# EDGAR Filing Document

**Accession Number:** 0001359314
**File Stem:** 0001193125-26-189031
**Filing Date:** 2026-4
**Character Count:** 65538
**Document Hash:** ba85243fab133ef3d6dea259f6c4ca7a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-189031.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001193125-26-189031

**CONFORMED SUBMISSION TYPE**: 497VPU

**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:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-233805
- **FILM NUMBER:** 26910563

**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   |
|:---|:---|:---|
| C000216216 | Variable Universal Life Plus - NY |  |

**Variable Universal Life Plus - NY**

Issued by The Northwestern Mutual Life Insurance Company ("[Northwestern Mutual](#bookmark_northwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499)") <br>through Northwestern Mutual Variable Life Account II (the "[Separate Account](#bookmark_separateaccount_b12b0f36-910e-47d3-a0d1-4c51df6f9499)")

Updating Summary Prospectus <br>May 1, 2026

This [Summary Prospectus](#bookmark_summaryprospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499) contains more information about your individual flexible premium variable universal life policy (the "[Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499)"). The statutory [prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499) for the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) (the "[Prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499)") contains more information about the [Policy's](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) features, benefits and risks. You can find this document and other information about the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499), including the annual and semi-annual reports for your underlying [portfolios](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499), 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.

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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **or passed upon the adequacy of this** [**Summary Prospectus**](#bookmark_summaryprospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499)**. Any representation to the contrary is a criminal offense.**

**Only Available in the State of New York**

![](g226685nwmutual_logo.gif)

------

**Table of Contents**

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

---

| | |
|:---|:---|
|  | **Page** |
| [Updated Information About Your Policy](#xx_2151768f-ca68-4396-bd13-eb918e11f0dc_1) | 1  |
| [Important Information You Should Consider About the Policy](#xx_2151768f-ca68-4396-bd13-eb918e11f0dc_2) | 2  |
| [Glossary of Terms](#xx_2695533d-7e81-42fd-83d2-a6ffdd64f6ad_1) | 5  |
| [Appendix A—Portfolios Available under Your Policy](#xx_4fa090cc-0dc4-4e99-8bdd-34a74220674e_1) | 7  |
| [Additional Information](#xx_87cb3db7-487e-4eb1-9e34-f5da971e24f2_1) | 12 |

---

------

Updated Information About Your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499)

**The information in this section of the Updating** [**Summary Prospectus**](#bookmark_summaryprospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **is a summary of certain** [**Policy**](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **features that have changed since your** [**Prospectus**](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **dated July 1, 2025. This may not reflect all of the changes that have occurred since you entered into your** [**Policy**](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499)**.**

<br> Certain charges in the **Annual Portfolio Operating Expenses** table have been updated to reflect current minimum and maximum total operating expenses for the portfolios, as follows:

---

| | | |
|:---|:---|:---|
|  | ***Minimum*** | ***Maximum*** |
| &nbsp;&nbsp;&nbsp;&nbsp; **Annual** [**Portfolio**](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **Operating Expenses** (expenses deducted from [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) assets, including management fees, <br> distribution (12b-1) fees, and other expenses as a percentage of average [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) assets)<br>| &nbsp;&nbsp; 0.14% | &nbsp;&nbsp; 2.50% |
| **Annual** [**Portfolio**](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **Operating Expenses After Contractual Fee Waiver or Reimbursement\*** | &nbsp;&nbsp; 0.14% | &nbsp;&nbsp; 2.45% |

---

\*

The "Annual [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) Operating Expenses and will continue until at least April 30, 2027.

**Appendix A – Portfolios Available Under Your Policy** has been updated to reflect the following changes to the available Portfolios:

**Portfolio & Trust Name Changes** 

The name of the Sustainable Equity Portfolio has changed to "Quality Equity Portfolio".

The name of the Active/Passive All Equity Portfolio has changed to "Active/Passive Very Aggressive Portfolio".

The name of the Commodity Return Strategy Portfolio has changed to "Cantor Fitzgerald Commodity Return Strategy Portfolio" and the name of the Portfolio's trust has changed from "Credit Suisse Trust" to Cantor Fitzgerald Variable Insurance Trust".

**Investment Adviser and Sub-Adviser Changes**

Putnam Investment Management, LLC has replaced Delaware Investments Fund Advisers as the sub-adviser for the Domestic Equity Portfolio.

O'Connor Alternative Investments, LLC has replaced UBS Asset Management (Americas) LLC as the investment adviser for the Cantor Fitzgerald Commodity Return Strategy Portfolio.

**Portfolio Expenses Change**

The Current Expenses for the Emerging Markets Equity Portfolio (as set forth on Appendix A hereto) have changed from 0.89% to 0.79%.

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

Certain Periodic Charges (Other than Portfolio Operating Expenses) have been updated to reflect the Cost of Insurance Charge, Selected Monthly Premium Benefit Charge, Additional Purchase Benefit Charge, Current Charge for the Maximum Charge, Minimum Charge, and Charge for Insured, Issue Age 0, Male, and related footnote, as follows:

---

| | | | |
|:---|:---|:---|:---|
|  |  | **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_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br>|  |  |
| ***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 |
| **Selected Monthly** <br> **Premium Benefit** <br> **Charge**<sup>15</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br>|  |  |

---

------

---

| | | | |
|:---|:---|:---|:---|
|  |  | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge is Deducted** | &nbsp;&nbsp; **Guaranteed Maximum** <br> **Charge**<br>| **Current Charge** |
| ***Maximum Charge***<sup>16</sup> |  | &nbsp;&nbsp; The greater of $0.09 <br> (monthly) per $1.00 of <br> [Selected Monthly](#bookmark_selectedmonthlypremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> [Premium](#bookmark_selectedmonthlypremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499), or $0.14 <br> (monthly) per $1.00 of <br> [Specified Monthly](#bookmark_specifiedmonthlycharges_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> [Charges](#bookmark_specifiedmonthlycharges_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br>| &nbsp;&nbsp; The greater of $0.02 (monthly) per $1.00 of [Selected](#bookmark_selectedmonthlypremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> [Monthly Premium](#bookmark_selectedmonthlypremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499), or $0.03 (monthly) per $1.00 of <br> [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br>|
| ***Minimum Charge***<sup>17</sup> |  | &nbsp;&nbsp; $0.003 (monthly) per <br> $1.00 of [Selected](#bookmark_selectedmonthlypremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> [Monthly Premium](#bookmark_selectedmonthlypremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br>| &nbsp;&nbsp; $0.0009 (monthly) per $1.00 of [Selected Monthly](#bookmark_selectedmonthlypremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> [Premium](#bookmark_selectedmonthlypremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br>|
| **Additional Purchase** <br> **Benefit Charge**<sup>18</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<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>|

---

<sup>20</sup>

The Current Charge for the Minimum Charge for the Additional Purchase Benefit Charge assumes that the [Insured](#bookmark_insured_b12b0f36-910e-47d3-a0d1-4c51df6f9499) has the following characteristics: Female, Benefit added at [Attained Age](#bookmark_attainedage_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) has the following characteristic: Male or Female, Benefit added at [Attained Age](#bookmark_attainedage_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 0.

Important Information You Should Consider About the Policy

---

| | | |
|:---|:---|:---|
|  | **FEES AND EXPENSES** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> **Prospectus**<br>|
| **Charges for Early** <br> **Withdrawals**<br>| &nbsp;&nbsp; If you surrender your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) (or if you change your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) to [Paid-up](#bookmark_paidup_b12b0f36-910e-47d3-a0d1-4c51df6f9499) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_b12b0f36-910e-47d3-a0d1-4c51df6f9499) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499).<br>For example, if you surrender your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and your total [Target Premium](#bookmark_tar_getpremium_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<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_b12b0f36-910e-47d3-a0d1-4c51df6f9499), changes to your [Death Benefit](#bookmark_deathbenefit_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> option or [Specified Amount](#bookmark_specifiedamount_b12b0f36-910e-47d3-a0d1-4c51df6f9499), as well as charges for expedited delivery or wire <br> transfers. | &nbsp;&nbsp; Fee and Expense <br> Tables – Transaction <br> Fees <br>|

---

**Variable Universal Life Plus – NY Prospectus**

------

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> **Prospectus**<br>|
| **Ongoing Fees and** <br> **Expenses**<br> **(annual charges)** | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499). 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) available under your <br> [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499), the range for which is shown in the following table: | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499). 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) available under your <br> [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499), the range for which is shown in the following table: | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499). 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) available under your <br> [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499), 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) assets. | \* As a percentage of [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) assets. | \* As a percentage of [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499), including loss of principal. | You can lose money by investing in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499), including loss of principal. | You can lose money by investing in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499), including loss of principal. | &nbsp;&nbsp; Risks of the Policy <br> –Investment Risk <br> and The Funds<br>|
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; The [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> and the value of your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; The [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> and the value of your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; The [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> and the value of your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; Risks of the Policy <br> –Policy for Long-<br> Term Protection<br>|
| **Risks Associated** <br> **with Investment** <br> **Options**<br>| &nbsp;&nbsp; Investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499)) available under the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499). Each [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) will have its own unique <br> risks and you should review these investment options before making an <br> investment decision. | &nbsp;&nbsp; Investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499)) available under the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499). Each [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) will have its own unique <br> risks and you should review these investment options before making an <br> investment decision. | &nbsp;&nbsp; Investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499)) available under the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499). Each [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) will have its own unique <br> risks and you should review these investment options before making an <br> investment decision. | &nbsp;&nbsp; Risks of the Policy – <br> Investment Risk<br>Also see The Funds |
| **Insurance Company** <br> **Risks**<br>| &nbsp;&nbsp; Investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is subject to the risks related to [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499), <br> and any obligations, guarantees, or benefits are subject to the claims-paying <br> ability of [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499). More information about [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499), <br> including its financial strength ratings, is available upon request by calling toll <br> free (866) 464-3800. | &nbsp;&nbsp; Investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is subject to the risks related to [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499), <br> and any obligations, guarantees, or benefits are subject to the claims-paying <br> ability of [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499). More information about [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499), <br> including its financial strength ratings, is available upon request by calling toll <br> free (866) 464-3800. | &nbsp;&nbsp; Investment in the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is subject to the risks related to [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499), <br> and any obligations, guarantees, or benefits are subject to the claims-paying <br> ability of [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499). More information about [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499), <br> including its financial strength ratings, is available upon request by calling toll <br> free (866) 464-3800. | &nbsp;&nbsp; Risks of the Policy – <br> Investment Risk and <br> the Northwestern <br> Mutual section <br>|
| **Policy Lapse** | &nbsp;&nbsp; Insufficient premium payments, poor investment results, withdrawals, unpaid <br> loans, or loan interest may cause your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) subject to certain conditions described <br> in the [Prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499), including the payment of the minimum payment amount, <br> required to keep the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) in force.  | &nbsp;&nbsp; Insufficient premium payments, poor investment results, withdrawals, unpaid <br> loans, or loan interest may cause your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) subject to certain conditions described <br> in the [Prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499), including the payment of the minimum payment amount, <br> required to keep the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) in force.  | &nbsp;&nbsp; Insufficient premium payments, poor investment results, withdrawals, unpaid <br> loans, or loan interest may cause your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) subject to certain conditions described <br> in the [Prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499), including the payment of the minimum payment amount, <br> required to keep the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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>|

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**Variable Universal Life Plus – NY Prospectus**

------

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> **Prospectus**<br>|
| **Investments** | &nbsp;&nbsp; Transfer or allocations to the Government Money Market [Division](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499) are subject <br> to certain restrictions.<br>Transfers from the [Divisions](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499) must be in amounts greater than or equal to 1% of <br> assets in the [Divisions](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499), may be subject to charges, and are subject to the <br> [Policy's](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) short-term and excessive trading policies. These short-term and <br> excessive trading policies may trigger additional restrictions on your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499). <br> Currently, there is no charge when you transfer [Contract Fund Value](#bookmark_contractfundvalue_b12b0f36-910e-47d3-a0d1-4c51df6f9499) among <br> [Divisions](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499). However, we reserve the right to charge $25 for each transfer. You <br> may invest in up to 30 [Divisions](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499) at a time.<br>Under certain circumstances [Northwestern Mutual](#bookmark_nortwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499) reserves the right to <br> remove a [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) or substitute another [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) or mutual fund for such <br> [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499).  | &nbsp;&nbsp; Restrictions on <br> Amounts in the <br> Government Money <br> Market Division<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>|
|  | **TAXES** |  |
| **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_b12b0f36-910e-47d3-a0d1-4c51df6f9499). There is no <br> additional tax benefit if the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is purchased through a tax-qualified plan. | Tax Considerations  |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; The [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is sold exclusively through financial representatives of [Northwestern](#bookmark_northwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499)<br> [Mutual's](#bookmark_northwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499) affiliated broker-dealer, who are compensated with a commission <br> based on a percentage of premium, and [Northwestern Mutual](#bookmark_northwesternmutual_b12b0f36-910e-47d3-a0d1-4c51df6f9499) may share <br> revenue it earns on the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) with its affiliated broker-dealer. These financial <br> representatives may have a financial incentive to offer or recommend the <br> [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) rather than continue to own the existing <br> policy. |  |

---

**Variable Universal Life Plus – NY Prospectus**

------

Glossary of Terms

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.

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.

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.

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.

INSURED <br>The person named as the Insured on the Application and in the Policy.

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

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

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 (New York) policy issued by Northwestern Mutual through the Separate Account.

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.

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

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.

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.

------

Appendix A—Portfolios Available under Your Policy

The following is a list of [Portfolios](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) available under your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499). More information about the [Portfolios](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is available in the [prospectuses](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499) for the [Portfolios](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499), 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499), but do not reflect the other fees and expenses that your [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) may charge. Expenses would be higher and performance would be lower if these other charges were included. Each [Portfolio's](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) past performance is not necessarily an indication of future performance. Please note that depending on whether your [Death Benefit Guarantee](#bookmark_deathbenefitgntee_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is in effect, allocations or transfers into the Government Money Market [Division](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499) are subject to certain restrictions (see "Restrictions on Amounts in the Government Money Market [Division](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499)" in the [Prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499)).

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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 – NY 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 – NY 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 – NY 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499), 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499). An investment in a money market [portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is neither [insured](#bookmark_insured_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) may also become extremely low and possibly negative. Please note that allocations into the Government Money Market [Division](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499) are subject to certain restrictions if your [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is in effect (see "Restrictions on Amounts in the Government Money Market [Division](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499)" in the [Prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499)).

**Variable Universal Life Plus – NY Prospectus**

------

<sup>4</sup>

**Please note that allocations or transfers into the Government Money Market** [**Division**](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **are subject to certain restrictions if your** [**Death Benefit Guarantee**](#bookmark_deathbenefitguarantee_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **is in effect. These restrictions include limits on the timing and amounts allocated or transferred to this** [**Division**](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **to ensure total amounts in, or percentages allocated or transferred to, this** [**Division**](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499) **do not exceed certain maximum percentages (see "Restrictions on Amounts in the Government Money Market** [**Division**](#bookmark_division_b12b0f36-910e-47d3-a0d1-4c51df6f9499)**" in the** [**Prospectus**](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499)**).**

<sup>5</sup>

A series of American [Funds](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499) Insurance Series<sup>®</sup>.

<sup>6</sup>

The BlackRock International Index V.I. [Fund](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and BlackRock Total Return V.I. [Fund](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499) are series of BlackRock Variable Series [Funds](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499), Inc. and BlackRock Variable Series [Funds](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) Variable Insurance Trust.

<sup>10</sup>

The Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is a series of Variable Insurance Products [Fund](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499) II. The Fidelity<sup>®</sup> VIP Mid Cap [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and Fidelity<sup>®</sup> VIP Value Strategies [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) are each a series of Variable Insurance Products [Fund](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499) III. The Fidelity<sup>®</sup> VIP Health Care [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and Fidelity<sup>®</sup> VIP Technology [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) are each a series of Variable Insurance Products [Fund](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499) IV. The Fidelity<sup>®</sup> VIP Bond Index [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is a series of Variable Insurance Products [Fund](#bookmark_fund_b12b0f36-910e-47d3-a0d1-4c51df6f9499) V.

<sup>11</sup>

The following affiliates of Fidelity Management & Research Company also assist with foreign investments for each [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499): 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499).

<sup>15</sup>

Assets of each [Portfolio](#bookmark_portfolio_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499).

**Variable Universal Life Plus – NY Prospectus**

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Additional Information

More information about the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and [Separate Account](#bookmark_separateaccount_b12b0f36-910e-47d3-a0d1-4c51df6f9499) is included in a Statement of Additional Information ("SAI"), which is dated the same day as this [Summary Prospectus](#bookmark_summaryprospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and the [Prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499), 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) SAI, or current annual report, or to request other information about the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) or to make investor inquiries, call (866) 464-3800. Under certain circumstances you or your [Financial Representative](#bookmark_financialrepresentative_b12b0f36-910e-47d3-a0d1-4c51df6f9499) may be able to obtain these documents online at www.nmprospectus.com. Reports and other information about the [Separate Account](#bookmark_separateaccount_b12b0f36-910e-47d3-a0d1-4c51df6f9499) 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_b12b0f36-910e-47d3-a0d1-4c51df6f9499) incorporates by reference the [Prospectus](#bookmark_prospectus_b12b0f36-910e-47d3-a0d1-4c51df6f9499) for the [Policy](#bookmark_policy_b12b0f36-910e-47d3-a0d1-4c51df6f9499) and the SAI, both dated July 1, 2025, as amended or supplemented. <br>

Edgar Contract Identifier C000216216

**Variable Universal Life Plus – NY Prospectus**

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