1. Principal ® Retirement Plus For financial professional use only. Not for distribution to the public. [Presenter Name] [Presenter Title] [Date] We help give you an advantage in the retirement income market – before, during & after the sale!

2. For financial professional use only. Not for distribution to the public. Only 22% of workers are “very confident” they’ll have enough money in retirement 1. Many Americans have saved “nothing” for retirement. Tomorrow offers no guarantees – uncertainty with: –Social Security –Pension plans –Tax legislation –Market performance 1 LIMRA 2015 Insurance Barometer Study The Need is Great for Retirement Income

3. For financial professional use only. Not for distribution to the public. Life insurance can play a valuable role in retirement planning by offering a tax-free death benefit and potential tax-advantaged distributions. * LIMRA 2015 Insurance Barometer Study Life Insurance Opportunities in the Retirement Income Market

4. For financial professional use only. Not for distribution to the public. Whether you work with individual or business clients, Principal Retirement Plus provides: Life insurance products – designed for accumulation Simple 3-step process – helps you approach clients: 1.Fact Finder 2.Income Gap Calculator 3.Action Plan Team of experts – supports you in case design, analysis & implementation Post-sale service – we take care of your clients, so you can focus on selling Life Insurance Opportunities Principal Retirement Plus

5. For financial professional use only. Not for distribution to the public. Business Prospects Companies with strong financial integrity Employers with need to: –Recruit, reward, retain & retire key employees Employees with need to: –Save above qualified plan contribution limits Individual Prospects Limited by or no access to qualified plan Want to diversify portfolio to draw income in most tax-efficient manner Have retirement income gap due to: –Loss of assets or pension benefits –Haven’t saved enough Target Market Who to Look for

6. For financial professional use only. Not for distribution to the public. Approach clients with this simple 3-step process: Fact Finder – gather information Gap Calculator – identify retirement income gap Action Plan – determine next steps Retirement Income Gap Analysis Before the Sale 1 2 3

7. For financial professional use only. Not for distribution to the public. Why life insurance? No income-based funding limits No penalties for distributions before age 59½ or after age 70½ Tax-deferred growth, tax- free access to cash value & tax-free death benefit Show clients how life insurance can be an important part of a retirement income strategy During the Sale Life Insurance for Retirement Income

8. For financial professional use only. Not for distribution to the public. Business Solutions BOES (Business, Owner & Executive Solutions) offers wide range of solutions – most of which include life insurance for funding We offer solutions for both for-profit & tax-exempt organizations of any size Individual Solutions Generate a personalized retirement income report in the Principal Illustration Edge system Show cash value accumulation & retirement income stream potential During the Sale Retirement Income Solutions

9. For financial professional use only. Not for distribution to the public. It’s simple to take distributions: The client completes one-time request to start distributions The Principal ® monitors the policy to: –Help maximize income received from cash value –Help ensure policy remains in force to avoid tax consequences –Activate Life Paid-Up rider if needed to prevent policy lapse Retirement Income Made Easy After the Sale

10. For financial professional use only. Not for distribution to the public. BMA Cases Business Market Administration (BMA) team provides complimentary services: –Business submission services –Consolidated reporting & list billing –Post-sale administrative services NQDC Cases Nonqualified Deferred Compensation (NQDC) team provides: –Robust plan sponsor & participant communication –Enrollment services –Administrative services & support Service to Business Clients After the Sale

11. For financial professional use only. Not for distribution to the public. Let’s Connect We help give you an advantage in the retirement income market – before, during & after the sale! Contact the National Sales Desk – 800.654.4278 Visit www.principal.com/retirementplus

12. The subject matter in this communication is provided with the understanding that The Principal ® is not rendering legal, accounting or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax or accounting obligations and requirements. Insurance products issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. Plan administrative services offered by Principal Life. Securities offered through Princor Financial Services Corp., 800- 247-1737, Member SIPC and/or independent broker/dealers. Principal National, Principal Life, and Princor ® are members of the Principal Financial Group ®, Des Moines, IA 50392. No part of this presentation may be reproduced or used in any form or by any means, electronic or mechanical, including photocopying or recording, or by any information storage and retrieval system, without prior written permission from the Principal Financial Group . Copyright ©2015 Principal Financial Services, Inc. BB11706 | 9/2015 | t1509160bxk For financial professional use only. Not for distribution to the public.