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Long Term Income Protection

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Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t be long at all: Half of working Americans couldn’t make it a month before financial difficulties would set in, and almost one in four would have problems immediately.

That’s where disability insurance comes in. Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.

Your ability to earn is by far your most valuable asset. More valuable than a car or a house or any jewelry you own. Why? Because your ability to earn is the foundation that a car, a house and anything else you purchase rests on.

You don't think it will happen to you.

Over 3 million people reported an injury or illness that prevented them from doing their job in 2013. It is important to remember that nobody believes bad things can happen to them. Until it does.

An Individual Disability Income (DI) insurance policy from Principal Life Insurance Company helps protect your most valuable asset – your ability to work and earn an income – if you become too sick or hurt to work.

Why secure income protection today?

Take advantage of Re/Max premium discount, short application, simplified issue policy with up to $4,000 dollars of monthly benefit; with the opportunity to add more protection if needed.

Call today 844-315-3812 or use our quick online quoting tool to begin.

Get quote & apply »


The policy is non-cancelable and has guaranteed premium rates to age 65.

  • Principal Life cannot change or cancel your policy, except for nonpayment of premiums, or increase your premium before you reach age 65 (unless you request additional coverage), regardless of changes in your income, occupation or health.

The following features are automatically built into your policy:

  • Rehabilitation Benefit – If you are disabled under the terms of the policy, an extra benefit may be available to help pay for a rehabilitation program to return to work.
  • Death Benefit – A lump-sum benefit of three times your maximum monthly benefit is paid to your beneficiaries if you die after satisfying your elimination period while receiving disability benefits. This benefit is payable in addition to any other benefit of the policy.
  • Waiver of Premium Benefit – After you’re disabled for the lesser of 90 days or the elimination period, we’ll waive premiums that become due during your Continuous Disability

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