Products, approaches made easy, and digital submission tools


Uncover more disability insurance needs with businesses


Business owners face a triple threat when it comes to a disability. They need to consider both personal disability income (DI) protection and business continuation and succession planning needs. Principal® offers a variety of solutions that can help:

Employee benefits

  • Multi-life or individual DI insurance

Business protection

  • Overhead Expense (OE) insurance
  • Business Loan Protection (OE rider)
  • Key Person Replacement insurance

Succession planning

  • Disability Buy-Out insurance

Learn more (login required). For marketing materials, visit our disability insurance overview website where you can access each solution.

Tools to help you approach

Digital solutions for faster processing

  • Speed up the application process by submitting basic coverage and insured information electronically using our eApp.1
  • Then request the online Part B for your clients.2
  • And for cases where we need a client’s medical history, we email the applicant with instructions to set up a Human API account for sharing medical records electronically from healthcare provider(s).

Success story – Additional benefits for highly compensated employees

Learn how a company closed a benefit gap for its key employees using guaranteed issue individual disability income (DI) and life insurance.

View details >

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National Sales Desk



1 Requires a username and password. If you don’t have one, contact your local representative or call 800-554-3395.
2 Not available for IDI/life combo cases in CA and NY.

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Disability insurance from Principal is issued by Principal Life Insurance Company, 711 High Street, Des Moines, Iowa 50392,
For financial professional use only. Not for use with consumers or the public.

An Informal Business Valuation is not a substitute for a formal valuation, nor does it establish a value for tax purposes.

Not all consumer materials are approved for client presentation in New Mexico. Check with your local Principal representative for details.

© 2021 Principal Financial Services, Inc. Principal, Principal and symbol design and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group.

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DI0243 | 1503797-022021 | 02/2021