# EDGAR Filing Document

**Accession Number:** 0000009712
**File Stem:** 0000009712-25-000084
**Filing Date:** 2025-6
**Character Count:** 7589
**Document Hash:** 6d6a29e17421feb052259d861f77f9ef
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000009712-25-000084.hdr.sgml**: 20250630

**ACCESSION NUMBER**: 0000009712-25-000084

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20250630

**DATE AS OF CHANGE**: 20250630

**EFFECTIVENESS DATE**: 20250630

**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:** 333-282081
- **FILM NUMBER:** 251092160

**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)

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|  |  |
|:---|:---|
| Class Name                   | Class ID   |
| Principal Strategic Outcomes | C000256688 |

---

## Series and Classes Contracts Data

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

| Class ID   | Class Name                   | Ticker Symbol   |
|:---|:---|:---|
| C000256688 | Principal Strategic Outcomes |  |

**Principal Life Insurance Company**

**Supplement dated June 30, 2025**

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

**Principal**<sup>®</sup> **Strategic Outcomes**

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

**Changes to State Variations**

The purpose of this supplement is to remove previously-disclosed restrictions on the availability of certain Index-Linked Segment Options for Contracts issued in Alaska, Delaware, Maryland, Minnesota, New Jersey, or Vermont. Effective July 1, 2025, for new and existing Contracts issued in those states, the following Index-Linked Segment Options will be available: (i) Index-Linked Segment Options linked to the Nasdaq-100 Price Return Index<sup>®</sup>, (ii) Index-Linked Segment Options with a 0% Buffer (except for Contracts issued in Maryland), and (iii) the Index-Linked Segment Option linked to the Russell 2000<sup>®</sup> Price Return Index with a 20% Buffer.

In connection with these changes, effective July 1, 2025, the following replaces the table in APPENDIX C - STATE VARIATIONS:

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| | | |
|:---|:---|:---|
| **State** | **Benefit** | **Variation** |
| Arizona | Free Look | For a non-replacement, if the Owner is age 65 or older at the date of application, the right to cancel period is 30 days. |
| California | Free Look | For a non-replacement, if the Owner is age 60 or older at the date of application, the right to cancel period is 30 days. |
|  |  | If the Owner is age 60 or older at the date of application, the refunded amount will be the greater of the Accumulated Value plus Fees and Charges or the Premium Payment, whichever is higher. |
| Connecticut | Free Look | For a replacement of an existing contract, your right to cancel period is 15 days. |
| District of Columbia | Free Look | For a replacement of an existing contract, your right to cancel period is 15 days. |
|  | Index Linked Segment Options | Index-Linked Segment Options linked to the Nasdaq-100 Price Return Index® are not available.<br>0% Buffer options are not available. <br>20% Buffer on the Russell 2000® Price Return - Index is not available. |
| Delaware | Free Look | For a replacement of an existing contract, your right to cancel period is 20 days. |

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| | | |
|:---|:---|:---|
| Florida | Free Look | Your right to cancel period is 21 days. |
| Georgia | Free Look | For a replacement of an existing contract, your right to cancel period is 15 days. |
| Idaho | Free Look | Your right to cancel period is 20 days. |
|  | Surrender | Surrender payments will be delayed no longer than six months from the date we receive your notice. |
| Illinois | Free Look | For a replacement of an existing contract, your right to cancel period is 20 days. |
| Indiana | Free Look | For a replacement of an existing contract, your right to cancel period is 20 days. |
| Kansas | Free Look | For a replacement of an existing contract, your right to cancel period is 20 days. |
| Kentucky | Free Look | For a non-replacement, your right to cancel period is 20 days. |
| Maryland | Index Linked Segment Options | 0% Buffer options are not available.  |
| Massachusetts | Free Look | Your right to cancel period is 20 days. |
| Michigan | Free Look | For a replacement of an existing contract, your right to cancel period is 15 days. |
| Minnesota | Free Look | Notice of cancellation and return of the contract are effective on the date received by us or our agent. |
|  |  | Will refund Premium Payment or Accumulated Value within 10 days of receiving cancellation notice. |
|  | Death Benefit | We will pay death benefit within two months. |
| Montana | Index Linked Segment Options | Index-Linked Segment Options linked to the Nasdaq-100 Price Return Index® are not available.<br>0% Buffer options are not available. <br>20% Buffer on the Russell 2000® Price Return - Index is not available. |
| New Jersey | Index-Linked Segment Options | Index-Linked Segment Options linked to the SG Smart Climate Index are not available. |

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| | | |
|:---|:---|:---|
| North Dakota | Free Look | Your right to cancel period is 20 days. |
| Oklahoma | Free Look | For a replacement of an existing contract, your right to cancel period is 20 days. |
| Pennsylvania | Free Look | For a replacement of an existing contract that was not issued to you by Principal Life Insurance Company, your right to cancel period is 20 days |
|  |  | For a replacement of an existing contract that was issued to you by Principal Life Insurance Company, your right to cancel period is 45 days. |
| Rhode Island | Free Look | For a non-replacement, your right to cancel period is 20 days. |
|  | Index Linked Segment Options | Index-Linked Segment Options linked to the Nasdaq-100 Price Return Index® are not available.<br>0% Buffer options are not available. <br>20% Buffer on the Russell 2000® Price Return - Index is not available. |
| Tennessee | Free Look | For a replacement of an existing contract, your right to cancel period is 20 days. |
| Texas | Free Look | For a non-replacement, your right to cancel period is 20 days. |
|  | Separate Account | The description of the Separate Account is modified for contracts issued in Texas. The Separate Account is a segregated account, established by Principal, in which we hold reserves for the Index-Linked Segment Option under the contract. The portion of the assets of the Separate Account equal to the reserves and other liabilities arising out of any other business we may conduct. |
| Virginia | Free Look | For a replacement of an existing contract, your right to cancel period is 15 days. |
| Washington | Free Look | For a replacement of an existing contract, your right to cancel period is 20 days. An additional 10% penalty shall be added to any refund due which is not paid within 30 days of return of the policy. |

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