Individual Disability Insurance Association Programfor the

Delaware County Medical Society

Insurance issued by Principal Life Insurance Company, a member of the Principal Financial Group®, Des Moines, IA 50392.

Successful Financial Strategy

Disabilities play no favorites

Recognizing the Need

• In the U.S., a disabling injury occurs every 1 second, whereas a fatal injury occurs every 4 minutes.-National Safety Council®, Injury Facts® 2008 Ed.

• The average duration of a long-term disability is 30 months.-JHA Disability Fact Book, 2006

• A new Harvard University report reveals that 62 percent of all personal bankruptcies filed in the U.S. in 2007 were due to an inability to pay for medical expenses.-June 4, 2009. The American Journal of Medicine

Disability’s Triple Threat

As an owner of your own practice, you face a triple threat if a disability were to strike…

• Keeping a roof over your head

• Keeping your practice's’ door open

• Keeping the investment in your practice intact

Keeping a Roof Over Your Head

Personal income protection so you can:

• Provide for your family if you become too sick or hurt to work

• Maintain your lifestyle without draining savings or your practice’s profits

• Protect a higher level of your income (in the event you have Group LTD insurance)

Individual Disability Income (DI) insurance

Keeping Your Practice's Doors Open

With Overhead Expense insurance:

• Fixed business expenses are reimbursed

• You don’t rely on creditors

• Your savings and investment plans aren’t jeopardized

• Avoid foreclosure or liquidation

• Premiums are tax-deductible

Disability Buy-Out (DBO) insurance

• Funds a buy-sell agreement to buy out a disabled owner of the practice (on a reimbursement basis).

• If you or your business partner(s) suffered a disability and couldn’t work, what impact would that have on your long-term business plan?

Keeping the Investment into your Practice Intact

Integrated Disability Solution to Protect You and Your Practice

Delaware County Medical Society

Member Benefits

• You’re eligible for up to 30% in premium discounts*

• Top-quality coverage from a company that provides exceptional customer service

• Excellent claims handling and service

* Discounts include: 10% Association Discount, 10% Mental/Nervous and Substance Abuse Disorder rider (not available on Overhead Expense or Disability Buy-Out insurance), and 20% Multi-Life Discount (available when three or more individuals from the same employer/association purchase Individual Disability Insurance coverage).

Questions? QUESTIONS?

For more information, contact:

Lauren Stuart or Nancy McFallsTycor Benefit Administrators, Inc.

Phone: (610) 251-0670Email:  lstuart@tycorbenefit.com

Principal Life Insurance Company, Des Moines, Iowa 50392-0002, www.principal.com© 2009 Principal Financial Services, Inc. While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information

about the subject matter covered and is provided with the understanding that The Principal is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid

penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements. Insurance is

issued by Principal Life Insurance Company, a member of the Principal Financial Group®, Des Moines, Iowa 50392.

No part of this presentation may be reproduced or used in any form or by any means, electronic or mechanical, including photocopying or recording, or by any information storage and retrieval system,

without prior written permission from the Principal Financial Group.

Disability insurance has certain limitations and exclusions. For costs and complete details of coverage, contact your Principal Life representative.

Tycor Benefit Administrators is not an affiliate of any member company of The Principal Financial Group.

DI 2221 | #5057072009