Common questions

Take a look at what others asked. If your question isn't answered, let us know. We're here to help. If you’re already registered, you can also use the help links in the app, where you’ll find more FAQs and program details.

Why is Principal offering this program?

We want to help people live their best life. We know that a healthy, active lifestyle is a big deal, and we’re here to give a little extra motivation — because most days, we all need it.

Who can join?

Anyone can use the app. So, go ahead and invite others. It’s a great way to engage in a little healthy competition between you and your family, friends or co-workers. However, only certain users will have full app access, including eligibility for gift cards.

How do I get the app?

The first step is to access from your mobile phone. There, you'll see a link for the App Store and Google Play. Choose the app store you use for your phone, and the link will take you directly to the My Principal Lifestyle mobile app. The app store will provide you with a quick description of the app, and the opportunity to download. Just select the download/get option and enter your app store credentials. After the app has downloaded, you can select to open it from the app store or from your phone by selecting the My Principal Lifestyle icon.

How long is this program?

My Principal Lifestyle is a program starting in May 2018. This program isn't a permanent service offering of Principal; rather it's an opportunity for us to learn about how we can help motivate you to live a healthy lifestyle. As the program comes closer to its end date, we will communicate with you about the final date to redeem your points, if eligible.

What fitness apps and tracking devices sync with My Principal Lifestyle?

You can sync with fitness apps you might already have on your phone, such as Apple Health. Or, better yet, sync with activity tracking device, such as Apple Watch, Fitbit, Misfit, Garmin, Nokia and more. Download the app and register to see the full list.

Who is eligible for gift cards?

Full app access, including the ability to redeem points, is dependent on the following eligibility requirements:

  1. Qualifying life insurance‌ policy* is issued on or after May 1, 2018
  2. Policy is issued in CA, CO, IA, MA, NJ, OH, PA or WI**
  3. Policy becomes in force during program
  4. Applicant is 18 years of age or older and insured is the policy owner
    • Qualifying products include: Principal Term (10-, 15-, 20- and 30-year), Principal Indexed Universal Life Flex‌SM, Principal Indexed Universal Life Flex II‌SM, Principal Indexed Universal Life Accumulation‌SM, Principal Universal Life Protector IV‌SM, Principal Universal Life Accumulation‌SM, Principal Universal Life Flex II‌SM, Principal Universal Life Flex III‌SM, Principal Universal Life Provider Edge‌SM. Policy applications received more than 90 days prior to program state approval don’t qualify.

How much might I earn?

It's simple. You get points for being active, achieving daily goals, finishing challenges, and even for learning a thing or two about financial wellness and Principal along the way. If you become an eligible policy holder, you can redeem points for gift cards to popular retailers. It’s easy to earn points — and for every 5,000 you earn, you’ll get $1 in rewards. You can get a $5 gift card once you get 25,000 points, or save up your points for something bigger. It's like getting paid for things you're already doing. Average everyday activity and a little time on the app adds up to big rewards. So how much you earn is up to you, based on your activity and engagement.

How do I get points?

Points are the name of the game because they earn you gift cards. Here's how you can rack’em up. On day one, you can set various personal goals. Then you get up to 1,400 points per day for walking, climbing or biking. Take it further with challenges – they're fun ways to push yourself and earn anywhere from 500 – 1,500 points per week. Finally, you'll get 500 points for easy polls and quizzes that grow your financial wellness, awareness of Principal, our solutions and how they can fit your life.

Where can I shop?

Once you’re eligible and ready to redeem your points, you'll be able to choose from places where you go all the time, like Amazon, Google Play, iTunes, Starbucks, Target, Walmart and many other popular retailers.

What's the catch?

There isn't one! There's no fee and we won’t misuse your information. Even if you don’t purchase life insurance and gain eligibility for gift card rewards, you can still use the app for extra motivation to lead a healthy lifestyle. Along the way, you can trust we're following top-notch security and privacy protocols. The fact is, we value our relationship with you. That's why we won't sell or misuse your data — ever.

* Qualifying products include: Principal Term (10-, 15-, 20- and 30-year), Principal Indexed Universal Life FlexSM, Principal Indexed Universal Life Flex IISM, Principal Indexed Universal Life AccumulationSM, Principal Universal Life Protector IVSM, Principal Universal Life AccumulationSM, Principal Universal Life Flex IISM, Principal Universal Life Flex IIISM, Principal Universal Life Provider EdgeSM

** Additional states may become available, subject to approval.