# EDGAR Filing Document

**Accession Number:** 0000009713
**File Stem:** 0000009713-25-000133
**Filing Date:** 2025-9
**Character Count:** 11412
**Document Hash:** 33f826d1d77da6b559c6a54494d0b8b2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000009713-25-000133.hdr.sgml**: 20250919

**ACCESSION NUMBER**: 0000009713-25-000133

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20250919

**DATE AS OF CHANGE**: 20250919

**EFFECTIVENESS DATE**: 20250919

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Principal Life Insurance Co Separate Account B
- **CENTRAL INDEX KEY:** 0000009713

**ORGANIZATION NAME:**
- **EIN:** 420127290
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-44670
- **FILM NUMBER:** 251325017

**BUSINESS ADDRESS:**
- **STREET 1:** THE PRINCIPAL FINANCIAL GROUP
- **STREET 2:** 711 HIGH STREET
- **CITY:** DES MOINES
- **STATE:** IA
- **ZIP:** 50392
- **BUSINESS PHONE:** 515-247-5461

**MAIL ADDRESS:**
- **STREET 1:** THE PRINCIPAL FINANCIAL GROUP
- **STREET 2:** 711 HIGH STREET
- **CITY:** DES MOINES
- **STATE:** IA
- **ZIP:** 50392

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRINCIPAL LIFE INSURANCE CO SEPARATE ACCOUNT B
- **DATE OF NAME CHANGE:** 20011016

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRINCIPAL MUTUAL LIFE INSURANCE COMPANY SEPARATE ACCOUNT B
- **DATE OF NAME CHANGE:** 19920703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANKERS LIFE CO SEPARATE ACCOUNT B
- **DATE OF NAME CHANGE:** 19870317

## Series and Classes Contracts Data

### PRINCIPAL LIFE INSURANCE CO SEPARATE ACCOUNT B (Series ID: S000001542)

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|  |  |
|:---|:---|
| Class Name                        | Class ID   |
| Premier Variable Annuity Contract | C000004190 |

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## Series and Classes Contracts Data

### PRINCIPAL LIFE INSURANCE CO SEPARATE ACCOUNT B (Series ID: S000001542)

| Class ID   | Class Name                        | Ticker Symbol   |
|:---|:---|:---|
| C000004190 | Premier Variable Annuity Contract |  |

**Supplement dated September 19, 2025**

**to the Prospectus dated May 1, 2025 for:**

**Premier Variable Annuity**

**Issued by Principal Life Insurance Company through its Principal Life Insurance Company Separate Account B** 

This supplement updates information contained in the Prospectus referenced above. Please retain this supplement for future reference.

**APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

For purposes of correcting a typographical error, the list of investment options available under the Contract contained in the above-referenced appendix is replaced with the following:

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br>**Advisor/Sub-advisor** | **Current Expenses (Net)** | **Average Annual Total Returns**<br>**(as of 12/31/24)** | **Average Annual Total Returns**<br>**(as of 12/31/24)** | **Average Annual Total Returns**<br>**(as of 12/31/24)** |
| **Type** | **Portfolio**<br>**Advisor/Sub-advisor** | **Current Expenses (Net)** | **1 year** | **5 year** | **10 year** |
| Asset Allocation | Principal VCF Diversified Balanced Account <sup>(2)</sup> – Class 1 <br>Principal Global Investors, LLC | 0.23% | 9.86% | 6.03% | 6.27% |
| Asset Allocation | Principal VCF Strategic Asset Management ("SAM") Portfolios <sup>(2)</sup> – Balanced Portfolio – Class 1 <br>Principal Global Investors, LLC | 0.70% | 12.62% | 6.75% | 6.79% |
| Diversified Emerging Markets | Principal VCF Global Emerging Markets Account – Class 1 <br>Principal Global Investors, LLC | 1.14% | 6.51% | 2.14% | 3.21% |
| Foreign Large Blend | Principal VCF Diversified International Account – Class 1 <br>Principal Global Investors, LLC | 0.85% | 4.71% | 4.64% | 5.06% |
| Intermediate Government | Principal VCF Government & High Quality Bond Account – Class 1 <br>Principal Global Investors, LLC | 0.50% | 0.62% | (1.18)% | 0.57% |
| Intermediate-Term Bond | Principal VCF Core Plus Bond Account – Class 1 <br>Principal Global Investors, LLC | 0.49% | 0.90% | (0.09)% | 1.58% |
| Large Blend | Principal VCF LargeCap S&P 500 Index Account – Class 1 <br>Principal Global Investors, LLC | 0.20% | 24.74% | 14.23% | 12.80% |
| Large Growth | Principal VCF LargeCap Growth Account I <sup>(4)</sup> – Class 1 <br>Principal Global Investors, LLC/Brown Advisory, LLC & T. Rowe Price Associates, Inc. | 0.67% | 25.14% | 13.93% | 14.63% |
| Large Value | Principal VCF Equity Income Account – Class 1 <br>Principal Global Investors, LLC | 0.48% | 15.50% | 8.43% | 9.48% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | **Portfolio**<br>**Advisor/Sub-advisor** | **Current Expenses (Net)** | **Average Annual Total Returns**<br>**(as of 12/31/24)** | **Average Annual Total Returns**<br>**(as of 12/31/24)** | **Average Annual Total Returns**<br>**(as of 12/31/24)** |
| **Type** | **Portfolio**<br>**Advisor/Sub-advisor** | **Current Expenses (Net)** | **1 year** | **5 year** | **10 year** |
| Mid-Cap Growth | Principal VCF MidCap Account <sup>(3)</sup> – Class 1 <br>Principal Global Investors, LLC | 0.53% | 20.27% | 11.65% | 12.57% |
| Money Market | Fidelity VIP Government Money Market Portfolio <sup>(1)</sup> – Initial Class <br>Fidelity Management & Research Company | 0.25% | 5.10% | 2.33% | 1.62% |
| Real Estate | Principal VCF Real Estate Securities Account – Class 1 <br>Principal Real Estate Investors, LLC | 0.79% | 5.59% | 3.90% | 6.25% |
| Small Blend | Principal VCF SmallCap Account – Class 1 <br>Principal Global Investors, LLC | 0.84% | 6.99% | 7.57% | 8.03% |
| <sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp;All references to the Money Market Division in this prospectus will mean the Fidelity VIP Government Money Market Division. <br><sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This underlying mutual fund is a fund of funds. The fund of funds expenses may be higher than other fund types because the expenses of the selected fund include the expenses of the funds it holds.<br><sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp;Effective August 16, 2013, the MidCap account is no longer available to customers with an application signature date on or after August 16, 2013. Beginning June 6, 2020, available to all investors regardless of application date.<br><sup>(4)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the underlying mutual fund's registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.  | <sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp;All references to the Money Market Division in this prospectus will mean the Fidelity VIP Government Money Market Division. <br><sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This underlying mutual fund is a fund of funds. The fund of funds expenses may be higher than other fund types because the expenses of the selected fund include the expenses of the funds it holds.<br><sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp;Effective August 16, 2013, the MidCap account is no longer available to customers with an application signature date on or after August 16, 2013. Beginning June 6, 2020, available to all investors regardless of application date.<br><sup>(4)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the underlying mutual fund's registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.  | <sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp;All references to the Money Market Division in this prospectus will mean the Fidelity VIP Government Money Market Division. <br><sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This underlying mutual fund is a fund of funds. The fund of funds expenses may be higher than other fund types because the expenses of the selected fund include the expenses of the funds it holds.<br><sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp;Effective August 16, 2013, the MidCap account is no longer available to customers with an application signature date on or after August 16, 2013. Beginning June 6, 2020, available to all investors regardless of application date.<br><sup>(4)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the underlying mutual fund's registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.  | <sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp;All references to the Money Market Division in this prospectus will mean the Fidelity VIP Government Money Market Division. <br><sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This underlying mutual fund is a fund of funds. The fund of funds expenses may be higher than other fund types because the expenses of the selected fund include the expenses of the funds it holds.<br><sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp;Effective August 16, 2013, the MidCap account is no longer available to customers with an application signature date on or after August 16, 2013. Beginning June 6, 2020, available to all investors regardless of application date.<br><sup>(4)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the underlying mutual fund's registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.  | <sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp;All references to the Money Market Division in this prospectus will mean the Fidelity VIP Government Money Market Division. <br><sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This underlying mutual fund is a fund of funds. The fund of funds expenses may be higher than other fund types because the expenses of the selected fund include the expenses of the funds it holds.<br><sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp;Effective August 16, 2013, the MidCap account is no longer available to customers with an application signature date on or after August 16, 2013. Beginning June 6, 2020, available to all investors regardless of application date.<br><sup>(4)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the underlying mutual fund's registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.  | <sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp;All references to the Money Market Division in this prospectus will mean the Fidelity VIP Government Money Market Division. <br><sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This underlying mutual fund is a fund of funds. The fund of funds expenses may be higher than other fund types because the expenses of the selected fund include the expenses of the funds it holds.<br><sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp;Effective August 16, 2013, the MidCap account is no longer available to customers with an application signature date on or after August 16, 2013. Beginning June 6, 2020, available to all investors regardless of application date.<br><sup>(4)</sup>&nbsp;&nbsp;&nbsp;&nbsp;This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the underlying mutual fund's registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.  |

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