Are You Meeting Your Business Insurance Needs?

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1 FOR BUSINESS OWNERS Principal Variable Universal Life Income II SM Are You Meeting Your Business Insurance Needs?

2

3 Meeting your business needs Individuals buy life insurance for many reasons. One key reason is the tax-free death benefit for their beneficiaries. 1 As a business owner, however, you have to balance your personal insurance requirements with some important business insurance needs. Principal Variable Universal Life (VUL) Income II SM is a life insurance policy that can help you achieve both your business and personal longterm financial goals. A unique solution VUL Income II was designed with you, the business owner, in mind and may provide potential early cash values for business needs. The Surrender Value Enhancement rider 2 available in VUL Income II increases the cash surrender value in years one through seven, which may help business owners offset a large hit to earnings associated with business-owned life insurance. If you fully surrender your policy within the first seven policy years, we will adjust the amount of surrender charge we collect. The Surrender Value Enhancement rider is available on policies issued for business cases (employersponsored and/or employer-owned policies). If the Surrender Value Enhancement rider is selected, there is an additional charge (currently 3% of premiums in excess of Target Premium) imposed during the benefit period of the rider. Is VUL Income II right for your business needs? In addition to death benefit protection, VUL Income II, with its high early cash value potential, can: Help you avoid a large hit to earnings commonly associated with business-owned life insurance. Help provide executive benefits to selected key employees Principal Life offers complete business solutions, including Principal Executive Bonus Plus SM, Principal S Owner Plus SM, Principal Split Dollar Plus SM and key person insurance. Be a valuable tool for business succession planning. Provide access to cash values to supplement income planning in later years. A variable universal life policy has underlying variable investment options. Sub-account values will fluctuate based on the performance of the underlying investment options. This type of policy differs from traditional life insurance in that there are inherent risks. A variable universal life policy owner agrees to assume the associated investment risks and seeks the growth opportunity that equity and bond markets may provide. If you are willing to assume this potential risk for increases in cash value, then this type of policy may be right for you. 1 In exchange for the death benefit, life insurance products charge fees such as mortality and expense risk charges and surrender fees. 2 Please see the Surrender Value Enhancement rider description in your policy for full details.

4 VUL Income II features Tax-free survivor benefits Your beneficiaries receive a federal income tax-free death benefit. High early cash values The Surrender Value Enhancement rider gives you the high early year cash values you need. Investment options You may allocate your premium to your choice of more than 50 investment options with well-known fund families and money managers across many style categories. You also have the option of choosing between two do-it-for-me options Principal LifeTime Accounts or Principal Strategic Asset Management (SAM) Portfolios. The Principal LifeTime Accounts, which are target-date accounts, invest in underlying Principal Funds. Each Principal LifeTime Account is managed toward a particular target (retirement) date, or the approximate date the participant or investor starts withdrawing money. As each Principal LifeTime Account approaches its target date, the investment mix becomes more conservative by increasing exposure to generally more conservative investment options and reducing exposure to typically more aggressive investment options. The asset allocation for each Principal LifeTime Account is regularly re-adjusted within a timeframe that extends years beyond the target date, at which point it reaches its most conservative allocation. Principal LifeTime Accounts assume the value of the investor s account will be withdrawn gradually during retirement. Neither the principal nor the underlying assets of the Principal LifeTime Accounts are guaranteed at any time, including the target date. Investment risk remains at all times. Tax-free withdrawals You may take partial surrenders up to basis followed by loans without creating a taxable event, provided the policy is not a modified endowment contract 3 (MEC), and the policy ends in a death benefit. Partial loans or surrenders may be subject to policy charges, surrender charges and transaction fees, and will reduce the cash values and death benefits. Automated income distribution With this feature, you have a hassle-free way to receive supplemental retirement payments from your VUL Income II policy on a monthly, quarterly, semi-annual or annual basis. Death benefit options Three death benefit options provide the flexibility to tailor a benefit that meets your specific needs: Death Benefit Option 1 (DBO1) (level) DBO2 (face + policy value) DBO3 (face + premiums paid less surrenders) Administrative services The Principal Financial Group provides ongoing plan administrative services through our dedicated Business Market Administration area. 3 Modified Endowment Contract is defined by the Technical and Miscellaneous Revenue Act (TAMRA), established in Consult your tax advisor for more information.

5 Features designed with you in mind Return of COI rider 4 All insurance carriers make you pay cost of insurance (COI) charges. With VUL Income II, we give at least the first 15 years worth of charges back! That s right, when you reach the later of your 15th policy year or reach your attained age 60 policy anniversary, we refund 100 percent of the COI charges that you have paid up to that point. Death Benefit Advance rider 4 With this rider, you may take partial advances from your policy face amount if you are diagnosed as terminally ill, confined to a nursing home or incur a catastrophic health condition. 4 All conditions must meet the qualifications as described in the policy. Change of insured rider 4 Allows you to name a new insured for the policy. The total policy face amount and the accumulated value remain the same. The riders attached to the original policy end on the change of the insured date, and riders for the new insured may be added with underwriting approval. This feature is available on business cases only. Life Paid-Up rider 4 Under certain circumstances, this rider can keep the policy from lapsing when there is a large policy loan (or loans) outstanding. If you are 75 years or older and the policy has been in force for at least 15 years, the Life Paid-Up rider can ensure the policy will not lapse by converting it to paid-up life insurance, even if the policy would otherwise lapse. The rider is automatically added to all policies in states where it has been approved. FOR MORE INFORMATION Call the National Sales Desk at Policy rider descriptions are not intended to cover all restrictions, conditions or limitations that may apply. See the rider for full details. Riders are subject to state variations and availability. Some riders may require additional premium.

6 WE LL GIVE YOU AN EDGE Principal Life Insurance Company, Des Moines, Iowa , This material is not authorized for distribution unless preceded or accompanied by the VUL Income II consumer brochure, LV 285, and a current prospectus or, if available, a summary prospectus, that includes information about the investment option s objectives, risks, charges and expenses. Please read it carefully. Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Asset allocation does not guarantee a profit or protect against a loss. Investing in real estate, small-cap, international and high-yield investment options involves additional risk. All guarantees are based on the claims-paying ability of the issuing insurance company. Principal Variable Universal Life Income II is issued by Principal Life Insurance Company and distributed through Princor Financial Services Corporation, 800/ , member SIPC, and/or independent broker/dealers. Principal Life and Princor are members of the Principal Financial Group, Des Moines, IA Not FDIC or NCUA insured May lose value Not a deposit No bank or credit union guarantee Not insured by any Federal government agency LV Policy Form SF 755/Rider Forms SF 756, 758, 759, 789, and /2014 t

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