The Principal Group

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Principal Group Agent Contracting

Summarized View:

The Principal Group is an international investment company that is currently headquartered at Des Moines in Iowa. The company provides customers with a range of financial services which include insurance, retirement solutions and investment services. The firm was founded in 1879 and is today a member of the Fortune 500 with over $438.2 billion in total assets as of 2016.

The Principal Group serves over 19.4 million customers globally with offices Australia, Europe, Asia, North America and Latin America. The company generates operational earnings to the tune of $1.1 billion and a net income of $879.7 million during the year 2016.

Agent Benefits Include:

  • Excellent agent commissions
  • Fixed income and index annuity innovators
  • Accident and health insurance living benefit innovators
  • Custom term life coverage with choice of RoP

Client Benefits Include:*

  • Outstanding, responsive customer service
  • Flexible underwriting
  • Products for all ages
  • More value placed in people
  • Committed to their promises
  • Services based around customer requirements

Product Overview:

The Principal Group offers customers wide range of insurance products and these include Disability insurance, life insurance, vision, dental, voluntary insurance and critical illness. Their life insurance are particularly popular with the masses and some of the standard products offered by the company include term life, variable life, universal life and survivorship life insurance. The latter insurance product is designed to cater to couples where death benefits are payable upon the death of the second life. This can be highly beneficial for estate planning since the first spouse can leave the estate to the other surviving partner and the estate becomes taxable only upon the death of the second spouse.

The Principal Group has received several awards over the years which includes the United Way of America’s Spirit of America award for their charitable contributions to the community. The company was also recognized by the Wellness Councils of America with firm being honored with the title of Platinum Well Workplace.

The company is also recognized by all top ratings providers, including a Standard and Poor's rating of A+, a Fitch rating of AA-.

$2 Million of Term Insurance with No Medical Exam Program

Available to clients up to age 60 at Preferred and Preferred Best rates only.


Follow the steps below to assist your clients in getting $2 Million in coverage without ever having to take a medical exam.


1. If you have a client that is Preferred or Preferred Plus, Apply for $1M of term coverage with Principal using their Accelerated Underwriting Program.


Plan Details


Underwriting Checklist


2. Once the Principal Term policy is in place, you can then use the Transamerica TOP Plus program to get an additional $1M of coverage, again with no medical exam.


Plan Details


All applications for this program can be done electronically through the ORG eSelling Platform.

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Principal Group Videos that Help You Sell

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* The information provided is intended for licensed insurance agents only. It is not intended for the purpose of advertising the insurance products to the general public.

"Best system in industry for insurance agents - anything less in not acceptable.

Step number #1 - NAAIP's insurance website helps agents project themselves as top level professional with minimal time and effort.

Step number #2 - Being among the largest brokerages in the insurance industry, allows agents access to top commissions and resources on every case.

Commitment to growing this relationship is nurtured by providing best in class service. Our attorneys, underwriters, case managers and sales experts will help you grow your business - one client at a time. Welcome to our team, a system that is uniquely suited for insurance professionals in this new millennium."

Aaron Levy - Website Owner,

Moses Newman - Chief Technical Officer,