# EDGAR Filing Document

**Accession Number:** 0000009712
**File Stem:** 0000009712-26-000084
**Filing Date:** 2026-5
**Character Count:** 9545
**Document Hash:** d429092f6d63956e7f8a60416e270c85
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000009712-26-000084.hdr.sgml**: 20260529

**ACCESSION NUMBER**: 0000009712-26-000084

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260529

**DATE AS OF CHANGE**: 20260529

**EFFECTIVENESS DATE**: 20260529

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRINCIPAL LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0000009712

**ORGANIZATION NAME:**
- **EIN:** 420127290

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-282080
- **FILM NUMBER:** 261039850

**BUSINESS ADDRESS:**
- **STREET 1:** 711 HIGH STREET
- **CITY:** DES MOINES
- **STATE:** IA
- **ZIP:** 50392-0300
- **BUSINESS PHONE:** 5152475111

**MAIL ADDRESS:**
- **STREET 1:** 711 HIGH STREET
- **CITY:** DES MOINES
- **STATE:** IA
- **ZIP:** 50392-0300

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PRINCIPAL MUTUAL LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 19920929

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANKERS LIFE CO
- **DATE OF NAME CHANGE:** 19600201

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANKERS LIFE ASSOCIATION
- **DATE OF NAME CHANGE:** 19600201

## Series and Classes Contracts Data

### PRINCIPAL LIFE INSURANCE CO (Series ID: S000089861)

---

|  |  |
|:---|:---|
| Class Name                 | Class ID   |
| Principal Strategic Income | C000256689 |

---

## Series and Classes Contracts Data

### PRINCIPAL LIFE INSURANCE CO (Series ID: S000089861)

| Class ID   | Class Name                 | Ticker Symbol   |
|:---|:---|:---|
| C000256689 | Principal Strategic Income |  |

**RATE SHEET SUPPLEMENT**

**DATED June 1, 2026 TO THE PROSPECTUS DATED June 1, 2026 FOR** 

**PRINCIPAL**<sup>®</sup> **STRATEGIC INCOME**

We are issuing this Rate Sheet Supplement (this "Supplement") to provide the Initial Secure Income Percentages and Secure Income Deferral Credit percentage (the "Secure Income Percentages") we will be offering during the period set forth below. This Supplement replaces and supersedes any previous Rate Sheet Supplement to the Principal<sup>®</sup> Strategic Income prospectus. When delivered in connection with the offer or sale of a new Contract, the prospectus must be accompanied by this Supplement.

The Secure Income Percentages set forth below apply to applications signed between June 1, 2026 and June 30, 2026. The Secure Income Percentages may be different than those listed below for applications signed after June 30, 2026. For that reason, it is important you have the Rate Sheet Supplement with the most current Secure Income Percentages as of the date you sign the application.

**<u>Secure Income Percentages for Level Income Option:</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Single Payout Rates** | **Single Payout Rates** | **Single Payout Rates** | **Single Payout Rates** | **Single Payout Rates** | **Single Payout Rates** | **Single Payout Rates** | **Single Payout Rates** |
| **Level** | **Level** | **Level** | **Tiered** | **Tiered** | **Tiered** | **Tiered** | **Tiered** |
| Age | Beginning Income Rate | Deferral Credits | Age | High Rate | Low Rate | High Deferral Credits | Low Deferral Credits |
| 45 | 3.85% | 0.30% | 45 | 5.35% | 2.60% | 0.30% | 0.30% |
| 46 | 3.95% | 0.30% | 46 | 5.45% | 2.60% | 0.30% | 0.30% |
| 47 | 4.05% | 0.30% | 47 | 5.55% | 2.60% | 0.30% | 0.30% |
| 48 | 4.15% | 0.30% | 48 | 5.65% | 2.60% | 0.30% | 0.30% |
| 49 | 4.25% | 0.30% | 49 | 5.75% | 2.60% | 0.30% | 0.30% |
| 50 | 4.35% | 0.30% | 50 | 5.85% | 2.60% | 0.30% | 0.30% |
| 51 | 4.45% | 0.30% | 51 | 5.95% | 2.60% | 0.30% | 0.30% |
| 52 | 4.55% | 0.30% | 52 | 6.05% | 2.60% | 0.30% | 0.30% |
| 53 | 4.65% | 0.30% | 53 | 6.15% | 2.60% | 0.30% | 0.30% |
| 54 | 4.75% | 0.30% | 54 | 6.25% | 2.60% | 0.30% | 0.30% |
| 55 | 4.85% | 0.35% | 55 | 6.35% | 2.60% | 0.35% | 0.35% |
| 56 | 4.95% | 0.35% | 56 | 6.45% | 2.70% | 0.35% | 0.35% |
| 57 | 5.05% | 0.35% | 57 | 6.55% | 2.80% | 0.35% | 0.35% |
| 58 | 5.15% | 0.35% | 58 | 6.65% | 2.90% | 0.35% | 0.35% |
| 59 | 5.25% | 0.35% | 59 | 6.75% | 3.00% | 0.35% | 0.35% |
| 60 | 5.35% | 0.35% | 60 | 6.85% | 3.10% | 0.35% | 0.35% |
| 61 | 5.45% | 0.35% | 61 | 6.95% | 3.20% | 0.35% | 0.35% |
| 62 | 5.55% | 0.35% | 62 | 7.05% | 3.30% | 0.35% | 0.35% |
| 63 | 5.65% | 0.35% | 63 | 7.15% | 3.40% | 0.35% | 0.35% |
| 64 | 5.75% | 0.35% | 64 | 7.25% | 3.50% | 0.35% | 0.35% |
| 65 | 5.85% | 0.40% | 65 | 7.35% | 3.60% | 0.40% | 0.40% |
| 66 | 5.95% | 0.40% | 66 | 7.45% | 3.70% | 0.40% | 0.40% |
| 67 | 6.05% | 0.40% | 67 | 7.55% | 3.80% | 0.40% | 0.40% |
| 68 | 6.15% | 0.40% | 68 | 7.65% | 3.90% | 0.40% | 0.40% |
| 69 | 6.25% | 0.40% | 69 | 7.75% | 4.00% | 0.40% | 0.40% |
| 70 | 6.35% | 0.45% | 70 | 7.85% | 4.10% | 0.45% | 0.45% |
| 71 | 6.45% | 0.45% | 71 | 7.85% | 4.10% | 0.45% | 0.45% |
| 72 | 6.55% | 0.45% | 72 | 7.85% | 4.10% | 0.45% | 0.45% |

---

------

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| 73 | 6.65% | 0.45% | 73 | 7.85% | 4.10% | 0.45% |
| 74 | 6.75% | 0.45% | 74 | 7.85% | 4.10% | 0.45% |
| 75+ | 6.85% | 0.50% | 75+ | 7.85% | 4.10% | 0.50% |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Joint Payout Rates** | **Joint Payout Rates** | **Joint Payout Rates** | **Joint Payout Rates** | **Joint Payout Rates** | **Joint Payout Rates** | **Joint Payout Rates** | **Joint Payout Rates** |
| **Level** | **Level** | **Level** | **Tiered** | **Tiered** | **Tiered** | **Tiered** | **Tiered** |
| Age | Beginning Income Rate | Deferral Credits | Age | High Rate | Low Rate | High Deferral Credits | Low Deferral Credits |
| 45 | 3.35% | 0.30% | 45 | 4.85% | 2.10% | 0.30% | 0.30% |
| 46 | 3.45% | 0.30% | 46 | 4.95% | 2.10% | 0.30% | 0.30% |
| 47 | 3.55% | 0.30% | 47 | 5.05% | 2.10% | 0.30% | 0.30% |
| 48 | 3.65% | 0.30% | 48 | 5.15% | 2.10% | 0.30% | 0.30% |
| 49 | 3.75% | 0.30% | 49 | 5.25% | 2.10% | 0.30% | 0.30% |
| 50 | 3.85% | 0.30% | 50 | 5.35% | 2.10% | 0.30% | 0.30% |
| 51 | 3.95% | 0.30% | 51 | 5.45% | 2.10% | 0.30% | 0.30% |
| 52 | 4.05% | 0.30% | 52 | 5.55% | 2.10% | 0.30% | 0.30% |
| 53 | 4.15% | 0.30% | 53 | 5.65% | 2.10% | 0.30% | 0.30% |
| 54 | 4.25% | 0.30% | 54 | 5.75% | 2.10% | 0.30% | 0.30% |
| 55 | 4.35% | 0.35% | 55 | 5.85% | 2.10% | 0.35% | 0.35% |
| 56 | 4.45% | 0.35% | 56 | 5.95% | 2.20% | 0.35% | 0.35% |
| 57 | 4.55% | 0.35% | 57 | 6.05% | 2.30% | 0.35% | 0.35% |
| 58 | 4.65% | 0.35% | 58 | 6.15% | 2.40% | 0.35% | 0.35% |
| 59 | 4.75% | 0.35% | 59 | 6.25% | 2.50% | 0.35% | 0.35% |
| 60 | 4.85% | 0.35% | 60 | 6.35% | 2.60% | 0.35% | 0.35% |
| 61 | 4.95% | 0.35% | 61 | 6.45% | 2.70% | 0.35% | 0.35% |
| 62 | 5.05% | 0.35% | 62 | 6.55% | 2.80% | 0.35% | 0.35% |
| 63 | 5.15% | 0.35% | 63 | 6.65% | 2.90% | 0.35% | 0.35% |
| 64 | 5.25% | 0.35% | 64 | 6.75% | 3.00% | 0.35% | 0.35% |
| 65 | 5.35% | 0.40% | 65 | 6.85% | 3.10% | 0.40% | 0.40% |
| 66 | 5.45% | 0.40% | 66 | 6.95% | 3.20% | 0.40% | 0.40% |
| 67 | 5.55% | 0.40% | 67 | 7.05% | 3.30% | 0.40% | 0.40% |
| 68 | 5.65% | 0.40% | 68 | 7.15% | 3.40% | 0.40% | 0.40% |
| 69 | 5.75% | 0.40% | 69 | 7.25% | 3.50% | 0.40% | 0.40% |
| 70 | 5.85% | 0.45% | 70 | 7.35% | 3.60% | 0.45% | 0.45% |
| 71 | 5.95% | 0.45% | 71 | 7.35% | 3.60% | 0.45% | 0.45% |
| 72 | 6.05% | 0.45% | 72 | 7.35% | 3.60% | 0.45% | 0.45% |
| 73 | 6.15% | 0.45% | 73 | 7.35% | 3.60% | 0.45% | 0.45% |
| 74 | 6.25% | 0.45% | 74 | 7.35% | 3.60% | 0.45% | 0.45% |
| 75+ | 6.35% | 0.50% | 75+ | 7.35% | 3.60% | 0.50% | 0.50% |

---

------

**Determining Secure Income Percentages**

The Secure Income Percentages for your Contract will be determined as described in this paragraph so long as you satisfy the guidelines on submitting your application that are described in the prospectus. The Secure Income Percentages in effect on the date you sign the application will apply to your Contract except in the following situation:

If the Initial Secure Income Percentage or Secure Income Deferral Credit percentage in effect on the date we receive your Premium Payment has increased from that in effect on the date you signed your application, you will receive the Initial Secure Income Percentage, and Secure Income Deferral Credit percentage in effect on the date we receive your Premium Payment, provided that <u>neither</u> the Initial Secure Income Percentage <u>nor</u> Secure Income Deferral Credit percentage has decreased during that time.

The Secure Income Percentages applicable to your Contract will not change for the life of your Contract.

For more information regarding the Initial Secure Income Percentages and Secure Income Deferral Credit, see the prospectus.

This Supplement should be read and retained with the prospectus for Principal<sup>®</sup> Strategic Income. If you would like another copy of the prospectus or a prior Rate Sheet Supplement, write us at Principal Financial Group, P.O. Box 9382, Des Moines, Iowa 50306-9382 or call us at 1-800-852-4450 to request a free copy. Rate Sheet Supplements are also available at www.principal.com/individuals/invest-retire/annuities, as well as on the Securities and Exchange Commission's EDGAR system at www.sec.gov (EDGAR Contract ID No. C000248009). Certain terms used in this Supplement have special meanings. If a term is not defined in this Supplement, it has the meaning given to it in the prospectus.

**THIS SUPPLEMENT SHOULD BE READ AND**

**RETAINED FOR FUTURE REFERENCE**

**Principal Financial Group**

**P.O. Box 9382**

**Des Moines, Iowa 50306-9382**

**1-800-852-4450**

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