Comprehensive disability solutions
Help your clients attract and retain key employees by combining group disability (short- and long-term) and individual Disability Income (DI) insurance on their benefits package. Together, these coverages work together to help employees protect more of their most-valuable asset—their ability to work and earn an income.
Offering both is a win
Producer advantages
- Demonstrates your benefits expertise and helps differentiate you from the competition
- Builds stronger client relationships
- Can increase your compensation with multiple sales
Employer advantages
- Helps recruit and retain quality employees
- Reinforces positive employer-employee relationships
- Manages the loss of income risk when an employee becomes too sick or hurt to work
Employee advantages
- Enhances job satisfaction—often aligned with benefits offered
- Protects their most-valuable asset—the ability to earn an income
- Provides funds to help pay disability-related costs—such as increased medical expenses
Look for these characteristics:
- Employers with:
- 5 or more employees
- An interest in employee benefits
- Employees who work in industries like technology, financial services, engineering, and other industries with limited manual labor.
- Employees with:
- At least $100,000/year in income
- Bonus income where group LTD only covers base salary (up to a cap)
- Income that exceeds any group LTD maximum monthly benefit cap
Key materials listed below. These materials are not intended for use with consumers.
Group/IDI illustration cover page (GP62261)
Use this cover page to summarize the group LTD and individual IDI illustrations or existing coverage. The cover page must be presented to the client with the full illustrations.
Customize (DOC)
Program profile—DI Guaranteed Standard Issue (JJ2330)
This brochure shares the benefits of offering comprehensive disability solutions with Principal, and includes target markets, examples, and positioning tips for offering LTD and IDI solutions.
View (PDF) • Order
Presentation—comprehensive disability solutions (GP62199)
This PowerPoint accompanies the program profile and shares the benefits of offering comprehensive disability solutions with Principal. Includes target markets, examples and positioning tips for offering LTD and IDI solutions.
View (PPT)
Disability Income profile (JJ1674SEV)
This producer brochure provides an overall summary of Principal Life's Series 700 Individual Disability Income insurance; covers product and underwriting guidelines, premiums, features, DI Retirement Security, and more.
View (PDF) • Order
Fallback GSI for multi-life cases (JJ1712)
Describes our innovative Fallback GSI program for multi-life cases.
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Case Studies
Healthcare company success story (JJ2305)
Learn how an financial professional added individual Disability Income insurance to an employee benefit offering that already had group LTD.
View (PDF)
Key materials listed below.
Protect your income consumer flyer - customizable (JJ2088C)
Promote additional sales for a case with multiple lives.
View (PDF) • Customize (PDF)
Questions consumers should ask about their group LTD policy flyer (JJ1242)
Presents 8 questions employees should ask about their Group Long-Term Disability coverage.
Key materials listed below.
Employer pitch presentation (DI10099)
This employer presentation highlights the need for income protection and how group and individual disability insurance can work together to help protect employees' income.
View (PPT)
Income replacement with and without DI (JJ1707)
Gives examples of how much income is replaced by group disability benefits with and without supplemental DI.
Employer flyer on why to offer DI to employees (JJ1085)
This flyer outlines the benefits of employers offering voluntary DI to their employees.
- Contact your local group benefits sales representative or your Disability Insurance Regional Vice President.
Important Information
For producer information only. This summary is not a complete statement of the rights, benefits, limitations, and exclusions of the coverage described here. For cost and coverage details, contact your Principal® representative.
1648476-052021