# EDGAR Filing Document

**Accession Number:** 0001359314
**File Stem:** 0001193125-26-188966
**Filing Date:** 2026-4
**Character Count:** 165888
**Document Hash:** 2f96a829e046cbea97cdb8714e845cc1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-188966.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001193125-26-188966

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Northwestern Mutual Variable Life Account II
- **CENTRAL INDEX KEY:** 0001359314

**ORGANIZATION NAME:**
- **EIN:** 390509570
- **STATE OF INCORPORATION:** WI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-230143
- **FILM NUMBER:** 26910534

**BUSINESS ADDRESS:**
- **STREET 1:** 720 EAST WISCONSIN AVENUE
- **CITY:** MILWAUKEE
- **STATE:** WI
- **ZIP:** 53202
- **BUSINESS PHONE:** 414-271-1444

**MAIL ADDRESS:**
- **STREET 1:** 720 EAST WISCONSIN AVENUE
- **CITY:** MILWAUKEE
- **STATE:** WI
- **ZIP:** 53202

## Series and Classes Contracts Data

### Northwestern Mutual Variable Life Account II (Series ID: S000013776)

| Class ID   | Class Name                   | Ticker Symbol   |
|:---|:---|:---|
| C000212050 | Variable Universal Life Plus |  |

**Variable Universal Life Plus**

Issued by The Northwestern Mutual Life Insurance Company ("[Northwestern Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640)") <br>through Northwestern Mutual Variable Life Account II (the "[Separate Account](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640)")

Summary Prospectus for New Investors <br>May 1, 2026

This [Summary Prospectus](#bookmark_summaryprospectus_6341323c-2f31-4415-926a-a9e05fd6f640) summarizes key features of your individual flexible premium variable universal life policy (the ["Policy"](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)). Before you invest, you should also review the statutory prospectus for the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) (the "[Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)"), which contains more information about the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)'s features, benefits, and risks. You can find this document and other information about the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), including the annual and semi-annual reports for your underlying portfolios, online at www.nmprospectus.com. You can also obtain this information at no cost by calling (866) 464-3800 or by sending an email request to vavldocrequest@northwesternmutual.com.

------

**You may cancel your** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) **within 10 days of receiving it without paying fees or penalties.** <br>In some states, this cancellation period may be longer. Depending on your state of issue, upon cancellation you will receive either the full amount of your premium payment(s) or the [Policy's](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)[Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640). You should review the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640), or consult with your [Financial Representative](#bookmark_financialrepresentative_6341323c-2f31-4415-926a-a9e05fd6f640), for additional information about the specific cancellation terms that apply.

------

Additional information about certain investment products, including variable life insurance policies, has been prepared by the Securities and Exchange Commission's staff and is available at www.Investor.gov.

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) **or passed upon the adequacy of this** [**Summary Prospectus**](#bookmark_summaryprospectus_6341323c-2f31-4415-926a-a9e05fd6f640)**. Any representation to the contrary is a criminal offense.**

Subject to the limitations discussed in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640), you may choose to invest your [Net Premiums](#bookmark_netpremiums_6341323c-2f31-4415-926a-a9e05fd6f640) in up to 30 [Divisions](#bookmark_divisions_6341323c-2f31-4415-926a-a9e05fd6f640) of [Separate Account](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640) as well as a fixed option under certain circumstances. Each [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) of the [Separate Account](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640) invests exclusively in shares of a single series of a [Fund](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) (i.e., an underlying portfolio or a "[Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640)").

**Not Available in the State of New York**

![](g173063nwmutual_logo.gif)

71-0049-14 (0526)

------

**Table of Contents**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
|  | **Page** |
| [Important Information You Should Consider About the Policy](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_1) | 1  |
| &nbsp;&nbsp;&nbsp; [Overview of the Policy](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_3) | 3  |
| [Standard Death Benefits](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_5) | 5  |
| [Other Benefits Available Under the Policy](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_5) | 5  |
| [Buying the Policy](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_8) | 8  |
| [How Your Policy Can Lapse](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_8) | 8  |
| [Making Withdrawals: Accessing Money in Your Policy](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_9) | 9  |
| [Fee and Expense Tables](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_9) | 9  |
| &nbsp;&nbsp;&nbsp; [Transaction Fees](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_9) | 9  |
| &nbsp;&nbsp;&nbsp; [Periodic Charges (Other than Portfolio Operating Expenses)](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_11)<sup>1</sup> | 11  |
| &nbsp;&nbsp;&nbsp; [Annual Portfolio Operating Expenses](#xx_e74b9a2e-a8dd-4fad-a2e7-5f8014d1b233_13) | 13  |
| [Glossary of Terms](#xx_db86c0c6-0c65-419b-bffd-13bdbcc1d4f5_1) | 14  |
| [Appendix A—Portfolios Available under Your Policy](#xx_66a6d86f-1123-485e-a6f4-2342578f2e88_1) | 18  |
| [Additional Information](#xx_f6643364-e3c6-4d40-91c2-67466907248e_1) | 23 |

---

------

Important Information You Should Consider About the Policy

An investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is subject to fees, risks, and other important considerations, some of which are briefly summarized in the following table. You should review the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640) for the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) for additional information about these topics.

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> [**Prospectus**](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| **Charges for Early** <br> **Withdrawals**<br>| &nbsp;&nbsp; If you surrender your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) (or if you change your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to [Paid-up](#bookmark_paidup_6341323c-2f31-4415-926a-a9e05fd6f640) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640).<br>For example, if you surrender your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and your total [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> amount was $100,000, you could pay a surrender charge of up to $50,000. <br>Withdrawals are subject to a $25 service charge (currently waived) for each <br> withdrawal request. | &nbsp;&nbsp; If you surrender your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) (or if you change your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to [Paid-up](#bookmark_paidup_6341323c-2f31-4415-926a-a9e05fd6f640) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640).<br>For example, if you surrender your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and your total [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> amount was $100,000, you could pay a surrender charge of up to $50,000. <br>Withdrawals are subject to a $25 service charge (currently waived) for each <br> withdrawal request. | &nbsp;&nbsp; If you surrender your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) (or if you change your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to [Paid-up](#bookmark_paidup_6341323c-2f31-4415-926a-a9e05fd6f640) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640).<br>For example, if you surrender your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and your total [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> amount was $100,000, you could pay a surrender charge of up to $50,000. <br>Withdrawals are subject to a $25 service charge (currently waived) for each <br> withdrawal request. | &nbsp;&nbsp; Fee and Expense <br> Tables – Transaction <br> Fees (Surrender <br> Charge and <br> Withdrawal Fee)<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Also see <br> Information About <br> the Policy – Other <br> Benefits Available <br> Under the Policy <br> (Paid-Up Insurance) <br>|
| **Transaction Charges** | &nbsp;&nbsp; In addition to surrender charges and withdrawal charges, you may also be <br> charged for other transactions, such as certain tax-related charges, a front-end <br> sales load, charges for transferring between investment options, requesting <br> more than one illustration in a [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640), changes to your [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br> option or [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640), as well as charges for expedited delivery or wire <br> transfers.<br>**Administrative Fee.** We assess a one-time administrative fee of up to $250 <br> when you exercise the Terminal Illness Benefit. | &nbsp;&nbsp; In addition to surrender charges and withdrawal charges, you may also be <br> charged for other transactions, such as certain tax-related charges, a front-end <br> sales load, charges for transferring between investment options, requesting <br> more than one illustration in a [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640), changes to your [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br> option or [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640), as well as charges for expedited delivery or wire <br> transfers.<br>**Administrative Fee.** We assess a one-time administrative fee of up to $250 <br> when you exercise the Terminal Illness Benefit. | &nbsp;&nbsp; In addition to surrender charges and withdrawal charges, you may also be <br> charged for other transactions, such as certain tax-related charges, a front-end <br> sales load, charges for transferring between investment options, requesting <br> more than one illustration in a [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640), changes to your [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br> option or [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640), as well as charges for expedited delivery or wire <br> transfers.<br>**Administrative Fee.** We assess a one-time administrative fee of up to $250 <br> when you exercise the Terminal Illness Benefit. | &nbsp;&nbsp; Fee and Expense <br> Tables – Transaction <br> Fees <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Fees and Expense <br> Tables – Periodic <br> Charges (Other than <br> Portfolio Operating <br> Expenses)<br>|
| **Ongoing Fees and** <br> **Expenses**<br> **(annual charges)** | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is subject to ongoing <br> fees and expenses, including fees covering the cost of insurance and optional <br> benefits available under the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). These fees are based on information as of <br> December 31, 2025, may change from year to year, and are generally based on <br> characteristics of the insured (e.g., age, sex and rating classification). You <br> should review your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) available under your <br> [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), the range for which is shown in the following table: | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is subject to ongoing <br> fees and expenses, including fees covering the cost of insurance and optional <br> benefits available under the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). These fees are based on information as of <br> December 31, 2025, may change from year to year, and are generally based on <br> characteristics of the insured (e.g., age, sex and rating classification). You <br> should review your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) available under your <br> [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), the range for which is shown in the following table: | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is subject to ongoing <br> fees and expenses, including fees covering the cost of insurance and optional <br> benefits available under the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). These fees are based on information as of <br> December 31, 2025, may change from year to year, and are generally based on <br> characteristics of the insured (e.g., age, sex and rating classification). You <br> should review your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) available under your <br> [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), the range for which is shown in the following table: | &nbsp;&nbsp; Fee and Expense <br> Tables – Periodic <br> Charges (Other than <br> Portfolio Operating <br> Expenses) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Fee and Expense <br> Tables – Annual <br> Portfolio Operating <br> Expenses |
| **Ongoing Fees and** <br> **Expenses**<br> **(annual charges)** | **Annual Fee** | **Minimum\*** | **Maximum\*** | &nbsp;&nbsp; Fee and Expense <br> Tables – Periodic <br> Charges (Other than <br> Portfolio Operating <br> Expenses) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Fee and Expense <br> Tables – Annual <br> Portfolio Operating <br> Expenses |
| **Ongoing Fees and** <br> **Expenses**<br> **(annual charges)** | &nbsp;&nbsp; Investment Options<br> ([Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) company<br> fees and expenses)<br>| 0.14% | 2.50% | &nbsp;&nbsp; Fee and Expense <br> Tables – Periodic <br> Charges (Other than <br> Portfolio Operating <br> Expenses) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Fee and Expense <br> Tables – Annual <br> Portfolio Operating <br> Expenses |
| **Ongoing Fees and** <br> **Expenses**<br> **(annual charges)** | \* As a percentage of [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) assets. | \* As a percentage of [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) assets. | \* As a percentage of [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) assets. | &nbsp;&nbsp; Fee and Expense <br> Tables – Periodic <br> Charges (Other than <br> Portfolio Operating <br> Expenses) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Fee and Expense <br> Tables – Annual <br> Portfolio Operating <br> Expenses |
|  | **RISKS** | **RISKS** | **RISKS** |  |
| **Risk of Loss** | You can lose money by investing in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), including loss of principal. | You can lose money by investing in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), including loss of principal. | You can lose money by investing in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), including loss of principal. | &nbsp;&nbsp; Risks of the Policy – <br> Investment Risk and <br> The Funds<br>|
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is not a short-term investment and is not appropriate for you if you <br> need ready access to cash. Surrender charges apply in the first 10 [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> and the value of your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is not a short-term investment and is not appropriate for you if you <br> need ready access to cash. Surrender charges apply in the first 10 [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> and the value of your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is not a short-term investment and is not appropriate for you if you <br> need ready access to cash. Surrender charges apply in the first 10 [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> and the value of your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; Risks of the Policy <br> for Long-Term <br> Protection<br>|

---

**Variable Universal Life Plus Prospectus**

------

---

| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> **Prospectus**<br>|
| **Risks Associated** <br> **with Investment** <br> **Options**<br>| &nbsp;&nbsp; Investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is subject to the risk of poor investment performance <br> and can vary depending on the performance of the investment options <br> ([Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640)) available under the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). Each [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) (and any fixed account <br> investment option) will have its own unique risks and you should review these <br> investment options before making an investment decision. | &nbsp;&nbsp; Risks of the Policy – <br> Investment Risk<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Also see The Funds <br> and The Fixed <br> Option (NM <br> Strength and <br> Stability Account) <br> sections <br>|
| **Insurance Company** <br> **Risks**<br>| &nbsp;&nbsp; Investment in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is subject to the risks related to [Northwestern Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640), <br> and any obligations (including under any fixed account investment options), <br> guarantees, or benefits are subject to the claims-paying ability of [Northwestern](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640). More information about [Northwestern Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640), including its financial <br> strength ratings, is available upon request by calling toll free (866) 464-3800. | &nbsp;&nbsp; Risks of the Policy – <br> Investment Risk and <br> the Northwestern <br> Mutual section<br>|
| [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) **Lapse** | &nbsp;&nbsp; Insufficient premium payments, poor investment results, withdrawals, unpaid <br> loans, or loan interest may cause your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to lapse, meaning you will no <br> longer have any life insurance coverage and death benefits will not be paid. <br> After lapse, you may reinstate the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) subject to certain conditions described <br> in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640), including the payment of the minimum payment amount, <br> required to keep the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in force.  | &nbsp;&nbsp; Risks of the Policy – <br> Policy Lapse<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Information About <br> the Policy – <br> Termination and <br> Reinstatement <br>|
|  | **RESTRICTIONS** |  |
| **Investments** | &nbsp;&nbsp; Transfers or allocations to the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) and the <br> [Policy's](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) fixed option, the [NM Strength and Stability Account](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640) (the "[SAS](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Account](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640)"), are subject to certain restrictions. We do not permit transfers from <br> the [SAS Account](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640) to the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640). <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Transfers from the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) must be in amounts greater than or equal to 1% of <br> assets in the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640), may be subject to charges, and are subject to the <br> [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) 's short-term and excessive trading policies. These short-term and <br> excessive trading policies may trigger additional restrictions on your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). <br> Currently, there is no charge when you transfer [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640) among <br> [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) and to the [SAS Account](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640). However, we reserve the right to charge $25 <br> for each transfer. You may invest in up to 30 [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) at a time.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Under certain circumstances [Northwestern Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640) reserves the right to <br> remove a [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) or substitute another [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) or mutual fund for such <br> [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640).  | &nbsp;&nbsp; The Fixed Option <br> (NM Strength and <br> Stability Account)<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Information about <br> the Policy – Other <br> Policy Transactions <br> (Transfers and <br> Short-Term and <br> Excessive Trading) <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Information about <br> the Policy – Other <br> Policy Transactions <br> (Substitution of <br> Portfolio Shares and <br> Other Changes) <br>|
| **Optional Benefits** | &nbsp;&nbsp; Optional benefits are subject to additional charges and payments made under <br> these benefits are generally subject to the same transaction fees as other <br> premium payments but may be treated differently for other purposes (e.g., <br> certain death benefit minimums). Optional benefits are not available for all <br> ages (or may terminate at certain ages) and underwriting classifications. We <br> may stop offering an optional benefit at any time. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Withdrawals under the Policy may cause the Death Benefit Guarantee to <br> terminate if the monthly Death Benefit Guarantee Test is not met and no <br> additional premium is paid during the following 61-day grace period. | &nbsp;&nbsp; Information about <br> the Policy – Other <br> Benefits Available <br> Under the Policy<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Also see <br> Termination of <br> Death Benefit <br> Guarantee for <br> Failure to Meet the <br> Death Benefit <br> Guarantee Test<br>|

---

**Variable Universal Life Plus Prospectus**

------

---

| | | |
|:---|:---|:---|
|  | **TAXES** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> **Prospectus**<br>|
| **Tax Implications** | &nbsp;&nbsp; You should consult with a tax professional to determine the tax implications of <br> an investment in, and payments received under, the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). There is no <br> additional tax benefit if the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is purchased through a tax-qualified plan. | Tax Considerations |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is sold exclusively through financial representatives of [Northwestern](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Mutual's](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640) affiliated broker-dealer, who are compensated with a commission <br> based on a percentage of premium, and [Northwestern Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640) may share <br> revenue it earns on the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) with its affiliated broker-dealer. These financial <br> representatives may have a financial incentive to offer or recommend the <br> [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) over other investments. | &nbsp;&nbsp; Distribution of the <br> Policy<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Also see Charges <br> and Deductions – <br> Commissions Paid to <br> Financial <br> Representatives<br>|
| **Exchanges** | &nbsp;&nbsp; Some financial representatives may have a financial incentive to offer this <br> [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in place of one you already own. You should only exchange an existing <br> policy if you determine, after comparing the features, fees and risks of both <br> policies, and any fees or penalties to terminate the existing policy, that it is <br> preferable to purchase this [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) rather than continue to own the existing <br> policy. | None |

---

Overview of the Policy

**<u>What is the</u>** [**<u>Policy</u>**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**<u>, and what is it designed to do?</u>**

The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is an individual flexible premium variable universal life insurance policy, the purpose of which is primarily to provide life insurance protection (i.e., a death benefit) while providing the long-term growth in the Policy Value through allocations to a variety of [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) and/or a fixed account option. The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) may be appropriate if you have a long-term investment horizon and is not intended for short-term investment, and is therefore not appropriate for people who may need to make early or frequent withdrawals or who intend to engage in frequent trading. You may want to consult your financial or tax advisor.

In exchange for your [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640), upon the death of the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640), we will pay the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) to your beneficiary based on one of three death benefit options available under the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). Subject to certain limitations, you can change the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)option you selected. (See "[Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)– Changing [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) Options" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640) for more information.)

**<u>How are</u>** [**<u>Premium Payments</u>**](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) **<u>treated under the</u>** [**<u>Policy</u>**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**<u>?</u>**

As described in more detail in the "Information About the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)" section of the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640), when you apply for the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) you must make a minimum initial [Premium Payment](#bookmark_premiumpayment_6341323c-2f31-4415-926a-a9e05fd6f640) to put your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in force. No insurance will take effect until the minimum initial [Premium Payment](#bookmark_premiumpayment_6341323c-2f31-4415-926a-a9e05fd6f640) is made. The minimum initial [Premium Payment](#bookmark_premiumpayment_6341323c-2f31-4415-926a-a9e05fd6f640) is based on the [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640), underwriting classification and sex of the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640), the [Initial Specified Amount](#bookmark_initialspecifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640), any optional benefits and, if applicable, the [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640). For certain [Death Benefit Guarantee Periods](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640), a minimum [Premium Payment](#bookmark_premiumpayment_6341323c-2f31-4415-926a-a9e05fd6f640) is required to be paid in the first [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640).

After the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is issued, you must make sufficient [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) to keep the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in force. There is no required schedule or amount of [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) but the investment results of the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) and the [SAS Account](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640) to which your [Net Premium(s)](#bookmark_netpremiums_6341323c-2f31-4415-926a-a9e05fd6f640)is allocated will affect the [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) you are required to make to keep your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in force. If you elect the [Death](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640)[Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640), your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) will generally not lapse regardless of the investment performance of the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) in which you invest so long as you make the minimum requested payment upon notice that your cumulative premium payments are below the required amount.

When a [Premium Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) is received in [Good Order](#bookmark_goodorder_6341323c-2f31-4415-926a-a9e05fd6f640) at our [Home Office](#bookmark_homeoffice_6341323c-2f31-4415-926a-a9e05fd6f640) after the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is in-force, we deduct a premium tax charge, federal deferred acquisition cost charge and sales load to cover taxes and acquisition and distribution expenses, respectively, and the remaining amount, known as the [Net Premium(s)](#bookmark_netpremiums_6341323c-2f31-4415-926a-a9e05fd6f640), is allocated among the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) and the [SAS Account](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640), according to your current payment allocation instructions. Depending on the state in which we issue the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), we may hold your initial [Net Premium](#bookmark_netpremium_6341323c-2f31-4415-926a-a9e05fd6f640) in the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) until the later of the day after your right to return the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)expires and the day we receive notice of delivery of your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640).

**Variable Universal Life Plus Prospectus**

------

Investments in the [Policy's](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)[Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) are held in the [Separate Account](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640) which is an account separate from our [General Account](#bookmark_generalaccount_6341323c-2f31-4415-926a-a9e05fd6f640)assets. We have established a segment within the [Separate Account](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640) to receive and invest [Net Premium(s)](#bookmark_netpremiums_6341323c-2f31-4415-926a-a9e05fd6f640) for the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). Currently, the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) segment is divided into 59 [Separate Account](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640)[Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640). Each [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) purchases shares in a corresponding [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640). **Information about each corresponding** [**Portfolio**](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) **is provided at the back of this document. See APPENDIX A:** [**Portfolios**](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) **Available under Your** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**.**

[Net Premium](#bookmark_netpremiums_6341323c-2f31-4415-926a-a9e05fd6f640) applied and amounts transferred to the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) accrue interest daily at an effective annual rate [Northwestern](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640)[Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640) determines without regard to the investment experience of the [General Account](#bookmark_generalaccount_6341323c-2f31-4415-926a-a9e05fd6f640). The [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) is the sum of two separate balances, a Tier One balance and a Tier Two balance. The Tier One balance credits an annual guaranteed effective interest rate at least as high as the rate of the Tier Two balance. [Northwestern Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640) guarantees a minimum annual effective interest rate of 1.50% for the Tier One balance and 1.25% for the Tier Two balance. (See "The Fixed Option ([NM Strength and](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640)[Stability Account](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640))" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640).)

Payment of insufficient premiums may result in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) terminating or lapsing, subject to the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640)explained below (if applicable).

**Q. What are the primary features and options that the Variable Universal Life Plus** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) **offers?**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** 

**Choice of** [**Death Benefit**](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) **Options.** You may choose among three [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) options, a death benefit based on the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) (Option A), on the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) plus [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640) (Option B) or on the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) plus cumulative premiums paid (less any cumulative withdrawals)(Option C). In addition to the three [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)options, there is also a [Minimum Death Benefit](#bookmark_minimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) that may be applied. See the ["Death Benefit"](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) section in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)for more information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** 

**Surrenders and Withdrawals.** You may surrender your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), and we will pay you its [Cash Surrender Value](#bookmark_cashsurrendervalue_6341323c-2f31-4415-926a-a9e05fd6f640) ([Policy](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640)Value less any [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) and any surrender charge). You may also withdraw a part of the [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640). A withdrawal reduces the [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640), may reduce the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) of the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and therefore the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640), may impact the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640), and may increase the risk that the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) will terminate or lapse. Surrenders and withdrawals are subject to charges and may have adverse tax consequences.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** 

**Loans.** You may take a loan on the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) that when added to existing [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) does not exceed the [Loan Value](#bookmark_loanvalue_6341323c-2f31-4415-926a-a9e05fd6f640) of the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) secures the loan. Taking a loan will reduce [Cash Surrender Value](#bookmark_cashsurrendervalue_6341323c-2f31-4415-926a-a9e05fd6f640) and the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640), may impact the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640), may have adverse tax consequences and will increase the risk that your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)may terminate or lapse.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** 

**Transfers.** Generally, you may transfer [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640) among up to 30 [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) and the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640), subject to certain restrictions on transfers to the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) and the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640). We also offer four asset allocation models and two automated transfer programs: dollar cost averaging and [portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) rebalancing.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**E.** 

[**Death Benefit Guarantee**](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640)**.** During a defined period elected at issue, your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) will not terminate or lapse, even if the [Cash Surrender Value](#bookmark_cashsurrendervalue_6341323c-2f31-4415-926a-a9e05fd6f640) is not enough to pay [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640), as long as you have made specified minimum [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640). However, even if specified minimum [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) have been made, [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) loans and withdrawals could cause the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to terminate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**F.** 

**Collateral Assignment.** Subject to our approval, you may generally assign the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) as collateral for a loan or other obligation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**G.**

**Tax Treatment.** You are generally not taxed on the [Policy's](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) earnings until you surrender or withdraw [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640) from your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). This is known as tax deferral.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**H.** 

**Additional Benefits.** There are additional benefits you may add to your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). An additional charge may apply if you elect an additional benefit. The additional benefits available with this [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) are listed in the "Other Benefits Available under the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)" section of the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640), and include the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Waiver Benefit: Selected Monthly Premium** – Credits the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) the Selected Monthly Premium Benefit if the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has a Total Disability

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Additional Purchase Benefit** – Allows the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) to purchase additional life insurance policies on the life of the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) without proof of insurability

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● [**Death Benefit Guarantee**](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640)– Allows you to select a [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640) during which the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is guaranteed not to terminate due to insufficient value in your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Death Benefit Guarantee Premium Suspension** – Allows for the suspension of required premiums during the [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640) until your next [Policy Anniversary](#bookmark_policyanniversary_6341323c-2f31-4415-926a-a9e05fd6f640)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● [**Income Plans**](#bookmark_incomeplan_6341323c-2f31-4415-926a-a9e05fd6f640)– In lieu of a lump sum payment, the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) and surrender proceeds may be payable in monthly (or less frequent) payments over a period of time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Exchange for a Fixed Benefit** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)– Allows you to exchange your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) for a life insurance policy with benefits that do not vary with the investment experience of the underlying [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640)

**Variable Universal Life Plus Prospectus**

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● [**Paid-up**](#bookmark_paidup_6341323c-2f31-4415-926a-a9e05fd6f640) **Insurance** – Under certain conditions allows the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) to change the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to a policy free of minimum premium payment obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Dollar Cost Averaging** – On a monthly basis, automatically transfers a specific amount from the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) into the other [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) you have selected

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● [**Portfolio**](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) **Rebalancing** – Automatically rebalances the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) you select (either monthly, quarterly, semi-annually or annually) to maintain your chosen allocations among the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Allocation Models** – Models are available that comprise a combination of [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) representing various asset classes with various levels of risk tolerance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Terminal Illness Benefit** – If the insured is diagnosed with a terminal illness, the owner can accelerate the death benefit and will receive the requested death benefit less interest, administrative fees, loan adjustment, and any required minimum premium. This benefit will become available under the Policy on or about July 1, 2025. <br>

Standard Death Benefits

The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) offers three [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) options based on your "[Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)," which is an amount you select, subject to minimums (currently $100,000 for most ages) and underwriting requirements and the "[Minimum Death Benefit](#bookmark_minimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)," which is the amount required by federal tax law to maintain the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) as a life insurance contract. The three standard [Death Benefits](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) must choose on the [Application](#bookmark_application_6341323c-2f31-4415-926a-a9e05fd6f640) are: <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option A—the greater of the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) or the [Minimum Death Benefit](#bookmark_minimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option B—the greater of the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)**<u>plus</u>** [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640) or the [Minimum Death Benefit](#bookmark_minimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option C—the greater of the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)**<u>plus</u>** cumulative premiums **<u>minus</u>** cumulative withdrawals or the [Minimum Death Benefit](#bookmark_minimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640).

No matter which [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) you choose, insurance coverage becomes effective on the date we issue the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) (generally the date on which we accept your [Application](#bookmark_application_6341323c-2f31-4415-926a-a9e05fd6f640), determine you meet our underwriting and administrative requirements and receive any required initial premium). The [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) is usually payable within seven days after we receive satisfactory proof of the [Insured's](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) death and is calculated as of the date of the [Insured's](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) death. Amounts payable will include deductions for any [Policy](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640)[Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640), withdrawals made after the [Insured's](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) death or adjustments required if the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) dies during the [Policy Grace Period](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640). We increase the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640), if necessary, in order for the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to meet [Minimum Death Benefit](#bookmark_minimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) requirements.

You may decrease the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) while the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is in force, generally upon written request and subject to our approval. We will not permit a decrease if such decrease results in a [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) less than the minimum [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) we would require for issuance of a new [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) at the time of the change. You may not increase the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) after initial purchase. We reserve the right to charge for more than one change to the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) in a [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640). We will deduct any such charge from the [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640).

Amounts paid under the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) are payable in a lump sum or under one of the fixed [Income Plan](#bookmark_incomeplan_6341323c-2f31-4415-926a-a9e05fd6f640) options chosen by the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640). If an [Income Plan](#bookmark_incomeplan_6341323c-2f31-4415-926a-a9e05fd6f640) was not previously elected by the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) (while the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) was living or within 60 days after the death of the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) if the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) was not the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640)) and in lieu of a lump sum or other payment agreed to by [Northwestern](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640)[Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640), the beneficiary (or contingent beneficiary) may elect to receive his or her share by a fixed [Income Plan](#bookmark_incomeplan_6341323c-2f31-4415-926a-a9e05fd6f640) offered by the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640).

The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) also offers an optional [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640) under which you select a [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640) during which the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is guaranteed not to terminate provided certain conditions are met during a specified period. After a [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is issued, you may change the [Policy's](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)[Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) option or change the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640), generally upon written request, subject to our approval.

Other Benefits Available Under the Policy

In addition to the standard death benefits associated with your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), other standard and/or optional benefits may also be available to you. The following table(s) summarize information about those benefits. If applicable, information about the fees associated with each benefit included in the table may be found in the Fee and Expense Tables.

**Variable Universal Life Plus Prospectus**

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Is Benefit Standard or** <br> **Optional**<br>| &nbsp;&nbsp; **Brief Description of** <br> **Limitations/Restrictions**<br>|
| Waiver Benefit: Selected <br> Monthly Premium Benefit<br>| &nbsp;&nbsp; For an [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) who has become totally disabled the <br> company will credit minimum premium payments <br> equal to or greater than monthly charges without <br> the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) lapsing<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; ●Not available for all <br> ages or <br> underwriting <br> classifications<br> ●The insured must <br> become totally <br> disabled while this <br> benefit is in force, <br> the disability must <br> result from an <br> accident or <br> sickness, and the <br> disability must last <br> for at least six <br> months<br> ●There is a charge <br> for this benefit<br>|
| Additional Purchase Benefit | &nbsp;&nbsp; Allows the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) to purchase additional life <br> insurance policies on the life of the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) without <br> proof of insurability<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; ●Not available for all <br> ages or <br> underwriting <br> classifications<br> ●There is a charge <br> for this benefit<br>|
| Death Benefit Guarantee | &nbsp;&nbsp; Allows you to select a [Death Benefit Guarantee](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Period](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640) during which the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is guaranteed not to <br> terminate due to insufficient value in your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be elected at <br> issue<br> ●Monthly charges <br> will reduce the <br> value in your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)<br> during the <br> guarantee period, <br> which may <br> eventually result in <br> termination<br> ●There is a charge <br> for this benefit <br>|
| Death Benefit Guarantee <br> Premium Suspension <br>| &nbsp;&nbsp; Allows for the suspension of required premiums <br> during the [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640) until <br> your next [Policy Anniversary](#bookmark_policyanniversary_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; Standard (with [Death](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640))<br>| &nbsp;&nbsp;&nbsp;&nbsp; ●May expire earlier <br> than your next <br> [Policy Anniversary](#bookmark_policyanniversary_6341323c-2f31-4415-926a-a9e05fd6f640)<br> under certain <br> circumstances (i.e., <br> "retest events")<br>|
| Income Plans | &nbsp;&nbsp; In lieu of a lump sum, the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) and <br> surrender proceeds may be payable in a monthly <br> (or less frequent) payments over a period of time<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) or the <br> Direct or <br> Contingent <br> Beneficiary<br> ●Payments are <br> subject to fixed <br> rates and not <br> investment <br> performance of the <br> [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; Allows you to exchange your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) for a life <br> insurance policy with benefits that do not vary with <br> the investment experience of the underlying <br> [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Requires premium <br> payments be paid<br> ●There may be a <br> cost associated <br> with exchange<br> ●Exchange may have <br> tax consequences<br>|

---

**Variable Universal Life Plus Prospectus**

------

---

| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | &nbsp;&nbsp; **Is Benefit Standard or** <br> **Optional**<br>| &nbsp;&nbsp; **Brief Description of** <br> **Limitations/Restrictions**<br>|
| Paid-up Insurance | &nbsp;&nbsp; Under certain conditions allows the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) to <br> change the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to a policy free of minimum <br> premium payment obligations<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640)<br> ●Election is <br> irrevocable<br> ●[Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) and <br> charges continue<br> ●When in force as <br> [Paid-up](#bookmark_paidup_6341323c-2f31-4415-926a-a9e05fd6f640) insurance, <br> no additional <br> premium is allowed <br> on the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), your <br> [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br> option will be <br> irrevocably <br> changed and you <br> may not add <br> optional benefits to <br> the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| Dollar Cost Averaging  | &nbsp;&nbsp; On a monthly basis, automatically transfers a <br> specific amount from the Government Money <br> Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) into the other [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) you have <br> selected <br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640)<br> ●The [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) is <br> not included in <br> dollar cost <br> averaging<br>|
| Portfolio Rebalancing | &nbsp;&nbsp; Automatically rebalances the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) you select <br> (either monthly, quarterly, semi-annually or <br> annually) to maintain your chosen allocations <br> among the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640)<br> ●The [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) is <br> not included in <br> portfolio <br> rebalancing <br>|
| Asset Allocation Models | &nbsp;&nbsp; Allocation models are available that comprise a <br> combination of [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) representing various asset <br> classes with various levels of risk tolerance. <br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640)<br> ●Only one model is <br> available at a time<br> ●Models are "static" <br> which means the <br> percentage <br> allocations among <br> the Divisions under <br> a Model will not <br> change. Therefore <br> the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) must <br> make an <br> affirmative election <br> to change models<br> ●Available models <br> may change in the <br> future<br>|
| Terminal Illness Benefit | &nbsp;&nbsp; If the insured is eligible for a terminal illness <br> benefit, the company will pay a one-time lump sum <br> to the owner. The amount paid is the requested <br> death benefit less interest, administration fees, <br> loan adjustment and any required premium due.<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●The terminal illness <br> benefit paid is less <br> than the requested <br> death benefit<br> ●There is a charge <br> for this benefit<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Variable Universal Life Plus Prospectus**

------

Buying the Policy

When you apply for a [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), you must instruct us in the [Application](#bookmark_application_6341323c-2f31-4415-926a-a9e05fd6f640) or supplement to the [Application](#bookmark_application_6341323c-2f31-4415-926a-a9e05fd6f640) to allocate your [Net](#bookmark_netpremium_6341323c-2f31-4415-926a-a9e05fd6f640)[Premium](#bookmark_netpremium_6341323c-2f31-4415-926a-a9e05fd6f640) to one or more of the investment options including the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640). [Net Premiums](#bookmark_netpremium_6341323c-2f31-4415-926a-a9e05fd6f640) are [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) less deductions, such as premium expense charges. [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) provided prior to the [In Force Date](#bookmark_inforcedate_6341323c-2f31-4415-926a-a9e05fd6f640) will be placed in our [General Account](#bookmark_generalaccount_6341323c-2f31-4415-926a-a9e05fd6f640). On the [In Force Date](#bookmark_inforcedate_6341323c-2f31-4415-926a-a9e05fd6f640) initial [Net Premium](#bookmark_netpremium_6341323c-2f31-4415-926a-a9e05fd6f640) is allocated to either the Government Money Market investment [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) (if prior to the [Initial Allocation Date](#bookmark_initialallocationdate_6341323c-2f31-4415-926a-a9e05fd6f640)) or your selected investment options, including the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640). Your [Initial](#bookmark_initialallocationdate_6341323c-2f31-4415-926a-a9e05fd6f640)[Allocation Date](#bookmark_initialallocationdate_6341323c-2f31-4415-926a-a9e05fd6f640) is based on the date we approve your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), any later [Policy Date](#bookmark_policydate_6341323c-2f31-4415-926a-a9e05fd6f640) you choose, as well as your state of issue and its right to return laws. Your initial allocation instructions remain in effect for subsequent [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) until we receive your request to change them.

A minimum initial [Premium Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) (based on age, underwriting classification, your [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640), any optional benefits and, if applicable, the [Death Benefit Guarantee Period](#bookmark_deathbenefitguranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640)) is required to put the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in force. For certain [Death Benefit Guarantee](#bookmark_deathbenefitguranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640)[Periods](#bookmark_deathbenefitguranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640), a minimum [Premium Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) is required to be paid in the first [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640). Although you must make sufficient [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) to keep the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in force, after issue there is no required schedule or amount of [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640)required. However, if you elect a [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640), a minimum [Premium Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) is required to meet the test required to maintain the guarantee. In addition to restrictions on transfers among investment options (including the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640)), there are also limits on allocations into the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) and/or the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) (which vary depending on whether you have a [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640) as noted in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)) as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Amounts may not be allocated or transferred into the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) and/or the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) if such allocation or transfer would cause the sum of the amounts in these options to exceed the limits described in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● No [Net Premiums](#bookmark_netpremium_6341323c-2f31-4415-926a-a9e05fd6f640) may be allocated, or amounts transferred, to the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) and/or the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) if such allocation or transfer would cause the percent of [Net Premiums](#bookmark_netpremium_6341323c-2f31-4415-926a-a9e05fd6f640) that may be allocated and/or transferred, as applicable, to these options to exceed the limits described in the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● No amounts may be allocated to the [SAS Account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) if the current declared annual effective interest rate for the tier two portion of the [SAS account](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) is not greater than the minimum guaranteed annual effective interest rate

You may not make any [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) after the [Policy Anniversary](#bookmark_policyanniversary_6341323c-2f31-4415-926a-a9e05fd6f640) nearest the [Insured's](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) 121st birthday and additional [Premium Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) may not be less than $25. A [Premium Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) that would either exceed cumulative premiums illustrated in the [Application](#bookmark_application_6341323c-2f31-4415-926a-a9e05fd6f640) or increase the [Policy's](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)[Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) more than it increases the [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640) will be accepted only if: the insurance in force, as increased, will be within issue limits; our insurability requirements are met; and the [Premium Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) is received prior to the [Policy Anniversary](#bookmark_policyanniversary_6341323c-2f31-4415-926a-a9e05fd6f640) nearest the [Insured's](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) 85th birthday. We also may limit the processing of [Premium](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640)[Payments](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) as necessary for the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to qualify as life insurance under federal tax law, to avoid classification as a modified endowment policy, or if mandated under applicable law. In addition, minimum payments may be required during the [Policy](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640)[Grace Period](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640) to avoid lapse (see "How Your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) Can Lapse" below).

The [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) has a [Minimum Death Benefit](#bookmark_minimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640), which is the amount required by federal tax law to maintain the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) as a life insurance contract. A [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) must satisfy a testing method (irrevocably chosen at time of issue) that requires the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) to equal or exceed a defined relationship, or multiple of, the [Policy's](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) value. Such a test may limit the amount of [Premium Payment](#bookmark_premiumpayment_6341323c-2f31-4415-926a-a9e05fd6f640)that may be paid in each [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640).

How Your Policy Can Lapse

Unless the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640) is in effect, if the value of your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is less than [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) as of a [Monthly](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)[Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640), your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) will enter a 61 day [Policy Grace Period](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640). At the end of the [Policy Grace Period](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640) your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) will terminate (i.e., lapse) with no value and your insurance coverage will end, unless you submit a payment to keep the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in force. We will send you a notice indicating the minimum payment amount required to keep the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) in force and the date by which you must make the payment. The payment must equal an amount that will cover all [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) that were due and unpaid before the end of the [Policy Grace Period](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640) and cover [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) for three months. If the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) dies during the [Policy Grace Period](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640) we will deduct any [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) due and unpaid from the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640).

If your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) lapses you may reinstate it within three years (or longer if required under state law) following the termination date, subject to our approval, satisfaction of our current underwriting requirements and provided you make at least the minimum payment (see above). To reinstate the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), you must make a [Premium Payment](#bookmark_premiumpayment_6341323c-2f31-4415-926a-a9e05fd6f640) equal to an amount that will cover all [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) that were due and unpaid before the end of the [Policy Grace Period](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640) and cover [Monthly Policy](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640)[Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) for three months. Any [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) that was outstanding when the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) terminated will also be reinstated. On the

**Variable Universal Life Plus Prospectus**

------

effective date of the reinstatement, your [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640) will be equal to the sum of [Net Premium](#bookmark_netpremiums_6341323c-2f31-4415-926a-a9e05fd6f640) paid upon reinstatement and any [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) on the termination date minus the total of [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) due and unpaid prior to the end of the [Policy](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640)[Grace Period](#bookmark_policygraceperiod_6341323c-2f31-4415-926a-a9e05fd6f640) and the [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) due on the date of reinstatement. [Net Premium](#bookmark_netpremiums_6341323c-2f31-4415-926a-a9e05fd6f640) paid upon reinstatement will not include any interest from the date of the lapse. Upon reinstatement, your [Policy Date](#bookmark_policydate_6341323c-2f31-4415-926a-a9e05fd6f640) will not change and your [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) will remain the same as of the date of lapse and fees and charges that vary by [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) will take into account the period of time your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) was terminated. If a surrender charge was assessed at the time of lapse, the [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640) when a [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is reinstated will include a credit for such surrender charge.

Making Withdrawals: Accessing Money in Your Policy

You may surrender your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) for the [Cash Surrender Value](#bookmark_cashsurrendervalue_6341323c-2f31-4415-926a-a9e05fd6f640) (the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) value minus debt) at any time while the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) is alive and the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is in force. We determine the [Cash Surrender Value](#bookmark_cashsurrendervalue_6341323c-2f31-4415-926a-a9e05fd6f640) on the date your request for surrender (received in [Good](#bookmark_goodorder_6341323c-2f31-4415-926a-a9e05fd6f640)[Order](#bookmark_goodorder_6341323c-2f31-4415-926a-a9e05fd6f640)) is effective, which is any day the [NYSE](#bookmark_nyse_6341323c-2f31-4415-926a-a9e05fd6f640) is open (generally if received before 4:00 p.m. Eastern Time) or on the next day the [NYSE](#bookmark_nyse_6341323c-2f31-4415-926a-a9e05fd6f640) is open if received after. We may require you to return your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) to our [Home Office](#bookmark_homeoffice_6341323c-2f31-4415-926a-a9e05fd6f640) when you request a surrender of the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). We will pay surrender proceeds in a lump sum or under an [Income Plan](#bookmark_incomeplan_6341323c-2f31-4415-926a-a9e05fd6f640) option you select. We will generally pay surrender proceeds within seven days of the effective date of the request.

Upon written request while the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) is alive and the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is in force, you may also make a withdrawal, subject to [Northwestern Mutual's](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640) right to assess a charge in an amount up to $25 per withdrawal (currently waived). You may make no more than four withdrawals in a [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640). Each withdrawal must be at least $250, and you may not withdraw an amount that would:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● reduce the [Loan Value](#bookmark_loanvalue_6341323c-2f31-4415-926a-a9e05fd6f640), net of any applicable service charge, to less than the [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) (the [Loan Value](#bookmark_loanvalue_6341323c-2f31-4415-926a-a9e05fd6f640) is an amount equal to 90% of the excess of your [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640) over any applicable surrender charge less [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● for a [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) with [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) Option A, withdraw an amount which would reduce the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) to less than the minimum [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) required for issuance of a [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) at the time of withdrawal (unless this [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is in force under [Paid-up](#bookmark_paidup_6341323c-2f31-4415-926a-a9e05fd6f640) insurance); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● reduce the [Cash Surrender Value](#bookmark_cashsurrendervalue_6341323c-2f31-4415-926a-a9e05fd6f640) to less than the sum of three times the most recent [Monthly Policy Charge](#bookmark_monthlypolicychanges_6341323c-2f31-4415-926a-a9e05fd6f640).

A withdrawal may also decrease the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) used to determine the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) for certain [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) options.

Written requests for withdrawal will be processed and effective on the date we receive the request in [Good Order](#bookmark_goodorder_6341323c-2f31-4415-926a-a9e05fd6f640) at our [Home](#bookmark_homeoffice_6341323c-2f31-4415-926a-a9e05fd6f640)[Office](#bookmark_homeoffice_6341323c-2f31-4415-926a-a9e05fd6f640). Requests received any day the [NYSE](#bookmark_nyse_6341323c-2f31-4415-926a-a9e05fd6f640) is open, if received before 4:00 p.m. Eastern Time, are deemed received and effective that day. If the request is received after 4:00 p.m. Eastern Time, the request will be deemed to be received and effective on the next day the [NYSE](#bookmark_nyse_6341323c-2f31-4415-926a-a9e05fd6f640) is open. We will generally pay withdrawal proceeds within seven days of the effective date of the request.

Fee and Expense Tables

**The following tables describe the fees and expenses that are payable when you buy, own, surrender or make withdrawals from the** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**. Please refer to your** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) **specifications page for information about the specific fees you will pay each year based on the options you have elected.**

Transaction Fees

**The table below describes the fees and expenses that are payable at the time that you buy the** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**, make premium payments, surrender the** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**, make withdrawals, transfer among investment options, or make certain changes to the** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**.** 

**Variable Universal Life Plus Prospectus**

------

---

| | | | |
|:---|:---|:---|:---|
| **Charge** | **When Charge is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge is Deducted** | &nbsp;&nbsp; **Guaranteed Maximum** <br> **Charge**<br>| **Current Charge** |
| **Premium Tax Charge** | &nbsp;&nbsp; Upon each [Premium](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; No maximum — Charges <br> may increase to reflect <br> actual costs | 2.00% of [Premium Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) |
| **Federal Deferred** <br> **Acquisition Cost Charge**<sup>1</sup><br>| &nbsp;&nbsp; Upon each [Premium](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; No maximum — Charges <br> may increase to reflect <br> actual costs | 0.55% of [Premium Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640) |
| **Sales Load** | &nbsp;&nbsp; Upon each [Premium](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Payment](#bookmark_premiumpayments_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| Same as current charge | &nbsp;&nbsp; 6.95% of premium up to [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640)<sup>2</sup> and <br> 5.60% of premium in excess of [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640) in <br> [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 1-10; 3.95% of premium up to [Target](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640) and 5.60% of premium in excess of [Target](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640) in [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 11-20 and 0.00% beyond <br> year 20<br>|
| **Surrender Charge**<sup>3</sup> | &nbsp;&nbsp; Upon surrender or <br> change to paid-up <br> insurance during the first <br> ten [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|  |  |
| ***Maximum Charge***<sup>4</sup> |  | Same as current charge | &nbsp;&nbsp; 50% in [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 1-5 of the [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640), <br> grading down monthly in [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 6-10 to 0%<br>|
| ***Minimum Charge***<sup>5</sup> |  | Same as current charge | &nbsp;&nbsp; 13% in [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 1-5 of the [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640), <br> grading down monthly in [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 6-10 to 0%<br>|
| ***Charge for Insured Issue*** <br> ***Age 35***<br>|  | Same as current charge | &nbsp;&nbsp; 50% in [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 1-5 of the [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640), <br> grading down monthly in [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 6-10 to 0%<br>|
| **Withdrawal Fee**<sup>6</sup> | Upon withdrawal | $25.00 | Currently waived |
| **Transfer Fee**<sup>6</sup> | Upon transfer | $25.00 | Currently waived |
| **Change in Death Benefit** <br> **Option Fee**<sup>6</sup><br>| &nbsp;&nbsp; Upon change in [Death](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) option<br>| $25.00 | Currently waived |
| **Change in Specified** <br> **Amount Fee**<sup>6</sup><br>| &nbsp;&nbsp; Upon change in [Specified](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; $25.00 per change after <br> first change in a [Policy](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| Currently waived |
| **Request for Additional** <br> **Illustration Charge**<sup>6,7</sup><br>| &nbsp;&nbsp; Upon request for more <br> than one illustration in a <br> [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; $25.00 per illustration for <br> each additional <br> illustration in a [Policy](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| Currently waived  |
| **Expedited Delivery** <br> **Charge**<sup>6,8</sup><br>| &nbsp;&nbsp; When express mail <br> delivery is requested<br>| &nbsp;&nbsp; $50 per delivery (up to <br> $75 for next day, a.m. <br> delivery) adjusted for <br> inflation<sup>9</sup> <br>| &nbsp;&nbsp; $15 per delivery (up to $45 for next day, a.m. <br> delivery)<br>|
| **Wire Transfer Fee**<sup>6,8</sup> | &nbsp;&nbsp; When a wire transfer is <br> requested<br>| &nbsp;&nbsp; $50 per transfer (up to <br> $100 for international <br> wires) adjusted for <br> inflation<sup>9</sup> <br>| $25 per transfer (up to $50 for international wires) |

---

<sup>1</sup>

This charge was previously referred to as the "OBRA Expense Charge" or "Other Premium Expense Charge." Due to a federal tax law change under the Omnibus Budget Reconciliation Act of 1990, as amended ("OBRA"), insurance companies are generally required to capitalize and amortize certain acquisition expenses rather than currently deduct such expenses. Due to this capitalization and amortization, the corporate income tax burden on insurance companies has been affected. This charge compensates us for the additional corporate income tax burden resulting from OBRA.

<sup>2</sup>

The [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640) is a hypothetical annual premium which is based on the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640), [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) option, [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_6341323c-2f31-4415-926a-a9e05fd6f640), any optional benefits, and characteristics of the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640), such as factors including but not limited to [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640), sex, and underwriting classification. Please see "[Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640)" in the Glossary of Terms.

<sup>3</sup>

The initial surrender charge percentage varies by [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) and remains level between [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) one through five, and declines monthly in [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) six through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) would pay. For more information on the surrender charge, see "Charges and Deductions – [Monthly Policy Charges](#bookmark_monthlypolicycharges_6341323c-2f31-4415-926a-a9e05fd6f640) and Service Charges" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640). Your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) schedule pages will indicate the maximum charge under your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640).

<sup>4</sup>

The maximum Surrender Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristic: [Issue Ages](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 0-54.

<sup>5</sup>

The minimum Surrender Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristic: [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 75.

<sup>6</sup>

Fees and charges are deducted from [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640) (see "Glossary of Terms").

<sup>7</sup>

An illustration of the [Policy's](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) future benefits and values is provided once a [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) at no charge upon request.

<sup>8</sup>

This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.

<sup>9</sup>

The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time

**Variable Universal Life Plus Prospectus**

------

of the charge, divided by the CPI for April, 2018. "CPI" means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by [Northwestern Mutual](#bookmark_northwesternmutual_6341323c-2f31-4415-926a-a9e05fd6f640) to serve the same purpose.

Periodic Charges (Other than [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) Operating Expenses)<sup>1</sup>

**The table below describes the fees and expenses that you will pay periodically during the time that you own the** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) **other than the operating expenses for the** [**Portfolios**](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640)**. Certain charges applicable to your** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) **depend on your** [**Policy Year**](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)**. Please see** [**"Policy Year"**](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) **in the Glossary of Terms to help you understand how they will affect the charges applicable to your** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**.** 

---

| | | | |
|:---|:---|:---|:---|
|  |  | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge is Deducted** | &nbsp;&nbsp; **Guaranteed Maximum** <br> **Charge**<br>| **Current Charge** |
| **Cost of Insurance Charge**<sup>2</sup> <br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|  |  |
| ***Maximum Charge***<sup>3</sup> |  | Same as current charge | $83 (monthly) per $1,000 of net amount at risk |
| ***Minimum Charge***<sup>4</sup> |  | &nbsp;&nbsp; $0.007 (monthly) per <br> $1,000 of net amount at <br> risk<br>| $0.005 (monthly) per $1,000 net amount at risk |
| ***Charge for Insured Age*** <br> ***35, Male, Premier Non-***<br> ***Tobacco underwriting*** <br> ***classification***<sup>5</sup><br>|  | &nbsp;&nbsp; $0.11 (monthly) per <br> $1,000 of net amount at <br> risk in the first [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> (varies by [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640))<br>| &nbsp;&nbsp; $0.01 (monthly) per $1,000 of net amount at risk in <br> the first [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) (varies by [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640))<br>|
| **Percent of Contract Fund** <br> **Value Charge**<sup>6</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; All [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640): 0.60% <br> annually (0.05% monthly <br> rate) of [Contract Fund](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; All amounts in the [Divisions](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640): 0.00% annually (0.00% <br> monthly rate) of [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640)<br>[SAS Account](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640): 0.23% annually (0.019% monthly rate) <br> of [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| **Administrative Charge** | &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|  |  |
| ***Maximum Charge***<sup>7</sup> |  | $33 (monthly) | $16 (monthly) |
| ***Minimum Charge***<sup>8</sup> |  | $16 (monthly) | $7 (monthly) |
| ***Charge for Insured Age*** <br> ***35, Male, Premier Non-***<br> ***Tobacco underwriting*** <br> ***classification***<br>|  | $19 (monthly) | $9 (monthly) |
| **Specified Amount Charge** | &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br> during the first ten [Policy](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|  |  |
| ***Maximum Charge***<sup>9</sup> |  | Same as current charge | &nbsp;&nbsp; 1.375% (monthly) of [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640) during [Policy](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 1-10<br>|
| ***Minimum Charge***<sup>10</sup> |  | Same as current charge | &nbsp;&nbsp; 1.021% (monthly) of [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640) during [Policy](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 1-10<br>|
| ***Charge for Insured Age*** <br> ***35, Male, Premier Non-***<br> ***Tobacco underwriting*** <br> ***classification***<br>|  | Same as current charge | &nbsp;&nbsp; 1.25% (monthly) of [Target Premium](#bookmark_tar_getpremium_6341323c-2f31-4415-926a-a9e05fd6f640) during [Policy](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 1-10<br>|
| **Death Benefit Guarantee** <br> **Charge**<br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br> when the [Death Benefit](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640) is in force<br>| &nbsp;&nbsp; $0.02 per $1,000 of <br> [Guaranteed Minimum](#bookmark_guaranteedminimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Death Benefit](#bookmark_guaranteedminimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; $0.01 per $1,000 of [Guaranteed Minimum Death](#bookmark_guaranteedminimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Benefit](#bookmark_guaranteedminimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| **Policy Debt Expense** <br> **Charge**<sup>11</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br> when there is [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; All [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 2.00% <br> annually (0.17% monthly <br> rate) of [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; 0.71% annually (0.0592% monthly rate) of [Policy](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) for [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 1-20<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> 0.21% annually (0.0175% monthly rate) of [Policy](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) for [Policy Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) 21 and above<br>|
| **Underwriting and Issue** <br> **Charge**<sup>12</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br> during the first ten [Policy](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Years](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|  |  |

---

**Variable Universal Life Plus Prospectus**

------

---

| | | | |
|:---|:---|:---|:---|
|  |  | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge is Deducted** | &nbsp;&nbsp; **Guaranteed Maximum** <br> **Charge**<br>| **Current Charge** |
| ***Maximum Charge***<sup>13</sup> |  | Same as current charge | &nbsp;&nbsp; $0.026 (monthly) per $1,000 of [Initial Specified](#bookmark_initialspecifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Amount](#bookmark_initialspecifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| ***Minimum Charge***<sup>14</sup> |  | Same as current charge | &nbsp;&nbsp; $0.005 (monthly) per $1,000 of [Initial Specified](#bookmark_initialspecifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Amount](#bookmark_initialspecifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| ***Charge for Insured Age*** <br> ***35, Male, Premier Non-***<br> ***Tobacco underwriting*** <br> ***classification***<br>|  | Same as current charge | &nbsp;&nbsp; $0.007 (monthly) per $1,000 of [Initial Specified](#bookmark_initialspecifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Amount](#bookmark_initialspecifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| **Selected Monthly** <br> **Premium Benefit** <br> **Charge**<sup>15</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|  |  |
| ***Maximum Charge***<sup>16</sup> |  | &nbsp;&nbsp; The greater of $0.09 <br> (monthly) per $1.00 of <br> [Selected Monthly](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640), or $0.14 <br> (monthly) per $1.00 of <br> [Specified Monthly](#bookmark_specifiedmonthlycharges_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Charges](#bookmark_specifiedmonthlycharges_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; The greater of $0.02 (monthly) per $1.00 of [Selected](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Monthly Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640), or $0.03 (monthly) per $1.00 of <br> [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| ***Minimum Charge***<sup>17</sup> |  | &nbsp;&nbsp; $0.003 (monthly) per <br> $1.00 of [Selected](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Monthly Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; $0.001 (monthly) per $1.00 of [Selected Monthly](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| ***Charge for Insured Age 0,*** <br> ***Male, Premier Non-***<br> ***Tobacco underwriting*** <br> ***classification***<br>|  | &nbsp;&nbsp; $0.003 per $1.00 of <br> [Selected Monthly](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br>| &nbsp;&nbsp; $0.0009 (monthly) per $1.00 of [Selected Monthly](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br> [Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|
| **Additional Purchase** <br> **Benefit Charge**<sup>18</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640)<br>|  |  |
| ***Maximum Charge***<sup>19</sup> |  | &nbsp;&nbsp; $0.14 (monthly) per <br> $1,000 of additional <br> purchase benefit amount<br>| &nbsp;&nbsp; $0.03 (monthly) per $1,000 of additional purchase <br> benefit amount<br>|
| ***Minimum Charge***<sup>20</sup> |  | &nbsp;&nbsp; $0.04 (monthly) per <br> $1,000 of additional <br> purchase benefit amount<br>| &nbsp;&nbsp; $0.00 (monthly) per $1,000 of additional purchase <br> benefit amount<br>|
| ***Charge for Insured, Issue*** <br> ***Age 0, Male***<br>|  | &nbsp;&nbsp; $0.04 (monthly) per <br> $1,000 of additional <br> purchase benefit amount<br>| &nbsp;&nbsp; $0.01 (monthly) per $1,000 of additional purchase <br> benefit<br>|
| **Terminal Illness Benefit** | &nbsp;&nbsp; When you request an <br> accelerated death benefit <br> payment<br>| Same as current charge | $250 |

---

<sup>1</sup>

The charges described in this table may vary based upon one or more characteristics of the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640), such as factors including but not limited to: [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640)underwriting classification, [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640), sex, underwriting amount, [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640), [Target Premium](#bookmark_tar-getpremium_6341323c-2f31-4415-926a-a9e05fd6f640), [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640), and [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) (see "Charges and Deductions—[Monthly Policy Charges](#bookmark_monthlypolicycharge_6341323c-2f31-4415-926a-a9e05fd6f640) and Service Charges" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640) for more details regarding each charge). Charges may be different if your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)is ["Paid-up"](#bookmark_paidup_6341323c-2f31-4415-926a-a9e05fd6f640) (see "Other Benefits Available Under the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)— Paid Up Insurance" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)). Therefore, the charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) may pay. Your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) schedule pages will indicate the Guaranteed Maximum Charge for each periodic charge under your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). In addition, where appropriate, all charges in the table expressed in dollars have been rounded to the nearest dollar, and all amounts that would round to zero have been rounded to the nearest penny or less, as necessary. Please request an illustration from your [Financial Representative](#bookmark_financialrepresentative_6341323c-2f31-4415-926a-a9e05fd6f640) for personalized information, including the particular charges applicable to your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). (See "Illustrations" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)). Unless otherwise noted, the charges in the table represent the monthly rate. Please see ["Policy Anniversary"](#bookmark_policyanniversary_6341323c-2f31-4415-926a-a9e05fd6f640) and ["Policy Date"](#bookmark_policydate_6341323c-2f31-4415-926a-a9e05fd6f640) in the Glossary of Terms to help you understand how they will affect the charges applicable to your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640).

<sup>2</sup>

The Cost of Insurance Charge will vary based on factors including but not limited to the [Insured's](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640)[Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640), sex, underwriting classification, underwriting amount, and [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640). The Cost of Insurance Charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) may pay. The net amount at risk is the difference between the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) and the [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640).

<sup>3</sup>

The Maximum Charge for the Cost of Insurance Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristic: [Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640) 120. Charges applicable to other combinations of [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) and [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) characteristics may be the same as the charge shown for the Maximum Charge for the Cost of Insurance Charge.

<sup>4</sup>

For the Minimum Charge for the Cost of Insurance Charge, the Current Charge assumes that the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is in the first [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640), and that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: Female, [Issue Ages](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 1-10, Premier Non-Tobacco underwriting classification. For the Minimum Charge for the Cost of Insurance Charge, the Guaranteed Maximum Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristic: Female, [Issue Ages](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640) and [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) characteristics may be the same as the charge shown for the Minimum Charge for the Cost of Insurance Charge.

**Variable Universal Life Plus Prospectus**

------

<sup>5</sup>

The amount of the Cost of Insurance Charge is determined by multiplying the net amount at risk by the cost of insurance rate (see "Charges and Deductions" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)). The net amount at risk is the difference between the [Death Benefit](#bookmark_deathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) (or the [Guaranteed Minimum Death Benefit](#bookmark_guaranteedminimumdeathbenefit_6341323c-2f31-4415-926a-a9e05fd6f640) if the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) is in force under the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640)) and the [Policy Value](#bookmark_policyvalue_6341323c-2f31-4415-926a-a9e05fd6f640). Generally, the cost of insurance rate will increase each [Policy Year](#bookmark_policyyear_6341323c-2f31-4415-926a-a9e05fd6f640).

<sup>6</sup>

For purposes of this charge, the [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640) is as of the day previous to a [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640) plus investment results and interest credited applicable for that [Monthly Processing Date](#bookmark_monthlyprocessingdate_6341323c-2f31-4415-926a-a9e05fd6f640). This charge may vary based on the proportionate amount of [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640) in the [NM Strength and](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640)Stability Account (see "The Fixed Option" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)) and/or different rates may apply to amounts in the Divisions versus amounts in the [NM Strength](#bookmark_nmstrengthandstabilityaccount_6341323c-2f31-4415-926a-a9e05fd6f640)and Stability Account.

<sup>7</sup>

The Maximum Charge for the Administrative Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 75, Class 1 to 9 Non-Tobacco/ Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.

<sup>8</sup>

The Minimum Charge for the Administrative Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: [Issue Ages](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 0-15, Premier, Preferred, and Standard Plus Non-Tobacco and Premier and Preferred Tobacco underwriting classification.

<sup>9</sup>

For the Maximum Charge for the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 65, Class Preferred, Standard Plus and Class 1 to 7 Tobacco underwriting classification.

<sup>10</sup>

The Minimum Charge for the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.

<sup>11</sup>

This charge is deducted from [Contract Fund Value](#bookmark_contractfundvalue_6341323c-2f31-4415-926a-a9e05fd6f640) when there is [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) and is intended to cover the costs associated with loans. This charge, that has a guaranteed maximum rate of 2%, encompasses any loan interest spread, which is the difference between the interest rate charged on policy loan amounts and the interest rate credited on amounts designated as collateral for the loan. The interest rates charged to loan amounts and credited to collateral are adjustable but are subject to a guaranteed maximum difference of 2%. When the insured is at or above Attained Age 100, the current Policy Debt Expense Charge is 0.00%. Please see "[Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) Loans" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640) for more information regarding how the loan interest rate is calculated.

<sup>12</sup>

The current minimum [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) is $100,000 for [Issue Ages](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 18-75 and $50,000 for [Issue Ages](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 0-17.

<sup>13</sup>

The Maximum Charge for the Underwriting and Issue Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 25, Class 1 to 9 Non- Tobacco/Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.

<sup>14</sup>

The Minimum Charge for the Underwriting and Issue Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: [Issue Age](#bookmark_issueage_6341323c-2f31-4415-926a-a9e05fd6f640) 55, Premier, Preferred; and Standard Plus Non-Tobacco/Occasional Tobacco; Premier and Preferred Tobacco underwriting classification.

<sup>15</sup>

The charges for the Selected Monthly Premium Benefit vary based on the [Insured's](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640)[Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640), underwriting classification, and "Selected Monthly Premium," and may increase from year to year. [Selected Monthly Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640) is an amount the [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) selects subject to a maximum permitted amount. The charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640), for the credit of the greater of (1) the [Selected Monthly Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640) or (2) the amount needed to provide for the credit of the "[Specified Monthly Charges](#bookmark_specifiedmonthlycharges_6341323c-2f31-4415-926a-a9e05fd6f640)" (current [Monthly Policy Charges](#bookmark_monthlypolicycharge_6341323c-2f31-4415-926a-a9e05fd6f640) excluding the Monthly [Policy Debt](#bookmark_policydebt_6341323c-2f31-4415-926a-a9e05fd6f640) Expense Charge and the charge for this benefit). (See "Other Benefits Available Under the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)—Optional Benefits Available for a Charge" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640) for more information about this benefit.) The monthly charge for this benefit is the greater of the selected monthly premium rate times the [Selected Monthly Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640) or the specified monthly charges rate times the [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_6341323c-2f31-4415-926a-a9e05fd6f640). If this optional benefit is selected, the maximum rates are shown in your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640).

<sup>16</sup>

The Maximum Charge for the Selected Monthly Premium Benefit assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: [Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640) 57, standard underwriting classification for Selected Monthly Premium and attained Age 59, standard underwriting classification for Specified Monthly Charges.

<sup>17</sup>

The Minimum Charge for the Selected Monthly Premium Benefit assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: [Attained Ages](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640) 0-17, standard underwriting classification. This assumes the amount of the charge determined by the [Selected Monthly Premium](#bookmark_selectedmonthlypremium_6341323c-2f31-4415-926a-a9e05fd6f640) is greater than the amount of the charge determined by the [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_6341323c-2f31-4415-926a-a9e05fd6f640).

<sup>18</sup>

The charges for the Additional Purchase Benefit vary based on the [Insured's](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) gender and [Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640) at the time the benefit is added to the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). The charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_6341323c-2f31-4415-926a-a9e05fd6f640) may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the [Specified Amount](#bookmark_specifiedamount_6341323c-2f31-4415-926a-a9e05fd6f640) and $200,000.

<sup>19</sup>

The Current Charge for the Maximum Charge for the Additional Purchase Benefit Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: Male, Benefit added at [Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640) 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: Benefit added at [Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640) 38 for Male or Female.

<sup>20</sup>

The Current Charge for the Minimum Charge for the Additional Purchase Benefit Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristics: Female, Benefit added at [Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640) 30, 33, 36, and 38. The Guaranteed Maximum Charge for the Minimum Charge of the Additional Purchase Benefit Charge assumes that the [Insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) has the following characteristic: Male or Female, Benefit added at [Attained Age](#bookmark_attainedage_6341323c-2f31-4415-926a-a9e05fd6f640) 0.

Annual [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) Operating Expenses

**The table below shows the range (minimum and maximum) of total operating expenses charged by the** [**Portfolios**](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) **that you may pay periodically during the time you own your** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**. The table below is based on information as of December 31, 2025 and may change from year to year. A complete list of the** [**Portfolios**](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) **available under your** [**Policy**](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640)**, including their annual expenses, may be found at the back of this document.** <br>

---

| | | |
|:---|:---|:---|
|  | ***Minimum*** | ***Maximum*** |
| &nbsp;&nbsp;&nbsp;&nbsp; Annual [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) Operating Expenses (expenses deducted from [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) assets, including management fees, <br> distribution (12b-1) fees, and other expenses as a percentage of average [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) assets)<br>| &nbsp;&nbsp; 0.14% | &nbsp;&nbsp; 2.50% |
| **Annual** [**Portfolio**](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) **Operating Expenses After Contractual Fee Waiver or Reimbursement\*** | &nbsp;&nbsp; 0.14% | &nbsp;&nbsp; 2.45% |

---

\*

The "Annual [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) Operating Expenses After Contractual Fee Waiver or Reimbursement" line in the above table shows the minimum and maximum fees and expenses charged by all of the [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) Operating Expenses and will continue until at least April 30, 2027.

For more information about voluntary fee waivers that may be in place, see the "Charges and Deductions" section.

**Variable Universal Life Plus Prospectus**

------

Glossary of Terms

APPLICATION <br>The form completed by the applicant when applying for coverage under the Policy. This includes any:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. amendments or endorsements; <br>2. supplemental Applications; <br>3. reinstatement Applications; and <br>4. Policy change Applications.

ATTAINED AGE <br>The Insured's Issue Age listed in the Policy schedule pages, plus the number of complete Policy Years that have elapsed since the Policy Date.

CASH SURRENDER VALUE <br>An amount equal to the Policy Value minus the sum of Policy Debt and any surrender charge. Please note that in certain contexts outside of the Prospectus, such as sales literature, notices and/or other materials, the term Accumulated Value After Loan and Surrender Charge may be used in place of Cash Surrender Value. In some circumstances, the terms Accumulated Value After Loan, Accumulated Value After Surrender Charge, or Net Accumulated Value may be used to describe your Cash Surrender Value, as appropriate.

CODE <br>The Internal Revenue Code of 1986, as amended.

COMPANY <br>The Northwestern Mutual Life Insurance Company.

CONTRACT FUND VALUE <br>An amount equal to amounts in the Divisions but does not include Policy Debt. Please note that in certain contexts outside of the Prospectus, such as sales literature, notices and/or other materials, the term Accumulated Value may be used in place of Contract Fund Value. In some circumstances, the terms Accumulated Value After Loan, Accumulated Value After Surrender Charge, or Net Accumulated Value may be used to describe your Contract Fund Value after deductions for a surrender charge or an outstanding loan, as appropriate.

DATE OF ISSUE <br>The date on which insurance coverage takes effect and the date on which the suicide and contestable periods begin. The date is shown in the Policy.

DEATH BENEFIT <br>The gross amount payable to the beneficiary upon the death of the Insured, before the deduction of Policy Debt and other adjustments. (See "Life Insurance Benefit" in the Prospectus).

DEATH BENEFIT GUARANTEE <br>An option available upon purchase of the Policy that allows you to select a Death Benefit Guarantee Period during which the Policy is guaranteed not to terminate due to insufficient value in your Policy.

DEATH BENEFIT GUARANTEE PERIOD <br>The period of time shown in your Policy schedule pages during which the Policy is guaranteed not to terminate due to insufficient value in your Policy under the Death Benefit Guarantee.

DIVISION <br>A subdivision of the Separate Account. We invest each Division's assets exclusively in shares of one Portfolio.

FINANCIAL REPRESENTATIVE <br>An individual who is authorized to sell you the Policy and who is licensed both as a Northwestern Mutual insurance agent and as a registered representative of our affiliate, Northwestern Mutual Investment Services, LLC, the principal underwriter of the Policy.

FUND <br>Each Fund is registered under the 1940 Act as an open-end management investment company or as a unit investment trust, or is not required to be registered under the Act. Each Portfolio of the Funds is available as an investment option under the Policy. The assets of each of the Divisions of the Separate Account are used to purchase shares of the corresponding Portfolio of a Fund.

GENERAL ACCOUNT <br>All assets of Northwestern Mutual, other than those held in the Separate Account or in other separate accounts that have been or may be established by Northwestern Mutual.

**Variable Universal Life Plus Prospectus**

------

GOOD ORDER <br>Your request or payment meets all the current requirements necessary for us to process it. For certain requests this may include, as applicable, the return of proceeds, evidence of insurability, underwriting, MEC-limit (or insurance qualification) requirements, any premium payments due, instructions as to payment due dates, or proper completion of certain Northwestern Mutual forms.

GUARANTEED MINIMUM DEATH BENEFIT <br>The gross amount of death benefit proceeds if the policy is being kept in force by the Death Benefit Guarantee.

HOME OFFICE <br>Our office at 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202-4797.

INCOME PLAN <br>An optional method of receiving the Death Benefit, maturity benefit, surrender proceeds or withdrawal proceeds of an insurance policy or annuity contract through a series of periodic payments. An Income Plan may also be known as a "payment plan."

IN FORCE DATE <br>The date on which the initial Net Premium is transferred from the General Account to the Separate Account after you have met all the conditions necessary for us to proceed with the final issuance of your Policy, such as determination of underwriting classification, receipt of minimum premiums and receipt of all paperwork in Good Order.

INITIAL ALLOCATION DATE <br>The date identified in the Policy on which we first allocate Net Premium to the Divisions of the Separate Account and/or the NM Strength and Stability Account according to the Owner's instructions.

INITIAL SPECIFIED AMOUNT <br>Specified Amount of coverage on the Date of Issue of the Policy.

INSURED <br>The person named as the Insured on the Application and in the Policy. Typically, this is an employee of the employer-Owner of the Policy.

INVESTMENT ACCOUNT <br>Amounts allocated to the Divisions of the Separate Account. Please note that in certain contexts outside of the Prospectus, such as sales literature, notices and/or other materials, the term Invested Assets may be used in place of Investment Account.

ISSUE AGE <br>The Insured's age on his/her birthday nearest the Policy Date.

LIFE INSURANCE BENEFIT <br>The net amount payable upon the death of the insured. The Life Insurance Benefit equals the Death Benefit reduced by any outstanding Policy Debt and other adjustments if death occurs during a grace period.

LOAN VALUE <br>An amount equal to 90% of the Policy Value on the date of the loan less 90% of the surrender charge that would be applicable on the date of the loan less any existing Policy Debt.

MINIMUM DEATH BENEFIT <br>The amount required by federal tax law to maintain the Policy as a life insurance contract.

MINIMUM PAYMENT AMOUNT <br>The minimum amount required to keep your Policy in force after your Policy has entered the Policy Grace Period.

MONTHLY POLICY CHARGES <br>The amount equal to the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. the monthly cost of insurance charge; <br>2. the monthly percent of contract fund value charge; <br>3. the monthly administrative charge; <br>4. the monthly Specified Amount charge; <br>5. the monthly underwriting and issue charge; <br>6. the monthly cost of any optional benefit, if applicable; <br>7. the monthly Policy Debt Expense charge, if applicable; and <br>8. the monthly Death Benefit Guarantee charge, if applicable.

**Variable Universal Life Plus Prospectus**

------

MONTHLY PROCESSING DATE <br>The first Monthly Processing Date is the Policy Date; thereafter, the Monthly Processing Date is the same day of each month as the Policy Date. If the Monthly Processing Date would otherwise fall on the 29<sup>th</sup>, 30<sup>th</sup>, or 31<sup>st</sup> of the month, monthly processing will occur on that day or on the last day of the month if the month does not have that day.

NET PREMIUM(S) <br>The amount of Premium Payment remaining after the Premium Expense Charges have been deducted.

NM STRENGTH AND STABILITY ACCOUNT <br>Amounts allocated or transferred to a fixed interest crediting option on or after the NM Strength and Stability Account availability date that are part of Northwestern Mutual's General Account.

NORTHWESTERN MUTUAL <br>The Northwestern Mutual Life Insurance Company.

NYSE <br>New York Stock Exchange.

OWNER (You, Your) <br>The person named in the Application as the Owner, or the person who becomes Owner by transfer or succession.

PAID-UP <br>An insurance policy that is paid-up is one that generally does not require additional minimum premium payments to stay in force and which earns a fixed rate of interest.

POLICY <br>Your Variable Universal Life Plus policy issued by Northwestern Mutual through the Separate Account.

POLICY ANNIVERSARY <br>The same day and month as the Policy Date in each year following the first Policy Year.

POLICY DATE <br>The date shown on the Policy Schedule Page from which the following are computed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Policy Year; <br>2. Policy Anniversary; <br>3. Monthly Processing Date; <br>4. the Issue Age of Insured; and <br>5. the Attained Age of the Insured.

POLICY DEBT <br>The total amount of all outstanding Policy loans, including both principal and accrued interest.

POLICY GRACE PERIOD <br>A 61-day period after which a Policy will lapse if you do not make a sufficient payment. This period may be longer if mandated by your state.

POLICY VALUE <br>The sum of Contract Fund Value and Policy Debt. Please note that in certain contexts outside of the Prospectus, such as sales literature, notices and/or other materials, the term Accumulated Value may be used in place of Policy Value. In some circumstances, the terms Accumulated Value After Loan, Accumulated Value After Surrender Charge, or Net Accumulated Value may be used to describe your Policy Value or an outstanding loan, as appropriate.

POLICY YEAR <br>A year that starts on the Policy Date or on a Policy Anniversary.

PORTFOLIO <br>A series of a Fund available for investment under the Policy which corresponds to a particular Division of the Separate Account.

PREMIUM PAYMENTS <br>All payments you make under the Policy other than loan repayments and transaction fees.

PROSPECTUS <br>The full statutory prospectus for the Policy.

SAS ACCOUNT <br> Another name for the NM Strength and Stability Account.

**Variable Universal Life Plus Prospectus**

------

SELECTED MONTHLY PREMIUM <br>An amount the Owner selects subject to a maximum permitted amount under the Selected Monthly Premium Benefit.

SEPARATE ACCOUNT <br>Northwestern Mutual Variable Life Account II.

SPECIFIED AMOUNT <br>The amount you select, subject to minimums and underwriting requirements we establish, which is used in determining the insurance coverage on an Insured's life.

SPECIFIED MONTHLY CHARGES <br>Current Monthly Policy Charges excluding the Monthly Policy Debt Expense Charge and the charge for the Selected Monthly Premium Benefit.

SUMMARY PROSPECTUS <br>This document is a summary version of the prospectus, which summarizes key information found in the Prospectus for the Policy.

TARGET PREMIUM <br>A hypothetical annual premium, which is based on the Specified Amount, and factors including but not limited to the Insureds' Issue Ages, sex, and underwriting classifications, used to compute part of the Premium Expense Charge, the Deferred Sales Charge, the Surrender Charge and the sales commission.

**Variable Universal Life Plus Prospectus**

------

Appendix A—Portfolios Available under Your Policy

The following is a list of [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) available under your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640). More information about the [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) is available in the [prospectuses](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640) for the [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640), which may be amended from time to time and can be found online at www.nmprospectus.com. You can also request this information at no cost by calling (866) 464-3800 or by sending an email request to vavldocrequest@northwesternmutual.com.

The current expenses and performance information below reflects fees and expenses of the [Portfolios](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640), but do not reflect the other fees and expenses that your [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) may charge. Expenses would be higher and performance would be lower if these other charges were included. Each [Portfolio's](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) past performance is not necessarily an indication of future performance. Please note that depending on whether your [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640) is in effect, allocations or transfers into the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) are subject to certain restrictions (see "The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640)" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)).

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Objective** | &nbsp;&nbsp;&nbsp; **Portfolio and Adviser/**<br> **Sub-adviser (if applicable)** | &nbsp;&nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Objective** | &nbsp;&nbsp;&nbsp; **Portfolio and Adviser/**<br> **Sub-adviser (if applicable)** | &nbsp;&nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Long-term growth of <br> capital; current income is <br> a secondary objective<br>**Growth Stock Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp; Mason Street Advisors, LLC <br> &nbsp;&nbsp;&nbsp;&nbsp;(MSA)/T. Rowe Price <br> Associates, Inc.<br>| 0.42%<sup>1</sup> <br>| 19.40% | 11.99% | 14.80% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Focused Appreciation** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Loomis, Sayles & <br> Company, L.P.<br>| 0.58%<sup>1</sup> <br>| 14.91% | 14.89% | 17.07% |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp;&nbsp; **Large Cap Core Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Wellington <br> Management Company LLP<br>| 0.43%<sup>1</sup> <br>| 16.59% | 12.70% | 13.96% |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp;&nbsp; **Large Cap Blend** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/J.P. Morgan Investment <br> Management, Inc.<br>| 0.70%<sup>1</sup> <br>| 14.34% | 11.77% | 11.98% |
| Investment results that <br> approximate the <br> performance of the <br> Standard & Poor's 500<sup>®</sup> <br> Composite Stock Price <br> Index<br>&nbsp;&nbsp;&nbsp; **Index 500 Stock** <br> **Portfolio**<sup>2</sup><br>| MSA/BlackRock Advisors, LLC | 0.19%<sup>1</sup> <br>| 17.64% | 14.19% | 14.58% |
| Long-term growth of <br> capital; income is a <br> secondary objective<br>&nbsp;&nbsp;&nbsp; **Large Company Value** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>| 0.74%<sup>1</sup> <br>| 14.58% | 9.85% | 9.48% |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp;&nbsp; **Domestic Equity** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Putnam Investment <br> Management, LLC<br>| 0.50%<sup>1</sup> <br>| 14.43% | 8.63% | 8.87% |
| Long-term growth of <br> capital and income<br>**Equity Income Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Associates, Inc.<br>| 0.57%<sup>1</sup> <br>| 14.48% | 11.31% | 10.64% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Mid Cap Growth Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/J.P. Morgan Investment <br> Management, Inc.<br>| 0.54%<sup>1</sup> <br>| 8.32% | 2.51% | 7.81% |
| Investment results that <br> approximate the <br> performance of the <br> Standard & Poor's <br> MidCap 400<sup>®</sup> Stock Price <br> Index<br>&nbsp;&nbsp;&nbsp; **Index 400 Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Northern Trust <br> Investments, Inc.<br>| 0.24%<sup>1</sup> <br>| 7.24% | 8.85% | 10.44% |
| Long-term growth of <br> capital; current income is <br> a secondary objective<br>**Mid Cap Value Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>| 0.71%<sup>1</sup> <br>| 9.16% | 8.96% | 9.25% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Small Cap Growth Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Wellington <br> Management Company LLP<br>| 0.56% | 6.93% | 1.29% | 8.82% |
| Investment results that <br> approximate the <br> performance of the <br> Standard & Poor's <br> SmallCap 600<sup>®</sup> Index<br>&nbsp;&nbsp;&nbsp; **Index 600 Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Northern Trust <br> Investments, Inc.<br>| 0.26% | 5.78% | 6.98% | 9.48% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Small Cap Value** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Investment Management, <br> Inc.<br>| 0.87%<sup>1</sup> <br>| 7.41% | 6.22% | 9.15% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **International Growth** <br> **Portfolio**<sup>2</sup><br>| MSA/FIAM LLC | 0.61%<sup>1</sup> <br>| 18.70% | 6.11% | 9.07% |

---

**Variable Universal Life Plus Prospectus**

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Objective** | &nbsp;&nbsp;&nbsp; **Portfolio and Adviser/**<br> **Sub-adviser (if applicable)** | &nbsp;&nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Objective** | &nbsp;&nbsp;&nbsp; **Portfolio and Adviser/**<br> **Sub-adviser (if applicable)** | &nbsp;&nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Research International** <br> **Core Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Massachusetts <br> Financial Services Company <br>| 0.58%<sup>1</sup> <br>| 22.98% | 5.89% | 7.81% |
| Long-term growth of <br> capital and income <br>&nbsp;&nbsp;&nbsp; **International Equity** <br> **Portfolio**<sup>2</sup><br>| MSA/Dodge & Cox | 0.68%<sup>1</sup> <br>| 38.35% | 10.31% | 6.65% |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Emerging Markets Equity** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/abrdn Investments <br> Limited<br>| 0.78%<sup>1</sup> <br>| 34.19% | 1.26% | 6.95% |
| Maximum current income <br> to the extent consistent <br> with liquidity and stability <br> of capital<sup>3</sup> <br>&nbsp;&nbsp;&nbsp; **Government Money** <br> **Market Portfolio**<sup>2,4</sup><br>| MSA/BlackRock Advisors, LLC | 0.33% | 4.03% | 3.03% | 1.96% |
| Provide as high a level of <br> current income as is <br> consistent with prudent <br> investment risk<br>&nbsp;&nbsp;&nbsp; **Short-Term Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Associates, Inc.<br>| 0.40% | 5.70% | 2.20% | 2.40% |
| Provide as high a level of <br> total return consistent <br> with prudent investment <br> risk; a secondary <br> objective is to seek <br> preservation of <br> shareholders' capital<br>**Select Bond Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp; MSA/Allspring Global <br> Investments, LLC<br>| 0.31%<sup>1</sup> <br>| 7.45% | -0.19% | 2.25% |
| Maximum total return, <br> consistent with <br> preservation of capital <br> and prudent investment <br> management<br>&nbsp;&nbsp;&nbsp; **Long-Term U.S.** <br> **Government Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Pacific Investment <br> Management Company LLC<br>| 2.45%<sup>1</sup> <br>| 6.15% | -7.18% | -0.19% |
| Pursue total return using <br> a strategy that seeks to <br> protect against U.S. <br> inflation<br>&nbsp;&nbsp;&nbsp; **Inflation Managed** <br> **Portfolio**<sup>2</sup> **(formerly** <br> **"Inflation Protection** <br> **Portfolio")**<br>| &nbsp;&nbsp;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>| 0.46%<sup>1</sup> <br>| 6.51% | 0.92% | 2.82% |
| High current income and <br> capital appreciation<br>&nbsp;&nbsp;&nbsp; **High Yield Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Federated Investment <br> Management Company<br>| 0.46% | 8.49% | 4.06% | 5.95% |
| Maximum total return, <br> consistent with prudent <br> investment management<br>&nbsp;&nbsp;&nbsp; **Multi-Sector Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp; MSA/Pacific Investment <br> Management Company LLC<br>| 0.75%<sup>1</sup> <br>| 10.00% | 1.66% | 4.56% |
| Realize as high a level of <br> total return as is <br> consistent with <br> conservative investment <br> risk, through income and <br> secondarily through <br> capital appreciation<br>&nbsp;&nbsp;&nbsp; **Active/Passive** <br> **Conservative Portfolio**<sup>2</sup><br>| MSA | 0.54%<sup>1</sup> <br>| N/A | N/A | N/A |
| Realize as high a level of <br> total return as is <br> consistent with <br> reasonable investment <br> risk through appreciation <br> and income<br>&nbsp;&nbsp;&nbsp; **Active/Passive Balanced** <br> **Portfolio**<sup>2</sup> **(formerly** <br> **"Balanced Portfolio")**<br>| MSA | 0.44%<sup>1</sup> <br>| 12.19% | 4.71% | 6.76% |
| Realize as high a level of <br> total return as is <br> consistent with moderate <br> investment risk through <br> appreciation and <br> secondarily through <br> income<br>&nbsp;&nbsp;&nbsp; **Active/Passive Moderate** <br> **Portfolio**<sup>2</sup> **(formerly** <br> **"Asset Allocation** <br> **Portfolio")**<br>| MSA | 0.49%<sup>1</sup> <br>| 14.46% | 6.36% | 8.21% |
| Realize as high a level of <br> total return as is <br> consistent with aggressive <br> investment risk, primarily <br> through appreciation and <br> some income <br>&nbsp;&nbsp;&nbsp; **Active/Passive** <br> **Aggressive Portfolio**<sup>2</sup><br>| MSA | 0.60%<sup>1</sup> <br>| N/A | N/A | N/A |

---

**Variable Universal Life Plus Prospectus**

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Objective** | &nbsp;&nbsp;&nbsp; **Portfolio and Adviser/**<br> **Sub-adviser (if applicable)** | &nbsp;&nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Objective** | &nbsp;&nbsp;&nbsp; **Portfolio and Adviser/**<br> **Sub-adviser (if applicable)** | &nbsp;&nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Active/Passive Very** <br> **Aggressive Portfolio**<sup>2</sup> <br> **(formerly "Active/Passive** <br> **All Equity Portfolio")**<br>| MSA | 0.63%<sup>1</sup> <br>| N/A | N/A | N/A |
| Growth of capital<br> &nbsp;&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **Growth Fund - Class 1A**<sup>5</sup><br>| &nbsp;&nbsp;&nbsp; Capital Research and <br> Management Company <br> &nbsp;&nbsp;&nbsp;&nbsp;(CRMC)<br>| 0.58% | 20.24% | 13.37% | N/A |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **Global Growth Fund -** <br> **Class 1A**<sup>5</sup><br>| CRMC | 0.65%<sup>1</sup> <br>| 21.63% | 8.24% | N/A |
| Long-term capital <br> appreciation<br>&nbsp;&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS New** <br> **World Fund**<sup>®</sup> **- Class 1A**<sup>5</sup><br>| CRMC | 0.82%<sup>1</sup> <br>| 28.27% | 5.32% | N/A |
| Provide as high a level of <br> current income as is <br> consistent with the <br> preservation of capital<br>&nbsp;&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS The** <br> **Bond Fund of America**<sup>®</sup> **-** <br> **Class 1A**<sup>5</sup><br>| CRMC | 0.47%<sup>1</sup> <br>| 7.24% | -0.14% | N/A |
| Provide, over the long <br> term, a high level of total <br> return consistent with <br> prudent investment <br> management <br>&nbsp;&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **Capital World Bond** <br> **Fund**<sup>®</sup> **- Class 1A**<sup>5</sup><br>| CRMC | 0.73% | 9.31% | -2.50% | N/A |
| Provide a high level of <br> current income; a <br> secondary objective is <br> capital appreciation<br>&nbsp;&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **American High-Income** <br> **Trust**<sup>®</sup> **- Class 1A**<sup>5</sup><br>| CRMC | 0.62%<sup>1</sup> <br>| 8.19% | 5.59% | N/A |
| Seek to match the <br> performance of the MSCI <br> EAFE Index in U.S. dollars <br> with net dividends as <br> closely as possible before <br> deduction of fund <br> expenses<br>&nbsp;&nbsp;&nbsp; **BlackRock International** <br> **Index V.I. Fund - Class I**<sup>6</sup><br>| BlackRock Advisors, LLC | 0.27%<sup>1</sup> <br>| 31.37% | 8.88% | 8.18% |
| Maximize total return, <br> consistent with income <br> generation and prudent <br> investment management<br>&nbsp;&nbsp;&nbsp; **BlackRock Total Return** <br> **V.I. Fund - Class I**<sup>6</sup><br>| &nbsp;&nbsp;&nbsp; BlackRock Advisors, LLC/<br> BlackRock International <br> Limited & BlackRock <br> &nbsp;&nbsp;&nbsp;&nbsp;(Singapore) Limited <br>| 0.43%<sup>1</sup> <br>| 8.00% | -0.37% | 2.18% |
| Total return<br> &nbsp;&nbsp;&nbsp; **Cantor Fitzgerald** <br> **Commodity Return** <br> **Strategy Portfolio – Class** <br> **2**<sup>7</sup><br>| &nbsp;&nbsp;&nbsp; O'Connor Alternative <br> Investments, LLC <sup>8</sup> <br>| 0.80%<sup>1</sup> <br>| 15.68% | 10.61% | N/A |
| Long-term capital <br> appreciation<br>&nbsp;&nbsp;&nbsp; **Columbia VP Small Cap** <br> **Value Discovery Fund -** <br> **Class 1**<sup>9</sup>**(formerly "VP** <br> **Small Cap Value Fund")**<br>| &nbsp;&nbsp;&nbsp; Columbia Management <br> Investment Advisers, LLC<br>| 0.91%<sup>1</sup> <br>| 14.99% | 12.48% | 11.48% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Mid Cap** <br> **Portfolio – Initial Class**<sup>10</sup><br>| &nbsp;&nbsp;&nbsp; Fidelity Management & <br> Research Company LLC <br> &nbsp;&nbsp;&nbsp;&nbsp;(FMR)<sup>11</sup> <br>| 0.55% | 11.75% | 10.10% | 10.59% |
| Long-term capital <br> appreciation <br>&nbsp;&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP** <br> **Contrafund**<sup>SM</sup> **Portfolio –** <br> **Initial Class**<sup>10</sup><br>| FMR<sup>11</sup> <br>| 0.54% | 21.52% | 15.37% | 15.78% |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Value** <br> **Strategies Portfolio -** <br> **Initial Class**<sup>10</sup><br>| FMR<sup>11</sup> <br>| 0.59% | 7.99% | 12.14% | 10.82% |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Health Care** <br> **Portfolio - Initial Class**<sup>10</sup><br>| FMR<sup>11</sup> <br>| 0.59% | 14.39% | 4.18% | 8.75% |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Technology** <br> **Portfolio - Initial Class**<sup>10</sup><br>| FMR<sup>11</sup> <br>| 0.56% | 23.36% | 16.83% | 23.76% |

---

**Variable Universal Life Plus Prospectus**

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment**<br> **Objective** | &nbsp;&nbsp;&nbsp; **Portfolio and Adviser/**<br> **Sub-adviser (if applicable)** | &nbsp;&nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** | &nbsp;&nbsp;&nbsp; **Average Annual**<br> **Total Returns**<br> **(as of 12/31/2025)** |
| **Investment**<br> **Objective** | &nbsp;&nbsp;&nbsp; **Portfolio and Adviser/**<br> **Sub-adviser (if applicable)** | &nbsp;&nbsp;&nbsp; **Current**<br> **Expenses** | **1 Year** | **5 Year** | **10 Year** |
| Seek to provide <br> investment results that <br> correspond to the <br> aggregate price and <br> interest performance of <br> debt securities in the <br> Bloomberg U.S. Aggregate <br> Bond Index<br>&nbsp;&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Bond Index** <br> **Portfolio - Initial Class**<sup>10</sup><br>| FMR <sup>11</sup> <br>| 0.14% | 6.98% | -0.57% | N/A |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **John Hancock Disciplined** <br> **Value International Trust** <br> **- Series NAV**<sup>12</sup><br>| &nbsp;&nbsp;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Boston Partners <br> Global Investors, Inc.<br>| 0.79% | 41.02% | 12.70% | 8.97% |
| Long-term capital <br> appreciation and current <br> income<br>&nbsp;&nbsp;&nbsp; **John Hancock Real Estate** <br> **Securities Trust - Series** <br> **NAV**<sup>12</sup><br>| &nbsp;&nbsp;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Wellington <br> Management Company LLP<br>| 0.76%<sup>1</sup> <br>| 0.63% | 5.77% | 5.91% |
| High level of current <br> income<br>&nbsp;&nbsp;&nbsp; **John Hancock Strategic** <br> **Income Opportunities** <br> **Trust - Series NAV**<sup>12</sup><br>| &nbsp;&nbsp;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Manulife <br> Investment Management <br> &nbsp;&nbsp;&nbsp;&nbsp;(US) LLC<br>| 0.74%<sup>1</sup> <br>| 7.51% | 1.61% | 3.26% |
| Long-term growth of <br> capital by investing <br> primarily in securities of <br> companies that meet the <br> Portfolio's environmental, <br> social and governance <br> criteria<br>&nbsp;&nbsp;&nbsp; **Quality Equity Portfolio**<sup>13</sup> <br> **(formerly "Sustainable** <br> **Equity Portfolio")**<br>| &nbsp;&nbsp;&nbsp; Neuberger Berman <br> Investment Advisers LLC<br>| 0.87% | 13.71% | 12.83% | 12.94% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **U.S. Strategic Equity** <br> **Fund**<sup>14</sup><br>| &nbsp;&nbsp;&nbsp; Russell Investment <br> Management LLC (RIM)<sup>15</sup> <br>| 0.87%<sup>1</sup> <br>| 14.43% | 10.66% | 12.45% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **U.S. Small Cap Equity** <br> **Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>| 1.06%<sup>1</sup> <br>| 8.34% | 7.15% | 8.98% |
| Current income and long-<br> term growth of capital<br>&nbsp;&nbsp;&nbsp; **Global Real Estate** <br> **Securities Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>| 0.90% | 8.59% | 2.55% | 3.57% |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **International Developed** <br> **Markets Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>| 0.95%<sup>1</sup> <br>| 28.64% | 8.53% | 7.51% |
| Provide total return<br> **Strategic Bond Fund**<sup>14</sup> | RIM<sup>15</sup> <br>| 0.65%<sup>1</sup> <br>| 7.35% | -1.07% | 1.77% |
| Current income and <br> moderate long-term <br> capital appreciation<br>&nbsp;&nbsp;&nbsp; **LifePoints**<sup>®</sup> **Variable** <br> **Target Portfolio Series** <br> **Moderate Strategy** <br> **Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>| 0.83%<sup>1</sup> <br>| 12.24% | 3.96% | 5.05% |
| Above-average long-term <br> capital appreciation and a <br> moderate level of current <br> income<br>&nbsp;&nbsp;&nbsp; **LifePoints**<sup>®</sup> **Variable** <br> **Target Portfolio Series** <br> **Balanced Strategy Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>| 0.89%<sup>1</sup> <br>| 14.96% | 6.39% | 6.88% |
| High long-term capital <br> appreciation; and as a <br> secondary objective, <br> current income<br>&nbsp;&nbsp;&nbsp; **LifePoints**<sup>®</sup> **Variable** <br> **Target Portfolio Series** <br> **Aggressive Strategy** <br> **Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>| 0.95%<sup>1</sup> <br>| 17.45% | 8.56% | 8.59% |
| High long-term capital <br> appreciation<br>&nbsp;&nbsp;&nbsp; **LifePoints**<sup>®</sup> **Variable** <br> **Target Portfolio Series** <br> **Equity Aggressive** <br> **Strategy Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>| 0.98%<sup>1</sup> <br>| 18.47% | 9.53% | 9.23% |

---

<sup>1</sup>

This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the [Portfolio's](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.

<sup>2</sup>

A series of Northwestern Mutual Series [Fund](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640), Inc., for which Mason Street Advisors, LLC, (MSA) our wholly-owned company, serves as investment adviser.

<sup>3</sup>

Although the Government Money Market [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) seeks to preserve its value at $1.00 per share, it is possible to lose money by investing in the Government Money Market [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640). An investment in a money market [portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) is neither [insured](#bookmark_insured_6341323c-2f31-4415-926a-a9e05fd6f640) nor guaranteed by the Federal Deposit Insurance Corporation or any government agency. During extended periods of low interest rates, the yield of a money market [portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) may also become extremely low and possibly negative. Please note that allocations into the Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) are subject to certain restrictions if your [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640) is in effect (see "The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market [Division](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640)" in the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)).

**Variable Universal Life Plus Prospectus**

------

<sup>4</sup>

**Please note that allocations or transfers into the Government Money Market** [**Division**](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) **are subject to certain restrictions if your** [**Death Benefit Guarantee**](#bookmark_deathbenefitguarantee_6341323c-2f31-4415-926a-a9e05fd6f640) **is in effect. These restrictions include limits on the timing and amounts allocated or transferred to this** [**Division**](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) **to ensure total amounts in, or percentages allocated or transferred to, this** [**Division**](#bookmark_division_6341323c-2f31-4415-926a-a9e05fd6f640) **and/or the** [**SAS Account**](#bookmark_sasaccount_6341323c-2f31-4415-926a-a9e05fd6f640) **do not exceed certain maximum percentages (see "The Fixed Option-Restrictions on Amounts in the SAS Account and Government Money Market Division" in the** [**Prospectus**](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640)**).**

<sup>5</sup>

A series of American [Funds](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) Insurance Series<sup>®</sup>.

<sup>6</sup>

The BlackRock International Index V.I. [Fund](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) and BlackRock Total Return V.I. [Fund](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) are series of BlackRock Variable Series [Funds](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640), Inc. and BlackRock Variable Series [Funds](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) II, Inc., respectively.

<sup>7</sup>

A series of Cantor Fitzgerald Variable Insurance Trust (formerly "Credit Suisse Trust").

<sup>8</sup>

Effective March 31, 2026, O'Connor Alternative Investments, LLC succeeded UBS Asset Management (Americas) LLC as the Portfolio's investment adviser.

<sup>9</sup>

A series of Columbia [Funds](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) Variable Insurance Trust.

<sup>10</sup>

The Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) is a series of Variable Insurance Products [Fund](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) II. The Fidelity<sup>®</sup> VIP Mid Cap [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) and Fidelity<sup>®</sup> VIP Value Strategies [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) are each a series of Variable Insurance Products [Fund](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) III. The Fidelity<sup>®</sup> VIP Health Care [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) and Fidelity<sup>®</sup> VIP Technology [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) are each a series of Variable Insurance Products [Fund](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) IV. The Fidelity<sup>®</sup> VIP Bond Index [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) is a series of Variable Insurance Products [Fund](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640) V.

<sup>11</sup>

The following affiliates of Fidelity Management & Research Company also assist with foreign investments for each [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640): Fidelity Management & Research (U.K.) Inc., Fidelity Management & Research (Hong Kong) Limited, and Fidelity Management & Research (Japan) Inc.

<sup>12</sup>

A series of John Hancock Variable Insurance Trust.

<sup>13</sup>

A series of Neuberger Berman Advisers Management Trust.

<sup>14</sup>

A series of Russell Investment [Funds](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640).

<sup>15</sup>

Assets of each [Portfolio](#bookmark_portfolio_6341323c-2f31-4415-926a-a9e05fd6f640) are invested by one or more investment management organizations researched and recommended by Russell Investment Management LLC, the investment adviser for the Russell Investment [Funds](#bookmark_fund_6341323c-2f31-4415-926a-a9e05fd6f640).

**Variable Universal Life Plus Prospectus**

------

Additional Information

More information about the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and [Separate Account](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640) is included in a Statement of Additional Information ("SAI"), which is dated the same day as this [Summary Prospectus](#bookmark_summaryprospectus_6341323c-2f31-4415-926a-a9e05fd6f640) and the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640), and is available free of charge from The Northwestern Mutual Life Insurance Company. To request a free copy of the [Separate Account's](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640) SAI, or current annual report, or to request other information about the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) or to make investor inquiries, call (866) 464-3800. Under certain circumstances you or your [Financial Representative](#bookmark_financialrepresentative_6341323c-2f31-4415-926a-a9e05fd6f640) may be able to obtain these documents online at www.nmprospectus.com. Reports and other information about the [Separate Account](#bookmark_separateaccount_6341323c-2f31-4415-926a-a9e05fd6f640) are available on the SEC's Internet site at www.sec.gov, or they may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

This [Summary Prospectus](#bookmark_summaryprospectus_6341323c-2f31-4415-926a-a9e05fd6f640) incorporates by reference the [Prospectus](#bookmark_prospectus_6341323c-2f31-4415-926a-a9e05fd6f640) for the [Policy](#bookmark_policy_6341323c-2f31-4415-926a-a9e05fd6f640) and the SAI, both dated July 1, 2025, as amended or supplemented. <br>

Edgar Contract Identifier C000212050

**Variable Universal Life Plus Prospectus**

------