Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392 GP62509-21 1156118 - 10001 Page 4 of 5 02/2026 How do I find a network dentist? When you receive services from a dentist in our network, your cost may be lower. Network dentists agree to lower their fees for dental services and not charge you the difference. You’ll have access to the Principal Plan Dental network, with more than 117,000 dentists nationwide. Visit principal.com/dentist to find a dentist or call 800-247-4695. What if my dentist isn't in the network? You can refer your dentist to our network. Please submit the dentist’s name and information by calling 800-247-4695, or submitting a form at principal.com/refer-dental-provider . What are the limitations and exclusions of my coverage? · Frequency limitations for services are calculated to the month and exact date from the last date of service or placement date. There are additional limitations to your coverage. Please review your booklet for more information. We strongly recommend submitting a predetermination to determine benefits. What are the restrictions of my coverage? Orthodontia If there is orthodontia (ortho) treatment in progress on the coverage effective date and you are covered under any prior group coverage for ortho, there will be immediate coverage for treatment if proof is submitted that shows: 1) The lifetime maximum under any prior group coverage has not been exceeded, 2) Ortho treatment was started and bands or appliances were inserted while insured under any prior group coverage, and 3) Ortho treatment has been continued while insured under this policy. Principal Life will credit payments made by the prior carrier toward the Principal Life lifetime ortho payment limit. You will not be covered if ortho treatment is in progress prior to the effective date with Principal Life and you are not covered under any prior group coverage for ortho. There are additional limitations to your coverage. A complete list is included in your booklet. U 1 P 1 Yes U 1 P 2 No U 2 P 1 Yes U 2 P 2 No U 3 P 1 Yes U 3 P 2 No