Principal’s well-established portfolio of quality benefits are tailored to the needs of businesses with 3+ employees. Principal supports brokers’ need to offer clients the right benefits at the best price to meet their budget through a variety of benefit and network choices. Principal makes the purchase and implementation process seamless, whether the benefits are employer-paid or voluntary. With personalized enrollment forms and enrollment meeting assistance, brokers are supported throughout the implementation to ensure maximum participation with minimal effort.

Principal offers a unique POS product in California, in addition to the more traditional PPO, EPO and DHMO products. The popular POS product determines the right benefit at the time of services, depending on if the member visits EPO, PPO or non-network dentist. Principal’s network ranks #1 in size in many metropolitan statistical areas, so fewer employees will need to change their dentist when switching from another carrier.

Principal’s disability coverage supports employees when they need it most, and protects employers when injury or illness prevents employees from working. Short-term and Long-term disability covers employees when they are unable to perform job duties or when there is a loss of income due to disability. This generous ‘or’ definition means better protection from disability-related loss.

Term life insurance is available as employer-sponsored and voluntary, with the option to add Accidental Death & Dismemberment (AD&D) as well. Helping individuals receive the benefits promised is Principal’s top priority. Often claim information can be gathered over the phone without having to submit a claim or death certificate.

Simple and affordable, vision insurance is a valued addition to an employer’s benefits package. Principal provides an established network of VSP providers, including both independent and retail chains.

Cancer and heart attacks are not only debilitating physically, they can also be financially debilitating even with medical insurance. Critical illness coverage provides another layer of coverage to ensure peace of mind if high-cost illnesses strike. Plan features include spouse/child coverage, an optional wellness benefit, and optional portability.

Accident insurance pays an up-front benefit based on covered injuries received because of an accident. It’s not dependent on services, tests or treatments, so a covered employee or family member can get paid right away with less paperwork. And there’s no guesswork about the benefit amount. Covers burns, comas, concussions, dental or eye injuries, dislocations, fractures, internal injuries, and disc/knee cartilage/tendon/ligament/rotator cuff injuries.

For more details on Principal’s products or for assistance with a quote, please contact Claremont at 800.696.4543 or quotes@claremontcompanies.com.