Principal Financial Customer Service

Phone Number & Contact Info

Principal Financial's Best Phone Number

800-986-3343
Toll-free·Calls Customer Service·Most popular Principal Financial number
Q:

How do I talk to a live human at Principal Financial?

A:Press 0, next enter SSN, then a rep comes after a few moments.
Q:

Does Principal Financial offer 24 hour customer service?

A:Not at this number; hours here are Mon-Fri 7am-7pm CST. The least busy day is Wednesday, and the most busy day is Tuesday.
Q:

How long will I wait on hold?

A:The average hold time is 26 minutes. The longest hold times are on Tuesday, and the shortest are on Friday. How is this calculated?

Principal Financial Customer Phone Numbers

Retirement Plan Customer Service

800-547-7754
Toll-free · Mon-Fri 7am-9pm CST · Wait on the line for assistance. · Enter the 5 digits of your Social Security number to help locate your account.

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Principal Financial phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 0, next enter SSN, then a rep comes after a few moments.
Here is how our research team describes the way the Principal Financial phone system greets you: Enter the 9 digits of your full Social Security number to help locate your account.
Below are some clips we've found from Principal Financial's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to enter information with the dial pad

"Thank you for calling prince just a moment, please. Enter the full nine digits of your Social Security number"
Excerpt from a call with Principal Financial
Thursday, May 16, 2024 11:44 PM

The first phone menu

"Thank you for calling prince just a moment, please. Enter the full nine digits of your Social Security number to help locate your account. If you do not want to enter your number, stay on the line for assistance. Enter the full nine digits of your Social Security number to help locate your account. If you do not want to enter your number, stay on the line for assistance.
For questions on your retirement, insurance, or investments, say account or press one.
For website and mobile app, say website or press two.
All other requests, say other or press four."
Excerpt from a call with Principal Financial
Thursday, May 16, 2024 11:44 PM

What are the hours and when should I call?

Principal Financial operates the call center for this 800-986-3343 phone number Mon-Fri 7am-7pm CT. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 80 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Principal Financial phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Principal Financial staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Principal Financial is Wednesday. The most busy day to call is Tuesday, which averages 122% more phone calls by comparison. Again, this is based on a sample of 80 calls made with our AI-powered, web-based phone in the last 90 days.
Mon
Tue
Busiest
Wed
Quietest
Thu
Fri

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Tuesday.

The best time to call Principal Financial

In summation, the best day to call Principal Financial is Wednesday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Principal Financial staffs the call center well on Wednesday.

Why Customers Call Principal Financial

If you have time to do a bit of reading before you call Principal Financial, we recommend you read over some of our problem-specific articles.

Is there a mobile app for accessing Principal Financial services?

Yes, there is a mobile app available for accessing Principal Financial services. Our mobile app provides convenience and accessibility for our customers to manage their financial needs on the go. With the app, you can view and track your account balances, make payments, access important documents, and even receive personalized financial insights and recommendations. The app is user-friendly and designed to provide a seamless and secure experience. Whether you need to check your retirement account, manage insurance policies, or explore investment options, our mobile app is a convenient tool to simplify your financial journey. Stay connected and in control of your finances with the Principal Financial mobile app.

Are there any fees associated with Principal Financial accounts?

No, Principal Financial does not charge any fees for their accounts. They understand that fees can eat into the returns earned by their customers, which is why they aim to provide transparent and cost-effective solutions. By waiving account fees, Principal Financial ensures that their clients can maximize their savings and investments without any unnecessary costs. Whether it is retirement accounts, insurance policies, or investment portfolios, Principal Financial believes in offering products and services that are accessible and affordable. With their fee-free structure, customers can have peace of mind knowing that their money is working for them and not being diminished by additional charges. Principal Financial's commitment to eliminating fees demonstrates their dedication to helping individuals and businesses achieve their financial goals efficiently and effectively.

What is Principal Financial's withdrawal policy for retirement accounts?

Principal Financial's withdrawal policy for retirement accounts allows account holders to make withdrawals from their retirement savings. Different retirement plans have different rules and restrictions regarding withdrawals. In general, individuals can start making penalty-free withdrawals once they reach the age of 59 ½. However, if withdrawals are made before this age, they may be subject to taxes and a 10% early withdrawal penalty. Principal Financial offers various retirement account options, including 401(k) plans and individual retirement accounts (IRAs), each with its own specific withdrawal guidelines. It is essential for account holders to review the terms and conditions of their specific retirement plan to understand the withdrawal policies and potential implications.

Top Principal Financial customer service problems

Click the link above to get answers to just about any Principal Financial customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Principal Financial, and their purpose. Are any of these similar to the reason you are trying to call?
Login troubleshooting: "It's not accepting my tax word to my four zero one account."
- From a call lasting 27m 23s , Feb 28, 2024 9:05 PM
Retirement options inquiry: "I wanna know if I can retire some of my money."
- From a call lasting 6m 2s , Feb 8, 2024 6:37 PM
Account assistance: "Oh, my account."
- From a call lasting 5m 35s , Jan 9, 2024 7:20 PM

More Principal Financial Customer Service Contacts

There are of course other ways to contact Principal Financial customer service besides the phone. Below we list the best ones, by medium.

Principal Financial Customer Help Desk / Web Support

principal.com - Customer Service
Use this link to find customer service help through their website
As a last, sometimes only, resort- Principal Financial customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Principal Financial's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Principal Financial agent. This phone number is Principal Financial's best phone number because 3,534 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-986-3343 include Get insurance, Make/Chase a claim, Coverage question, Overcharge/Strange charge, Renew coverage and other customer service issues. Rather than trying to call Principal Financial first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Principal Financial has 2 phone numbers. It's not always clear what is the best way to talk to Principal Financial representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Principal Financial. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Principal Financial. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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