Two disability products are better than one.


Help employers offer key employees more income protection

Group long-term disability (LTD) insurance is a great foundation for income protection. But it may not be enough for everyone—especially high-income earners who often have an income replacement of 40% or less.

A great way to enhance your clients' benefit package

Helping employers add individual Disability Income (DI) insurance to group disability coverage can expand your opportunities—and helps employees overcome their group LTD cap with additional income protection. Principal® is one of few carriers that offers both LTD and individual DI coverage. 

See how a health care company added DI insurance for its executives

Guaranteed Standard Issue (GSI) makes underwriting easy

Policies are issued to groups of employees with no medical or financial underwriting required—just a few simple questions to make sure they qualify.

  • GSI offers available for groups as small as 5 lives

  • Select Occupation discounts available for corporate executives earning over $100,000*

  • Permanent and portable coverage options available for executives

And now we've made the GSI implementation process even easier with our innovative, new eEnrollment platform. This digital solution enables eligible employees to complete and sign their individual disability income (DI) insurance application when and where it's convenient for them. It saves you time and hassle and provides a better experience for your business clients and their employees, too.
Full details | Get started with eEnrollment 

Let's connect

Bob Herman, CLU - DI Regional Vice President
866-275-0100 x3 /

Julie Follstad, Sr. Internal Wholesaler
866-275-0100 x1 /

Justin Harrison, Internal Wholesaler
866-275-0100 x2 /

*Not available in Ohio or in states where 6A occupation classes are not approved. In Ohio, an Association discount may be used in lieu of Select Occupation if the applicant is a member of an approved professional organization.


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Disability insurance from Principal® is issued by Principal Life Insurance Company, 711 High Street, Des Moines, Iowa 50392,

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DI10273 | 05/2021 | 1657280-052021