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Principal Life Insurance Company

Principal Life Insurance Company, part of the Principal Financial Group, has been in business for over 120 years. With total assets of over $134 billion, the Principal Financial Group is rated A+ (Superior) by A.M. Best Company, Aa3 (Excellent) by Moody’s Investors Service, and AA (Very Strong) by Standard & Poors. Principal Financial Group fully insures Principal Life Insurance. This means that Principal Life Insurance is a stable, reliable company that will be able to meet your insurance needs in the years to come. Principal Life Insurance services the entire United States.

Principal Life Insurance offers life insurance policies to employers. Basic Group Term Life will assist covering unexpected costs in the event of a sudden death. It will also cover an employee who is disabled. The Principal Financial group has two types of Accidental Death and Dismemberment policies available to meet your needs. The company offers two types of voluntary policies where your employees pay the premiums, one which covers your employees and one which covers your employees' dependents. Policies offered may vary according to your state and the number of employees that work for your company.

Principal Financial Group also offers life insurance to individuals. Principal Life Insurance offers several types of universal life insurance policies to meet your needs. In general, universal life insurance has a cash value. A universal life insurance policy's value will increase over time because of interest paid on the policy. There is a minimum interest rate guarantee with this type of life insurance. A variable universal life insurance policy does not have a guaranteed interest rate. In this type of policy, returns are determined by the performances of investment accounts. So, a variable universal life insurance policy might out-perform or under-perform a universal policy. Principal Financial Group also offers term insurance, usually for one, five, ten, or twenty year periods.

If you are looking for life insurance, whether it is personal or for your business, Principal Life Insurance has the expertise to help you.

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