talk to clients, underwriting and closing sales.
IDI Case Success Stories booklet (JJ1673)
This producer brochure highlights various successful IDI cases, showing the background, solutions sold and compensation on each.
Get Started with Selling Income Protection (DI8631)
For producers. This presentation shows the opportunities with the disability insurance market place, answers five key questions about a DI policy, and provides sales ideas.
- Join our email list to get the latest IDI updates and sales ideas by emailing us your name, state and email address.
- Buy income protection on yourself.
- Experience firsthand the application and underwriting process, giving you valuable insight into what your clients will experience.
- Address your own income protection needs.
- Commissions can help offset a portion of the premium each year.
- Learn how to submit new business