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Indexed UL Flex Overview

Principal Indexed Universal Life FlexSM (IUL Flex) is designed to provide affordable death benefit protection with upside cash accumulation potential and downside risk protection. It provides flexibility and consumer-friendly features, PLUS a unique S&P 500® Total Return Index-Linked account.

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Important Information

S&P® and S&P 500® and S&P 500® Total Return are registered trademarks of Standard & Poor’s Financial Services LLC and have been licensed for use by S&P Dow Jones Indices LLC and sublicensed for certain purposes by The Company. The S&P 500® and S&P 500® Total Return is a product of S&P Dow Jones Indices LLC and has been licensed for use by The Company. The Company’s policy is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC or its affiliates and none of S&P Dow Jones Indices LLC or its affiliates make any representation or warranty regarding the advisability of investing in such product(s).

Premium payments can be increased, decreased or skipped provided there is enough accumulated value built up within the policy to cover the cost of insurance and other policy charges.

The policy rider descriptions are not intended to cover all restrictions, conditions or limitations that may apply. See the policy and rider for full details. Riders are subject to state variations and may not be available in all states. Some riders may require additional premium.

All guarantees are subject to the claims-paying ability of the issuing insurance company.

Withdrawals prior to age 59½ may be subject to a 10% tax penalty and sales loads.

Withdrawals and loans may decrease the amount of death benefit and cash accumulation value.

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