Individual Disability Income Insurance
Income Protection for You and Your Employees — at a Discount!
Employers like you face many challenges, particularly when wanting to offer competitive employee benefits at an affordable price. Did you know:
• Nearly three-fourths of employees (72%) rated the emotional impact of becoming disabled and not being able to work for a living as a nearly devastating event.
• 69% of employees surveyed said good employee benefits encourage them to work harder and perform better; 68% said good benefits keep them working for their current employer.
Offering Individual Disability Income (DI) insurance from Principal Life Insurance Company is a great way to enhance your employee benefits package. Plus, underwriting programs can be customized to meet your needs and the needs of your employees — at discounted rates! Our offerings are flexible, affordable and easy.
Available underwriting programs
• Fully Underwritten: Full underwriting reviews are conducted and maximum benefit amounts are available.
• Simplified DI Multi-Life: Provides benefits, up to a set maximum, with no routine medical requirements.
• Standard Issue (GSI): Individual DI insurance policies are issued to groups of employees without requiring routine medical inquiries, attending physician statements (APSs)or electrocardiograms (EKGs).
• Fallback GSI: Offers the maximum DI benefits available with the safety net of a GSI offer if an underwriting concern arises.