is totally committed to protecting and safeguarding your privacy. We pledge to treat your personally identifiable information with the utmost care. The following summarizes our Privacy Policy with respect to personally identifiable information collected through this Website about individuals who use or visit this Website. Information on this website or Privacy Policy may be changed or updated without notice.

If you choose to use a tool where you must input personally identifiable contact information, you may be asked to submit: Name, Email, Phone, Company Name, Address, City, State, Zip Code. This is in addition to the information already collected about you listed in the previous paragraph. Also, your usage of the site may be logged by our Internet tracking system.  In no event will personal information be released to a third party for marketing purposes.

This website may contain links to other websites that are not under the control of A link to another website does not mean that endorses or accepts any responsibility for the content, accuracy or use of that site. For your protection, we urge you not to share personal information you input on this site with others. You should also know that e-mail is not necessarily secure against interception.

Posted by Dennis Myhre

Beginning in 1968, Dennis Myhre has enjoyed a successful career in investigative research, including involvement in several specialty assignments such as the investigation of transport related damages to new production motor vehicles originating from Detroit. His team related research formed the foundation of car hauler designs still in use today by the rail transport industry. Other successful investigations include identifying two major recreational vehicle manufacturer's safety violations and the short selling of investment products by a Registered Investment Adviser. Dennis' early career as a claims investigator included specialized training and active employment in pre-trial investigations on behalf of defense firms, accident reconstruction, and major loss settlements. In 1991, he and his wife Audrey contracted with a major catastrophe services organization, and for the next 20 years, worked as adjusters and supervised adjusters, resolving thousands of claims involving virtually every major national disaster, beginning with Hurricane Andrew. Beginning in the early 1990's, their employer offered a 401(k) Plan with Principal Life Insurance Company, and for the next 16 years, Dennis and Audrey contributed the maximum allowable into the Plan. In early 2008, they transferred their entire retirement savings into the Principal U.S. Property Separate Account, a fixed income account offered by Principal. On September 26, 2008, a withdrawal restriction was announced, and withdrawals were restricted for the next three years. Both Dennis and Audrey were 65 years of age, and they were convinced the plan definition of retirement would permit them to withdraw their funds and continue to work. After several months of discussion with Principal, the Myhre's were notified that Principal had "redefined" the definition of retirement to include separation of service. Reluctantly, Dennis and Audrey were both forced to resign their positions with their employer to recover their remaining account balances. Between September 26, 2008 and December 31, 2009, the net asset value of U.S. Property Separate Account plummeted by almost 50%. Through exhaustive research, Myhre has since uncovered self dealing and fraud involving Principal's activities during the account withdrawal restriction, and his research was brought to the attention of both the Department of Labor and Principal's Chief of Compliance, with no action taken by either party. Because of the lack of enforcement of ERISA regulations by the Department of Labor, this website is intended to educate investors of the pitfalls of investing in separate accounts offered by insurance companies.