Yes! You can use AI to fill out Form DD 688-25, Pre-Authorized Monthly Premium Withdrawals
Form DD 688-25, Pre-Authorized Monthly Premium Withdrawals, is an authorization agreement used by policyholders of Principal Financial Group to set up automatic payments for their life or disability insurance premiums. By completing this form, you permit Principal to debit a specified bank account monthly, ensuring your policy premiums are paid on time without manual intervention. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form specifications
| Form name: | Form DD 688-25, Pre-Authorized Monthly Premium Withdrawals |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out DD 688-25 Online for Free in 2026
Are you looking to fill out a DD 688-25 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your DD 688-25 form in just 37 seconds or less.
Follow these steps to fill out your DD 688-25 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Pre-Authorized Monthly Premium Withdrawals form.
- 2 Use the AI assistant to automatically populate your personal details, such as your name and contact information.
- 3 Enter the policy numbers, monthly premium amounts, and the name of the insured or policyowner for each policy you wish to enroll.
- 4 Provide your financial institution's information, including the name, phone number, transit/routing number, and your account number.
- 5 Specify the account type (checking or savings) from which the premiums will be withdrawn.
- 6 Review all entered information for accuracy, then provide your digital signature and the date to authorize the agreement.
- 7 Securely download the completed form to mail or fax as per the form's instructions.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form DD 688-25
This form authorizes Principal Financial Group to automatically withdraw your monthly life or disability insurance premiums directly from your bank account. This ensures your payments are made on time without you having to mail a check each month.
Any policyowner who wants to set up recurring, automatic monthly payments for their Principal life or disability insurance policies from a checking or savings account should complete this form.
You must attach an unsigned, voided check from the bank account you wish to use for the withdrawals. This helps ensure your account and routing numbers are entered correctly for quick and accurate processing.
You can mail the completed form and your voided check to the P.O. Box listed on the form, or you can fax it. Be sure to use the correct fax number for either Life insurance (866-885-0390) or Disability Income insurance (866-825-4779).
Your transit/routing number and account number are printed at the bottom of your checks. The routing number is the nine-digit number on the far left, and your account number is typically the number to its right.
The withdrawal will be made on or around the day of the month that your earliest policy payment is due. It may take up to three days for the debit to appear in your bank account.
The form has space for three policies. If you have more, you should contact Principal's customer service at 800-247-9988 to determine the best way to set up payments for all your policies.
No, once your premiums are paid under this automatic withdrawal plan, you will no longer receive monthly premium notices by mail. Transaction confirmations will be sent as required by law and regulation.
Yes, as the policyowner, you have the authority to change the withdrawal amount. You can also cancel the authorization by providing notification at least 10 working days before the next scheduled transaction.
Yes, if the account is jointly owned, both the primary account holder and the joint account holder must sign and date the authorization form in the designated spaces.
If a withdrawal is dishonored, you will be responsible for making the premium payment through other means to keep your policy active. Your financial institution may also charge you a fee for the dishonored transaction.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your information, which can save you time and help prevent errors. This is especially useful for repetitive information like your name, address, and policy numbers.
Simply upload the PDF to the Instafill.ai platform. The AI will identify the form fields, allowing you to click to fill them with your saved information or type directly into the interactive fields before printing for signature.
If you have a flat, non-fillable PDF, you can upload it to a service like Instafill.ai. It will automatically convert the document into an interactive, fillable form that you can complete on your computer.
Compliance DD 688-25
Validation Checks by Instafill.ai
1
Ensures Primary Policy Information is Complete
Validates that the first policy number (PolicyNumber1), the corresponding monthly amount (MonthlyAmt1), and the insured's name (InsuredName1) are all provided. This is crucial as the form's purpose is to authorize payments for at least one policy. Failure to provide this complete set of information would make the authorization ambiguous and prevent processing.
2
Validates ABA Routing Number
Checks that the Transit and Routing No. field contains exactly 9 digits and conforms to the ABA routing number checksum formula. This validation is critical to ensure that the withdrawal request is sent to the correct financial institution. An invalid routing number will result in a failed transaction and a delay in premium payment.
3
Verifies Account Number Presence
Confirms that the Account No. field is not empty. The account number is essential for identifying the specific account from which to withdraw funds. Submitting the form without an account number makes the authorization useless and will require manual follow-up, delaying the setup of automatic payments.
4
Confirms Account Type Selection
Ensures that either 'Checking' or 'Savings' has been selected for the Account Type. This information is often required by the ACH network to process the debit correctly. If no account type is selected, the transaction may be rejected by the financial institution.
5
Validates Monthly Premium Amount Format
Verifies that any entered Monthly Amount fields contain a valid, positive numerical value representing a currency amount. This prevents processing errors from non-numeric, zero, or negative entries. An invalid amount would prevent the system from knowing how much to withdraw, leading to payment failure.
6
Requires Primary Account Holder Signature
Checks for the presence of a signature from the primary account holder. The signature is the legal authorization for the company to debit the bank account and is the most critical part of the agreement. A missing signature invalidates the entire form and prevents any withdrawals from being set up.
7
Validates Signature Date
Ensures the account holder's signature date is a valid date and is not set in the future. This date establishes when the authorization was granted. An invalid or future date can cause legal and processing complications, so the form will be rejected until a valid, current or past date is provided.
8
Requires Financial Institution Name
Validates that the 'Name of Financial Institution' field is not blank. This information helps in verifying the routing number and provides a point of contact if issues arise with the transaction. A missing institution name can slow down problem resolution and initial setup verification.
9
Validates Account Holder Phone Number Format
Checks that the Account Holder’s Phone No. is a valid 10-digit telephone number (including area code). This contact information is important for the company to reach the policyowner if there are questions or issues with the payment setup. An invalid number hinders communication and can delay the resolution of problems.
10
Verifies Voided Check Attachment
Confirms that a file has been attached to the submission, corresponding to the required 'Voided Check'. The voided check is used to verify the routing and account numbers, reducing the risk of data entry errors and failed transactions. If the attachment is missing, the form processing will be paused until the check is provided.
11
Enforces Conditional Joint Account Holder Authorization
If the 'Joint Account Holder’s Name' field is filled out, this check ensures that the 'Signature of Joint Account Holder' and its corresponding date are also completed. For joint accounts, many financial institutions require authorization from both parties to set up recurring debits. Missing a signature could lead to the transaction being disputed or rejected.
12
Ensures Logical Policy Entry
Validates that if information for Policy Number #2 or Policy Number #3 is provided, the preceding policy fields are also filled. For example, Policy Number #2 cannot be entered without Policy Number #1. This maintains data integrity and a logical structure, preventing sparse or incomplete records that are difficult to process.
13
Requires Primary Account Holder Name
Ensures the 'Account Holder’s Name' field is not empty. This name is used to verify ownership of the bank account being debited. A missing name makes it impossible to confirm the authorization is from the correct individual, and the request will be rejected.
Common Mistakes in Completing DD 688-25
The form instructions explicitly require attaching a voided check to ensure the accuracy of banking information. Applicants often forget this step, assuming the numbers they wrote are sufficient for processing. Without the voided check, the company cannot verify the account and routing numbers, which will lead to the rejection of the form and significant delays in setting up automatic payments.
Transposing digits in the long routing and account numbers is a very frequent and critical error. This often happens due to misreading a check or a simple manual data entry mistake. An incorrect number will cause the electronic withdrawal to fail, resulting in a missed premium payment, potential late fees, and the risk of the policy lapsing.
An unsigned or undated form is legally invalid and cannot be processed for authorization. Applicants sometimes overlook the signature lines, especially the one for a joint account holder. A missing signature will cause the authorization to be rejected immediately, delaying the setup of premium payments until a properly completed form is received.
The form requires a policy number, monthly amount, and insured name for each policy being enrolled. People may forget to enter the monthly premium amount, assuming the company already knows it, or may write an incomplete policy number. This missing information prevents the company from processing the request, as they cannot determine which policy to debit or for what amount.
The form requires the user to indicate whether the account is 'Checking' or 'Savings' by checking a box, a small detail that is easily missed. If the account type is not specified, the transaction may be processed against the wrong account type and fail. This leads to a returned payment and requires the applicant to resubmit the form correctly.
When using a joint bank account, many financial institutions require authorization from both account holders for pre-authorized debits. This form provides a separate signature line for a joint account holder, which is often missed if only one person is filling out the paperwork. Failure to obtain the second signature can lead to the bank rejecting the withdrawal request, causing a payment failure.
The signature line explicitly instructs the signer to include a title like 'Trustee' or a corporate title if the account is owned by an entity. This is a legal requirement to prove the signer has the authority to act on behalf of the trust or corporation. Omitting the title can lead to legal compliance issues and rejection of the form, delaying the payment setup until corrected.
Applicants sometimes use a deposit slip to find their account information, but this can be a critical error. The internal routing number printed on a deposit slip can differ from the electronic/ACH routing number required for withdrawals, which is found on a check. Using the wrong routing number will cause the transaction to fail, necessitating a new form submission with the correct information from a check.
Since this form may be printed and filled out by hand, poor handwriting can make critical information like policy numbers and bank account details impossible to read. This forces the processing agent to guess, which often leads to data entry errors and failed transactions, or to reject the form outright. To avoid this, it is best to use a tool like Instafill.ai that can convert a non-fillable PDF into a fillable version, eliminating handwriting issues.
The form is often filled out by the policyowner, but the bank account may belong to a different person or entity, such as a spouse or a family trust. If the names on the bank account do not match the policyowner on record, it can trigger a compliance review to verify the relationship and authorization. This can cause significant delays in processing the payment setup while the company seeks clarification.
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