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• Enter the taxpayer identification number (TIN) of the provider.
• Complete the required information.
• We will send you, the primary administrator, an email. (Don't see it in your inbox? Check your junk or spam folder.) You must click the email activation link within 72 hours of receiving it. Then, follow these steps:
  • Verify your identity by providing a few personal details.
  • Confirm that you agree to do business electronically.
  • Create your username and password.
  • Choose your security questions and answers. (These help verify your identity when you call customer service.)
  • Set up multi-factor authentication (MFA) for your account. MFA is a security step used to confirm your identity each time you log in. You may use an authenticator app such as Google Authenticator or a phone text or call. Follow the on-screen prompts to make your selection.
  • Type in the code that is sent to you and follow any directions on screen to complete log in.

Note: Every time you log in, or if you forget your password, you will be asked for a verification code to confirm it’s really you. The first time you log in, you choose how you receive verification codes. Options include a phone text or call, or authenticator app.

Multi-factor authentication, a security measure, helps prevent cybercriminals from accessing your account, even if they have your password. Here’s how it works: If you log in from an unrecognized computer or mobile phone, forget your password, or make changes to your account, or if we suspect something out of ordinary, we’ll send you a unique verification code to confirm it’s really you. You then enter that unique code, along with your username and password, to access your account.

An authenticator app is a third-party app you install on your mobile device or computer. All authenticator apps work like this: Once you open the app and choose the account you’re trying to log into, the app will generate a unique, one-time-use code to enable log in.

Authenticator apps are secure, with regularly refreshed codes unique to your device. Plus, if someone tries to gain access to your account, it’s more difficult for them to intercept your code since it’s generated by software installed on your device.

Our site has been optimized to work with the Google Authenticator app, but many other apps will work. If you wish to use Google Authenticator, here’s how to install it:

1. Open the App Store or Play Store and search for Google Authenticator (look for a multi-colored asterisk).
2. Install the Google Authenticator app.

If you wish to install another authenticator app, you may search for “install authenticator app” in your browser or in the app store you prefer.

Authenticator apps can be tied to your device, adding one more fraud deterrent. If you connect your Principal log in to an authenticator app, the codes are generated securely and only on your device. To connect your Principal log in to your authenticator, follow these steps:

1. Log in to your principal.com account; go to “My Profile” and then click on “Manage 2-Factor Authentication Preferences.” Click on the blue “Connect Authenticator” button next to Authenticator app. 
2. A QR code will appear on the screen; scan the code with your mobile phone or enter the 16 digit code.
3. Click the “Next” or “Continue” button on the Principal website.
4. Enter the authenticator 6-digit code (which changes every 30 seconds) on principal.com.
5. Once you have successfully entered the code, your app is ready to use for principal.com log in.