• For members age 60 and under, you have the option of choosing Principal Life Disability Income (insures your earnings), DI Retirement Security (insures your retirement savings), and/or Overhead Expense (pays the fixed expenses of your business).
• There is a supplemental offering of $1,000,000 of lump sum disability coverage available to members and clients under age 65 on a modified guaranteed issue (MGI) basis and to age 69 with medical underwriting.

Below is a brief summary of the program highlights.

• All policy premiums are discounted 10% because you are an active member of the Agents Alliance (10% discount not available on Overhead Expense policies in CA).
• The policies contain the most comprehensive definitions of disability (i.e. Own Occupation definition of total disability to age 65).
• You can insure up to 100% of your income against catastrophic disabilities.
• The premiums are level and guaranteed not to change, to age 65.
• Your coverage goes with you without increases in premium or changes in the benefits, regardless of where you work or what associations you belong to.
• The DI Retirement Security and Overhead Expense Policies are available in addition to the maximum Disability Income coverage for which you qualify.