The Principal Financial Group says it has lowered disability insurance rates and added new DI riders.

The changes will give consumers more options for assuring their families continue to have an income if they become disabled, according to Principal, Des Moines, Iowa.

The new policy riders include an option that grants benefits if insureds become disabled from their occupation and choose to work in another line of work. Two other riders let the insured increase coverage with only financial underwriting as income increases.

The company says it is also offering lower new issue and adjustment rates for select ages, occupations and geographical regions based on its experience in these areas.

For group plans, the company also is making individual DI policies available to a greater range of individuals, including those ages 65 to 70.