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Principal Life Insurance Company

Principal Agent Appointment Forms
  The Principal Financial Group is a leading global financial company offering businesses, individuals and institutional clients a wide range of financial products and services.  

See What Principal And Our Insurance Brokerage System Has To Offer!

Principal Life Insurance Company products and services includes retirement solutions, life and health insurance, wellness programs, and investment and banking products through our diverse family of financial services companies and national network of financial professionals.

Life Insurance

Life insurance provides a degree of financial protection against the certainty of death and can help survivors achieve specified financial objectives. Life insurance death benefits are usually income tax free and can be used to complete a retirement plan, generate lifetime income, pay off the mortgage, and provide funds for childcare, college educations and more. Life insurance policies that accumulate cash value can often provide tax-advantaged money to help meet retirement or emergency cash needs.

Many factors are involved in determining the amount and type of life insurance that's right for you. To help people better understand life insurance, The Principal Financial Group® developed the From Here to SecuritySM program - complete with a step-by-step educational booklet and interactive calculator. These tools, along with your financial representative, can help you identify the amount and specific types of life insurance that will help you achieve your financial goals.

Types of life insurance available from The Principal® include:

Universal Life Insurance

  • Delivers flexible death benefits and flexible premiums (as long as the cash values are enough to cover insurance costs)
  • Usually includes a cash value account that accumulates at a floating rate of interest, with a minimum rate guarantee
  • Accumulates cash value that may be used to help pay for the cost of insurance, riders and other policy expenses
  • May provide secondary guarantees such as no-lapse protection that allows for you to dial in your coverage period from 10 years to age 100

Variable Universal Life Insurance

  • Combines the flexibility of universal life with the performance of investment accounts - with a focus on accumulating cash values
  • Is performance-based and may outperform or underperform a traditional whole life or universal life policy
  • Has flexible death benefits and flexible premiums (as long as the cash value of the policy is adequate)
  • Directs net premium to investment accounts, with potential growth in cash value and death benefits tied to the accounts' performance, except in the fixed account there is no guaranteed rate of return and you could lose money

Survivorship Life Insurance

  • Covers two lives, where the death benefit is payable on the death of the second life
  • Is commonly used in estate planning, where the first spouse to die leaves his or her estate to the surviving spouse, utilizing the unlimited marital estate tax deduction; the estate then becomes taxable upon the death of the second spouse

Term Insurance

  • Provides protection for a specific term (typically one, five, ten or twenty years)
  • Produces a death benefit that is generally free from income taxes
  • Is often renewable after the policy term without evidence of insurability
  • Usually costs less than permanent insurance in the short-term
  • Can usually be converted to permanent insurance with the same company during part of the life of the policy



Principal Life Insurance Company
Address1 711 High St
Address2 -
City Des Moines
State IA
Zip 50392-1520
Phone Number 800-654-4278
Fax Number -

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Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

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Download top brokerage appointment forms-

Get a state specific term
life insurance application-

Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

Request state specific brokerage life application forms-

Mail completed forms to -

  Insurance Brokerage America

  National Marketing
  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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