1. Principal Life Insurance Company Individual Disability Income Insurance Presented By: Name Title

2. Welcome to Individual Disability Income Insurance

3. This presentation/publication is believed to provide accurate and authoritative information in regard to the subject matter covered. The accuracy of the content is not guaranteed, and it is provided with the understanding that Principal Life Insurance Company is not rendering legal, accounting, tax, or other professional service. If legal advice or other expert assistance is required, the services of a competent professional should be sought.

4. What are your Dreams and Priorities? Successful Financial Strategy Pass on Personal and Business Assets - Retirement Plans - Personal Investments - Savings - Business Ownership Auto/Home Insurance Life Insurance Health Insurance Property Insurance INCOME Disability Insurance Estate Accumulation Risk Management Foundation

5. What is your most important asset? _____ Income _____ Retirement _____ Home _____ Automobile

6. Are you protecting your most valuable assets... Consider that you: Drive an insured car, Live in an insured house, and Your personal belongings are insured. What about your most valuable asset?

7. Your ability to work is your most valuable asset... You may be surprised at your earnings potential from today to age 65 assuming only 5% annual increase in income.

8. What if you were unable to work? What would happen to your income? How would you maintain your lifestyle? Where would the money come from to pay for bills? What happens to your retirement savings and other financial goals?

9. What are the odds... Source: 1980 CSO, 1985 CIDB Table B

10. When disability strikes, your financial picture changes Debt Savings Depleted! Disability Normal Income Normal Expenses Savings Healthy

11. The Solution $ $ Savings Expenses Income Disability Income X Disability

12. What are your sources of income during disability? Savings Liquidate assets Family Group disability plan Social Security/Worker’s Compensation

13. Let’s look at your expenses...

14. You have a lot to lose... Future earnings Retirement savings and other assets Peace of mind Current standard of living Insurability Credit rating

15. Now is the time to act Assess your current need Contact your Principal Life representative Customize an individual disability income insurance policy to fit your needs

16. Will YOU need DI insurance... “I never expected to need the coverage. It’s a completely alien reality to be dependent on the actual integrity of an insurance company for survival. The Principal is a company that comes through for people when the worst happens.” Samantha Johnson Principal Life client & claimant

17. Thank You Disability income insurance has certain limitations and exclusions. For costs and complete details of coverage, contact your Principal Life representative.