A+
AM Best Rating
$3,000,000
Max Coverage
Yes
No Exam Available
Overview
Principal Financial is a Fortune 500 company with strong financial ratings. Their term life products are competitively priced and their accelerated underwriting program can approve qualified applicants without an exam.
✅ Pros
- ✓Fortune 500 financial stability
- ✓Accelerated underwriting available
- ✓Good rates for preferred and preferred-plus health classes
❌ Cons
- ✗Agent-driven process (not fully online)
- ✗Limited simplified issue options
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