Individual Disability Insurance

Individual Disability Insurance for LSMS MembersOMNI LSMS Offers a Full Line of Disability Solutions...

Up to 20% in Premium Discounts1 on Individual Disability Income Insurance for Louisiana State Medical Society members!


Disability Income

  • Replaces a portion of earned income lost due to a disability.
  • Non-cancelable, guaranteed renewable to age 65 and conditionally renewable for life.
  • Can be used to enhance an employee benefit package.

DI Retirement Security

  • Innovative solution that helps clients continue to save for retirement in the event of a disability.
  • Provides access to trust assets if a significant hardship occurs.
  • Pays monthly benefits directly to an irrevocable trust; at the end of the benefit period, trust assets are paid to the insured as retirement income.

Key Person Replacement2

  • Designed for small- to medium-size businesses that rely on the expertise and skills of key employees who are critical to the livelihood of the company.
  • Provides benefits to businesses to help offset the loss of a key employee due to a total disability.
  • Conditionally renewable to age 65 with guaranteed premiums.

Overhead Expense

  • Designed for owners of small- to medium-size businesses whose personal service is key to the continued earning of business income; reimburses an owner for fixed business expenses incurred during a disability.
  • Business Loan Protection rider, which helps cover business-related loan obligations in the event of a total disability.
  • Non-cancelable, guaranteed renewable to age 65 and conditionally renewable for life.

Disability Buy-Out

  • Designed for professionals and owners of small- to medium-size businesses who are full-time, active and key to the continuation of the business.
  • Reimburses the purchase of a permanently disabled business owner’s interest under a buy-sell agreement.
  • Conditionally renewable to age 65 with guaranteed premiums.

Principal Life Key Differentiators

  • Provides excellent service and support to producers and their clients before, during and after the sale.
  • Offers unparalleled focus and expertise in the small- to medium-size business market.
  • Competitive compensation, including strong first year and renewal commissions and bonus programs.

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YES!   I would like more information on the Individual Disability Insurance for LSMS members and the 20% premium discount.   (All fields are required.)

Practice/Group Name:
Physician's Name:
Date of Birth:
Medical Specialty:
Address:
City, State, Zip Code:
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Sex: Male   Female
Smoker: Yes   No
Amount of Disability Coverage Desired: $

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1 – Up to 20% includes 10% Association and up to 10% MNSA rider discount.
2 – For state approvals, go to: www.principal.com/distateapprovals

Principal Life Insurance Company, Des Moines, Iowa 50392-0002
Insurance issued by Principal Life Insurance Company, a member of the Principal Financial Group®, Des Moines, Iowa 50392-0002
Disability insurance has limitations and exclusions.
For costs and complete details of the coverage, contact your Principal Life financial representative.
Policy forms HH 750
www.principal.com

Click Here for the Disability Insurance Needs Calculator.