1. Accelerated underwriting
Presenter’s name
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2. BB11684A | t17033106lt | © 2017 Principal Financial Services, Inc.
Applicants may qualify based on age, product, face amount and personal history. Accelerated Underwriting is available on Term, universal life, indexed universal life, variable universal life (VUL), survivorship universal life or Benefit VUL II (NY only) products.
Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa ,
Insurance issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. Securities offered through Principal Securities, Inc., , Member SIPC and/or independent broker/dealers. Principal National, Principal Life, and Principal Securities are members of the Principal Financial Group®, Des Moines, IA
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.
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.
<SPEAKER NOTE: Leave on screen long enough for people to read. Reinforce that the presentation will not include legal, accounting or tax advice, and any such questions should be referred to experts in those fields.>
BB11684A | t lt | © 2017 Principal Financial Services, Inc.

3. Principal Accelerated UnderwritingSM is an innovative program that makes it fast and easy for Preferred and Super Preferred applicants to apply for life insurance.
Hi and good day to all of you.
We would like to introduce you to a new and innovative program with the Principal called Accelerated Underwriting. Accelerated Underwriting is a program that makes it fast and easy for Preferred and Super Preferred applicants to apply for life insurance.

4. Why use accelerated underwriting?
Less restrictions
Less hassle
Less time
Available to use with all life products offered by Principal®, including survivorship universal life.
No medical exams or lab testing for qualified Preferred and Super Preferred clients1.
A simple application and TeleApp phone call takes care of the requirements.
Approved in as little as 48 hours1.
You might be asking yourself, why use Accelerated Underwriting? There are three main reasons, if you have a need for life insurance coverage, why you should look at the Accelerated Underwriting program from Principal.
First – Less restrictions. This program is available to be used with all life products offered by the Principal, including survivorship universal life.
Second, Less Hassle. Accelerated Underwriting lets you fill out a simple application with no medical exams or lab testing for those Preferred and Super Preferred clients who qualify for the program. Why does Principal not need medical exams or lab tests? Its because we ask that you use our Teleapp phone call system to address those requirements.
And the 3rd reason would be less time. With the simple application and TeleApp phone call, you can be approved in as little as 48 hours.
Less restrictions, less hassle, and less time. Sounds like a great program but you may be asking yourself, “what are the general qualifications?” Lets talk about that!
1 For 45-55% of applicants who qualify based on age, product, face amount and personal history. Answering yes to this checklist does not automatically qualify you for Principal Accelerated Underwriting or life insurance from Principal.

5. General qualifications
Between ages 18-60
Face amount from $50,000 - $1 million
Preferred and Super Preferred underwriting risks
No major medical conditions
Build falls within the build chart
The general requirements for the program are that you need to be between the ages of and be looking at a death benefit face amount between $50,000 and $1 million. Its only for those Preferred and Super Preferred medical risks with no major medical conditions and with build that falls within the Principal build chart. There is a form that lists the medical conditions and build chart for you to follow and check.

6. Review the qualification checklist with your advisor
Easy as 1-2-3
Step 1:
Review the qualification checklist with your advisor
Step 2:
Complete the application (parts A and C, including HIPPA, informed consent, blood consent, etc.)
Step 3: Complete the min TeleApp interview (888-TeleApp, option 0)
Principal has tried to make this program as easy as 1,2,3.
Step 1 is review the qualification list with your advisor. From there, Step 2 is if you answered yes to each question on the checklist, continue on and complete parts A and C of the application. And finally, Step 3 is complete the Principal Teleapp Interview. The interviews typically take between minutes.

7. What if I answer “no” on the checklist?
You’re still a good candidate for life insurance
You just don’t fit the Principal Accelerated Underwriting program
Since we already have a full application, we need a mini exam and blood draw to move forward
Now a question you might be asking is what if I answer no to any of the checklist items? If that happens, that’s okay. You are still a good candidate for life insurance and to be able to possible get a Preferred or Super Preferred risk class, its just that more information is needed.

8. Questions?
Overall, the Accelerated Underwriting program from Principal is a new innovative program designed to make it easier for people who are in good health and have a need for life insurance to get it. If you have any questions about the program or need more details, please contact your local advisor who can assist you in looking at this process to see if its right for you. Thank you for your time and have a great day!