Enhanced caps 2024

Principal Financial Group

Financial Strength A+
IUL Experience 5 years
Policy Portfolio 2 products

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Founded

1879

Assets

$629 billion+ AUM

AM Best

A+

Participating

110%

Financial Strength Ratings

AM Best A+

S&P Not disclosed

Moody's Not disclosed

Product Benchmarks

Typical Cap Range

Min: 8% | Max: 10% | Current average: 9%

Participation Rates

Min: 100% | Max: 120% | Current average: 110%

Typical Fees

Coi range: Moderate | Admin fee: Standard | Premium load: Standard

About Principal Financial Group

Offers IUL Accumulation II, IUL Flex II

Enhanced caps announced January 2024

Serves 17 million

Company Profile

Headquarters

Des Moines, Iowa

Founded

1879

Years in IUL

5 years

Assets Under Management

$629 billion+ AUM

Minimum Premium

$5,000 annual

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks

Website

www.principal.com

Financial Ratings

AM Best A+

S&P Not disclosed

Moody's Not disclosed

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Principal Financial Group

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

IUL Accumulation II

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 10% (enhanced January 2024)

Floor Protection 0%%

Participation Varies: 100% to 120%

Minimum Premium $5,000 annual

Issue Ages 0-85

Enhanced caps January 2024
$629B+ AUM
Serves 17 million
Index options: S&P 500, Multiple strategies

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IUL Policy

IUL Flex II

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 10%

Floor Protection 0%%

Minimum Premium $5,000 annual

Issue Ages 0-85

Flexible design options
Index options: S&P 500, Multiple options

View Full Details

Personalized Planning

Map Out Your Principal Financial Group Strategy

Partner with fiduciary-aligned specialists to benchmark Principal Financial Group against other carriers and design an IUL strategy around your goals.

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

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Response within one business day

Frequently Asked Questions

Principal Financial Group currently offers 2 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Principal Financial Group maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.

Enhanced caps 2024