1. Workplace Financial Wellness 1 The Principal Financial Group® Workplace Financial Wellness Helping you maximize and protect your savings

2. Workplace Financial Wellness 2 401(k) plan Defined benefit pension plan Short-term and long-term disability insurance Workers’ compensation Health insurance Life insurance Paid vacations Dental and vision insurance Workplace Financial Wellness Do you know the value of your company-provided benefits?

3. Workplace Financial Wellness 3 The average cost of employee benefits for employees of [company name] is... $XXXX.XX per year Did you know?

4. Workplace Financial Wellness 4 Are you making the most of the benefits available to you? Do they meet all of your current needs? Will you stay in your current job until you retire? What happens to your benefits when you retire? Which benefits need to be portable? Will they keep up with inflation? Are they guaranteed? Workplace Financial Wellness Employee benefits help build a financial foundation

5. Workplace Financial Wellness 5 Historical personal savings rate 4.8% in 2015 Source: Bureau of Economic Analysis, 2015

6. Workplace Financial Wellness 6 Plan for enough retirement income You may be facing a retirement income gap due to: Losing part of your retirement funding from a loss of assets or pension benefits Maxing out your qualified plan contribution amounts Not saving enough

7. Workplace Financial Wellness 7 Plan for life insurance protection Source: LIMRA 2015 Insurance Barometer Study

8. Workplace Financial Wellness 8 Where are you on the lifeline? Where are you? Where are you going? What are the obstacles? What can you do to ensure success? Note: This is a hypothetical example only and is intended to illustrate the potential accumulation through the retirement lifecycle. It is not intended to predict or project any investment results.

9. Workplace Financial Wellness 9 Help smooth the financial road to your retirement by making educated choices. Are you protecting your savings and income? Are you saving enough? The time to review financial wellness is now!

10. Workplace Financial Wellness 10 Design your financial future! Financial Wellness Set and prioritize goals Create an action plan Implement your plan Monitor your progress

11. Workplace Financial Wellness 11 Free meeting with a financial professional Free and personalized financial analysis Better understanding of your employee benefits and how to maximize and coordinate with other planning No obligation to purchase any products or follow the recommendations of the analysis How you’ll benefit

12. Workplace Financial Wellness 12 Interested in a comprehensive analysis? Financial Strategies assesses where you are now, where you want to go and how to best get there.

13. Workplace Financial Wellness 13 Begin your journey to financial wellness. Sign up for a free, no- obligation meeting. What’s next? Individual meeting

14. Workplace Financial Wellness 14 QUESTIONS?

15. Workplace Financial Wellness 15 [Company Name] is not an affiliate of any company of the Principal Financial Group®. Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa 50392-0001, www.principal.comwww.principal.com Insurance products from the Principal Financial Group (The Principal®) are issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co., Des Moines, IA 50392 BB11781 | 11/2015 | t151125023o