# EDGAR Filing Document

**Accession Number:** 0001359314
**File Stem:** 0001193125-26-049943
**Filing Date:** 2026-2
**Character Count:** 631678
**Document Hash:** d1b21de917d57b574837392826dfc983
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-049943.hdr.sgml**: 20260213

**ACCESSION NUMBER**: 0001193125-26-049943

**CONFORMED SUBMISSION TYPE**: 485APOS

**PUBLIC DOCUMENT COUNT**: 6

**FILED AS OF DATE**: 20260213

**DATE AS OF CHANGE**: 20260213

**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:** 485APOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-21933
- **FILM NUMBER:** 26629049

**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
**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:** 485APOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-230143
- **FILM NUMBER:** 26629048

**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 |  |

Filed with the Securities and Exchange Commission on February 13, 2026

Registration No. 333-230143

Registration No. 811-21933

UNITED STATES <br>SECURITIES AND EXCHANGE COMMISSION <br>Washington, D.C. 20549

FORM N-6

---

| | |
|:---|:---|
| REGISTRATION STATEMENT UNDER THE SECURITIES<br> ACT OF 1933<br>| / / |
| Pre-Effective Amendment No. ___ | / / |
| Post-Effective Amendment No. <u>15</u> | / X / |
| and/or |  |
| REGISTRATION STATEMENT UNDER THE INVESTMENT<br> COMPANY ACT OF 1940<br>| / / |
| Amendment No. <u>125</u> | / X / |
| (Check appropriate box or boxes.) |  |

---

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

---

| | |
|:---|:---|
| Northwestern Mutual Variable Life Account II | Northwestern Mutual Variable Life Account II |
| (Exact Name of Registrant) | (Exact Name of Registrant) |
| THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY |
| (Name of Depositor) | (Name of Depositor) |
| 720 East Wisconsin Avenue, Milwaukee, Wisconsin | 53202 |
| (Address of Depositor's Principal Executive Offices) | (Zip Code) |

---

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

Depositor's Telephone Number, including Area Code <u> 414-271-1444 </u>

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

<u> Raymond J. Manista, Executive Vice President, Chief Legal Officer, Chief Compliance Officer, and Secretary The Northwestern Mutual Life Insurance Company 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202 </u> <br> (Name and Address of Agent for Service)

Copy to:

**Terry R. Young** <br>Assistant General Counsel and Assistant Secretary <br> The Northwestern Mutual Life Insurance Company <br> 720 East Wisconsin Avenue <br> Milwaukee, WI 53202-4797 <br> (414) 665-2092

Approximate Date of Proposed Public Offering <u> Continuous </u>

It is proposed that this filing will become effective (check appropriate space)

---

| | |
|:---|:---|
|  | immediately upon filing pursuant to paragraph (b) of Rule 485 |
|  | on pursuant to paragraph (b) of Rule 485 |
|  | 60 days after filing pursuant to paragraph (a)(1) of Rule 485 |
| X | on May 1, 2026 pursuant to paragraph (a)(1) of Rule 485 |
|  | this post-effective amendment designates a new effective date for a previously filed post-effective amendment. |

---

<u>Title of Securities Being Registered</u>: Interests in the Northwestern Mutual Variable Life Account II under flexible premium variable adjustable life insurance policies.

------

**Variable Universal Life Plus**

Issued by The Northwestern Mutual Life Insurance Company through Northwestern Mutual Variable Life Account II

Prospectus May 1, 2026

This prospectus (the "Prospectus") describes an individual flexible premium variable universal life insurance policy (the "Policy") issued by The Northwestern Mutual Life Insurance Company. The Policy is designed to provide a Life Insurance Benefit upon the death of the Insured and is not suitable for short-term investment. You should consider the Policy in conjunction with other insurance you own. **Replacing your existing life insurance with this Policy may not be to your advantage. In addition, it may not be to your advantage to finance the purchase or maintenance of this Policy through a loan or through withdrawals from another policy. Please consult your Financial Representative.**

Subject to the limitations discussed in this Prospectus you may choose to invest your Net Premiums in up to 30 Divisions of the Northwestern Mutual Variable Life Account II (the "Separate Account") as well as a fixed option under certain circumstances. Each Division of the Separate Account invests exclusively in shares of a single series of a Fund (a "Portfolio"). Each Portfolio available as an investment option under the Policy is identified below:

**Northwestern Mutual Series Fund, Inc.**

- Growth Stock Portfolio

- Focused Appreciation Portfolio

- Large Cap Core Stock Portfolio

- Large Cap Blend Portfolio

- Index 500 Stock Portfolio

- Large Company Value Portfolio

- Domestic Equity Portfolio

- Equity Income Portfolio

- Mid Cap Growth Stock Portfolio

- Index 400 Stock Portfolio

- Mid Cap Value Portfolio

- Small Cap Growth Stock Portfolio

- Index 600 Stock Portfolio

- Small Cap Value Portfolio

- International Growth Portfolio

- Research International Core Portfolio

- International Equity Portfolio

- Emerging Markets Equity Portfolio

- Government Money Market Portfolio

- Short-Term Bond Portfolio

- Select Bond Portfolio

- Long-Term U.S. Government Bond Portfolio

- Inflation Managed Portfolio (formerly "Inflation Protection Portfolio")

- High Yield Bond Portfolio

- Multi-Sector Bond Portfolio

- Active/Passive Conservative Portfolio

- Active/Passive Balanced Portfolio (formerly "Balanced Portfolio")

- Active/Passive Moderate Portfolio (formerly "Asset Allocation Portfolio")

- Active/Passive Aggressive Portfolio

- Active/Passive Very Aggressive Portfolio (formerly "Active/Passive All Equity Portfolio")

**American Funds Insurance Series**<sup>®</sup>

- Growth Fund

- Global Growth Fund

- New World Fund<sup>®</sup>

- The Bond Fund of America<sup>®</sup>

- Capital World Bond Fund<sup>®</sup>

- American High-Income Trust<sup>®</sup>

**BlackRock Variable Series Funds**

- International Index V.I. Fund

- Total Return V.I. Fund

**Columbia Funds Variable Insurance Trust**

- Small Cap Value Discovery Fund (formerly "Small Cap Value Fund")

**Cantor Fitzgerald Variable Insurance Trust (formerly "Credit Suisse Trust")**

- Cantor Fitzgerald Commodity Return Strategy Portfolio (formerly "Commodity Return Strategy Portfolio")

**Fidelity**<sup>®</sup> **Variable Insurance Products**

- VIP Mid Cap Portfolio

- VIP Contrafund<sup>SM</sup> Portfolio

- VIP Value Strategies Portfolio

- VIP Health Care Portfolio

- VIP Technology Portfolio

- VIP Bond Index Portfolio

**John Hancock Variable Insurance Trust**

- Disciplined Value International Trust

- Real Estate Securities Trust

- Strategic Income Opportunities Trust

**Neuberger Berman Advisers Management Trust**

- Quality Equity Portfolio (formerly "Sustainable Equity Portfolio")

**Russell Investment Funds**

- U.S. Strategic Equity Fund

- U.S. Small Cap Equity Fund

- Global Real Estate Securities Fund

- International Developed Markets Fund

- Strategic Bond Fund

**Russell Investment Funds LifePoints**<sup>®</sup> **Variable Target Portfolio Series**

- Moderate Strategy Fund

- Balanced Strategy Fund

- Aggressive Strategy Fund

- Equity Aggressive Strategy Fund

**Please note that the Policy (including any available fixed option) and the Portfolios are not guaranteed to achieve their goals; are not federally insured; are not bank deposits; and are not endorsed by any bank or government agency.**

This Policy is subject to the laws of the state in which the Policy is issued. Some of the terms of the Policy may differ from the terms of the Policy delivered in another state because of state specific legal requirements but all material state variations are described in this Prospectus. **This Policy is not available in the State of New York.** Unless clear from their context or otherwise appropriate, all of the capitalized terms used in this Prospectus are defined at the end of this Prospectus in the Glossary of Terms. "Northwestern Mutual," "Company," "we," "us," and "our" in this Prospectus mean The Northwestern Mutual Life Insurance Company.

**Please carefully read this Prospectus and any accompanying prospectuses for the corresponding Portfolios and keep them for future reference. This Prospectus provides information that you should know before investing in the Policy. No person is authorized to make any representation in connection with the offering of the Policy other than those contained in this Prospectus. Our Distributor may limit sales of**![](g42156nwmutual_logo.gif)

------

**the Policy to certain government entities and government entity plans.**

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the Policy or passed upon the adequacy of this Prospectus. Any representation to the contrary is a criminal offense.**

------

**You may cancel your Policy 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 Contract Fund Value. You should review the Prospectus, or consult with your Financial Representative, for some 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 SEC'S Staff and is available at www.investor.gov.

![](g42156nwmutual_logo.gif)

------

**Table of Contents**

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

---

| | |
|:---|:---|
|  | **Page** |
| &nbsp;&nbsp;&nbsp; [Important Information You Should](#xx_53ec475a-dd12-4c58-8029-b9ad8fa6bca7_1)<br> [Consider About the Policy](#xx_53ec475a-dd12-4c58-8029-b9ad8fa6bca7_1)<br>| 1  |
| &nbsp;&nbsp;&nbsp; [Overview of the Policy](#xx_53ec475a-dd12-4c58-8029-b9ad8fa6bca7_3) | 3  |
| [Fee and Expense Tables](#xx_53ec475a-dd12-4c58-8029-b9ad8fa6bca7_5) | 5  |
| &nbsp;&nbsp;&nbsp; [Transaction Fees](#xx_53ec475a-dd12-4c58-8029-b9ad8fa6bca7_5) | 5  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Periodic Charges (Other than Portfolio Operating](#xx_53ec475a-dd12-4c58-8029-b9ad8fa6bca7_6)<br> [Expenses)](#xx_53ec475a-dd12-4c58-8029-b9ad8fa6bca7_6)<br>| 6  |
| &nbsp;&nbsp;&nbsp; [Annual Portfolio Operating Expenses](#xx_53ec475a-dd12-4c58-8029-b9ad8fa6bca7_9) | 9  |
| [Risks of the Policy](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_1) | 10  |
| [Northwestern Mutual](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_2) | 11  |
| [The Separate Account](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_3) | 12  |
| [The Funds](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_3) | 12  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Restrictions on the Government Money Market](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_4)<br> [Division](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_4)<br>| 13  |
| &nbsp;&nbsp;&nbsp; [Payments We Receive](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_4) | 13  |
| &nbsp;&nbsp;&nbsp; [The Fixed Option (NM Strength and Stability](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_5)<br> [Account)](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_5)<br>| 14  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Restrictions on Amounts in the SAS Account and](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_5)<br> [Government Money Market Division](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_5)<br>| 14  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [If Your Death Benefit Guarantee is Active](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_5) | 14  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [If Your Death Benefit Guarantee is Not Active](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_6) | 15  |
| [Information About the Policy](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_8) | 17  |
| &nbsp;&nbsp;&nbsp; [Purchasing a Policy](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_8) | 17  |
| &nbsp;&nbsp;&nbsp; [Specified Amount](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_8) | 17  |
| &nbsp;&nbsp;&nbsp; [When Insurance Coverage Takes Effect](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_8) | 17  |
| &nbsp;&nbsp;&nbsp; [Right to Return Policy](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_9) | 18  |
| &nbsp;&nbsp;&nbsp; [Ownership Rights](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_9) | 18  |
| &nbsp;&nbsp;&nbsp; [Modifying the Policy](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_9) | 18  |
| &nbsp;&nbsp;&nbsp; [Premium Payments](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_9) | 18  |
| &nbsp;&nbsp;&nbsp; [Allocating Premiums](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_10) | 19  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Initial Allocation Date](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_11) | 20  |
| &nbsp;&nbsp;&nbsp; [Determination of Values](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_12) | 21  |
| &nbsp;&nbsp;&nbsp; [Death Benefit](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_12) | 21  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Life Insurance Benefit](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_12) | 21  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Death Benefit Options](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_13) | 22  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Minimum Death Benefit](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_13) | 22  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Guideline Premium/Cash Value—Corridor Test](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_14)<br> [Multiples](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_14)<br>| 23  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Changing Death Benefit Options](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_14) | 23  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Death Benefit Guarantee](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_14) | 23  |
| &nbsp;&nbsp;&nbsp; [Other Benefits Available Under the Policy](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_15) | 24  |
| &nbsp;&nbsp;&nbsp; [Optional Benefits Available for a Charge](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_17) | 26  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Selected Monthly Premium Benefit](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_17) | 26  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Additional Purchase Benefit](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_18) | 27  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Death Benefit Guarantee](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_18) | 27  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Termination of Death Benefit Guarantee For](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_19)<br> [Failure to Meet the Death Benefit Guarantee](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_19)<br> [Test](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_19)<br>| 28  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Death Benefit Guarantee Premium Suspension](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_19) | 28  |

---

---

| | |
|:---|:---|
|  | **Page** |
| &nbsp;&nbsp;&nbsp; [Standard Benefits Available At No Charge](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_20) | 29  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Income Plans](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_20) | 29  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Exchange for a Fixed Benefit Policy](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_21) | 30  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Paid-up Insurance](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_21) | 30  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Dollar-Cost Averaging](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_22) | 31  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Portfolio Rebalancing](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_22) | 31  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Asset Allocation Models](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_23) | 32  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Terminal Illness Benefit](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_23) | 32  |
| &nbsp;&nbsp;&nbsp; [Surrender and Withdrawals](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_26) | 35  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Surrender](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_26) | 35  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Withdrawals](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_26) | 35  |
| &nbsp;&nbsp;&nbsp; [Policy Loans](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_27) | 36  |
| &nbsp;&nbsp;&nbsp; [Termination and Reinstatement](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_28) | 37  |
| &nbsp;&nbsp;&nbsp; [Other Policy Transactions](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_29) | 38  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Transfers](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_29) | 38  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Short-Term and Excessive Trading](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_29) | 38  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Substitution of Portfolio Shares and Other](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_30)<br> [Changes](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_30)<br>| 39  |
| &nbsp;&nbsp;&nbsp; [Charges and Deductions](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_31) | 40  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Premium Expense Charges](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_31) | 40  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Monthly Policy Charges and Service Charges](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_31) | 40  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Expenses of the Portfolios](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_32) | 41  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Commissions Paid to Financial](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_32)<br> [Representatives](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_32)<br>| 41  |
| &nbsp;&nbsp;&nbsp; [Other Policy Provisions](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_33) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Naming a Beneficiary](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_33) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Incontestability](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_33) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Suicide](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_33) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Misstatement of Age or Sex](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_33) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Collateral Assignment](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_33) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Deferral of Determination and Payment](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_33) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Dividends](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_34) | 43  |
| &nbsp;&nbsp;&nbsp; [Voting Rights](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_34) | 43  |
| &nbsp;&nbsp;&nbsp; [Reports and Financial Statements](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_34) | 43  |
| &nbsp;&nbsp;&nbsp; [Householding](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_35) | 44  |
| &nbsp;&nbsp;&nbsp; [Abandoned Property Requirements](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_35) | 44  |
| &nbsp;&nbsp;&nbsp; [Legal Proceedings](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_35) | 44  |
| &nbsp;&nbsp;&nbsp; [Speculative Investing](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_35) | 44  |
| &nbsp;&nbsp;&nbsp; [Owner Inquiries](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_35) | 44  |
| &nbsp;&nbsp;&nbsp; [Illustrations](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_36) | 45  |
| [Tax Considerations](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_36) | 45  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [General](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_36) | 45  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Life Insurance Qualification](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_36) | 45  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Tax Treatment of Life Insurance](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_37) | 46  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Modified Endowment Contracts (MEC)](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_38) | 47  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Estate Tax and Generation Skipping Transfer](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_39)<br> [Taxes](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_39)<br>| 48  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Business-Owned Life Insurance](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_39) | 48  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Split Dollar Arrangements](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_40) | 49  |

---

------

**Table of Contents**

---

| | |
|:---|:---|
|  | **Page** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Valuation of Life Insurance](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_40) | 49  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Other Tax Considerations](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_40) | 49  |
| [Distribution of the Policy](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_40) | 49  |
| [Glossary of Terms](#xx_10a4101d-2bc8-4350-b180-0238ab6a1175_41) | 50  |
| &nbsp;&nbsp;&nbsp; [Appendix A—Portfolios Available under](#xx_66a6d86f-1123-485e-a6f4-2342578f2e88_1)<br> [Your Policy](#xx_66a6d86f-1123-485e-a6f4-2342578f2e88_1)<br>| 54  |

---

---

| | |
|:---|:---|
|  | **Page** |
| [Appendix B—State Variations](#xx_cf16b312-9dbf-442a-88be-077940e910b4_1) | 59  |
| [Additional Information](#xx_1be0be0e-0b79-40d1-82e0-cbd33dbffe99_1) | 63 |

---

------

Important Information You Should Consider About the Policy

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Cross-Reference(s)** <br> **to Location in** <br> [**Prospectus**](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|
| **Charges for Early** <br> **Withdrawals**<br>| &nbsp;&nbsp; If you surrender your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (or if you change your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to [Paid-up](#bookmark_paidup_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).<br>For example, if you surrender your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and your total [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (or if you change your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to [Paid-up](#bookmark_paidup_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).<br>For example, if you surrender your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and your total [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (or if you change your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to [Paid-up](#bookmark_paidup_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).<br>For example, if you surrender your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and your total [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), changes to your [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> option or [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), changes to your [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> option or [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), changes to your [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> option or [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) available under your <br> [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), the range for which is shown in the following table: | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) available under your <br> [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), the range for which is shown in the following table: | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) available under your <br> [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) company<br> fees and expenses)<br>| &nbsp;&nbsp; [To be <br> updated by <br> amendment]<br>| &nbsp;&nbsp; [To be <br> updated by <br> amendment]<br>| &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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) assets. | \* As a percentage of [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) assets. | \* As a percentage of [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), including loss of principal. | You can lose money by investing in the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), including loss of principal. | You can lose money by investing in the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> and the value of your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; The [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> and the value of your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; The [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> and the value of your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; Risks of the Policy <br> for Long-Term <br> Protection<br>|

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**Variable Universal Life Plus Prospectus**

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| | | |
|:---|:---|:---|
|  | **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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)) available under the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). Each [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is subject to the risks related to [Northwestern Mutual](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), <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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Mutual](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). More information about [Northwestern Mutual](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **Lapse** | &nbsp;&nbsp; Insufficient premium payments, poor investment results, withdrawals, unpaid <br> loans, or loan interest may cause your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) subject to certain conditions described <br> in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), including the payment of the minimum payment amount, <br> required to keep the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in force.  | &nbsp;&nbsp; Risks of the Policy <br> –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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and the <br> [Policy's](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) fixed option, the [NM Strength and Stability Account](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (the "[SAS](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Account](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)"), are subject to certain restrictions. We do not permit transfers from <br> the [SAS Account](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Transfers from the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) must be in amounts greater than or equal to 1% of <br> assets in the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), may be subject to charges, and are subject to the <br> [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 's short-term and excessive trading policies. These short-term and <br> excessive trading policies may trigger additional restrictions on your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). <br> Currently, there is no charge when you transfer [Contract Fund Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) among <br> [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and to the [SAS Account](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). However, we reserve the right to charge $25 <br> for each transfer. You may invest in up to 30 [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) at a time.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Under certain circumstances [Northwestern Mutual](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) reserves the right to <br> remove a [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) or substitute another [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) or mutual fund for such <br> [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).  | &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**

------

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| | | |
|:---|:---|:---|
|  | **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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). There is no <br> additional tax benefit if the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is purchased through a tax-qualified plan or <br> individual retirement account (IRA). Withdrawals will generally be subject to <br> ordinary income tax, and may be subject to tax penalties. | Tax Considerations |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; The [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is sold exclusively through financial representatives of [Northwestern](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Mutual's](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) affiliated broker-dealer, who are compensated with a commission <br> based on a percentage of premium, and [Northwestern Mutual](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may share <br> revenue it earns on the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) with its affiliated broker-dealer. These financial <br> representatives may have a financial incentive to offer or recommend the <br> [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) rather than continue to own the existing <br> policy. | None |

---

Overview of the Policy

**<u>What is the</u>** [**<u>Policy</u>**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**<u>, and what is it designed to do?</u>**

The [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and/or a fixed account option. The [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), upon the death of the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), we will pay the [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to your beneficiary based on one of three death benefit options available under the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). Subject to certain limitations, you can change the [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)option you selected. (See "[Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)– Changing [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Options" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for more information.)

**<u>How are</u>** [**<u>Premium Payments</u>**](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **<u>treated under the</u>** [**<u>Policy</u>**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**<u>?</u>**

As described in more detail in the "Information About the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)" section of the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), when you apply for the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) you must make a minimum initial [Premium Payment](#bookmark_premiumpayment_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to put your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in force. No insurance will take effect until the minimum initial [Premium Payment](#bookmark_premiumpayment_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is made. The minimum initial [Premium Payment](#bookmark_premiumpayment_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is based on the [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), underwriting classification and sex of the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), the [Initial Specified Amount](#bookmark_initialspecifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), any optional benefits and, if applicable, the [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). For certain [Death Benefit Guarantee Periods](#bookmark_deathbenefitguaranteeperiod_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), a minimum [Premium Payment](#bookmark_premiumpayment_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is required to be paid in the first [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

After the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is issued, you must make sufficient [Premium Payments](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to keep the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in force. There is no required schedule or amount of [Premium Payments](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) but the investment results of the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and the [SAS Account](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to which your [Net Premium(s)](#bookmark_netpremiums_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)is allocated will affect the [Premium Payments](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) you are required to make to keep your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in force. If you elect the [Death](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)[Benefit Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) will generally not lapse regardless of the investment performance of the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is received in [Good Order](#bookmark_goodorder_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) at our [Home Office](#bookmark_homeoffice_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) after the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), is allocated among the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and the [SAS Account](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), according to your current payment allocation instructions. Depending on the state in which we issue the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), we may hold your initial [Net Premium](#bookmark_netpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in the Government Money Market [Division](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) until the later of the day after your right to return the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)expires and the day we receive notice of delivery of your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

**Variable Universal Life Plus Prospectus**

------

Investments in the [Policy's](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)[Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) are held in the [Separate Account](#bookmark_separateaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) which is an account separate from our [General Account](#bookmark_generalaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)assets. We have established a segment within the [Separate Account](#bookmark_separateaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to receive and invest [Net Premium(s)](#bookmark_netpremiums_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). Currently, the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) segment is divided into 59 [Separate Account](#bookmark_separateaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)[Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). Each [Division](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) purchases shares in a corresponding [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). **Information about each corresponding** [**Portfolio**](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **is provided at the back of this document. See APPENDIX A:** [**Portfolios**](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **Available under Your** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**.**

[Net Premium](#bookmark_netpremiums_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) applied and amounts transferred to the [SAS Account](#bookmark_sasaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) accrue interest daily at an effective annual rate [Northwestern](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)[Mutual](#bookmark_northwesternmutual_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) determines without regard to the investment experience of the [General Account](#bookmark_generalaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). The [SAS Account](#bookmark_sasaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)[Stability Account](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd))" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).)

Payment of insufficient premiums may result in the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) terminating or lapsing, subject to the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)explained below (if applicable).

**Q. What are the primary features and options that the Variable Universal Life Plus** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **offers?**

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

**Choice of** [**Death Benefit**](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **Options.** You may choose among three [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) options, a death benefit based on the [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (Option A), on the [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) plus [Policy Value](#bookmark_policyvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (Option B) or on the [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) plus cumulative premiums paid (less any cumulative withdrawals)(Option C). In addition to the three [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)options, there is also a [Minimum Death Benefit](#bookmark_minimumdeathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) that may be applied. See the ["Death Benefit"](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) section in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)for more information.

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

**Surrenders and Withdrawals.** You may surrender your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), and we will pay you its [Cash Surrender Value](#bookmark_cashsurrendervalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) ([Policy](#bookmark_policyvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)Value less any [Policy Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and any surrender charge). You may also withdraw a part of the [Policy Value](#bookmark_policyvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). A withdrawal reduces the [Policy Value](#bookmark_policyvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), may reduce the [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) of the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and therefore the [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), may impact the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), and may increase the risk that the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) that when added to existing [Policy Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) does not exceed the [Loan Value](#bookmark_loanvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) of the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). The [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) secures the loan. Taking a loan will reduce [Cash Surrender Value](#bookmark_cashsurrendervalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and the [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), may impact the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), may have adverse tax consequences and will increase the risk that your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)may terminate or lapse.

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

**Transfers.** Generally, you may transfer [Contract Fund Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) among up to 30 [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and the [SAS Account](#bookmark_sasaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), subject to certain restrictions on transfers to the Government Money Market [Division](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and the [SAS Account](#bookmark_sasaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). We also offer four asset allocation models and two automated transfer programs: dollar cost averaging and [portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) rebalancing.

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

[**Death Benefit Guarantee**](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**.** During a defined period elected at issue, your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) will not terminate or lapse, even if the [Cash Surrender Value](#bookmark_cashsurrendervalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is not enough to pay [Monthly Policy Charges](#bookmark_monthlypolicycharges_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), as long as you have made specified minimum [Premium Payments](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). However, even if specified minimum [Premium Payments](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) have been made, [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) loans and withdrawals could cause the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) earnings until you surrender or withdraw [Policy Value](#bookmark_policyvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) from your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). An additional charge may apply if you elect an additional benefit. The additional benefits available with this [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) are listed in the "Other Benefits Available under the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)" section of the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) the Selected Monthly Premium Benefit if the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to purchase additional life insurance policies on the life of the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)– Allows you to select a [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) during which the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is guaranteed not to terminate due to insufficient value in your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)

&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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) until your next [Policy Anniversary](#bookmark_policyanniversary_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● [**Income Plans**](#bookmark_incomeplan_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)– In lieu of a lump sum payment, the [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)– Allows you to exchange your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for a life insurance policy with benefits that do not vary with the investment experience of the underlying [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)

**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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **Insurance** – Under certain conditions allows the [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to change the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) into the other [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **Rebalancing** – Automatically rebalances the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) you select (either monthly, quarterly, semi-annually or annually) to maintain your chosen allocations among the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)

&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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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>

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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**. Please refer to your** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**, make premium payments, surrender the** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**, make withdrawals, transfer assets among investment options, or make certain changes to the** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**.** 

---

| | | | |
|:---|:---|:---|:---|
| **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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Payment](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; No maximum — Charges <br> may increase to reflect <br> actual costs | 2.00% of [Premium Payment](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) |
| **Federal Deferred** <br> **Acquisition Cost Charge**<sup>1</sup><br>| &nbsp;&nbsp; Upon each [Premium](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Payment](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; No maximum — Charges <br> may increase to reflect <br> actual costs | 0.55% of [Premium Payment](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) |
| **Sales Load** | &nbsp;&nbsp; Upon each [Premium](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Payment](#bookmark_premiumpayments_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| Same as current charge | &nbsp;&nbsp; 6.95% of premium up to [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<sup>2</sup> and <br> 5.60% of premium in excess of [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in <br> [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 1-10; 3.95% of premium up to [Target](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and 5.60% of premium in excess of [Target](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|  |  |
| ***Maximum Charge***<sup>4</sup> |  | Same as current charge | &nbsp;&nbsp; 50% in [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 1-5 of the [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), <br> grading down monthly in [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 6-10 to 0%<br>|
| ***Minimum Charge***<sup>5</sup> |  | Same as current charge | &nbsp;&nbsp; 13% in [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 1-5 of the [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), <br> grading down monthly in [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 1-5 of the [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), <br> grading down monthly in [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) option<br>| $25.00 | Currently waived |

---

**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** |
| **Change in Specified** <br> **Amount Fee**<sup>6</sup><br>| &nbsp;&nbsp; Upon change in [Specified](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; $25.00 per change after <br> first change in a [Policy](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; $25.00 per illustration for <br> each additional <br> illustration in a [Policy](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is a hypothetical annual premium which is based on the [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) option, [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), any optional benefits, and characteristics of the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), such as factors including but not limited to [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), sex, and underwriting classification. Please see "[Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)" in the Glossary of Terms.

<sup>3</sup>

The initial surrender charge percentage varies by [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and remains level between [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) one through five, and declines monthly in [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) six through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) would pay. For more information on the surrender charge, see "Charges and Deductions – [Monthly Policy Charges](#bookmark_monthlypolicycharges_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and Service Charges" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). Your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) schedule pages will indicate the maximum charge under your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

<sup>4</sup>

The maximum Surrender Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristic: [Issue Ages](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 0-54.

<sup>5</sup>

The minimum Surrender Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristic: [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 75.

<sup>6</sup>

Fees and charges are deducted from [Contract Fund Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (see "Glossary of Terms").

<sup>7</sup>

An illustration of the [Policy's](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) future benefits and values is provided once a [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to serve the same purpose.

Periodic Charges (Other than [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **other than the operating expenses for the** [**Portfolios**](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**. Certain charges applicable to your** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **depend on your** [**Policy Year**](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**. Please see** [**"Policy Year"**](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **in the Glossary of Terms to help you understand how they will affect the charges applicable to your** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**.** 

---

| | | | |
|:---|:---|:---|:---|
|  |  | **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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> (varies by [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd))<br>| &nbsp;&nbsp; $0.01 (monthly) per $1,000 of net amount at risk in <br> the first [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (varies by [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd))<br>|

---

**Variable Universal Life Plus Prospectus**

------

---

| | | | |
|:---|:---|:---|:---|
|  |  | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge is Deducted** | &nbsp;&nbsp; **Guaranteed Maximum** <br> **Charge**<br>| **Current Charge** |
| **Percent of Contract Fund** <br> **Value Charge**<sup>6</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; All [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd): 0.60% <br> annually (0.05% monthly <br> rate) of [Contract Fund](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; All amounts in the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd): 0.00% annually (0.00% <br> monthly rate) of [Contract Fund Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>[SAS Account](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd): 0.23% annually (0.019% monthly rate) <br> of [Contract Fund Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|
| **Administrative Charge** | &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> during the first ten [Policy](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|  |  |
| ***Maximum Charge***<sup>9</sup> |  | Same as current charge | &nbsp;&nbsp; 1.375% (monthly) of [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) during [Policy](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 1-10<br>|
| ***Minimum Charge***<sup>10</sup> |  | Same as current charge | &nbsp;&nbsp; 1.021% (monthly) of [Target Premium](#bookmark_tar_getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) during [Policy](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) during [Policy](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 1-10<br>|
| **Death Benefit Guarantee** <br> **Charge**<br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> when the [Death Benefit](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is in force<br>| &nbsp;&nbsp; $0.02 per $1,000 of <br> [Guaranteed Minimum](#bookmark_guaranteedminimumdeathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Death Benefit](#bookmark_guaranteedminimumdeathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; $0.01 per $1,000 of [Guaranteed Minimum Death](#bookmark_guaranteedminimumdeathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Benefit](#bookmark_guaranteedminimumdeathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|
| **Policy Debt Expense** <br> **Charge**<sup>11</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> when there is [Policy Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; All [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 2.00% <br> annually (0.17% monthly <br> rate) of [Policy Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; 0.71% annually (0.0592% monthly rate) of [Policy](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 1-20<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> 0.21% annually (0.0175% monthly rate) of [Policy](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for [Policy Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 21 and above<br>|
| **Underwriting and Issue** <br> **Charge**<sup>12</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> during the first ten [Policy](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Years](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|  |  |
| ***Maximum Charge***<sup>13</sup> |  | Same as current charge | &nbsp;&nbsp; $0.026 (monthly) per $1,000 of [Initial Specified](#bookmark_initialspecifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Amount](#bookmark_initialspecifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|
| ***Minimum Charge***<sup>14</sup> |  | Same as current charge | &nbsp;&nbsp; $0.005 (monthly) per $1,000 of [Initial Specified](#bookmark_initialspecifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Amount](#bookmark_initialspecifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Amount](#bookmark_initialspecifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|
| **Selected Monthly** <br> **Premium Benefit** <br> **Charge**<sup>15</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|  |  |
| ***Maximum Charge***<sup>16</sup> |  | &nbsp;&nbsp; The greater of $0.09 <br> (monthly) per $1.00 of <br> [Selected Monthly](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), or $0.14 <br> (monthly) per $1.00 of <br> [Specified Monthly](#bookmark_specifiedmonthlycharges_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Charges](#bookmark_specifiedmonthlycharges_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; The greater of $0.02 (monthly) per $1.00 of [Selected](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Monthly Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), or $0.03 (monthly) per $1.00 of <br> [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|
| ***Minimum Charge***<sup>17</sup> |  | &nbsp;&nbsp; $0.003 (monthly) per <br> $1.00 of [Selected](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Monthly Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; $0.001 (monthly) per $1.00 of [Selected Monthly](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|

---

**Variable Universal Life Plus Prospectus**

------

---

| | | | |
|:---|:---|:---|:---|
|  |  | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge is Deducted** | &nbsp;&nbsp; **Guaranteed Maximum** <br> **Charge**<br>| **Current Charge** |
| ***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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; $0.0009 (monthly) per $1.00 of [Selected Monthly](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>|
| **Additional Purchase** <br> **Benefit Charge**<sup>18</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), such as factors including but not limited to: [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)underwriting classification, [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), sex, underwriting amount, [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), [Target Premium](#bookmark_tar-getpremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), [Policy Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), and [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (see "Charges and Deductions—[Monthly Policy Charges](#bookmark_monthlypolicycharge_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and Service Charges" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for more details regarding each charge). Charges may be different if your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)is ["Paid-up"](#bookmark_paidup_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (see "Other Benefits Available Under the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)— Paid Up Insurance" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)). Therefore, the charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may pay. Your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) schedule pages will indicate the Guaranteed Maximum Charge for each periodic charge under your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for personalized information, including the particular charges applicable to your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). (See "Illustrations" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)). Unless otherwise noted, the charges in the table represent the monthly rate. Please see ["Policy Anniversary"](#bookmark_policyanniversary_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and ["Policy Date"](#bookmark_policydate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in the Glossary of Terms to help you understand how they will affect the charges applicable to your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

<sup>2</sup>

The Cost of Insurance Charge will vary based on factors including but not limited to the [Insured's](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)[Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), sex, underwriting classification, underwriting amount, and [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). The Cost of Insurance Charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may pay. The net amount at risk is the difference between the [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and the [Policy Value](#bookmark_policyvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

<sup>3</sup>

The Maximum Charge for the Cost of Insurance Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristic: [Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 120. Charges applicable to other combinations of [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is in the first [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), and that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: Female, [Issue Ages](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristic: Female, [Issue Ages](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) characteristics may be the same as the charge shown for the Minimum Charge for the Cost of Insurance Charge.

<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)). The net amount at risk is the difference between the [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) (or the [Guaranteed Minimum Death Benefit](#bookmark_guaranteedminimumdeathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) if the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is in force under the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)) and the [Policy Value](#bookmark_policyvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). Generally, the cost of insurance rate will increase each [Policy Year](#bookmark_policyyear_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

<sup>6</sup>

For purposes of this charge, the [Contract Fund Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is as of the day previous to a [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) plus investment results and interest credited applicable for that [Monthly Processing Date](#bookmark_monthlyprocessingdate_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). This charge may vary based on the proportionate amount of [Contract Fund Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) in the [NM Strength and](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)Stability Account (see "The Fixed Option" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)) and/or different rates may apply to amounts in the Divisions versus amounts in the [NM Strength](#bookmark_nmstrengthandstabilityaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)and Stability Account.

<sup>7</sup>

The Maximum Charge for the Administrative Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: [Issue Ages](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.

<sup>11</sup>

This charge is deducted from [Contract Fund Value](#bookmark_contractfundvalue_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) when there is [Policy Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Loans" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for more information regarding how the loan interest rate is calculated.

<sup>12</sup>

The current minimum [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is $100,000 for [Issue Ages](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 18-75 and $50,000 for [Issue Ages](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 0-17.

<sup>13</sup>

The Maximum Charge for the Underwriting and Issue Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 25, Class 1 to 9 Non- Tobacco/Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.

**Variable Universal Life Plus Prospectus**

------

<sup>14</sup>

The Minimum Charge for the Underwriting and Issue Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: [Issue Age](#bookmark_issueage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)[Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), underwriting classification, and "Selected Monthly Premium," and may increase from year to year. [Selected Monthly Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is an amount the [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), for the credit of the greater of (1) the [Selected Monthly Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) or (2) the amount needed to provide for the credit of the "[Specified Monthly Charges](#bookmark_specifiedmonthlycharges_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)" (current [Monthly Policy Charges](#bookmark_monthlypolicycharge_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) excluding the Monthly [Policy Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Expense Charge and the charge for this benefit). (See "Other Benefits Available Under the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)—Optional Benefits Available for a Charge" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) or the specified monthly charges rate times the [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). If this optional benefit is selected, the maximum rates are shown in your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

<sup>16</sup>

The Maximum Charge for the Selected Monthly Premium Benefit assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: [Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: [Attained Ages](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 0-17, standard underwriting classification. This assumes the amount of the charge determined by the [Selected Monthly Premium](#bookmark_selectedmonthlypremium_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is greater than the amount of the charge determined by the [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

<sup>18</sup>

The charges for the Additional Purchase Benefit vary based on the [Insured's](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) gender and [Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) at the time the benefit is added to the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). The charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the [Specified Amount](#bookmark_specifiedamount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: Male, Benefit added at [Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: Benefit added at [Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristics: Female, Benefit added at [Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) has the following characteristic: Male or Female, Benefit added at [Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 0.

Annual [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Operating Expenses

**The table below shows the range (minimum and maximum) of total operating expenses charged by the** [**Portfolios**](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **that you may pay periodically during the time you own your** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**. 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **available under your** [**Policy**](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**, including their annual expenses, may be found at the back of this document.** <br>

---

| | | |
|:---|:---|:---|
|  | ***Minimum*** | ***Maximum*** |
| &nbsp;&nbsp;&nbsp;&nbsp; Annual [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Operating Expenses (expenses deducted from [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> assets, including management fees, distribution (12b-1) fees, and other <br> expenses as a percentage of average [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) assets)<br>| &nbsp;&nbsp; [To be updated by amendment] | &nbsp;&nbsp; [To be updated by amendment] |
| **Annual** [**Portfolio**](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **Operating Expenses After Contractual Fee Waiver or** <br> **Reimbursement\***<br>| &nbsp;&nbsp; [To be updated by amendment] | &nbsp;&nbsp; [To be updated by amendment] |

---

\*

The "Annual [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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**

------

Risks of the Policy

**Policy for Long-Term Protection** Your Policy is designed to serve your long-term life insurance protection need. It is not suitable for short-term life insurance protection nor for short-term investing. Surrender charges apply in the first 10 Policy Years and the value of your Policy and Life Insurance Benefit will be reduced if you withdraw money. In addition, short-term investment in the Policy may subject you to income taxes and tax penalties.

**Investment Risk** Policy amounts in the Divisions will fluctuate with the performance of the Portfolios you choose. Amounts you allocate among the Divisions may grow in value, decline in value, or grow less than you expect depending on the investment performance of the corresponding Portfolios. These assets are not guaranteed, and you can lose money. Depending on any Death Benefit Guarantee in effect, you may be required to pay more premiums than originally planned in order to keep the Policy in force.

A comprehensive discussion of the investment objectives and risks of each Portfolio may be found in each Portfolio's prospectus. There is no assurance that any Portfolio will achieve its stated investment objective. The Policy is not designed for frequent or short-term trading.

**Insurance Default Risk** Because certain guarantees under the Policy are guaranteed by the Company's General Account assets, the ability to make good on these guarantees depends on the financial strength and claims-paying ability of the Company. Therefore, guaranteed benefits outside of the Separate Account, including any available fixed options, are subject to the risk of default to the extent the Company is unable to satisfy some or all of these guarantees.

**Policy Lapse** Insufficient Premium Payments, poor investment results, withdrawals, unpaid loans, or loan interest may cause your Policy to lapse, meaning you will no longer have any life insurance coverage. If, on a Monthly Processing Date, the Cash Surrender Value (which takes into account any applicable surrender charge) is not enough to pay the Monthly Policy Charge, your Policy will enter a 61-day grace period, unless the Death Benefit Guarantee is in effect. If your Policy enters a grace period, we will notify you that the Policy will lapse (terminate without value) at the end of the grace period unless you make a sufficient payment. Your Policy may be reinstated within three years (or longer if required by state law) after it has lapsed, subject to certain conditions.

**Policy Loan Risks** A Policy loan, whether or not repaid, will affect the value of your Policy over time because the amounts borrowed do not participate in the investment performance of the Divisions; in addition, a charge is deducted from your Contract Fund Value each month while there is Policy Debt. The Life Insurance Benefit is reduced by the amount of any outstanding Policy Debt. If you surrender the Policy or allow it to lapse while Policy Debt is outstanding, the amount of Policy Debt is extinguished by applying the Policy Value to repay it. If the Policy Debt exceeds the cost basis in the contract, we are required to report the extinguishment to you and the IRS on an IRS Form 1099-R. Policy Debt reduces the Cash Surrender Value and increases the risk that your Policy will lapse.

**Limitations on Access to Your Values** Accessing your Policy's value may have tax consequences. We will deduct a surrender charge if you surrender your Policy in the first ten Policy Years. Even if your Policy has value, it is possible that you will receive no Cash Surrender Value if you surrender the Policy in the first ten Policy Years. You should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of your Policy in the near future. Even if you do not ask to surrender the Policy, surrender charges may play a role in determining whether the Policy will lapse, because surrender charges affect the Cash Surrender Value, which is a measure we use to determine whether your Policy will enter a grace period (and possibly lapse). See "Policy Lapse" above. You may make withdrawals subject to limitations on the amount that may be withdrawn. (See "Withdrawals"). A withdrawal will reduce the Contract Fund Value and Life Insurance Benefit. The minimum amount of a withdrawal is $250. <br>Amounts allocated to the NM Strength and Stability Account cannot be transferred to the Divisions. As a result, you should carefully consider whether this option meets your investment needs.

**Adverse Tax Consequences** Our understanding of the principal tax considerations for the Policy under current tax law is set forth in this Prospectus. A surrender, loan, or withdrawal may have tax consequences. There are areas of some uncertainty under current law, and we do not address the likelihood of future changes in the law or interpretations thereof. Among other risks, your Policy may become a modified endowment contract. A modified endowment contract ("MEC") is a life insurance contract that is taxed less favorably on lifetime distributions than other life insurance contracts because the contract is considered too investment oriented. Generally, a Policy may be classified as a MEC if cumulative premiums paid during a seven-pay period exceed a "seven-pay" limit defined in the Internal Revenue Code ("Code"). Distributions, including loans, from a Policy classified as a MEC are taxable to the extent of the gain in the Policy and may be subject to a 10% penalty tax if taken before the Owner attains age 59½. Moreover, excessive Policy loans could cause a Policy to terminate with insufficient value to pay the tax due upon termination. Death Benefit proceeds may be subject to state and/or inheritance taxes. (See "Tax Considerations.")

------

**Risk of an Increase in Current Fees and Expenses** Certain insurance charges are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the guaranteed maximum levels, based on the Company's emerging experience or future expectations, as determined in its sole discretion, with respect to, but not limited to, mortality, expenses, reinsurance costs, taxes, persistency, capital requirements, reserve requirements, and changes in applicable laws. Although some Funds may have expense limitation agreements, the operating expenses of the Portfolios are not guaranteed and may increase or decrease over time. If fees and expenses are increased, you may need to increase the amount and/or frequency of Premium Payments to keep the Policy in force.

**Cybersecurity and Certain Business Continuity Risks** The Company has administrative, technical and physical safeguards in place with respect to information security, nevertheless, our variable product business is potentially susceptible to operational and information security risks resulting from a cyber-attack as it is highly dependent upon the effective operation of our computer systems and those of our business partners. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service on websites and other operational disruption and unauthorized release of confidential customer information. Cyber-attacks affecting us, the Portfolios, intermediaries and other affiliated or third-party service providers may adversely affect us and your Policy Value. For instance, cyber-attacks may interfere with our processing of contract transactions (including the processing of orders through our website, if available, or with the Portfolios), impact our ability to calculate values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). There can be no assurance that we or the Portfolios or our service providers will avoid losses affecting your Policy due to cyber-attacks or information security breaches in the future.

Other disruptive events, including (but not limited to) natural or man-made disasters and public health crises or pandemics, may also adversely affect our ability to conduct business, including if our employees or the employees of intermediaries or other affiliated or third-party service providers are unable to perform their responsibilities as a result of any such event. Such disruptions to our business operations can interfere with issuance or our processing of transactions (including the processing of orders through our website or with the Portfolios), may interfere with our ability to receive, pickup and process mail and messages, impact our ability to calculate values, or cause other operational or system issues. Furthermore, these disruptions may persist even if our employees or the employees of intermediaries or other affiliate or third-party service providers are able to work remotely. These events may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. There can be no assurance that the Company, the Portfolios or our service providers will avoid losses affecting your Policy due to a disaster or other catastrophe.

**Privacy Risks** Variable life insurance policies face significant privacy risks, including cyberattacks and unauthorized access and use of sensitive personal and financial data, which can lead to identity theft and financial fraud, and other harms. Northwestern Mutual ensures employees receive training on privacy protocols and data minimization practices in addition to other robust data protection measures to mitigate these risks and maintain compliance with applicable privacy laws and regulations.

Northwestern Mutual

The Northwestern Mutual Life Insurance Company is a mutual life insurance company organized by a special act of the Wisconsin Legislature in 1857. It is licensed to conduct a conventional life insurance business in the District of Columbia and in all states of the United States. Its total assets were over [To be updated by amendment] as of December 31, 2025. The Home Office of Northwestern Mutual is located at 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202.

General Account assets are used to guarantee the payment of certain benefits under the Policy, including death benefits. To the extent that we are required to pay you amounts under these benefits that are in addition to assets in the Separate Account, such amounts will come from General Account assets. Thus, Owners must look to the strength of the Company and its General Account with regard to guarantees under the Policy. The General Account is exposed to the risks normally associated with the operation of a life insurance company, including insurance pricing, asset liability management and interest rate risk, operational risks, and the investment risks of a portfolio of securities that consists largely, though not exclusively, of fixed-income securities. Some of the risks associated with such a portfolio include interest rate, option, liquidity, and credit risk. The financial statements contained in the Statement of Additional Information include a further discussion of risks inherent within the General Account investments. The assets in the General Account are subject to the claims of the Company's general creditors.

**Variable Universal Life Plus Prospectus**

------

The Separate Account

We established the Separate Account by action of our Trustees on March 22, 2006, in accordance with the provisions of Wisconsin insurance law. The Separate Account is registered with the SEC as a unit investment trust under the Investment Company Act of 1940 (the "1940 Act"). We own the assets in the Separate Account and we are obligated to pay all benefits due under the Policy. We may use the Separate Account to support other variable life insurance policies we issue. We have divided the Separate Account into Divisions, each of which invests in shares of one Portfolio of the Funds.

Subject to any applicable limitations, you may allocate the money you invest under your Policy among the Divisions and any available fixed option described elsewhere in this Prospectus. Each Division corresponds to one of the Portfolios of the Funds. Under Wisconsin law, Separate Account assets are held separate from our other assets and are not part of our General Account. Income, gains, and losses, whether or not realized, from assets allocated to the Separate Account will be credited to or charged against the Separate Account without regard to our other income, gains, or losses. Income, gains, and losses credited to, or charged against, a Division reflect that Division's own investment performance and not the investment performance of our other assets. We may not use the Separate Account's assets to pay any of our liabilities other than those arising from the Policies and any other variable life insurance Policies funded by the Separate Account. We may, however, use all of our assets (except those held in certain other separate accounts) to satisfy our obligations under your Policy.

Where permitted by law and subject to any required regulatory approvals or votes by Owners, we reserve the right to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● operate the Separate Account or a Division either as a unit investment trust or a management investment company under the 1940 Act, or in any other form permitted by law, if deemed by the Company to be in the best interest of Owners;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● invest current and future assets of a Division in securities of another Portfolio as a substitute for shares of a Portfolio (or another share class of an existing Portfolio) already purchased or to be purchased;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● register or deregister the Separate Account under the 1940 Act or change its classification under that Act;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● create new separate accounts;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● combine the Separate Account with any other separate account;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● transfer cash from time to time between the General Account and the Separate Account as deemed necessary or appropriate and consistent with the terms of the Policy, including but not limited to transfers for the deduction of charges and in support of payment options;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● on behalf of the Company, transfer assets of the Separate Account in excess of reserve requirements (only for accrued fees and charges or any seed capital) applicable to the Policies supported by the Separate Account to the General Account (assets remaining in the Separate Account necessary to fulfill its obligations under the Policy are not subject to claims against or losses in the General Account);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● transfer the assets and liabilities of the Separate Account to another separate account;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● add, delete or make changes to the securities and other assets held or purchased by the Separate Account;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● terminate and/or liquidate the Separate Account;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● restrict or eliminate any voting rights of Owners or other persons having voting rights as to the Separate Account; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● make any changes to the Separate Account to conform with, or required by any change in, federal tax law, the 1940 Act and regulations promulgated thereunder, or any other applicable federal or state laws.

In the event that we take any of these actions, we may make an appropriate endorsement of your Policy and take other actions necessary to comply with applicable law.

The Funds

A variety of investment options are made available under the Policy for allocation. However, the Company does not endorse or recommend any particular option, nor does it provide investment advice. You are responsible for choosing your investment options and should make your choices based on your individual situation and risk tolerances. After making your initial allocation decisions, you should monitor your allocations and periodically review the options you select and the amounts allocated to each to ensure your selections continue to be appropriate. The amounts you invest in a particular Division are not guaranteed and,

**Variable Universal Life Plus Prospectus**

------

because both principal and any return on the investment are subject to market risk, you can lose money. The amounts invested in any fixed option (see "The Fixed Option" below) can earn interest for specified periods at rates we declare; the principal and interest rate for fixed amounts are guaranteed by the Company and are subject to the claims-paying ability of the Company.

The assets of each Division are invested in a corresponding Portfolio that is a series of one of the following mutual funds: Northwestern Mutual Series Fund, Inc.; American Funds Insurance Series<sup>®</sup>; BlackRock Variable Series Funds; Columbia Funds Variable Insurance Trust; Credit Suisse Trust; Fidelity<sup>®</sup> Variable Insurance Products; John Hancock Variable Insurance Trust; Neuberger Berman Advisers Management Trust; and Russell Investment Funds. The Separate Account buys shares of the Portfolios at their respective net asset values without sales charge. The Portfolios are available for investment only by separate accounts supporting variable insurance products and are not publicly traded. Their performance can differ substantially from publicly traded mutual funds with similar names. The specific Portfolios available under your Policy may change from time to time, and not all Portfolios in which assets of the Separate Account are invested may be available under your Policy. Your ability to invest in a Portfolio may be affected by the actions of such Portfolio, such as when a Portfolio closes.

**There is no assurance that any of the Portfolios will achieve its stated objective(s).** You can find more detailed information about the Portfolios, including its (i) name, (ii) investment objective(s), (iii) investment adviser, (iv) current expenses, and (v) performance, in Appendix A to this Prospectus. Each Portfolio has a prospectus that contains more detailed information about the Portfolio. Read the prospectuses for the Portfolios carefully before investing. You can find these documents online at www.nmprospectus.com, by calling (866) 464-3800 or by sending an email request to vavldocrequest@northwesternmutual.com. Note: A summary prospectus for a Portfolio contains information on its first page about how to obtain a copy of the full Portfolio statutory prospectus. You can also visit www.nmprospectus.com to obtain these documents.

Restrictions on the Government Money Market Division

In addition to any short-term trading or transfer restrictions, after the Initial Allocation Date (see "Allocating Premiums"), there are certain restrictions on investments in the Government Money Market Division that work in conjunction with amounts allocated to the NM Strength & Stability Account fixed option if your Death Benefit guarantee is in effect. (Please see "Restrictions on Amounts in the SAS Account and Government Money Market Division" below.)

Payments We Receive

The Policy makes available both proprietary and non-proprietary Portfolios. The Series Fund is a proprietary Fund that has been included in part because it is managed by a subsidiary of the Company. For non-proprietary Portfolios offered through this Policy, we consider during the selection process whether a Portfolio's investment adviser or an affiliate will make payments to us or our affiliates. Other factors we consider during the selection process include asset class coverage, management style, sector coverage, the strength of the investment adviser's or sub-adviser's reputation and tenure, brand recognition, performance, and the capability and qualification of each investment firm. We review the Portfolios periodically and may remove a Portfolio or limit its availability to new premiums and/or transfers if we determine that the Portfolio no longer meets one or more of the selection criteria, and/or if the Portfolio has not attracted significant allocations from Owners.

***We do not provide any investment advice and do not recommend or endorse any particular Portfolio. You bear the risk of any decline in the assets allocated to the Divisions resulting from the performance of the Portfolios you have chosen.***

Owners, through their indirect investment in the Portfolios, bear the costs of the investment advisory or management fees that the Portfolios pay to their respective investment advisors (see the Portfolios' prospectuses for more information). As described above, an investment adviser of a Portfolio, or its affiliates, may make payments to the Company and/or certain of our affiliates. However, the amount of such payments is not determinative as to whether a Portfolio is available through the Policy. These payments may be derived, in whole or in part, from the advisory fee deducted from Portfolio assets. The amount of the compensation is based on a percentage of assets of the Portfolios attributable to the Policies and certain other variable insurance products that the Company issues. The percentages differ and some investment advisers (or other affiliates) may pay more than others. The percentages currently range up to 0.25%. These payments are made for various purposes, including payment of services incurred by the Company and/or its affiliates in promoting and marketing the Policies and Portfolios. The Company and its affiliates may profit from these payments.

While not currently the case, certain Portfolios available under the Policy may adopt a Distribution (and/or Shareholder Servicing) Plan under Rule 12b-1 of the 1940 Act, which is described in more detail in the Portfolios' prospectuses. The payments, which may be up to 0.25%, would be deducted from assets of the Portfolios and are paid to our distributor, Northwestern Mutual Investment Services, LLC. These payments would decrease such Portfolio's investment return. We would also consider the receipt of these payments generally to be a positive factor when selecting Portfolios.

**Variable Universal Life Plus Prospectus**

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Additionally, an investment adviser or sub-adviser of a Portfolio (or of an underlying fund in which a Portfolio invests) or its affiliates may provide the Company with wholesaling services that assist in the distribution of the Policies and may pay the Company and/or certain of our affiliates amounts to participate in sales meetings. These amounts may be significant and may provide the investment adviser or sub-adviser (or their affiliate) with increased access to persons involved in the distribution of the Policies.

The Fixed Option (NM Strength and Stability Account)

The Policy allows you to allocate money to a fixed interest crediting option (the "NM Strength and Stability Account" or "SAS Account") subject to certain restrictions as discussed below. The principal and interest credited to amounts in the SAS Account are guaranteed by the Company and are subject to the claims-paying ability of the Company. The effective date of a transfer or allocation to the SAS Account is determined in the same manner that the effective date for an investment in the Divisions of the Separate Account is determined (i.e., as of a Valuation Date). **Please note that amounts in the SAS Account may not be transferred from the SAS Account to the Divisions. You should carefully consider whether the SAS Account is suitable for you in light of your investment objectives and liquidity needs. You should consult your Financial Representative.**

The Company guarantees that amounts transferred or applied to the SAS Account will accrue interest daily at an effective annual rate the Company determines without regard to the investment experience of the General Account. The SAS Account represents the sum total 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 or higher than the Tier Two balance. Net Premiums, loan repayments, withdrawals, and transfers of amounts from the Divisions to the SAS Account that are allocated to the SAS Account are first applied to the Tier Two balance. Any Policy dividend directed to increase Contract Fund Value is applied directly to the Tier One balance (see "Other Policy Provisions – Dividends"). In addition, on the Policy Date and subsequent Monthly Processing Dates, the Company may transfer amounts from the Tier Two balance to the Tier One balance up to a specified percentage of the Tier Two balance determined by the Company. At no time will the annual effective interest rates be less than the guaranteed minimum annual effective interest rate of 1.50% for the Tier One balance and 1.25% for the Tier Two balance. For information about current declared annual effective interest rates in excess of the guaranteed minimums please contact your Financial Representative.

Interests in the SAS Account are not registered under the Securities Act of 1933 and the general account has not been registered as an investment company under the Investment Company Act of 1940. Accordingly, neither the general account nor any interests therein are subject to the provisions of those Acts. The disclosure regarding the SAS Account, however, is subject to certain generally-applicable provisions of the federal securities laws relating to accuracy and completeness of statements made in this Prospectus.

Restrictions on Amounts in the SAS Account and Government Money Market Division

In addition to any short-term trading or transfer restrictions, (see "Transfers" and "Short-Term and Excessive Trading," respectively), if available under your Policy, there are restrictions on the timing and amounts that can be allocated or transferred to the SAS Account and the Government Money Market Division depending on whether you have an active Death Benefit Guarantee (see "Death Benefit Guarantee"). Special considerations may apply to these restrictions if you have elected the Dollar-Cost Averaging feature (see "Standard Benefits Available at No Charge – Dollar-Cost Averaging" for more information).

**If Your Death Benefit Guarantee is Active.** After the Initial Allocation Date (see "Allocating Premiums), there are limits on the timing and amounts that can be allocated as premium payments or transferred by the Owner to the SAS Account and/or the Government Money Market Division when the Death Benefit Guarantee is active. While the following may not be representative of the precise restrictions applicable to your Policy, the current restrictions for a representative policy include any or all of the following, separately or in combination:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Limits on Amounts.** No amount may be allocated or transferred into the SAS Account and/or the Government Money Market Division if such allocation or transfer would cause the sum of the amounts in the SAS Account and the

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Government Money Market Division to exceed the limits described in the Policy. For a representative insured (Issue age 35) those percentages are (please see the "Table of Policy Value Percentage Limits" in your Policy schedule pages for your exact limits):

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| | |
|:---|:---|
| **Policy Year** | **Limit %** |
| 1 | &nbsp;&nbsp; 5% |
| 2 | &nbsp;&nbsp; 5% |
| 3 | &nbsp;&nbsp; 5% |
| 4 | &nbsp;&nbsp; 5% |
| 5 | &nbsp;&nbsp; 5% |
| 6 | &nbsp;&nbsp; 6% |
| 7 | &nbsp;&nbsp; 7% |
| 8 | &nbsp;&nbsp; 8% |
| 9 | &nbsp;&nbsp; 9% |
| 10 | &nbsp;&nbsp; 10% |
| 11 | &nbsp;&nbsp; 11% |
| 12 | &nbsp;&nbsp; 12% |
| 13 | &nbsp;&nbsp; 14% |
| 14 | &nbsp;&nbsp; 16% |
| 15 | &nbsp;&nbsp; 18% |
| 16 | &nbsp;&nbsp; 20% |

---

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

---

| | |
|:---|:---|
| **Policy Year** | **Limit %** |
| 17 | &nbsp;&nbsp; 22% |
| 18 | &nbsp;&nbsp; 24% |
| 19 | &nbsp;&nbsp; 26% |
| 20 | &nbsp;&nbsp; 28% |
| 21 | &nbsp;&nbsp; 30% |
| 22 | &nbsp;&nbsp; 32% |
| 23 | &nbsp;&nbsp; 34% |
| 24 | &nbsp;&nbsp; 36% |
| 25 | &nbsp;&nbsp; 38% |
| 26 | &nbsp;&nbsp; 40% |
| 27 | &nbsp;&nbsp; 42% |
| 28 | &nbsp;&nbsp; 44% |
| 29 | &nbsp;&nbsp; 46% |
| 30 | &nbsp;&nbsp; 48% |
| 31+ | &nbsp;&nbsp; 50% |

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Limit on Net Premiums.** No Net Premium may be allocated to the SAS Account and/or the Government Money Market Division if such allocation would cause the sum of the Net Premiums allocated to the SAS Account and the Government Money Market Division to exceed the limit described in your Policy schedule pages, currently 50% of Net Premiums paid under the Policy;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Limit on Transfers.** No transfer may be made to the SAS Account and/or the Government Money Market Division in a Policy Year if such transfer would cause the sum of the amounts transferred to the SAS Account and the Government Money Market Division in that Policy Year to exceed the limit described in your Policy schedule pages, currently 10% of the sum of allocations to the Divisions as of the most recent Policy Anniversary (0% in the Policy Year prior to your first Policy Anniversary – i.e., your first Policy Year); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **SAS Account Restriction.** No amounts may be allocated or transferred to the SAS Account if the current declared annual effective interest rate for the Tier Two Balance is not greater than the minimum guaranteed annual effective interest rate for the Tier Two balance.

Any Net Premium or amount that you request to be allocated to the SAS Account and/or the Government Money Market Division that does not meet the above restrictions will be allocated to the other Divisions of the Separate Account based on your current allocation instructions. If your allocation instructions are not on file with us, the request will not be considered in Good Order and you or your Financial Representative will be contacted for further instructions. Transfer requests that violate these limits on transfers will generally not be considered in Good Order.

**If Your Death Benefit Guarantee is Not Active.** After the Initial Allocation Date (see "Allocating Premiums), there are restrictions on the timing and amounts that can be allocated as premium payments or transferred by the Owner to the SAS Account when the Death Benefit Guarantee is <u>not</u> active. While the following may not be representative of the precise restrictions applicable to your Policy, the current restrictions for a representative policy are as follows:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Limit on Amounts.** No amount may be allocated or transferred into the SAS Account if such allocation or transfer would cause the sum of the amounts in the SAS Account to exceed the limit described in your Policy. For a representative insured (Issue age 35) those percentages are (please see "Table of Policy Value Percentage Limits" in your Policy schedule pages for your exact limits):

---

| | |
|:---|:---|
| **Policy Year** | **Limit %** |
| 1 | &nbsp;&nbsp; 5% |
| 2 | &nbsp;&nbsp; 5% |
| 3 | &nbsp;&nbsp; 5% |
| 4 | &nbsp;&nbsp; 5% |
| 5 | &nbsp;&nbsp; 5% |
| 6 | &nbsp;&nbsp; 6% |
| 7 | &nbsp;&nbsp; 7% |
| 8 | &nbsp;&nbsp; 8% |
| 9 | &nbsp;&nbsp; 9% |
| 10 | &nbsp;&nbsp; 10% |
| 11 | &nbsp;&nbsp; 11% |
| 12 | &nbsp;&nbsp; 12% |
| 13 | &nbsp;&nbsp; 14% |
| 14 | &nbsp;&nbsp; 16% |
| 15 | &nbsp;&nbsp; 18% |
| 16 | &nbsp;&nbsp; 20% |

---

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

---

| | |
|:---|:---|
| **Policy Year** | **Limit %** |
| 17 | &nbsp;&nbsp; 22% |
| 18 | &nbsp;&nbsp; 24% |
| 19 | &nbsp;&nbsp; 26% |
| 20 | &nbsp;&nbsp; 28% |
| 21 | &nbsp;&nbsp; 30% |
| 22 | &nbsp;&nbsp; 32% |
| 23 | &nbsp;&nbsp; 34% |
| 24 | &nbsp;&nbsp; 36% |
| 25 | &nbsp;&nbsp; 38% |
| 26 | &nbsp;&nbsp; 40% |
| 27 | &nbsp;&nbsp; 42% |
| 28 | &nbsp;&nbsp; 44% |
| 29 | &nbsp;&nbsp; 46% |
| 30 | &nbsp;&nbsp; 48% |
| 31+ | &nbsp;&nbsp; 50% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Limit on Net Premiums.** No Net Premium may be allocated to the SAS Account if such allocation would cause the sum of the Net Premiums allocated to the SAS Account to exceed the limit described in your Policy schedule pages, currently 50% of Net Premiums paid under the Policy;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Limit on Transfers.** No transfer may be made to the SAS Account in a Policy Year if such transfer would cause the sum of the amounts transferred to the SAS Account in that Policy Year to exceed the limit described in your Policy schedule pages, currently 10% of the sum of allocations to the Divisions as of the most recent Policy Anniversary (0% in the Policy Year prior to your first Policy Anniversary – i.e., your first Policy Year); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **SAS Account Restriction.** No amounts may be allocated or transferred to the SAS Account if the current declared annual effective interest rate for the Tier Two Balance is not greater than the minimum guaranteed annual effective interest rate for the Tier Two balance.

Any Net Premium or amount that you request to be allocated to the SAS Account that does not meet the above restrictions will be allocated to the other Divisions of the Separate Account based on your current allocation instructions. If your allocation instructions are not on file with us, the request will not be considered in Good Order and you or your Financial Representative will be contacted for further instructions. Transfer requests that violate these limits on transfers will generally not be considered in Good Order.

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Information About the Policy

Purchasing a Policy

When you purchase your Policy, you enter into a contract with us. Your Policy, together with your Application (including all underwriting questionnaires or supplements) and any amendments, endorsements, riders and optional benefits, is the entire contract. To purchase a Policy, you must submit the Application and, in most cases (see "When Insurance Coverage Takes Effect" below), an initial Premium Payment, to us through a Northwestern Mutual Financial Representative. Generally, the Policy is available for Insureds between Issue Ages 0-75. We must receive evidence of insurability that satisfies our underwriting standards before we will issue a Policy. We reserve the right to reject an Application if it does not meet our underwriting or administrative requirements or for any reason permitted by law.

Although we do not anticipate delays in our receipt and processing of Applications or Premium Payments, we may experience such delays to the extent Applications, underwriting information and Premium Payments to our Home Office are not received on a timely basis. Such delays could result in delays in the issuance of Policies and the allocation of Premium Payments under existing Policies.

Specified Amount

Your Policy's initial amount of insurance coverage is its Initial Specified Amount. You select the Specified Amount when you apply for the Policy, subject to a minimum and our insurability and other underwriting requirements. The Specified Amount must be at least $100,000 for Issue Ages 18-75 and $50,000 for Issue Ages 0-17. We reserve the right to modify the minimum Specified Amount and underwriting requirements at any time.

You may decrease the Specified Amount while the Policy 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 less than the minimum Specified Amount we would require for issuance of a new Policy at the time of the change. You may not increase the Specified Amount after initial purchase. A change in the Specified Amount will be effective on a Monthly Processing Date upon receipt of a written request in Good Order at our Home Office. If the request is received before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the change in Specified Amount will be effective on that date. If the request is not received on a Monthly Processing Date, or on or after the close of trading on the NYSE on a Monthly Processing Date, the change in Specified Amount will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative may notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements. We reserve the right to charge for more than one change to the Specified Amount in a Policy Year. We will deduct any such charge from the Contract Fund Value. (See "Charges and Expenses").

The Insured is assigned an underwriting classification which we use to calculate cost of insurance and other charges. Most insurance companies use similar risk classification criteria. We normally use the medical or paramedical underwriting method to assign underwriting classifications, which may require a medical examination and is based on information provided in the application, which may include, among other things, financial information or the amount of insurance applied for. We may also, however, use other forms or methods of underwriting if we think it is appropriate. A modified underwriting process may be used to automate and expedite underwriting for qualified applicants. This process is based on our traditional underwriting criteria and may or may not use the same information as traditional medical underwriting. Under any of these underwriting methods, it is possible that applicants may be subject to higher rates or fees as a result of higher anticipated mortality experience over time.

When Insurance Coverage Takes Effect

Generally, we will accept the Policy Application and issue a Policy if we determine that the Insured meets our underwriting and administrative requirements. If a Premium Payment is paid with your Application, insurance coverage becomes effective (provided that the Insured is found to be insurable) on the Date of Issue, which is the last to occur of (1) the date the Application is signed, (2) the date of the medical history questionnaire, or (3) the date of the paramedical examination or medical examination, if required. If a Premium Payment is first made at the time of Policy delivery, there is no insurance coverage prior to Policy delivery.

Your Policy Date is the date we use to determine the Issue Age of the Insured, which is used to determine the cost of insurance rates. The Policy Date also is the date used to establish Policy Years. Generally, the Policy Date is the Date of Issue. However, with our approval and subject to state insurance law limitations, we may backdate your Policy Date up to six months or future date it up to 30 days from the Date of Issue under normal circumstances. Backdating may lower your cost of insurance rate, but you will be assessed Monthly Policy Charges retroactive to the Policy Date you select. Future dating is sometimes requested to permit multiple insurance policies to have the same Monthly Processing Date to facilitate administration. We may future date your Policy Date up to 120 days if the Insured's underwriting classification is different than requested on the Application.

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Modifying your Policy Date may require adjustments to your first Premium Payment relating to the Monthly Policy Charges for the period between the Date of Issue and the Policy Date and is subject to any current restrictions on available investment and/or fixed account options. Both the Date of Issue and the Policy Date may be found in your Policy schedule pages.

Right to Return Policy

You may generally return the Policy for a refund within 10 days for any reason or thirty (30) days for replacements (or for different periods as required by state law) after you receive it by returning the Policy to us at our Home Office or to your Financial Representative. Unless state law requires otherwise, the amount of your refund will equal the sum of (a) your Policy's Contract Fund Value on the date we receive your returned Policy or a written cancellation request at our Home Office plus (b) any previously deducted Premium charges, Monthly Policy Charge and Service Charges (See Appendix B for more information regarding the Right to Return rights in your state of issue.) In the event applicable state law requires us to return the full amount of your premium payment, we will do so. (See "Allocating Premiums" and "Initial Allocation Date" below for more information regarding your initial Premium Payment and how we apply it to the Separate Account.)

Ownership Rights

As Owner of the Policy, you make the decisions about the Policy and Policy benefits while it is in force, without the consent of any beneficiary (unless otherwise specified by the Owner in the beneficiary designation in effect as filed with the Company). If the Policy has more than one Owner, decisions with respect to the Policy and its benefits may be exercised only with the consent and authorization of all Owners. Generally, only Owners are entitled to important information about the Policy. Other persons, such as beneficiaries or payors, are entitled to only limited information.

To transfer ownership of the Policy to another person, the Owner must provide us written notification of the transfer and must supply any required information about the new Owner in a manner acceptable to the Company. We will not be responsible to the new Owner for any payment or other action taken by us until the written notification of the transfer is received by us at our Home Office. The transfer of ownership will then be effective as of the date the transfer form was signed. We may require you to send the Policy to our Home Office for endorsement to reflect the transfer of ownership. If the Owner is not the Insured, the Owner may name or change a successor Owner, who will become the new Owner upon the Owner's death upon written notification similar in manner to transfers in ownership.

Modifying the Policy

Any Policy change that you request is subject to our then current insurability and processing requirements. Processing requirements may include, for example, completion of certain forms and satisfying certain evidentiary requirements.

If the Policy is changed or modified, we may make appropriate endorsements to the Policy, and we may require you to send your Policy to our Home Office for endorsement. Any modification or waiver of our rights or requirements under the Policy must be in writing and signed by an officer of the Company. No agent or other person may bind us by waiving or changing any provision contained in the Policy.

Upon notice to you, we may modify the Policy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● to conform the Policy, our operations, or the Separate Account's operations to the requirements of any law (including any regulation issued by a government agency) to which the Policy, the Company, or the Separate Account is subject;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● to ensure continued qualification of the Policy as a life insurance contract under the federal tax laws; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● to reflect a change in the Separate Account's operation.

Premium Payments

A minimum initial Premium Payment is required to put your Policy in force. No insurance will take effect until the minimum initial Premium Payment is made. The minimum initial Premium Payment is based on the Issue Age, underwriting classification and sex of the Insured, the Initial Specified Amount, any optional benefits and, if applicable, the Death Benefit Guarantee Period. For certain Death Benefit Guarantee Periods, a minimum Premium Payment is required to be paid in the first Policy Year.

Although you must make sufficient Premium Payments to keep the Policy in force, after we issue the Policy there is no required schedule or amount of Premium Payments. However, if you elect a Death Benefit Guarantee, a minimum Premium Payment is required to meet the Death Benefit Guarantee Test. (See "Death Benefit Guarantee"). Unless the Death Benefit Guarantee is available to keep your Policy from terminating, investment results of the Divisions to which your Net Premium is allocated will

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affect the Premium Payments you are required to make to keep your Policy in force. There are limits on your investments into the Government Money Market Fund and/or the SAS Account (see "Restrictions on Amounts in the SAS Account and Government Money Market Division").

You may send Premium Payments to our Home Office or to a payment center designated by us. All payments must be made in U.S. Dollars payable through a U.S. financial institution. We accept Premium Payments by check or electronic funds transfer ("EFT"). We do not accept third-party checks at the Home Office as part of the initial Premium Payment. We generally will not accept cash, money orders, traveler's checks or "starter" checks; however, in limited circumstances, we may accept some cash equivalents in accordance with our anti-money laundering procedures. If you make a Premium Payment with a check or bank draft and, for whatever reason, it is later returned unpaid or uncollected, or if a Premium Payment by EFT is reversed, we reserve the right to reverse the transaction. If mandated under applicable law, we also reserve the right to recover any resulting losses incurred by us by withdrawing a sufficient amount of Policy Value.

We accept Premium Payments via our website if eligible. Electronic payments via our website must be made in accordance with our current procedures. However, we are not required to accept electronic payments, and we will not be responsible for losses resulting from transactions based on unauthorized electronic payments, provided we follow procedures reasonably designed to verify the authenticity of electronic payments. For more information on electronic payments see "Owner Inquiries." We reserve the right to limit, modify, suspend or terminate the ability to make payments via our website at any time.

After the In Force Date (See "Allocating Premiums to the Separate Account" below), Net Premiums are placed in the Divisions and any available fixed option on the date we receive your Premium Payment in Good Order at our Home Office and are credited as of the date of receipt. Premiums received before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Valuation Date are deemed to be received and credited on that Valuation Date. If received on or after the close of trading on a Valuation Date, or a day other than a Valuation Date, they are deemed to be received and credited on the next Valuation Date. If your payment is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your payment to our then-current requirements. Although we do not anticipate delays in our receipt and processing premiums, we may experience such delays to the extent premiums are not received at our Home Office on a timely basis. Such delays could result in delays in the allocation of premiums. (See "Allocating Premiums.")

You may not make any Premium Payments after the Policy Anniversary nearest the Insured's 121<sup>st</sup> birthday. You may not make additional Premium Payments of less than $25. A Premium Payment that would either exceed cumulative premiums illustrated in the Application or increase the Policy's Death Benefit more than it increases the Policy Value will be accepted only if: the insurance in force, as increased, will be within our issue limits; our insurability requirements are met; and the Premium Payment is received prior to the Policy Anniversary nearest the Insured's 85<sup>th</sup> birthday.

We have the right to limit or refund a Premium Payment or make distributions from the Policy as necessary to continue to qualify the Policy as life insurance under federal tax law, including the classification of your Policy as a modified endowment contract. We may accept a premium at the direction of the Owner, however, even if it would cause the Policy to be classified as a modified endowment contract. (See "Tax Considerations"). If we receive a Premium Payment before its due date in circumstances where allocating such Premium to your Policy could result in your Policy failing to qualify as life insurance or being classified as a modified endowment contract, or where the Premium Payment was intended to be applied as of its due date, depending on you or your Financial Representative's instructions we may hold the Premium or partial Premium Payment in a non-interest bearing account until its due date, at which time we will allocate your payment to the Divisions or any available fixed option according to then-current allocation instructions. Excess payment amounts are applied once instructions are received in Good Order.

If there is Policy Debt, payments received at our Home Office, or to a payment center designated by us, will be treated as payments to reduce Policy Debt unless designated as Premium Payments. (See "Policy Loans").

If mandated under the Policy or applicable law, we may be required to reject a Premium Payment. We may also be required to provide information about you and your account to government regulators.

Allocating Premiums

When you apply for a Policy, you must instruct us in the Application or supplement to the Application to allocate your Net Premium to one or more Divisions of the Separate Account and, if applicable, the NM Strength and Stability Account. Net Premiums are premiums less deductions from premiums, such as premium expense charges. (See "Charges and Deductions—

Premium Expense Charge.") You may invest in up to 30 Divisions at a time.

If your initial Premium Payment is submitted with your Application, we will place the Premium Payment in our General Account, and the Net Premium will remain in our General Account until the In Force Date. We may credit the Net Premium with interest while it remains in the General Account. We may change the rate of interest we credit initial Net Premiums held in our General Account at any time and at our sole discretion, but the rate will not be less than 0%. For more information, please call (866) 464-3800. On the In Force Date, we will transfer and credit the initial Net Premium and accrued interest to the Government Money

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Market Division of the Separate Account except in certain limited circumstances (see "Initial Allocation Date" below). If the In Force Date is not a Valuation Date, then we will transfer and credit the initial Net Premium and accrued interest on the next Valuation Date. Short-term premium charges, for any term insurance coverage provided from the Issue Date to the Policy Date, are deducted from the initial Premium Payment if applicable.

If payment is not made with your Application, we will transfer and credit the initial Net Premium to the Government Money Market Division of the Separate Account on the Valuation Date we receive it in Good Order at our Home Office. If payments are received before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Valuation Date, they will be transferred and credited to the Government Money Market Division on that date. If the payment is received on or after the close of trading on a Valuation Date, or on a day other than a Valuation Date, they will be transferred and credited to the Government Money Market Division on the next Valuation Date. If your payment is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your payment to our then-current requirements.

The date on which we allocate your initial Net Premium among the Divisions and/or the SAS Account in accordance with your instructions is referred to as the "Initial Allocation Date." After the In Force Date and prior to the Initial Allocation Date, we transfer and credit Net Premiums to the Government Money Market Division of the Separate Account. The Initial Allocation Date is shown in the Policy schedule pages.

**Initial Allocation Date** Your Initial Allocation Date is determined by a series of rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● First, if you have requested a Policy Date that is later than the date your Policy is approved, your Initial Allocation Date will not be earlier than the future Policy Date you requested.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Second, in states where the right to return policy law requires us to refund your entire initial Premium Payment, your Initial Allocation Date will be the latest of the day we receive your initial Premium Payment, the day after your right to return the Policy expires and the day we receive notice of delivery of your Policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Third, in states where the right to return policy law permits us to base your refund on the value of assets in the Divisions, if your initial Premium Payment is submitted with your Application and your Policy is issued as applied for, your Initial Allocation Date will be the In Force Date; if we issue your Policy other than as applied for, your Initial Allocation Date will be the day we receive notification of Policy delivery in the Home Office. If your initial Premium Payment is not submitted with your Application, your Initial Allocation Date will be the later of the day we receive notification of Policy delivery or the day we receive your initial Premium Payment.

The initial allocation instructions we receive from you will remain in effect for subsequent Net Premiums until we receive your request to change them. You may change your allocation for future Net Premiums at any time subject to the restrictions noted in this Prospectus. The change will be effective on the Valuation Date on or next following the date we receive your request in Good Order at our Home Office. Requests received before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Valuation Date are deemed to be received and effective on that Valuation Date. If received on or after the close of trading on a Valuation Date, or a day other than a Valuation Date, requests are deemed to be received and effective on the next Valuation Date. If your request is not in Good Order, we will continue to credit Net Premiums to your Policy according to the allocation instructions then in effect and either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request with our then-current requirements.

In order to take full advantage of these features, you should carefully consider, on a continuing basis, which options are best suited to your long-term investment needs. Investment returns from amounts allocated to the Divisions will vary with the investment performance of the Divisions and will be reduced by Policy charges. You bear the entire investment risk for amounts you allocate to the Divisions. You should periodically review your allocation instructions in light of market conditions and your overall life insurance and financial objectives. Your Financial Representative may provide us with instructions on your behalf involving the allocation of amounts among available Divisions and/or the [SAS Account](#bookmark_sasaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), subject to our rules and requirements, including the restrictions on Transfers, Short Term Trading and other restrictions specific to the Government Money Market Division and/or the SAS Account noted in this Prospectus (see "Restrictions on Investments in the SAS Account").

You may request allocation changes in writing (including via facsimile or, under limited circumstances, by email) or by calling Advanced Markets Operations at (866) 464-3800. Where allowable by applicable law, a Policy Owner's Financial Representative may provide us with allocation changes on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit allocation instructions via the Internet at <u>www.northwesternmutual.com</u> ("Electronic Instructions") in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. For more information see "Owner Inquiries." Please note that we are not required to accept Electronic Instructions and we will not be responsible for losses resulting from transactions based on unauthorized Electronic Instructions, provided we follow procedures reasonably designed to verify the authenticity of Electronic Instructions. We reserve the right to limit, modify, suspend or terminate the ability to make requests via Electronic Instructions.

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Determination of Values

The Contract Fund Value is the sum of amounts in the Divisions (also known as the Investment Account) and the SAS Account. At no time does the Contract Fund Value include Policy Debt. The Policy Value is the Contract Fund Value plus any Policy Debt. On the Policy Date, the Contract Fund Value is equal to the Net Premium less the Monthly Policy Charge. On any day after the Policy Date, the Contract Fund Value is equal to what it was on the previous Valuation Date plus any of these items applicable for the current Valuation Date:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any increase attributable to the portion of amounts in the Divisions that experience a positive rate of return for the current Valuation Period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any increase due to interest credited to the portion of amounts in the SAS Account since the previous Valuation Period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any additional Net Premium;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any loan repayment and accrued loan interest payment; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any dividends directed to increase Contract Fund Value;

**<u>minus</u>** any of the following items applicable to the current Valuation Date:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any decrease attributable to the portion of amounts in the Divisions that experience a negative rate of return for the current Valuation Period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Monthly Policy Charge;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any Policy loans;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any withdrawals; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any other applicable service fees or changes, reduction in Specified Amount and transfers.

Death Benefit

**Life Insurance Benefit** As long as your Policy is in force, we will pay the Life Insurance Benefit to your beneficiary or beneficiaries once we receive at our Home Office satisfactory proof of the Insured's death, subject to the limitations stated in the Policy or imposed by law. We will pay the Life Insurance Benefit either in a lump sum or, at your option or the option of your beneficiary, by establishing a fixed Income Plan in the beneficiary's name. (See "Other Benefits Available Under the Policy—

Income Plans.") Payments under these plans are from our General Account and are subject to the claims of our creditors. Owners must look to the financial strength of the Company and its General Account with regard to guarantees under the Policy.

Subject to applicable provisions of the policy (e.g., misstatements), the amount of the Life Insurance Benefit will be:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Death Benefit, or the Guaranteed Minimum Death Benefit if the Policy is in force under the Death Benefit Guarantee; **<u>minus</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the amount of any Policy Debt; **<u>minus</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the amount of any adjustments to the Life Insurance Benefit where (i) the Death Benefit Guarantee is keeping the Policy in force **<u>and</u>** the Insured dies during the Death Benefit Guarantee Grace Period or (ii) the Insured dies during a Policy Grace Period. (See "Death Benefit Guarantee Grace Period" and "Termination and Reinstatement").

These amounts will be determined as of the date of the Insured's death. Even though the Owner does not have the right to take any Policy loans or withdrawals after the date of the Insured's death, any Policy loans or withdrawals that are taken after the date of the Insured's death will be deducted from the Life Insurance Benefit.

We will pay the Life Insurance Benefit to the beneficiary if he or she survives the Insured and is alive on the date of payment. (See "Other Policy Provisions—Naming a Beneficiary"). If no Income Plan is elected, we will pay interest on the Life Insurance Benefit from the date of the Insured's death based on rates declared by the Company or as required by applicable state law. The investment performance of the Portfolios, as well as the charges and expenses under your Policy, may decrease your Death Benefit.

The Company will usually mail the proceeds of your Life Insurance Benefit within seven days after we receive all satisfactory proof of death at our Home Office. However, we may postpone payment after proof of death whenever the NYSE is closed or restricted (other than on customary weekend and holidays) or if the SEC permits such a delay by rule, order or declaration. During any such postponement, proceeds will be held in our General account and are subject to the claims of our creditors.

**Variable Universal Life Plus Prospectus**

------

**Death Benefit Options** The Death Benefit before the Policy Anniversary nearest the Insured's 121<sup>st</sup> birthday is determined by the Death Benefit option in effect at the time of the Insured's death. The Death Benefit on and after the Policy Anniversary nearest the Insured's 121<sup>st</sup> birthday will be equal to the Policy Value. If you select the Death Benefit Guarantee option with a lifetime period and the guarantee has not previously terminated, then the Death Benefit on and after the Policy Anniversary nearest the Insured's 121<sup>st</sup> birthday will be the greater of the Policy Value or the Guaranteed Minimum Death Benefit.

The Policy provides for three Death Benefit options:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option A—the greater of the Specified Amount or the Minimum Death Benefit;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option B—the greater of the Specified Amount **<u>plus</u>** Policy Value or the Minimum Death Benefit; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option C—the greater of the Specified Amount **<u>plus</u>** Cumulative Premiums **<u>minus</u>** Cumulative Withdrawals or the Minimum Death Benefit.

All three death benefit options may not be available in all states. We calculate the amount available under the applicable Death Benefit option as of the date of the Insured's death. You must elect a Death Benefit option at issue or your application will be deemed not in Good Order, in which case either we or your Financial Representative may notify you in an effort to conform your application to our then-current requirements.

The option you choose on your Application will generally depend on whether you prefer an increasing Death Benefit or a larger Policy Value, but in each case the Death Benefit will be at least the Minimum Death Benefit required for your Policy to qualify as life insurance under the Code. For purposes of Option C, cumulative Premium Payments do not include amounts credited to the Policy under the Selected Monthly Premium Benefit.

**Minimum Death Benefit** The Minimum Death Benefit is the amount required by federal tax law to maintain the Policy as a life insurance contract. Under any of the Death Benefit options, we will increase the Death Benefit if necessary to satisfy this requirement.

A Policy must satisfy one of two testing methods to qualify as life insurance for federal income tax purposes. You may choose either the Guideline Premium/Cash Value Corridor Test or the Cash Value Accumulation Test. Both tests require the Policy's Death Benefit to equal or exceed a defined relationship to, or multiple of, the Policy Value. You make the choice of testing methods when you purchase a Policy and it cannot be changed.

For the Guideline Premium/Cash Value Corridor Test the minimum multiples of Death Benefit to the Policy Value are shown in the following table.

**Variable Universal Life Plus Prospectus**

------

Guideline Premium/Cash Value—Corridor Test Multiples

---

| | | | |
|:---|:---|:---|:---|
| **Attained Age**  | **Policy Value %** | **Attained Age**  | **Policy Value %** |
| 40 or under | 250 | 61 | 128 |
| 41 | 243 | 62 | 126 |
| 42 | 236 | 63 | 124 |
| 43 | 229 | 64 | 122 |
| 44 | 222 | 65 | 120 |
| 45 | 215 | 66 | 119 |
| 46 | 209 | 67 | 118 |
| 47 | 203 | 68 | 117 |
| 48 | 197 | 69 | 116 |
| 49 | 191 | 70 | 116 |
| 50 | 185 | 71 | 113 |
| 51 | 178 | 72 | 111 |
| 52 | 171 | 73 | 109 |
| 53 | 164 | 74 | 107 |
| 54 | 157 | 75-90 | 105 |
| 55 | 150 | 91 | 104 |
| 56 | 146 | 92 | 103 |
| 57 | 142 | 93 | 102 |
| 58 | 138 | 94 | 101 |
| 59 | 134 | 95 or over | 100 |
| 60 | 130 |  |  |

---

For the Cash Value Accumulation Test, the minimum multiples of Death Benefit to the Policy Value are calculated using net single premiums based on the [Attained Age](#bookmark_attainedage_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) of the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), the [Policy's](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) underwriting classification and an interest rate that is the greater of the rate or rates guaranteed at issue under the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) or the applicable accumulation test interest rate as defined in Internal Revenue [Code](#bookmark_code_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) section 7702 (currently 2%). An adjustment to the net single premium is made for certain kinds of optional benefits, if any.

Generally, the Guideline Premium/Cash Value Corridor Test has lower minimum multiples than the Cash Value Accumulation Test. This means that, given the same Policy Value, the minimum Death Benefit permissible by federal income tax law may be greater under the Cash Value Accumulation test than under the Guideline Premium/Cash Value Corridor Test. The Guideline Premium/Cash Value Corridor Test limits the amount of Premium Payment that may be paid in each Policy Year. Generally, the Cash Value Accumulation Test has no such annual limitation and, therefore, may allow more Premium Payments to be paid during the early Policy Years.

**Changing Death Benefit Options** You may change the Death Benefit option at any time while the Policy is in force, upon written request and subject to our approval. Death Benefit option changes are subject to our insurability requirements and issue limits. In addition, we will not permit a change if it is not allowed in your state or if it would result in either (i) your Policy being disqualified as a life insurance contract under federal tax law, or (ii) a Specified Amount less than the minimum Specified Amount we require for issuance of a new Policy at the time of the change. A Death Benefit option change may affect the Policy Value and Specified Amount, and also result in changes to, or termination of, the Death Benefit Guarantee. The Cost of Insurance Charge will increase if a change results in a larger net amount at risk. (See "Charges and Deductions – Monthly Policy Charges and Service Charges"). A Death Benefit option change results in the same net amount at risk at the time of the change, but may result in a larger net amount at risk over time than had the change not occurred. For example, a change from Death Benefit Option A to Option B should result in moving from a net amount at risk that would decline over time (assuming increasing Policy Value) to a net amount at risk that would remain level over time. Changing the Death Benefit option may have tax consequences. (See "Tax Considerations").

If your request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, a change in the Death Benefit option will be effective on that date. If the written request is not received on a Monthly Processing Date, or is received on or after the close of trading on a Monthly Processing Date, it will be effective on the next Monthly Processing Date. We reserve the right to charge for a Death Benefit option change (See "Charges and Deduction—Monthly Policy Charges and Service Charges").

**Death Benefit Guarantee** The Policy offers an optional Death Benefit Guarantee Period elected at issue. Your Policy may also be eligible for Death Benefit Guarantee Premium Suspension. See "Other Benefits Available Under the Policy" for more information about these benefits.

**Variable Universal Life Plus Prospectus**

------

Other Benefits Available Under the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)

In addition to the standard death benefits associated with your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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.

---

| | | | |
|:---|:---|:---|:---|
| **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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to purchase additional life <br> insurance policies on the life of the [Insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Period](#bookmark_deathbenefitguaranteeperiod_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) during which the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is guaranteed not to <br> terminate due to insufficient value in your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) until <br> your next [Policy Anniversary](#bookmark_policyanniversary_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| &nbsp;&nbsp; Standard (with [Death](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> [Benefit Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd))<br>| &nbsp;&nbsp;&nbsp;&nbsp; ●May expire earlier <br> than your next <br> [Policy Anniversary](#bookmark_policyanniversary_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) or the <br> Direct or <br> Contingent <br> Benificiary<br> ●Payments are <br> subject to fixed <br> rates and not <br> investment <br> performance of the <br> [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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>|
| Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; Allows you to exchange your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for a life <br> insurance policy with benefits that do not vary with <br> the investment experience of the underlying <br> [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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>|
| Paid-up Insurance | &nbsp;&nbsp; Under certain conditions allows the [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to <br> change the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) to a policy free of minimum <br> premium payment obligations<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> ●Election is <br> irrevocable<br> ●[Policy Debt](#bookmark_policydebt_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and <br> charges continue<br> ●When in force as <br> [Paid-up](#bookmark_paidup_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) insurance, <br> no additional <br> premium is allowed <br> on the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), your <br> [Death Benefit](#bookmark_deathbenefit_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> option will be <br> irrevocably <br> changed and you <br> may not add <br> optional benefits to <br> the [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) into the other [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) you have <br> selected <br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> ●The [SAS Account](#bookmark_sasaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is <br> not included in <br> dollar cost <br> averaging<br>|
| Portfolio Rebalancing | &nbsp;&nbsp; Automatically rebalances the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) you select <br> (either monthly, quarterly, semi-annually or <br> annually) to maintain your chosen allocations <br> among the [Divisions](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<br> ●The [SAS Account](#bookmark_sasaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) must <br> make an <br> affirmative election <br> to change models<br> ●Available models <br> may change in the <br> future<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>|
| 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;

Optional Benefits Available for a Charge

There are currently three optional benefits available for purchase under the Policy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) the Waiver Benefit: Selected Monthly Premium Benefit;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) the Additional Purchase Benefit; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) the Death Benefit Guarantee

The Selected Monthly Premium Benefit may be elected at any time while the Insured is between Attained Ages 0 and 59. The Additional Purchase Benefit may be elected while the Insured is between Attained Ages 0 and 40. If the Owner seeks to add an optional benefit after the Policy has been issued, the addition of the benefit will be subject to the Company's then-current underwriting standards. These optional benefits are not available for all Attained Ages and underwriting classifications. The Death Benefit Guarantee must be elected at issue.

If you select one or more of these optional benefits, a charge for the benefit will be added to the Monthly Policy Charge. (See "Periodic Charges Other than Fund Operating Expenses"). Any such charge will continue to be assessed as long as the benefit remains in force, except that charges for the Selected Monthly Premium Benefit will be waived when the Insured is totally disabled, subject to the terms and conditions of the benefit. Once the Policy has been issued, the optional benefits above (other than the Death Benefit Guarantee) may be added to the Policy, subject to the Company's insurability requirements and other rules. If the written request to terminate the optional benefits (other than the Death Benefit Guarantee) is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the request will be effective on that date. If the request is not received on a Monthly Processing Date, or is received on or after the close of trading on the NYSE, it will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.

**Selected Monthly Premium Benefit** Subject to applicable terms and conditions, the Selected Monthly Premium Benefit shall be the greater of (1) a premium amount selected by the Owner subject to Company limitations (e.g. the range of dollar amounts which at a minimum maintain the Policy or at a maximum reach the Company's then-current Premium waiver limits), or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured, if the total disability is due to accident or sickness and it begins on or before the Policy Anniversary nearest the Insured's 60<sup>th</sup> birthday. If the total disability begins after the Policy Anniversary nearest the Insured's 60<sup>th</sup> birthday, the benefit provides for a credit of the greater of (1) premium amount selected by the Owner subject to Company limitations, or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured until the Policy Anniversary nearest the Insured's 65<sup>th</sup> birthday.

A total disability is one in which the Insured is unable to perform the substantial and material duties of an occupation. For the first 24 months of total disability, an occupation is the one that the Insured has at the time the Insured becomes disabled. After 24 months, an occupation also includes one for which the Insured is reasonably qualified by education, training or experience. To be covered, the total disability must begin while the benefit is in force; the total disability must result from an accident or sickness; and the total disability must last for at least six consecutive months. The Company will determine the existence of total disability based on the proof of claim submitted and other information gathered by the Company. This Optional Benefit is not available to be added to the Policy if, on the date the Optional Benefit is requested, the Insured is totally disabled, or, as noted above, the Attained Age or underwriting classification of the Insured is outside the range within which the Company offers these Optional Benefits, or should these Optional Benefits become unavailable in your state of issue.

The Selected Monthly Premium Benefit terminates on the earliest of: (1) the Policy Anniversary that is nearest the 65<sup>th</sup> birthday of the Insured unless the Insured became totally disabled prior to the Policy Anniversary that is nearest the 60<sup>th</sup> birthday of the Insured; (2) when the Policy terminates; (3) when the Policy becomes Paid-Up insurance; or (4) when the Owner's written request to terminate the benefit is received at our Home Office.

**Variable Universal Life Plus Prospectus**

------

The amounts credited under the Selected Monthly Premium Benefits are treated as Premium Payments subject to the terms of the Policy, except that if the Policy has Death Benefit Option C, then the amounts credited under these benefits will not be included in the cumulative Premium Payments that are used in the calculation of the Death Benefit. The amounts credited under this benefit are subject to the same transaction fees as any other Premium Payment. (See "Charges and Deductions—Premium Expense Charges").

Example: John Doe, age 57, lost his right hand in a car accident and became totally disabled from his job as a roof tiler. John's policy has a Selected Monthly Premium Benefit with a selected monthly premium amount of $7,000. Afterward, on a particular monthly processing date, John's monthly policy charges total $5,000. John's Selected Monthly Premium Benefit will credit $7,000 into the policy on that monthly processing date.

**Additional Purchase Benefit** Subject to the terms and conditions of the benefit, the Additional Purchase Benefit gives the Owner the right to purchase additional life insurance policies on the life of the Insured up to Attained Age 40 at specified dates without proof of insurability. This optional benefit terminates on the Policy Anniversary nearest the 40<sup>th</sup> birthday of the Insured. It will terminate earlier: (1) when the Policy terminates; (2) when the Policy becomes Paid-Up insurance; (3) on the use of the final purchase right under the benefit; or (4) when the Owner's written request to terminate the benefit is received at our Home Office.

Example: Jane Doe, age 28, is the owner and insured of her policy and decides she wants an additional $50,000 of life insurance. Jane purchases her policy without the Company requiring evidence of insurability.

**Death Benefit Guarantee** The Policy offers a Death Benefit Guarantee Period elected at issue. The Death Benefit Guarantee Period is optional and is elected on the application and established at issue by the applicant. A Death Benefit option change may result in changes to, or termination of, the Death Benefit Guarantee. There is a charge for the Death Benefit Guarantee (see "Fee and Expense Tables–Periodic Charges" and "Charges and Deductions–Monthly Policy Charges and Service Charges"). The Death Benefit Guarantee Period is shown on the Policy schedule pages. The Death Benefit Guarantee is available to protect the Policy from terminating during the Death Benefit Guarantee Period so long as the Death Benefit Guarantee Test is met. (See "Death Benefit Guarantee Test"). The Death Benefit Guarantee keeps the Policy in force when the Policy does not have enough Cash Surrender Value to pay the current Monthly Policy Charge and the Policy would otherwise terminate without value. (See "Termination and Reinstatement"). **Please note that certain allocation or transfer restrictions may be affected by whether or not your Death Benefit Guarantee is active. (See "The Fixed Option-Restrictions on Amounts in the SAS Account and Government Money Market Division.")**

When the Policy does not have sufficient Cash Surrender Value to pay the current Monthly Policy Charge and is being kept in force by the Death Benefit Guarantee, the Monthly Policy Charges will first reduce the Contract Fund Value, if any, to zero and will then accumulate as due and unpaid. Then, when you make a Premium Payment, we will deduct accumulated due and unpaid Monthly Policy Charges from Contract Fund Value. At the end of the Death Benefit Guarantee Period, if the Cash Surrender Value is less than the current Monthly Policy Charges, the Policy will enter the Policy Grace Period and an additional Premium Payment will be required to keep the Policy in force. (See "Termination and Reinstatement").

If the Policy is being kept in force by the Death Benefit Guarantee when the Insured dies, the gross amount of death proceeds will be the Guaranteed Minimum Death Benefit ("GMDB") regardless of the Death Benefit option in effect. On the Date of Issue the GMDB equals the Specified Amount. After the Date of Issue, if there is a Policy change that changes the Specified Amount, including a Death Benefit option change, then the GMDB will equal the lessor of the current GMDB or the new Specified Amount.

During the Death Benefit Guarantee Period, the Death Benefit Guarantee keeps the Policy from terminating, provided that the Death Benefit Guarantee Test is met. Unless the Death Benefit Guarantee was previously terminated, the Death Benefit Guarantee Test will be performed on each Monthly Processing Date during the Death Benefit Guarantee Period or until the Policy Anniversary nearest the Insured's 121<sup>st</sup> birthday, if sooner. If the Death Benefit Guarantee Test is not met on a Monthly Processing Date, the Death Benefit Guarantee will enter a Death Benefit Guarantee Grace Period. The Death Benefit Guarantee Test is met provided that:

(1) on the current Monthly Processing Date, (a) is greater than or equal to (b) where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the cumulative Premium Payments minus the sum of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the cumulative withdrawals; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● principal loan balance (See "Policy Loans"); and <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the cumulative Death Benefit Guarantee Premiums for the current Monthly Processing Date;

AND

**Variable Universal Life Plus Prospectus**

------

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

(2) the Death Benefit Guarantee Test has been met on all prior Monthly Processing Dates, and has not previously been terminated due to a loan or withdrawal causing the test to not be met.

The Death Benefit Guarantee Test will be deemed to have been met on all prior Monthly Processing Dates during a Death Benefit Guarantee Grace Period if the required payment is paid prior to the expiration of the Death Benefit Guarantee Grace Period.

**Termination of Death Benefit Guarantee For Failure to Meet the Death Benefit Guarantee Test** If on a Monthly Processing Date the Death Benefit Guarantee Test is not met, you will have 61 days to make an additional payment to keep the Death Benefit Guarantee, provided the Death Benefit Guarantee Period is not already scheduled to expire during that 61-day period. The Death Benefit Guarantee Grace Period will begin on the date we send you written notice of the amount of payment you must make. The minimum payment that you must make will be the amount necessary to meet the Death Benefit Guarantee Test at the end of the Death Benefit Guarantee Grace Period.

The Death Benefit Guarantee will continue during the Death Benefit Guarantee Grace Period, terminating at the end of such period if you do not make the required payment. If you do not make the required payment, you will not be able to reinstate the Death Benefit Guarantee.

When the Death Benefit Guarantee terminates, the Policy will still remain in force provided the Cash Surrender Value on the Monthly Processing Date is greater than the Monthly Policy Charges. If, however, this requirement is not met, the Policy will enter the Policy Grace Period, during which time you may still avoid termination of your Policy provided you make sufficient payments to keep your Policy in force. (See "Termination and Reinstatement").

If the Insured dies during the Death Benefit Guarantee Grace Period and the Death Benefit Guarantee is keeping the Policy in force, we will deduct from the Life Insurance Benefit the amount of the payment required to meet the Death Benefit Guarantee Test as of the last Monthly Processing Date preceding or on the date of death of the Insured.

Example: John Doe elected a ten-year Death Benefit Guarantee Period when he purchased his policy and has met his Death Benefit Guarantee Test every month. On a monthly processing date in the eighth year, John's policy has the following characteristics:

Cash Surrender Value = $80 <br>Monthly Policy Charges = $100 <br>Cumulative Premiums to date = $20,000 <br>Cumulative Withdrawals to date = $1,000 <br>Principal Loan Balance = $0 <br>Cumulative Monthly Death Benefit Guarantee Premiums = $18,000

John's policy does not have enough cash surrender value to cover monthly policy charges and would normally enter the policy grace period and eventually terminate. However, John's policy does not enter the policy grace period because his cumulative premium amount (less withdrawals and loans) ($20,000 - $1,000 = $19,000) is greater than his cumulative monthly Death Benefit Guarantee Premium amount ($18,000), which was an amount determined when John purchased the policy. Amounts needed to cover the outstanding charges are deducted from the value of John's policy.

**Death Benefit Guarantee Premium Suspension** Your Policy may be eligible for Death Benefit Guarantee Premium Suspension as indicated on your Policy schedule pages. Death Benefit Guarantee Premium Suspension is tested on the month prior to your next Policy Anniversary. It sets the Death Benefit Guarantee Monthly Premium to zero beginning on the next Monthly Processing Date until the next Policy Anniversary (or earlier if a "Retest Event" occurs), so long as the Death Benefit Guarantee is active (and not in a Death Benefit Grace Period) and the Contract Fund Value is greater than or equal to the amount shown on the Table of Amounts for Determining Death Benefit Guarantee Premium Suspension ("Premium Suspension Table") for a particular Monthly Processing Date shown in your Policy. A Retest Event is defined as a withdrawal, a Policy loan, a failure to pay accrued loan interest when due, or a change by the Owner to the terms of the Policy that could result in an increase in the Company's risk under the Policy. If a Retest Event occurs, the Death Benefit Guarantee Premium Suspension will continue so long as immediately after the Retest Event the Death Benefit Guarantee Test is met and the Contract Fund Value is greater than or equal to the amount shown in the Premium Suspension Table for the Monthly Processing Date adjusted proportionately for any reduction to the Guaranteed Minimum Death Benefit resulting from the Retest Event.

Example: Jane Doe elected a ten-year Death Benefit Guarantee Period when she purchased her policy and has met her Death Benefit Guarantee Test every month. On the monthly processing date prior to her eighth policy anniversary, Jane's policy had the following characteristics:

Cumulative Premiums to date = $50,000 <br>Cumulative Monthly Death Benefit Guarantee Premiums = $20,000 <br>Contract Fund Value = $90,000 <br>Death Benefit Guarantee Premium Suspension Amount = $85,000

**Variable Universal Life Plus Prospectus**

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Because the Contract Fund Value of Jane's policy is greater than the Death Benefit Guarantee premium suspension amount shown in her policy, her policy passes the Death Benefit Guarantee Premium Suspension test and her monthly Death Benefit Guarantee premium amount is reduced to $0, meaning she will continue to pass the monthly Death Benefit Guarantee test until the earlier of her next Policy Anniversary or a Retest Event.

Standard Benefits Available At No Charge

**Income Plans** Upon the death of the Insured, if an Income Plan was not previously elected by you and in lieu of a lump sum or other payment agreed to by the Company, the beneficiary may elect to receive his or her share (or name and change beneficiaries –see "Other Policy Provisions – Naming a Beneficiary") of the Life Insurance Benefit by either of the fixed Income Plan options noted below. Payments under a fixed Income Plan option are not affected by the investment performance of the Divisions after the date of surrender or the date of the Insured's death. Nothing in this section shall be construed to otherwise contradict the order of payment of the Life Insurance Benefit as described in the Policy, designated by you or under applicable law.

Payments under fixed Income Plan options will be based on rates declared by the Company on the effective date of the Income Plan. The monthly income payment rates applicable to life Income Plans are based on interest rates applicable to amounts as of the date of death of the Insured according to the Policy as well as additional interest at a rate of 10% annually beginning 31 calendar days after the latest of (a) proof of the date of death is received by the Company, (b) the Company has all the information it needs to determine liability and the appropriate payees, or (c) any legal impediments (e.g., court guardian or executor actions) are properly satisfied. There is no additional charge for electing an Income Plan option. We may offer additional Income Plans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Single Life Income** We will make monthly payments for the selected certain period. The options for the certain period are zero years (i.e., no certain period), ten years, or twenty years. If the payee lives longer than the certain period, payments will continue for his or her life. In cases where a ten or twenty year certain period is elected, if the payee dies before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries your beneficiary designates. Where a certain period of zero years was selected and the Income Plan beneficiary dies before the first scheduled payment, then no payments will be paid.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● **Joint and Survivor Life Income** We will make monthly payments for a 10-year certain period, and thereafter for as long as either of the individuals upon whose lives income payments are based is living. If both payees die before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries or to beneficiaries your beneficiary designates.

In general, the monthly payments under a joint and survivor life Income Plan will be lower than, but may be payable for a longer period than, a single life Income Plan.

The Owner may elect an Income Plan for each beneficiary's share of the Life Insurance Benefit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● while the Insured is living; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● during the first 60 days after the death of the Insured, if the Insured at the time of his or her death was not the Owner. An election made during that 60-day period may not be revoked.

An Owner may make or change Income Plan elections by contacting the Home Office or an authorized Financial Representative may provide us with an election on behalf of a Policy Owner subject to our current procedures, rules and requirements.

Subject to the Owner's rights, and upon providing any information that we may require, a direct or contingent beneficiary may elect an Income Plan for his or her share of the Life Insurance Benefit and/or name his or her own beneficiary for the Income Plan value, if any, remaining on his or her death. If no such Income Plan beneficiary is named, then the Income Plan beneficiary for the remaining value, if any, shall be the estate of the deceased direct or contingent beneficiary. Income Plan beneficiaries may continue to receive payments of the remaining value under the terms of the Income Plan in effect on the death of the direct or contingent beneficiary.

**Withdrawal** The remaining value, if any, in an Income Plan may be withdrawn in a lump sum upon the death of all individuals upon whose lives income payments are based. The withdrawal value will be the present value of any unpaid payments for the remaining certain period. The present value will be based on the rate of interest used to determine the amount of the payments.

**Limitations** If a trust is named as a beneficiary and no qualified trustee claims the Life Insurance Benefit within one year after the claim is determined to be payable, payment of the Life Insurance Benefit will be paid as though the trust had not been named as a beneficiary. The Company is not responsible for actions taken by the trustee and will not be charged with notice of any change of trustee unless written evidence of the change is received at the Home Office.

**Payment Frequency** Upon written request, we will make payments once every 3, 6, or 12 months instead of each month.

**Variable Universal Life Plus Prospectus**

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Example: John Doe was the owner and insured of a policy and had elected a single life income plan for a ten-year certain period. Upon his death, in lieu of paying life insurance proceeds from the policy to his wife Jane, his beneficiary, in a lump sum, the Company made reduced amounts of monthly payments to her spread out over that time period while the remaining balance earned interest.

**Exchange for a Fixed Benefit Policy** Depending on your state of issue, we may allow you to exchange your Policy for a life insurance policy with benefits that do not vary with the investment experience of the Separate Account ("Fixed Benefit Policy") at any time within the period allowed by your state provided premiums are paid. We reserve the right to require evidence of insurability. Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insured and will have a Death Benefit at least as great as the initial Death Benefit of your Policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the Policy through the effective date of the exchange and may have tax consequences. An exchange will be effective when we receive a proper written request, as well as the Policy, and any amount due on the exchange.

In addition, irrespective of your state of issue, you may exchange a Policy for a Fixed Benefit Policy if, at any time, a Fund changes its investment adviser, if there is a material change in the investment policies of a Portfolio that was approved by Owners, or the Portfolio is substituted for another portfolio (see "Other Policy Transactions-Substitution of Portfolio Shares and Other Changes"). There may be a cost associated with the exchange. You will be given notice of any such change and will have 60 days to make the exchange.

Example: John Doe lives in California and is the owner and insured of a variable universal life plus policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the underlying portfolios in which the separate account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the Company's requirements, John has up to six more months to exchange his variable policy for a fixed policy without the Company requiring evidence of insurability.

**Paid-up Insurance** Upon written request to the Company, you may change your Policy to Paid-up insurance. Your election to convert to Paid-up insurance is irrevocable. To convert your Policy, the Cash Surrender Value must be at least $1,000 and the Policy must have been in force for at least 18 months from the Policy Date. This feature is not available for policies issued in certain states where the Guideline Premium/Cash Value Corridor Test (see "Minimum Death benefit") was elected at issue. See Appendix B for more information about whether your state of issue affects the availability of Paid-up insurance.

If the request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the effective date of change to Paid-Up insurance will be that date. If the request is not received on a Monthly Processing Date, or on or after the close of trading on the NYSE on a Monthly Processing Date, the change will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.

On the date the Policy is changed to Paid-Up insurance, we deduct any applicable surrender charge and we transfer the Contract Fund Value to the Company's General Account. Any outstanding Policy Debt continues. The Specified Amount will be changed to the Paid-up Specified Amount. The Paid-up Specified Amount is calculated as the Policy Value (after deducting the surrender charge and any withdrawals as of the date of the change) divided by the factor for the Paid-up insurance option shown on the Policy schedule pages. The Death Benefit option will be changed to Option A, and any Death Benefit Guarantee and any additional benefits will be terminated. The definition of life insurance will be changed to the Cash Value Accumulation Test (please see "Death Benefit – Minimum Death Benefit" for more information).

After the transfer, the Policy Value will equal the Contract Fund Value plus any Policy Debt except that Policy Value (excluding loans) will not be less than the Paid-Up Specified Amount multiplied by the factor for the Paid-up insurance shown on the Policy schedule pages ("Guaranteed Minimum Paid-Up Policy Value").

When the Policy is in force as Paid-up insurance, you will not be permitted to make additional Premium Payments, change Death Benefit options or the Specified Amount, or add optional benefits to the Policy. Subject to certain restrictions, you are permitted to make withdrawals and loan repayments and take out additional loans. Loans and withdrawals reduce the Contract Fund Value and may increase the chance the Policy will terminate without value. A withdrawal can be requested by the Owner (see "Surrender and Withdrawals of Policy Value") or may be the result of a return of a portion of Premium Payments that is necessary for the Policy to qualify as life insurance (see "Tax Considerations"). Withdrawals may reduce the Paid-up Specified Amount.

**Variable Universal Life Plus Prospectus**

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The Contract Fund Value will earn interest at an annual effective rate determined by the Company that may change no more frequently than once a year and at no time will the annual effective interest rate be less than the minimum Paid-up Minimum Guaranteed Annual Effective Interest Rate shown in the Policy schedule pages. On any day after the effective date, the Contract Fund Value is equal to the Contract Fund Value at the end of the previous day **plus** any of the following items applicable for the current day:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any loan repayment and accrued loan interest payment made; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any Policy dividend directed to increase the Policy Value;

**minus** any of the following items applicable to the Contract Fund Value for the current day:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● a Monthly Policy Charge;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Policy loans;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● withdrawals; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● service charges.

When the Policy is in force as Paid-Up insurance, the Monthly Policy Charge consists of the Monthly Policy Debt Expense Charge and the Monthly Cost of Insurance Charge. These charges may be reduced in order to ensure the Policy Value is not less than the Guaranteed Minimum Paid-Up Policy Value.

Example: Jane Doe is the owner and insured of a variable universal life plus policy with an Additional Purchase Benefit rider and a Death Benefit Guarantee that has been in force for three years. Her policy has the following characteristics as of a monthly processing date:

Cash Surrender Value = $200,000 <br>Specified Amount = $500,000 <br>Factor for Paid-up Option in the current policy month (from the policy schedule pages) = 0.8

Jane decides she would rather own a paid-up policy that will earn a fixed rate of interest and will not require additional premium payments. Because Jane's policy has the required minimum amount of cash surrender value and has been in force long enough, she is able to convert her policy to a paid-up policy. Her new policy, however, will not have any benefits and the specified amount of her death benefit will be reduced to her policy value divided by the factor set forth in her policy at issue, in this case reducing her specified amount from $500,000 to $250,000 (i.e., $200,000 / 0.8 = $250,000).

**Dollar-Cost Averaging** With Dollar-Cost Averaging ("DCA"), you can arrange to have a designated amount of money (either a fixed dollar amount or a fractional amount) automatically transferred monthly in allowable amounts from the Government Money Market Division into other Division(s) you have chosen. Transfers will end either when the amount in the Government Money Market Division is depleted or when you submit a request to our Home Office to stop such transfers, whichever is earlier. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner's Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at <u>www.northwesternmutual.com</u> ("Electronic Instructions") in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. There is no charge for DCA. We reserve the right to modify or terminate the DCA Plan at any time.

*DCA does not ensure a profit or protect against loss in a declining market. Carefully consider your willingness to continue Premium Payments during periods of declining markets. You should consult your Financial Representative before deciding whether to elect DCA*.

**Portfolio Rebalancing** Over time, portfolio rebalancing helps you maintain your allocations among the Divisions. If you elect portfolio rebalancing, amounts invested in the Divisions are periodically rebalanced in accordance with our procedures, to return your allocation to the percentages you specify. Portfolio rebalancing may reduce amounts allocated to better performing Divisions. **Please note that the SAS Account is not included in portfolio rebalancing.**

You may choose to rebalance monthly, quarterly, semi-annually or annually. We do not charge a transfer fee for portfolio rebalancing. Subject to any limitations imposed by our short-term and excessive trading policies and procedures, you may elect portfolio rebalancing and modify or terminate your election at any time by submitting a request to our Home Office. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner's Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at <u>www.northwesternmutual.com</u> ("Electronic Instructions") in accordance with our then-current Internet procedures provided

**Variable Universal Life Plus Prospectus**

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you have properly authorized us to accept Electronic Instructions in advance of your request. If you make transfers through our website, your portfolio rebalancing will end and you will need to make a new election if you want portfolio rebalancing to continue. We may modify, limit, suspend, or discontinue this feature at any time.

**Asset Allocation Models** The Company currently makes available allocation models at no extra charge for amounts invested in the Divisions. An Owner can select only one model at a time. Each of the four models currently available (Moderately Conservative, Balanced, Aggressive, Very Aggressive) is comprised of a combination of Divisions that hold Portfolios representing various asset classes with various levels of risk tolerance. Generally, the four models can be characterized as follows:

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| | |
|:---|:---|
| **Moderately Conservative** | &nbsp;&nbsp; This combination of Divisions has Portfolios that generally invest in <br> fixed income securities and a mix of equity securities with a majority <br> emphasis on fixed income investments in order to preserve <br> principal, provide liquidity and income and to seek modest growth.<br>|
| **Balanced** | &nbsp;&nbsp; This combination of Divisions has Portfolios that generally invest in a <br> mix of fixed income and equity securities in order to preserve <br> principal and pursue sustained long-term growth without the <br> volatility of high- risk investments.<br>|
| **Aggressive** | &nbsp;&nbsp; This combination of Divisions has Portfolios that generally invest in a <br> mix of equity securities and some fixed income securities in order to <br> primarily pursue long-term growth while willing to accept the <br> volatility associated with high-risk investments.<br>|
| **Very Aggressive** | &nbsp;&nbsp; This combination of Divisions has Portfolios that invest in almost <br> entirely in a variety of equity securities in order to achieve higher <br> potential growth while assuming the risks and higher volatility <br> associated with these securities.<br>|

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An Owner may only select a model which is currently available. Any investment allocations outside of an Owner's original model must be made by the Owner, and will not be made by the Company. The Company does not provide investment advice regarding whether a model should be revised or whether it remains appropriate to invest in accordance with any particular model due to performance, a change in an Owner's investment needs or for other reasons. If an Owner wishes to remove Portfolios from an Owner's model and/or change allocations to a current model, the Owner may do so by notifying us in writing, contacting their Financial Representative or by calling (866) 464-3800. There will be no automatic rebalancing to these models unless the Owner chooses the automatic rebalancing option. **Please note that investment in a model does not eliminate the risk of loss and it does not protect against losses in a declining market. An Owner should contact their Financial Representative for more information about available allocation models (including the <u>specific</u> asset mixes of available models) and whether investment in a model is appropriate for them. Models may not be available for Policies with allocated amounts to the SAS Account.**

Available models may change from time to time, but you must make an affirmative election to change models. The Company reserves the right to modify, suspend, or terminate any asset allocation model at any time without affecting an Owner's current allocation, except in limited circumstances involving a Substitution (see "Substitution of Portfolio Shares and Other Changes" below for more information regarding the substitution of a Portfolio) or the elimination of a Portfolio as an investment option under the Policy pursuant to other applicable SEC regulatory guidance. In that case, allocations in a Portfolio within a model (Original Portfolio) will be transferred to a different Portfolio if the Original Portfolio becomes no longer available (e.g., a substitution, merger, or liquidation), in which case the Company will send written notice in advance of such event. If an Owner is invested in a model that is no longer offered and initiates a change outside of the original model allocations, the Owner will not be able to select the original model (see "Transfers" above for more information about how to change portfolio allocations).

Please note that investment according to an allocation model may result in an increase in assets allocated to Portfolios managed by an investment adviser affiliated with the Company, and therefore a corresponding increase in Portfolio management fees collected by such adviser and may present a conflict of interest.

**Terminal Illness Benefit** This Benefit pays a portion of the policy's death benefit to the Owner when the Company receives proof that is satisfactory to the Company of the Insured's Terminal Illness. If an accelerated death benefit payment is made under this Benefit, the Death Benefit, Specified Amount, Contract Fund Value and Loan Value under this Policy, if applicable, will be reduced.

An accelerated death benefit payment will not be allowed if the Owner is required to request the payment by any third party (including any creditor, governmental agency, trustee in bankruptcy, or any other person) or as the result of a court order. This Benefit may be taxable. Before requesting payment under this Benefit, please consult your legal or tax professionals.

**General Terms**

**The Terminal Illness Death Benefit Amount.** The Terminal Illness Death Benefit Amount for this Benefit will be calculated by the Company and is equal to the Death Benefit at the time this Benefit is requested and does not include dividends payable upon death, if any.

**Variable Universal Life Plus Prospectus**

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**The Eligible Death Benefit Amount**. The maximum amount of Death Benefit that can be accelerated at the time this Benefit is requested and is equal to 75% of the Terminal Illness Death Benefit Amount but shall not exceed $1 million.

**The Requested Death Benefit Amount.** The portion of the Terminal Illness Death Benefit Amount that the Owner requests to be accelerated. This amount must be at least the minimum amount set by the Company which will not exceed $25,000 but not greater than the Eligible Death Benefit Amount.

**Administrative Fee.** A charge up to $250 that the Company may impose to pay for administrative expenses.

**Declared Interest Rate**. The greater of (a) the effective annual yield on 90-day Treasury Bills as of the date of application for an accelerated payment of (b) the rate of the Moody's Corporate Bond Yield Averages – Monthly Average Corporates published by Moody's Investor Services, Inc. or successor thereto, for the calendar month ending two months before the date of request for this Benefit.

**Loan Adjustment**. An amount equal to the Requested Death Benefit Amount divided by the Terminal Illness Death Benefit Amount multiplied by any Policy Debt.

**The Accelerated Payment Amount**. An amount equal to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Requested Death Benefit Amount; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● twelve months of interest on the Requested Death Benefit Amount at the Declared Interest Rate; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Administrative Fee; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Loan Adjustment; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any required minimum premium due from entering either the Policy Grace Period or the Death Benefit Guarantee Grace Period if the Policy is currently in force under the Death Benefit Guarantee.

**Licensed Physician**. A doctor of medicine or osteopathy authorized to practice medicine and surgery by the state in which he or she performs such functions or action in the United States or Canada. The Licensed Physician cannot be the Insured, Owner, or a spouse, mother-in-law, father-in-law, stepparent, or the natural or adoptive brother, sister, parent, grandparent, or child of the Owner or Insured.

**Terminal Illness**. An illness certified by a Licensed Physician that is reasonably expected to result in death six months or less from the date of the certification by the Licensed Physician.

**Terminal Illness Benefit**

The Company will pay an Accelerated Payment Amount to the Owner as an immediate one-time lump sum if:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Insured has a Terminal Illness;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Conditions of Payment are satisfied; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the claim requirements are satisfied.

There is no Monthly Policy Charge associated with this Benefit. The amount payable under this Benefit shall not be less than the amount available upon surrender multiplied by the percentage of the death benefit that is being accelerated.

Any benefits paid under this Benefit, including those paid after the Insured's death but before the Company received notice of that death, will reduce the Death Benefit that is paid on the death of the Insured as described below. This Benefit will not be paid if the Company receives notification of the Insured's death before the Accelerated Payment Amount is sent to the Owner.

**Effect of the Accelerated Payment Amount on Policy Values**

After the Company makes a payment under this Benefit, the Policy remains in force with the following adjustments to the Policy values:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Death Benefit Option is changed to Option A if Option A is not in effect at the time of payment;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Death Benefit will be reduced by the Requested Death Benefit Amount;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Specified Amount will be reduced proportionately to the reduction in Death Benefit;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Eligible Death Benefit Amount will be reduced to zero;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Contract Fund Value will be reduced proportionately to the reduction in Death Benefit (reductions from Contract Fund Value are proportionate among the Divisions and/or the NM Strength and Stability Account in proportion to the amounts in the Divisions and/or the NM Strength and Stability Account);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any Policy Debt will be reduced by the Loan Adjustment;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● if applicable, the Selected Monthly Premium under a Waiver Benefit will be reduced proportionately to the reduction in Death Benefit; and

**Variable Universal Life Plus Prospectus**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● if a Death Benefit Guarantee is active, the Death Benefit Guarantee will be reduced to the new Specified Amount.

Upon payment of the Accelerated Payment Amount, the Company will furnish updated specification pages to reflect the new Policy values, and the Company's liability under this Policy for the Requested Death Benefit Amount ends.

Following payment of the Accelerated Payment Amount, Death Benefit Option changes are not permitted.

**Conditions of Payment**

The Company must receive the Owner's voluntary written request for payment under this Benefit. The Company will pay the Accelerated Payment Amount if all of the following conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Policy is not collaterally assigned;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Policy was not issued by dividing a policy into two or more policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Policy is not the result of a partial term conversion;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the claim has been approved;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Policy is in force; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● if applicable, the Company has received written approval to make a payment under this Benefit from any irrevocable beneficiary.

**Claims for Terminal Illness Benefit**

Before the Accelerated Payment Amount is paid under this Benefit, the Company will require the Owner to provide proof that is satisfactory to the Company of the Insured's Terminal Illness. This proof must include the certification of Licensed Physician describing the Insured's health condition and stating that the condition is reasonably expected to result in death of the Insured in six months or less.

The Company reserves the right to obtain a second opinion as to the Insured's heath at its own expense. In the event of conflicting opinions between the Insured's Licensed Physician and the Licensed Physician of the Company's choice, eligibility for this Benefit will be determined by a third opinion provided by a Licensed Physician that is mutually acceptable to the Company and the Insured. Such third opinion will be at the Company's expense.

**Request for Claim**. To make a claim for this Benefit, the Company must receive a written request from the Owner. The request should:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● include the Insured's name, Policy number, and Requested Death Benefit Amount; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● be sent to the Company or be given to an authorized agent of the Company.

**Claim Forms.** The Company will furnish claims forms within 15 days after receiving notice of claim. These forms must be completed by the Owner, the Insured (or the Insured's representative if the Insured is incapable), and the Insured's Licensed Physician. If these forms are not furnished by the Company within the 15-day period, this initial written proof of the Insured's Terminal Illness may be made by providing a written statement of the Terminal Illness without the use of the Company forms.

**Payment.** Any payments made under this Benefit will be paid to the Owner or Owner's Estate while the Insured is living, unless the Benefit has been otherwise assigned or designated by the Owner. Claims under this Benefit must be requested voluntarily by the Owner. This Benefit provides for the payment of a portion of the proceeds of this Policy normally payable at the death of the Insured. This Benefit is not meant to cause the Owner to involuntarily obtain proceeds that ultimately would be payable to the Beneficiary.

**Authorizations.** The Company will furnish the Insured (or his or her representative if the Insured is incapable) with authorizations to obtain and disclose medical records. These authorizations must be signed by the Insured without alterations and returned to the Company.

**Termination**

This Benefit will terminate on the earliest of the following dates:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the date on which a payment has been paid under this Benefit;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the date on which the Home Office receives the Owner's written request to terminate this Benefit; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the date of termination of the Policy.

Following is a hypothetical example of how the Terminal Illness Benefit works. The example is provided for illustrative purposes only and is in no way representative of actual policy values.

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**<u>Example:</u>** 

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| |
|:---|
| **<u>Policy Values Before Terminal Illness Payment</u>** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Death Benefit = $200,000<br> Specified Amount = $200,000<br> Contract Fund Value = $50,000<br>|

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

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| | |
|:---|:---|
| **<u>Terminal Illness Benefit Payment Calculation</u>** | **<u>Terminal Illness Benefit Payment Calculation</u>** |
| Eligible Insurance Amount = 0.75 \* $200,000 = $150,000\*\* | Eligible Insurance Amount = 0.75 \* $200,000 = $150,000\*\* |
| \*\*Eligible Insurance Amount cannot exceed $1,000,000 as defined in the Policy | \*\*Eligible Insurance Amount cannot exceed $1,000,000 as defined in the Policy |
| Requested Death Benefit Amount = $150,000 | Requested Death Benefit Amount = $150,000 |
| Policy Debt = $10,000 | Policy Debt = $10,000 |
| Interest Rate = 0.05 (for illustration purposes) | Interest Rate = 0.05 (for illustration purposes) |
| Loan Adjustment = $150,000 / $200,000 \* $10,000 = $7,500 | Loan Adjustment = $150,000 / $200,000 \* $10,000 = $7,500 |
| The Accelerated Payment Amount is equal to: | The Accelerated Payment Amount is equal to: |
| Requested Death Benefit | $150000 |
| Twelve months of interest | -$150,000 \* (1 - (1.05) ^ -1) = $7,142.86 |
| Administrative Fee | -$250 |
| Loan Adjustment | -$7500 |
| Accelerated Payment Amount | $135107.14 |

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

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| |
|:---|
| **<u>Policy Values After Terminal Illness Payment</u>** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Death Benefit = $200,000 - $150,000 = $50,000<br> Specified Amount = $200,000 – ($200,000 x 75%) = $50,000<br> Contract Fund Value = $50,000 – ($50,000 x 75%) = $12,500<br> Policy Debt = $10,000 - $7,500 = $2,500<br>|

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Surrender and Withdrawals

**Surrender** You may surrender your Policy for the Cash Surrender Value at any time while the Insured is alive and the Policy is in force. Where allowable by applicable law, a Policy Owner's Financial Representative may provide us with surrender instructions on behalf of a Policy Owner subject to our current procedures, rules and requirements. The Cash Surrender Value will change daily in response to the investment performance of the Divisions in which you are invested. We determine the Cash Surrender Value on the date your request for surrender is effective. Requests for surrenders will be effective on the Valuation Date on or next following the date we receive your request in Good Order at our Home Office. Requests received before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Valuation Date are deemed to be received and effective on that Valuation Date. If received on or after the close of trading on a Valuation Date, or a day other than a Valuation Date, requests are deemed to be received and effective on the next Valuation Date. If your request is not in Good Order, either we or your Financial Representative may notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.

We do not guarantee any minimum Cash Surrender Value. We may require you to return your Policy to our Home Office when you request a surrender of the Policy. We will pay surrender proceeds in a lump sum or under an Income Plan option you select. (See "Other Benefits Available Under the Policy—Income Plans.") A surrender charge will apply to surrenders during the first ten Policy Years (see "Charges and Deductions") and a surrender may have tax consequences (see "Tax Considerations.")

**Withdrawals** Upon written request received at our Home Office at any time while the Insured is alive and the Policy is in force, you may make a withdrawal, subject to the Company's right to assess a charge in an amount up to $25 per withdrawal (currently waived). Where allowable by applicable law, a Policy Owner's Financial Representative may provide us with withdrawal instructions on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may make no more than four withdrawals in a Policy Year. 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 (net of any applicable service charge) to less than the Policy Debt;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● for a Policy with Death Benefit Option A, withdraw an amount which would reduce the Specified Amount to less than the minimum Specified Amount required for issuance of a Policy at the time of withdrawal, unless this Policy is in force under Paid-up insurance (see "Other Benefits Available Under the Policy—Paid-up Insurance"); or

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● reduce the Cash Surrender Value to less than the sum of three times the most recent Monthly Policy Charge.

A withdrawal may also have tax consequences. (See "Tax Considerations"). A withdrawal may also decrease the Specified Amount used to determine the Death Benefit. Specifically, unless the Policy is in force under Paid-up insurance, if Death Benefit Option A is in effect at the time of withdrawal, the Specified Amount will be reduced by the amount withdrawn less the excess, if any, of the result of (a) divided by (b) where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) is the Policy Value immediately prior to the withdrawal; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) is the Specified Amount divided by the Minimum Death Benefit Percentage (shown in the Policy schedule pages) applicable at the time of the withdrawal.

Written requests for withdrawals will be processed and effective on the Valuation Date on or next following the date we receive your request in Good Order at our Home Office. Requests received before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Valuation Date are deemed to be received and effective on that Valuation Date. If received on or after the close of trading on a Valuation Date, or a day other than a Valuation Date, requests are deemed to be received and effective on the next Valuation Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements. On the Valuation Date on which a withdrawal from the Policy Value is effective, Contract Fund Value will be reduced by the amount of the withdrawal and any applicable charges. The amount of the withdrawal must be allocated first among the Divisions in proportion to the amounts in each Division, with any excess amount allocated to amounts in the SAS Account (first from the Tier Two Balance, then the Tier One Balance).

Policy Loans

At any time while the Insured is alive and the Policy is in force, using the Policy as security, you may submit a request for a loan that is secured by the Contract Fund Value. The loan must be in an amount that, when added to existing Policy Debt, is not greater than your Loan Value. You may increase the risk that your Policy will lapse (terminate with no value) if you take a loan. A Policy loan or unpaid interest may have tax consequences. (See "Tax Considerations"). Loan requests can be made in writing (including via facsimile, or under limited circumstances, by email). Eligible Owners may also submit loan requests by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner's Financial Representative may provide us with policy loan instructions on behalf of a Policy Owner subject to our current procedures, rules and requirements. They will be processed based on the date and time they are received in the Home Office. Requests will be effective on the Valuation Date or on the next date we receive your request in Good Order at our Home Office. Requests received before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Valuation Date are deemed to be received and effective on that Valuation Date. If received on or after the close of trading on a Valuation Date, or a day other than a Valuation Date, requests are deemed to be received and effective on the next Valuation Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.

We charge interest on Policy loan amounts. We also credit you with interest on amounts we set aside as collateral for those amounts. The loan rates are adjustable. The annual loan interest rate (Annual Market Loan Rate on Policy Loans) applied to loan amounts is set by the Company every January 1<sup>st</sup>. The maximum rate shall not exceed the greater of the minimum guaranteed annual effective interest rate for the SAS Account Tier One Balance plus 1% (or 2.5%) or the Moody's Corporate Bond Yield Averages-Monthly Average Corporates rate for the immediately preceding October (or substantially similar average established by the insurance supervisory official of the state of issue). The Company will not change the rate unless the maximum rate of interest is 0.5% or more above or below the then-current loan interest rate. The Company will give notice of the initial loan interest rate in effect at the time a Policy loan is made and if there is a change in loan interest rate no later than 30 days before the January 1<sup>st</sup> on which the change takes effect. Your state of issue may provide for a maximum guaranteed rate (see Appendix B for more details). This Policy will not terminate during a Policy Year as the sole result of an increase in the loan interest rate during such Policy Year.

Interest is due and payable on each Policy Anniversary. If interest is not paid when due, we will add accrued and unpaid interest to the principal loan balance, which consists of outstanding loans and interest added to principal. Policy Debt reduces the Cash Surrender Value and the amount payable on death, and may cause the Policy to lapse, subject to the terms of any applicable Death Benefit Guarantee and Grace Period. (See "Termination and Reinstatement").

As collateral for a Policy loan, the Company will take an amount equal to the loan from the Separate Account Divisions in proportion to the amounts in the Divisions first, with any excess deducted from the SAS Account (first from the Tier One Balance, then the Tier Two Balance). Borrowed amounts from the Divisions will not participate in the Separate Account's investment results while the loan is outstanding. We will also deduct a Policy Debt Expense Charge on each Monthly Processing Date while there is Policy Debt. The Monthly Policy Debt Expense Charge is included in the Monthly Policy Charge. (See "Charges and Deductions—Monthly Policy Charges and Service Charges"). A Policy loan, even if you repay it, may have a permanent

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effect on the Policy Value, Contract Fund Value, the Cash Surrender Value, and the Death Benefit because loan amounts from the Divisions do not participate in the Separate Account's investment results while the loan is outstanding. We deduct any Policy Debt from the Policy Value upon surrender and from the Life Insurance Benefit payable on the Insured's death.

You may repay a Policy loan, including any accrued interest outstanding, in whole or in part, at any time while the Insured is alive and the Policy is in force. Upon each such payment, we will transfer an amount equal to the payment amount from our General Account first to the SAS Account Tier Two Balance, if any collateral was taken out of the SAS Account. Any payment made in excess of the collateral taken from the SAS Account will be applied to the Divisions of the Separate Account and/or SAS Account in accordance with the Premium Payment allocation instructions then in effect. We will credit those payments when we receive them in our Home Office. If we receive your payment before the close of trading on the NYSE on a Valuation Date, we will process your payment as of that Valuation Date. If we receive your payment on or after the close of trading on a Valuation Date, or on a day that is not a Valuation Date, we will process your payment as of the next Valuation Date. Loan repayments are not subject to transaction fees.

If there is Policy Debt, payments received at our Home Office will be treated as payments to reduce Policy Debt unless designated as Premium Payments.

Termination and Reinstatement

Unless the Death Benefit Guarantee is in effect, if the Cash Surrender Value is less than the Monthly Policy Charge on any Monthly Processing Date, your Policy will enter into the Policy Grace Period, a 61 day period. At the end of the Policy Grace Period, the Policy will terminate (or lapse) with no value and your insurance coverage will end, unless you submit a payment to keep the Policy in force. The Policy Grace Period begins on the date that we send you a notice. The notice will indicate the minimum payment amount required to keep the Policy 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 that were due and unpaid before the end of the Policy Grace Period and premium to cover Monthly Policy Charges for three months. Upon receipt of the payment, we will allocate the Net Premium, to the Divisions and/or the SAS Account, based on your allocation instructions then in effect subject to any applicable restrictions. We will also deduct any accumulated due and unpaid Monthly Policy Charges. Payments received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Valuation Date are deemed to be received and credited on that Valuation Date. If they are received after the close of trading on a Valuation Date, or on a day other than a Valuation Date, they are deemed to be received and credited on the next Valuation Date. If your payment is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your payment to our then-current requirements. If the Insured dies during the Policy Grace Period, we will deduct any Monthly Policy Charges due and unpaid from the Life Insurance Benefit.

After your Policy has terminated, 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, you must make a payment equal to an amount that will cover all Monthly Policy Charges that were due and unpaid before the end of the Policy Grace Period and premium to cover Monthly Policy Charges for three months. If we approve the Application for reinstatement, and the Application was received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the effective date of the reinstated Policy will be that date. If the Application is not received on a Monthly Processing Date, or was received on or after the close of trading on the NYSE on a Monthly Processing Date, the reinstated Policy will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements. Any Policy Debt that was outstanding when the Policy terminated will also be reinstated.

On the effective date of the reinstatement, the Policy Value will be equal to the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Net Premium paid upon reinstatement; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● any Policy Debt on the termination date;

**<u>minus</u>** the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● all Monthly Policy Charges due and unpaid prior to the expiration of the Policy Grace Period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the Monthly Policy Charge due on the reinstatement effective date.

Please note that Net Premium paid upon reinstatement will not include any interest from the date of the lapse.

Upon reinstatement, your Policy Date will not change and your Death Benefit option will remain the same as of the date of lapse. Your Cash Surrender Value will equal the new Policy Value (see above) minus any Policy Debt. Therefore, fees and charges that vary by Policy year will take into account the period of time your Policy was terminated. If a surrender charge was assessed at the time of lapse, the Policy Value when a Policy is reinstated will include a credit for such surrender charge. The same surrender charge schedule in your Policy will apply upon reinstatement. On the later of the effective date of the reinstatement

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or the date we approve the Application for reinstatement, subject to applicable restrictions we will allocate the Policy Value less any Policy Debt among Divisions and/or the SAS Account based on the allocation instructions then in effect, if such date is a Valuation Date. If such date is not a Valuation Date, then we will allocate this amount on the next Valuation Date.

For a discussion of the tax effects associated with termination and reinstatement of a Policy, see "Tax Considerations."

Other Policy Transactions

**Transfers** Subject to the limitations on short-term and excessive trading discussed below, you may transfer between and among the Divisions and/or any available fixed option, so long as you are invested in no more than 30 Divisions at a time. Currently, transfer requests involving the Government Money Market Division and the SAS Account are subject to special restrictions (see "Restrictions on Amounts in the SAS Account and Government Money Market Division).

Transfer requests will be effective on the Valuation Date on or next following the date we receive your request in Good Order at our Home Office. Requests received before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Valuation Date are deemed to be received and effective on that Valuation Date. If received on or after the close of trading on a Valuation Date, or a day other than a Valuation Date, requests are deemed to be received and effective on the next Valuation Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.

In order to take full advantage of these features, you should carefully consider, on a continuing basis, which options are best suited to your long-term investment needs. Although no fee is currently charged, we reserve the right where allowed by state law to charge a transfer fee of $25. We would deduct this charge from Contract Fund Value. See "Charges and Deductions" for more information. In addition, certain Portfolios in which the Divisions invest may impose redemption fees. These fees are described in the Portfolios' prospectuses. Where allowed by state law, the Company reserves the right to impose a minimum and/or maximum size on transfer amounts. Transfer requests from the Divisions must be in amounts greater than or equal to 1% of assets in the Divisions or the request will not be processed. Your Financial Representative may provide us with instructions on your behalf involving the transfers, subject to our rules and requirements and any restrictions noted in this Prospectus.

You may request transfers in writing (including via facsimile or, under limited circumstances, by email) or by calling Advanced Markets Operations at (866) 464-3800. Where allowable by applicable law, a Policy Owner's Financial Representative may provide us with transfer instructions on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit transfer instructions via the Internet at <u>www.northwesternmutual.com</u> in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. For more information see "Owner Inquiries." Please note that we are not required to accept Electronic Instructions and we will not be responsible for losses resulting from transactions based on unauthorized Electronic Instructions, provided we follow procedures reasonably designed to verify the authenticity of Electronic Instructions. We reserve the right to limit, modify, suspend or terminate the ability to make transfers via Electronic Instructions.

**Short-Term and Excessive Trading** Short-term and excessive trading (sometimes referred to as "market timing") may present risks to a Portfolio's long-term investors, such as Owners and other persons who may have material rights under the Policy (*e.g.*, beneficiaries), because it can, among other things, disrupt Portfolio investment strategies, increase Portfolio transaction and administrative costs, require higher than normal levels of cash reserves to fund unusually large or unexpected redemptions, and adversely affect investment performance. These risks may be greater for Portfolios that invest in securities that may be more vulnerable to arbitrage trading including foreign securities and thinly traded securities, such as small cap stocks and non-investment grade bonds. These types of trading activities also may dilute the value of long-term investors' interests in a Portfolio if it calculates its net asset value using closing prices that are no longer accurate. Accordingly, we discourage market timing activities.

To deter short-term and excessive trading, we have adopted and implemented policies and procedures which are designed to control abusive trading practices. We seek to apply these policies and procedures uniformly to all Owners, except to the extent we are prevented from doing so under applicable state or federal law or regulation. Any exceptions must be either expressly permitted by our policies and procedures or subject to an approval process described in them. Because exceptions are permitted, it is possible that investors may be treated differently and, as a result, some may be allowed to engage in trading activity that might be viewed as market timing.

Among the steps we have taken to reduce the frequency and effect of these practices are monitoring trading activity and imposing trading restrictions, including the prohibition of more than twelve transfers among Divisions under a single Policy during a Policy Year. Multiple transfers with the same effective date made by the same Owner will be counted as a single transfer for purposes of applying the twelve transfer limitation. Further, a Policy Owner who is identified as having made a transfer in and out of the same Division, excluding the Government Money Market Division, ("round trip transfer") in an amount in excess of $10,000 within fourteen calendar days will be restricted from making additional transfers if a total of three round trips are made within that same Policy Year or two round trip transfers are made within any subsequent year. The restriction will

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last until the next Policy Anniversary and the Policy Owner will be sent a letter informing him or her of the restriction. An Owner who is identified as having made one round trip transfer within thirty calendar days aggregating more than one percent (1%) of the total assets of the Portfolio underlying a Division, excluding the Government Money Market Division and the Divisions corresponding to the Portfolios of the Russell Investment Funds LifePoints<sup>®</sup> Variable Target Portfolio Series, will be restricted from making additional transfers if a total of two round trips are made within that same Policy Year or one round trip transfer is made within any subsequent year. The restriction will last until the next Policy Anniversary and the Policy Owner will be sent a letter informing him or her of the restriction. Unless we believe your trading behavior to be inconsistent with these short-term and excessive trading policies, these limitations will not apply to automatic asset transfers, scheduled or systematic transactions involving portfolio rebalancing, dollar cost averaging, initial allocations or changes in future allocations, to the extent these features are available under your Policy. Once a Policy is restricted, we will allow one additional transfer into the Government Money Market Division until the next Policy Anniversary. Additionally, in accordance with our procedures, we may modify some of these limitations to allow for transfers that would not count against the total transfer limit but only as necessary to alleviate any potential hardships to Owners (e.g., in situations involving a substitution of an underlying fund). These limitations are not intended to supersede any limits that may be imposed on the Government Money Market Division (see "Restrictions on Amounts in the SAS Account and Government Money Market Division").

We may change these policies and procedures from time to time in our sole discretion without notice; provided, however, Owners will be given advance, written notice if the policies and procedures are revised to accommodate market timing. Additionally, the Funds may have their own policies and procedures described in their prospectuses that are designed to limit or restrict frequent trading. Such policies may be different from our policies and procedures, and may be more or less restrictive. As the Funds may accept purchase payments from other investors, including other insurance company separate accounts on behalf of their variable product customers and retirement plans, we cannot guarantee that the Funds will not be harmed by any abusive market timing activity relating to the retirement plans and/or other insurance companies that may invest in the Funds. The Funds' policies and procedures may provide for the imposition of a redemption fee and may require us to provide transaction information to the Fund (including an Owner's tax identification number) and to restrict or prohibit transfers and other transactions that involve the purchase of shares of a Portfolio. In the event a Fund instructs us to restrict or prohibit transfers or other transactions involving shares of a Portfolio, you may not be able to make additional purchases in a Division until the restriction or prohibition ends. If you submit a request that includes a purchase or transfer into such a restricted Division, we will consider the request "not in Good Order" and it will not be processed. You may, however, submit a new transfer request.

If we believe your trading activity is in violation of, or inconsistent with, our policies and procedures or otherwise is potentially disruptive to the interests of other investors, you may be asked to stop such activities and future investments, and allocations or transfers by you may be rejected without prior notice. Because we retain discretion to determine what action is appropriate in a given situation, investors may be treated differently and some may be allowed to engage in activities that might be viewed as market timing.

We intend to monitor events and the effectiveness of our policies and procedures in order to identify whether instances of potentially abusive trading practices are occurring. However, we may not be able to identify all instances of abusive trading practices, nor completely eliminate the possibility of such activities, and there may be technological limitations on our ability to impose restrictions on the trading practices of Owners.

**Substitution of Portfolio Shares and Other Changes** When permitted by law and subject to any required regulatory approvals, we reserve the right to eliminate a Portfolio and to substitute another Portfolio or mutual fund for such Portfolio (or substitute a class of shares of an existing Portfolio for a different class of the same Portfolio) if the shares of the Portfolio are no longer available for investment or, in our judgment, further investment in the shares of the Portfolio is no longer appropriate.

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Charges and Deductions

**Premium Expense Charges** We deduct a charge of 2.00% from each Premium Payment for state premium taxes that we incur (Premium Tax Charge). Premium taxes vary from state to state, and some jurisdictions within a state may charge an additional premium tax in certain circumstances. We charge 2.00% regardless of the state (or other jurisdiction) in which you live. The total tax rate for the state (and/or other jurisdiction) in which you live may be lower, higher, or equal to the 2.00% deduction. This charge may increase or decrease in the future to cover these taxes.

We deduct a charge from each Premium Payment for the cost of a portion of our federal corporate income taxes attributable to policy acquisition expenses (Federal Deferred Acquisition Cost 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. We currently make a charge of 0.55% against each Premium Payment to compensate us for the additional corporate tax burden. We believe that this charge does not exceed a reasonable estimate of an increase in our federal income taxes resulting from a change in the Internal Revenue Code relating to deferred acquisition costs. This charge may increase or decrease in the future to reflect changes in tax laws.

We deduct a charge, or sales load, from each Premium Payment for sales costs. This charge is a percentage of Premium Payments and is a function of the premium paid relative to the Target Premium. For Premium Payments up to the Target Premium in Policy Years 1-10, the percentage is 6.95%. For Premium Payments in excess of the Target Premium in Policy Years 1-10, the percentage is 5.60%. For Premium Payments up to the Target Premium in Policy Years 11-20, the percentage is 3.95%. For Premium Payments in excess of Target Premium in Policy Years 11-20, the percentage is 5.60%. There is no sales load charge deduction for premiums received in Years 21+.

We expect to recover distribution expenses from this amount over the period while the Policies are in force, and from the surrender charges described below. The amounts we deduct for distribution expenses (e.g., selling and advertising) in a Policy Year are not specifically related to distribution expenses incurred that year. To the extent that distribution expenses exceed the amounts deducted, we will pay the expenses from our other assets. These assets may include, among other things, any gain realized from the monthly charge against Contract Fund Value. (See "Monthly Policy Charges and Service Charges.") To the extent that the amounts deducted for distribution expenses exceed the amounts needed, we will realize a gain.

**Monthly Policy Charges and Service Charges** We deduct a Monthly Policy Charge from Contract Fund Value on each Monthly Processing Date. The Monthly Policy Charge includes the monthly Cost of Insurance Charge, the monthly Percent of Contract Fund Value Charge, the monthly Administrative Charge, the monthly Underwriting and Issue Charge, the monthly Specified Amount Charge, and, if applicable, the monthly Policy Debt Expense Charge, the monthly Death Benefit Guarantee Charge, and the monthly charge for optional benefits. These components of the Monthly Policy Charge are described in the following paragraphs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Monthly Cost of Insurance Charge.* We determine the amount of the charge by multiplying the net amount at risk by the cost of insurance rate, which is based on factors including but not limited to the Issue Age, sex, and underwriting classification of the Insured, the underwriting amount, and the Policy Year. The net amount at risk is the difference between the Death Benefit (or the Guaranteed Minimum Death Benefit if the Policy is in force under the Death Benefit Guarantee) and the Policy Value. The net amount at risk will be affected by investment performance, the amount and timing of Premium Payments, and the charges and expenses for the Policy. The maximum cost of insurance rates are included in the Policy schedule pages. All things being equal, higher Issue Ages and/or worse underwriting classifications will result in higher cost of insurance rates, and men will pay higher rates than women. In addition, cost of insurance rates will generally increase each Policy Year. The Cost of Insurance Charge covers the cost of mortality and some expenses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Monthly Percent of Contract Fund Value Charge.* The Monthly Percent of Contract Fund Value Charge covers a portion of the costs of selling and administering the Policy. Our revenues attributable to this charge may exceed costs covered by this charge, in which case we may realize a gain.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Monthly Administrative Charge.* This charge, which varies based on factors including but not limited to the Insured's Issue Age, underwriting classification on the Date of Issue, and the Policy Year, is for administrative expenses, including costs of Premium Payment collection, processing claims, keeping records and communicating with Owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Monthly Specified Amount Charge*. This charge applies only during the first ten Policy Years and is based on factors, including, but not limited to, the Initial Specified Amount, the Insured's Issue Age and the underwriting classification of the Insured on the Date of Issue. The Monthly Specified Amount Charge covers a portion of the costs of selling the Policy. Our revenue attributable to this charge may exceed costs covered by this charge, in which case we may realize a gain.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Monthly Underwriting and Issue Charge*. This charge applies only during the first ten Policy Years and is based on the application date, the Initial Specified Amount, the Insured's Issue Age and the underwriting classification of the Insured on the Date of Issue. The Monthly Underwriting and Issue Charge covers the cost of underwriting and issuing the Policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Monthly Death Benefit Guarantee Charge.* This charge compensates us for the risk we have assumed by guaranteeing the Guaranteed Minimum Death Benefit.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Monthly Policy Debt Expense Charge.* This charge is for the expenses and taxes associated with Policy Debt, if any, and encompasses any loan interest spread. A loan interest spread is the difference between the interest rate charged on policy loan amounts and the interest rate credited on amounts designated as collateral for such loans. (Please see "Policy Loans" for more information on how the loan interest rate is calculated.) This charge is deducted from Contract Fund Value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Additional Purchase Benefit Charge*. This charge compensates us for the Additional Purchase Benefit (see "Other Benefits Available Under the Policy-Additional Purchase Benefit") if selected. The charge for this optional benefit varies based on the Insured's Attained Age at the time the benefit is added to the policy, the Insured's gender, and the amount of the benefit.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● *Waiver Benefit: Selected Monthly Premium Benefit.* The charge for a waiver upon total disability benefit is deducted if the benefit is selected. This charge may vary based on factors including but not limited to the Insured's Attained Age and underwriting classification, and the amount of the benefit, and may increase from year to year. For substandard risks, the charges may be increased by a multiple of up to 4.0 times the standard risk rate.

We also charge certain transaction fees (also referred to as service charges) to be deducted from Contract Fund Value on the dates on which transactions take place. These service charges are $25 per change if more than one change occurs in Specified Amount in a Policy Year, $25 per withdrawal, $25 per transfer of assets among the Divisions and/or the NM Strength and Stability Account, $25 per illustration of the Policy's benefits and/or values if more than one request for an illustration occurs in a Policy Year and $25 per change of the Death Benefit option. Currently we waive all of these fees.

You may have the option of receiving funds via wire transfer or priority mail. Currently, a fee of up to $25 is charged for wire transfers (up to $50 for international wires) and a $15 fee (up to $45 for next day, a.m. delivery) for priority mail. These fees are to cover our administrative costs or other expenses. We may discontinue the availability of these options at any time, with or without notice.

Unless another Policy provision or rider dictates, deductions from Contract Fund Value are apportioned among the Divisions and/or the NM Strength and Stability Account in proportion to the amounts invested in the Divisions and/or the SAS Account. Deductions from the SAS Account are applied to the Tier Two balance first.

A surrender charge will be deducted from Contract Fund Value only during the first ten Policy Years if the Policy is surrendered or changed to the Paid-up insurance. The surrender charge during the first through fifth Policy Year is a percentage of the Target Premium, where the percentage varies by Issue Age, but never exceeds 50% of the Target Premium. After the fifth Policy Year, the surrender charge grades down monthly in Policy Years six through ten to zero.

All charges in this section expressed in dollars have been rounded to the nearest dollar, where appropriate. Amounts that would round to zero have been rounded to the nearest penny or less, as necessary.

**Expenses of the Portfolios** The value of the net assets of each Division reflects the management fees and other expenses incurred by the corresponding Portfolio in which the Division invests. For certain Portfolios, certain expenses may have been reimbursed or fees may have been waived during 2025 in addition to any contractual fee waiver or reimbursements. It is anticipated that any such voluntary expense reimbursement and fee waiver arrangements would continue past the current year, although certain arrangements may be terminated at any time. After taking into account these arrangements, as well as any contractual fee waiver or expense reimbursement arrangements, Annual Portfolio Operating Expenses would have ranged from a minimum of [To be updated by amendment] to a maximum of [To be updated by amendment]. (See "Fee and Expense Tables—Annual Portfolio Operating Expenses" and Appendix A.)

**Commissions Paid to Financial Representatives** The maximum commission payable to the registered representative who sold the Policy is 42.5% of Target Premium and 2.75% of Premium Payments in excess of that amount during the first Policy Year; 6% of Target Premium and 2.75% of Premium Payments in excess of that amount paid in Policy Years 2-10; and 1.5% of Premium Payments thereafter. Registered representatives may receive less than the maximum commission or no commission in certain circumstances according to pre-established guidelines. We may also pay new registered representatives differently during a training period. In addition, a commission of 0.07% of Contract Fund Value is paid at the end of Policy Years 2 and later. The entire amount of sales commissions paid to registered representatives is passed through Northwestern Mutual Investment Services, LLC ("NMIS"), our wholly-owned company, to the registered representative who sold the Policy and to his or her managers. The Company pays compensation and bonuses for the management team of NMIS, and other expenses of distributing the Policies.

**Variable Universal Life Plus Prospectus**

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Other Policy Provisions

**Naming a Beneficiary** You must name a beneficiary on your Application at the time you apply for your Policy, but you may change the beneficiaries (direct, contingent or further payees) you designate while the Insured is living. Naming or changing a beneficiary will be made after receipt of your written request in our Home Office in Good Order, effective as of the date you sign your request. Any beneficiary change terminates all rights under previous beneficiary designations. We will not be responsible for any payment or other action we take with respect to your Policy before we receive your written request, and we may require the Policy to be sent to us for endorsement to reflect the beneficiary change. If you do not name a beneficiary or your direct and contingent beneficiaries are not living when the Life Insurance Benefit becomes payable, you, as Owner, or your estate if you are deceased, will receive the proceeds.

**Incontestability** We will not contest a Policy after it has been in force during the lifetime of the Insured for two years from the Date of Issue or the date of reinstatement (or earlier, as required by state law), except in cases of fraudulent misstatement, which may be contested at any time unless restricted by your state of issue. We will not contest a change (including an increase in the amount of insurance) to the Policy that was subject to insurability requirements after the change has been in force during the lifetime of the Insured for two years from the date of the change except in cases of fraudulent misstatement, which may be contested at any time unless restricted by your state of issue. After the two year period, to the extent permitted by state law we may rescind the Policy if the application contains a fraudulent misstatement.

**Suicide** If the Insured dies by suicide within two years from the Date of Issue (or earlier, if a shorter period is stated in the contract or required by state law), the amount payable under the Policy will be limited to the Premium Payments, less the amount of any Policy Debt and withdrawals. If the Insured dies by suicide within two years of the date of issuance (or earlier, if a shorter period is stated in the contract or required by state law) of a change in the Policy that was subject to insurability requirements, the amount payable will be an amount that would have been paid had no change been made less any applicable charges attributable to the change. The amount payable may be different in your state.

**Misstatement of Age or Sex** If the age or sex of the Insured has been misstated, the Policy will be modified by recalculating all values and benefits based on the correct age and sex.

**Collateral Assignment** If deemed acceptable by the Company, under certain circumstances and pursuant to the terms of your Policy you may assign a Policy as collateral security. We are not responsible for the validity or effect of a collateral assignment and we will not be deemed to know of an assignment before receipt of the assignment in writing at our Home Office even if effect of such assignment is given as of the time the Owner signs the assignment. The interests of any beneficiary will be subject to any collateral assignment made either before or after any beneficiary is named. The collateral assignee is not an Owner. A collateral assignment is not a transfer of ownership. (See "Ownership Rights"). Any such assignment will be subordinate to any assignment to the Company for loans regardless of the date of the loan.

**Deferral of Determination and Payment** We will ordinarily pay Policy Benefits (i.e., Policy loans, Cash Surrender Value, and withdrawals) within seven days after we receive all required documents at our Home Office. However, we may defer determination and payment of benefits if:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the NYSE is closed, other than customary weekend and holiday closings, or trading on the NYSE is restricted as determined by the SEC; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the SEC permits, by an order, the postponement of any payment for the protection of Owners; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● the SEC determines that an emergency exists that would make the disposal of securities held in the Separate Account or the determination of their value not reasonably practicable; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● such suspension or postponement is otherwise permitted by the 1940 Act.

If, under SEC rules, the Government Money Market Portfolio suspends payments of redemption proceeds in connection with a liquidation of the Portfolio, we will delay payment of any transfer, partial surrender, surrender, death benefit from the Government Money Market Division until the Portfolio is liquidated.

When the Policy is in force as Paid-up insurance or for the portion of the Cash Surrender Value invested in the NM Strength and Stability Account, we may defer paying the Cash Surrender Value for up to six months from the date of surrender. If payment is deferred for 30 days or more, interest will be paid on the Cash Surrender Value at an annual effective rate determined by the Company (currently 1.25%) from the date of surrender to the date of payment (or as otherwise required by state law). We may also defer payment of a Policy loan or withdrawal for up to six months.

If you have submitted a check or draft to our Home Office, we have the right to defer payment of Life Insurance Benefit, surrender, withdrawal, loan, or Income Plan proceeds until the check or draft has been honored.

**Variable Universal Life Plus Prospectus**

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If mandated under applicable law, we may be required to freeze an Owner's Policy Value and thereby refuse to pay any requests for transfer, withdrawal, surrender, loans, or Life Insurance Benefit, until instructions are received from the appropriate regulatory or other lawful authority. We may also be required to provide additional information about you, your Policy, and your trading activities to government regulators.

In reliance on relief from the SEC staff ("SEC Relief"), we may temporarily delay the payment of proceeds from a surrender, withdrawal or Policy loan attributable to the Divisions if we reasonably believe that financial exploitation of an Policy Owner, who is (i) age 65 or older, or (ii) age 18 or older who we reasonably believe has a mental or physical impairment that renders them unable to protect their own interests, has occurred, is occurring, has been attempted, or will be attempted. Subject to the conditions of the SEC Relief, payment of the proceeds may be delayed for up to 55 Valuation Dates. During the period of any such payment delay, the proceeds will be held in the Division of the Separate Account that invests in the Government Money Market Portfolio as we investigate and work with appropriate regulatory and other lawful authorities to resolve the matter. No later than two Valuation Dates after the temporary hold has been imposed, we will provide oral or written notice of the temporary hold and the reason for the temporary hold to the Policy Owner, a trusted contact person the Policy Owner previously identified to us and any other person(s) eligible to submit orders related to the Policy, unless we suspect that other person(s) of having engaged in, engaging in, having attempted or attempting financial exploitation of the Policy Owner.

**Dividends** This Policy is eligible to share in the divisible surplus, if any, of the Company. Each year we determine, in our sole discretion, the amount and appropriate allocation of divisible surplus. Divisible surplus allocated to your Policy is referred to as a "dividend." The Policy's share, if any, will be credited as an annual dividend on the Policy Anniversary.

There is no guaranteed method or formula for the determination or allocation of divisible surplus. The Company's approach is subject to change. There is no guarantee of divisible surplus. Even if there is a divisible surplus, the payment of a dividend on the Policy is not guaranteed. It is not expected that any dividends will be payable on the Policy.

We will credit annual dividends, if any, in cash or you may use them to increase the Policy Value. If you do not provide direction as to the use of dividends, we will use them to increase the Contract Fund Value. Dividends used to increase the Contract Fund Value will be allocated according to the allocation for Net Premiums then in effect.

Voting Rights

As long as the Separate Account continues to be registered as a unit investment trust under the 1940 Act, and as long as Separate Account assets of a particular Division are invested in shares of a given Portfolio, we will vote the shares of that Portfolio held in the Separate Account in accordance with instructions we receive from Owners. Periodic reports relating to the Portfolios, proxy material and a form on which one can give instructions with respect to the proportion of shares of the Portfolio held in the Separate Account corresponding to the Owner's Policy Value, will be made available to the Owner(s). We will vote shares for which no instructions have been received in the same proportion as the shares for which instructions have been received from Owners. The effect of such proportional voting is that a small number of Owners may control the outcome of a particular vote.

We may, if required by state insurance regulations, disregard voting instructions which would require shares to be voted for a change in the sub-classification or investment objectives of a Portfolio, or to approve or disapprove an investment advisory agreement for a Portfolio. We may also disregard voting instructions that would require changes in the investment policy or investment adviser for a Portfolio, provided that we reasonably determine to take this action in accordance with applicable federal law. If we disregard voting instructions, we will include a summary of the action and reasons therefore in the next annual report to Policy Owners.

Reports and Financial Statements

For each Policy Year, we will send you a statement showing the Death Benefit, Policy Value, Contract Fund Value and any Policy Debt (including interest charged) as of the Policy Anniversary. We will also send you a confirmation statement when you make a Premium Payment, transfer assets among Divisions, make a withdrawal, take a Policy loan, or surrender the Policy. The annual statement and confirmation statements will show the apportionment of allocations among the Divisions and/or the SAS Account. If the Policy is in force as Paid-Up insurance, statements and reports will be limited to an annual Policy statement showing the Death Benefit, Contract Fund Value, and any Policy Debt.

Semi-annually, we will send you reports containing financial information, performance information and schedules of investments for the Portfolios underlying the Divisions to which your Contract Fund Value is allocated. Because each Division invests exclusively in the shares of an underlying Portfolio, the performance information for a Division and its corresponding Portfolio will generally be the same except that if the Policy level charges were reflected in this performance information, the results would be lower. Current historical performance information, updated on a monthly and quarterly basis, is available at www.northwesternmutual.com/prospectuses-performance-and-reports. The financial statements of the Company and the

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Separate Account appear in the Statement of Additional Information. To receive a copy of the Annual Report, Semi-Annual Report and/or Statement of Additional Information (containing such financial statements), call (866) 464-3800. Certain reports and other information can be obtained on our website at www.nmprospectus.com.

Householding

To reduce costs, we may send only a single copy of the same disclosure document(s) (such as prospectuses, prospectus supplements, reports, announcements, proxy statements, and information statements) to each consenting household (rather than sending copies to each Owner residing in a household). If you are or become a member of such a household, you can revoke your consent to "householding" at any time, and can begin receiving your own copy of such disclosure documents by calling (866) 464-3800.

Abandoned Property Requirements

Every state has unclaimed property laws which generally declare insurance contracts/policies to be abandoned after a period of inactivity of three to five years from the Policy's maturity date, the date the death benefit is due and payable, or in some states, the date the insurer learns of the death of the insured. For example, if the payment of the death benefit has been triggered, but, if after a thorough search, we are still unable to locate the beneficiary, or if the beneficiary does not come forward to claim the death benefit proceeds in a timely manner, the death benefit proceeds will be paid to the abandoned property division or unclaimed property office of the state in which the beneficiary or you last resided, as shown on our books and records, or to our state of domicile. This "escheatment" is revocable, however, and the state is obligated to pay the death benefit proceeds (without interest) if your beneficiary steps forward to claim them with the proper documentation. To prevent such escheatment, it is important that you update your beneficiary designations, including addresses, if and as they change. Please contact your Financial Representative or call (866) 464-3800 for assistance in making such changes.

Legal Proceedings

Northwestern Mutual, like other life insurance companies, is generally involved in litigation at any given time. Although the outcome of any litigation cannot be predicted with certainty, we believe that, as of the date of this Prospectus, there are no pending or threatened lawsuits that will have a materially adverse impact on the ability of Northwestern Mutual to meet its obligations under the Policy, on the Separate Account, or on NMIS and its ability to perform its duties as underwriter for the Separate Account.

Speculative Investing

Do not purchase this Policy if you plan to use it, or any of its riders, for any type of speculative collective investment scheme (including, for example, arbitrage). Your Policy is not intended to be traded on any stock exchange or secondary market, and attempts to engage in such trading may violate state and/or federal law.

Owner Inquiries

If eligible, you may get up-to-date information about your Policy at your convenience with your User ID and password at our website <u>www.northwesternmutual.com</u> where you can access performance information, forms for routine service, and daily values for Policies you own. Eligible Owners may also set up certain electronic payments, make transfers (including as applicable Dollar-Cost Averaging and/or Portfolio Rebalancing) and change the allocation of future Premium Payments online, subject to our administrative procedures. For enrollment information, please visit our website <u>www.northwesternmutual.com</u>. Please note that electronic devices may not always be available. Any electronic device, whether it is yours, your service provider's, your agent's or ours, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your request or payment. Although we have taken precautions to limit these problems, we cannot promise complete reliability under all circumstances. If you are experiencing problems, you should make your request or payment in writing to our Home Office. Electronic requests or payments are deemed to be received by us upon receipt at the electronic location designated by us in our procedures. If you have questions about surrendering your Policy, please contact your Financial Representative or call (866) 464-3800. To file a claim, please call your Financial Representative or Life Benefits at (800) 635-8855.

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Illustrations

Your Northwestern Mutual Financial Representative will provide you an illustration for your Policy upon your request when you apply for a Policy and while your Policy is in force. When you apply for a Policy, the illustrations will be based on the information you give us about the proposed Insured and will reflect such factors as the Specified Amount, Death Benefit option and Premium Payments that you select. While the Policy is in force, the illustrations will reflect the performance of your Policy to date. Illustrations show how the Death Benefit and Policy Value for a Policy would vary based on hypothetical future investment results. These should be based upon realistic expectations given your own individual situation.

Illustrations for variable life insurance policies do not project or predict investment results. The illustrated values assume that non-guaranteed elements such as dividends, Policy charges and level investment returns will not change. Given the volatility of the securities markets over time, the illustrated scenario is unlikely to occur and actual values, death benefits, and certain expenses (which may vary with the investment performance of the Portfolios) will be more or less than those illustrated. In addition, the actual timing and amounts of payments, deductions, expenses and any values removed from the Policy will also impact product performance. Due to these variations, even a Portfolio that averaged the same return as illustrated will produce values which will be more or less than those which were originally illustrated. We reserve the right to charge for Illustrations in excess of one per Policy year (see "Charges and Deductions.")

Tax Considerations

**General** The following discussion provides a general description of federal tax considerations relating to the Policy. The discussion is based on current provisions of the Internal Revenue Code ("Code") as currently interpreted by the Treasury Department and the Internal Revenue Service ("IRS"). The discussion is not exhaustive, it does not address the likelihood of future changes in federal tax law or interpretations thereof, and it does not address state or local tax considerations, which may be significant in the purchase and ownership of a Policy.

Depending on the circumstances, the exchange of a Policy, a Policy loan (including the addition of unpaid loan interest to a Policy loan), or a change in ownership or an assignment of the Policy, or an interest in the Policy, may have federal income tax consequences. In addition, federal, state and local transfer, estate, inheritance, and other tax consequences of Policy ownership, premium payments and receipt of Policy proceeds depend on the circumstances of each Owner or beneficiary. If you contemplate any such transaction you should consult a qualified tax adviser.

This tax discussion is intended to describe the tax consequences associated with your Policy. It does not constitute legal or tax advice, and is not intended to be used and cannot be used to avoid any penalties that may be imposed on a taxpayer. Taxpayers should seek advice based on their particular circumstances from an independent tax advisor.

There is no additional tax benefit if the Policy is purchased through a tax-qualified plan. Withdrawals will generally be subject to tax penalties.

**Life Insurance Qualification** Section 7702 of the Code defines life insurance for federal income tax purposes. Under Section 7702, a Policy will generally be treated as life insurance for federal tax purposes if at all times it meets either a Guideline Premium/Cash Value Corridor Test ("GLPT") or a Cash Value Accumulation Test ("CVAT"). You must choose either the GLPT or the CVAT before the Policy is issued. Once the Policy is issued, you may not change to a different test. The Death Benefit may vary depending on which test is used.

The definitional tests under the Code are based on the Commissioner's Standard Ordinary (CSO) mortality tables in effect when the Policies were issued. The test applied to your policy is based on the 2017 CSO mortality tables.

The GLPT has two components, a premium limit component and a corridor component. The premium limit restricts the amount of premium that can be paid into the Policy. The corridor requires that the Death Benefit be at least a certain percentage (varying each year by age of the Insured, or younger Insured in the case of survivorship life policies) of the Policy Value. The CVAT does not have a premium limit, but does have a corridor that requires that the Death Benefit be at least a certain percentage of the Policy Value, with the percentage varying based on factors including but not limited to the age, sex and underwriting classification of the Insured, or in the case of survivorship life insurance, of the younger Insured. The corridor under the CVAT is different from the corridor under the GLPT. Specifically, the CVAT corridor generally requires more Death Benefit in relation to Policy Value than is required by the GLPT corridor. Therefore, as your Policy Value increases your Death Benefit may increase more rapidly in the Policy's earlier years under CVAT than it would under GLPT. The increase to the Death Benefit is more likely if premiums are paid to or in excess of the longest Death Benefit Guarantee premium. We have designed the Policy to comply with these rules. We will return premiums that would cause a Policy to be disqualified as life insurance, or we may take any other action that may be necessary for the Policy to qualify as life insurance for tax purposes.

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In deciding whether or not to choose the CVAT, you should consider that the CVAT generally permits more premiums to be contributed to a Policy, but may require the Policy to have a higher Death Benefit relative to the Policy Value, which may increase the Cost of Insurance charges, especially in the Policy's later years.

As provided by Section 817(h) of the Code, the Secretary of the Treasury has set standards for diversification of the investments underlying variable life insurance policies. Failure to meet the diversification requirements would disqualify your Policy as life insurance for purposes of Section 7702 of the Code. We believe that your Policy complies with the provisions of Sections 7702 and 817(h) of the Code, but the application of these rules is not entirely clear. We may make changes to your Policy if necessary for the Policy to qualify as life insurance for tax purposes.

IRS Rev. Ruls. 2003-91 and 2003-92 provide guidance on when an Owner's control of Separate Account assets will cause the Owner, and not the life insurance company, to be treated as the owner of those assets. Important indicators of investor control are the ability of the Owner to select the investment advisor, the investment strategy or the particular investments of the Separate Account. If the Owner of a Policy were treated as the owner of the assets held in the Separate Account, the income and gains related to those assets would be included in the Owner's gross income for federal income tax purposes. We believe that we own the assets of the Separate Account under current federal income tax law. We reserve the right to make modifications to the Policy, as necessary and appropriate under applicable law and the terms of the Policy, to prevent an Owner from being treated as the Owner of the Separate Account assets supporting the Policy.

**Tax Treatment of Life Insurance** While a Policy is in force, increases in the Policy Value as a result of investment experience are not subject to federal income tax until there is a distribution as defined by the Code. The Death Benefit received by a beneficiary will generally not be subject to federal income tax.

So long as your Policy is not classified as a MEC (see "Modified Endowment Contract"), the proceeds from a surrender or withdrawal will generally be taxable only to the extent that the proceeds exceed the Investment in the Contract, which is defined by Code §72(e)(6) and is sometimes called the ("Cost Basis") of the Policy. The Cost Basis of the Policy is generally equal to the premiums and other consideration paid for the contract less any amounts previously received as tax-free distributions. Dividends paid in cash, if any, are generally taxed as withdrawals with a resulting reduction in Cost Basis. However, dividends applied to purchase additional insurance or used to increase Policy Value are generally not taxable. In certain circumstances, a withdrawal of Policy Value during the first 15 Policy Years may be taxable to the extent that the Policy Value exceeds the Cost Basis of the Policy. This means that the amount withdrawn may be taxable even if that amount is less than the Cost Basis of the Policy.

Unless the Policy is a MEC a loan received under your Policy will not be treated as a distribution subject to current federal income tax. If the Policy remains in force until the death of the Insured or, in the case of joint life insurance, the second death, the Policy Debt will be repaid from the Death Benefit. However, if the Policy terminates by any method other than death, the Policy Debt will be repaid from the Policy Value of the Policy, and the total Policy Value , including the total amount of the Policy Debt, will be taxable to the extent it exceeds the Cost Basis of the Policy. If the extended term insurance nonforfeiture option is available in your Policy, and it lapses to extended term insurance, the Policy Debt will be repaid from Policy Value of the Policy and the Policy Debt repayment will be treated as income and taxable to the extent it exceeds Policy's Cost Basis.

Caution must be used when taking cash out of a Policy through Policy loans. If interest is not paid annually, it is added to the principal amount and the total Policy Debt will continue to increase for as long as the loan is maintained on the Policy. In extreme situations, Owners can face what is called the "surrender squeeze." The surrender squeeze occurs if the Policy Debt becomes too large when compared to the unborrowed Policy Value, less the applicable surrender charge, is insufficient to cover the Monthly Policy Charges, thereby causing the Policy to lapse. As described above, if your Policy lapses with outstanding Policy Debt, you will have an income tax liability to the extent the Policy Debt exceeds the Policy Cost Basis. This means that you may have to pay income tax for a year in which you did not receive any cash from the Policy.

Interest paid by individual Owners of a Policy will ordinarily not be deductible. You should consult a qualified tax advisor as to the deductibility of interest paid, or accrued, by business Owners of a Policy. (See "Business-Owned Life Insurance").

Subject to the agreement of the Company, and the Owner meeting any conditions set by the Company, a Policy may be exchanged tax-free for another life insurance policy covering the same Insured or an annuity contract with the same owner (or, in the case of an annuity owned by a non-natural owner, if the annuitant is the same as the life insurance policy insured). The Code also allows certain policies to be exchanged for stand-alone and certain combination long-term care policies on a tax-free basis. Policies that are exchanged for life insurance policies after 2019 may only be exchanged for life insurance policies using 2017 CSO mortality tables. Any cash received or loan repaid in an exchange will be taxed to the extent of the gain in the Policy (i.e., on a gain-first basis).

Ownership of a Policy, or an interest in the Policy, may be transferred. If the transfer is for a valuable consideration, it is taxable to the extent the sales proceeds or fair market value of property received exceed the basis of the Policy. The transfer of a Policy with a loan in excess of Policy's basis is considered a sale to the extent of the loan, and the loan is treated as "sales proceeds" paid to the transferor. The basis used to determine the gain or loss when a Policy, or an interest in a Policy, is transferred may be different than the Cost Basis used to determine the taxable amount for Policy distributions and/or surrenders.

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The general rule is that if a Policy, or an interest in a Policy were transferred for valuable consideration, the death benefit may be taxable as ordinary income to the extent it exceeds the sum of the purchase price and subsequent premiums paid by the new owner. However, the death benefit may not be taxable if both of the following criteria are satisfied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The transfer was not a "Reportable Policy Sale," and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Either:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The transferee is the insured, a partner of the insured, a partnership in which the insured is a partner or a corporation in which the insured is a shareholder or officer, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The transferee's basis for determining gain or loss is determined, in whole or in part, by reference to the Transferor's basis.

A Reportable Policy Sale is defined by Code section 101(a)(3), which was enacted in 2017 as part of the Tax Cuts and Jobs Act. Generally, a Reportable Policy Sale occurs when a Policy or an interest in the Policy is transferred, directly or indirectly, for valuable consideration and the acquirer does not have a "substantial family, business, or financial relationship with the insured apart from the acquirer's interest in" the Policy. An example of an indirect transfer is an acquisition of an interest in a partnership that owns the Policy. If a Reportable Policy Sale occurs, the acquirer and the insurance company are required to send information about the sale to the IRS and the transferor.

Whether the death benefit of any particular policy will be subject to income taxation because of transfers prior to the insured's death will depend on specific facts. You should seek qualified tax advice if you plan a transfer of an interest in a life insurance policy.

Where the Policy Value is distributed as periodic payments under a payment plan, part or all of the taxable payments may be subject to an additional 3.8% Medicare tax. The tax will be assessed on the Owner's net investment income for the year to the extent that the Owner's adjusted gross income (with slight modifications) exceeds $250,000 (married filing jointly or surviving spouse), $125,000 (married filing separately) or $200,000 (other filers) (not indexed). Under final regulations issued by the IRS, "net investment income" may, among other things, include the transfer of a life insurance policy that constitutes a sale, interest paid on the death benefit and taxable distributions from life insurance policies held in arrangements that constitute "passive activities". You should seek qualified tax advice.

**Modified Endowment Contracts (MEC)** A modified endowment contract ("MEC") is a type of life insurance contract that is taxed less favorably on lifetime distributions than other life insurance contracts. A MEC has less-favorable tax treatment because it is considered to be too investment oriented. Generally, a Policy will be classified as a MEC if the cumulative premiums paid during the first seven Policy Years after issue, or after a "material change" (described below), exceed the policy's "seven-pay" limit. The seven-year time period is commonly referred to as the "seven-pay period". Code Section 7702A defines the seven-pay limit as the sum of the premiums paid (net of expense and administrative charges) that would have to be paid in order for the Policy to be fully paid-up after seven level annual payments, based on defined interest and mortality assumptions. If premiums in excess of the seven-pay limit are paid during a seven-pay period, a Policy will be a MEC. However, a policy will not be a MEC if the excess premiums are refunded, with interest, within 60 days after the end of the Policy Year in which they are paid. For purposes of measuring this 60-day refund period, the term "Policy Year" refers to the year that starts on the date of a material change if that date is different than the Policy Date. If excess premium is refunded, all Policy values are recalculated as though the excess premium had never been paid.

A Policy can also become a MEC if the benefits under the Policy are reduced during the seven-pay period. If such a reduction occurs, the seven-pay premium limit will be redetermined based on the reduced level of benefits. All premiums paid during the seven-pay period must be retroactively tested against the new, lower, seven-pay limit. If the premiums previously paid are greater than the recalculated seven-pay limit, the Policy will become a MEC. This means that a reduction of Policy benefits can result in a MEC because of premiums paid in prior years even if those premiums did not exceed the policy's seven-pay limit at the time they were paid. A reduction in benefits includes a decrease in the amount of coverage, the termination or reduction of certain riders, a withdrawal or any other action resulting in a surrender of Policy Value to you according to the terms of the Policy, an election for the Paid-up insurance option or, in some cases, a lapsing of the Policy where the Policy is not reinstated within 90 days. In the case of joint life Policies, the reduction test must be applied during the lifetime of either insured rather than only during seven-pay periods. Additionally, in the case of joint life policies, all premiums paid since the policy were issued are retroactively tested against the new MEC limit.

A life insurance policy which is received in exchange for a MEC will also be considered a MEC.

Whenever there is a "material change" under a Policy, it will generally be treated as a new contract for purposes of determining whether the Policy is a MEC. This means that a new seven-pay period begins with a new seven-pay limit. The new seven-pay limit is determined by taking into account the Policy Value of the Policy at the time of such change. A material change could

**Variable Universal Life Plus Prospectus**

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occur as a result of certain changes to the benefits or terms of the Policy, such as a change in a death benefit option or a change in the Insured(s), if allowable under your Policy. A material change could occur as a result of an increase in the death benefit, the addition of a benefit or the payment of a premium after the seven-pay period, which could be considered "unnecessary" under the Code.

If a Policy is a MEC, any distribution from the Policy will be treated as a distribution of gain first, subject to ordinary income taxation. Distributions for this purpose include a loan, a withdrawal of Policy Value , a surrender of the Policy, and dividends paid in cash. Distributions taken within the two-year period prior to a Policy becoming a MEC may also be taxed under the MEC tax rules. The Policy Cost Basis is increased to the extent a loan is a taxable distribution from a MEC. For these purposes, the term "loan", includes an increase in Policy Debt due to accrued but unpaid loan interest, or an assignment or pledge of the policy to secure a loan. For purposes of determining the taxable portion of any distribution, all MECs issued by Northwestern Mutual to the same Owner (excluding certain qualified plans) during any calendar year are to be aggregated. The Secretary of the Treasury has authority to prescribe additional rules to prevent avoidance of gain-first taxation on distributions from MECs.

A 10% penalty tax will apply to the taxable portion of a distribution from a MEC. The penalty tax will not, however, apply to distributions (i) to taxpayers 59 ½ years of age or older, (ii) in the case of a disability (as defined in the Code) or (iii) received as part of a series of substantially equal periodic annuity payments for the life (or life expectancy) of the taxpayer or the survivorship lives (or survivorship life expectancies) of the taxpayer and the taxpayer's beneficiaries. The exceptions generally do not apply to life insurance policies owned by corporations or other entities.

**Estate Tax and Generation Skipping Transfer Taxes** If the Insured owns, or has any incidents of ownership in, the Policy, the amount of the Death Benefit will generally be includible in the Insured's estate for purposes of the federal estate tax and any applicable state inheritance tax. If a Policy is a survivorship life Policy, the Death Benefit will be includible in the estate of the second of the Insureds to die, if that individual owned, or had any incidents of ownership in, the Policy at the time of death. In some circumstances, the Death Benefit of a policy may be included in an Insured's estate even if not owned at the time of death. This may occur if the Insured transferred an ownership interest, or an incident of ownership, in a policy within three years of death. If the Owner dies, but an Insured is still alive, the fair market value of the Policy will be includible in the Owner's estate. With appropriate estate planning, an unlimited marital deduction may permit deferral of federal estate and gift taxes until the death of the Owner's surviving spouse.

If ownership of the Policy is transferred, either directly or in trust, to a person two or more generations younger than the Owner, the value of the Policy may be subject to a generation skipping transfer tax.

**Business-Owned Life Insurance** Business-owned life insurance may be subject to certain additional rules. Section 101(j) of the Code provides that a portion of the Death Benefit payable under business-owned life insurance in which the business is also the beneficiary will be taxable to the extent it exceeds the premiums or other consideration the business paid for the policy. This rule does not apply if (i) the insured is an eligible employee and (ii) certain notice and consent requirements were satisfied before the policy was issued. Generally, an eligible employee is someone who was an employee at any time during the 12-month period before death, a director, a person who owns more than 5% of the business, an employee earning more than $120,000 annually (increased for cost of living), one of the highest 5 paid officers or an employee who is among the highest paid 35% of employees. The law also imposes an annual reporting and record-keeping obligation on the employer. Increases in Policy Value may also be subject to tax under the corporation alternative minimum tax provisions.

Section 264(a)(1) of the Code generally disallows a deduction for premiums paid on Policies by anyone who is directly or indirectly a beneficiary under the Policy. Interest on debt that is related to or is incurred to purchase or carry life insurance might be deductible in certain, limited, circumstances set forth in Code Section 264. For example, interest paid or accrued for up to an aggregate of $50,000 of indebtedness with respect to life insurance covering a "key person" may be deductible. Generally, a key person is defined as an officer or a 20% owner. However, the number of key persons will be limited to the greater of (a) five individuals, or (b) the lesser of 5% of the total officers and employees of the taxpayer or 20 individuals. Deductible interest for these Policies will be subject to limits based on current market rates.

In addition, if a business owns life insurance with cash value, Section 264(f) may disallow a portion of a business's non-life insurance related interest deduction. The disallowance is based on a ratio that compares the amount of unborrowed life insurance Cash Surrender Value (as defined by Code §264(f)) to the adjusted basis of other business assets. Certain policies may be excluded from the disallowance calculation. These include policies held by natural persons unless the business is a direct or indirect beneficiary under the policy and policies owned by a business and insuring an individual who at the time the policy is issued is an employee, director, officer or 20% owner (as well as survivorship life policies insuring 20% owners and their spouses). The IRS has ruled that a policy received in a tax-free exchange is newly issued for this purpose.

The IRS has ruled privately that losses in business-owned life insurance could be deducted upon the surrender of the policy if there was no reasonable prospect of recovery, but that the losses would be calculated by reducing the basis of the policy by the annual cost of the insurance protection provided by the policy. Private rulings apply only to the taxpayer who receives the ruling but may be indicative of the IRS's thinking on an issue.

**Variable Universal Life Plus Prospectus**

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Special rules under the Code govern how life insurance companies calculate income tax deductions. Under these rules the annual increase in the cash value of life insurance policies owned by life insurance companies may limit the company's deductions, resulting in an overall increase in its taxable income.

**Split Dollar Arrangements** Life insurance purchased under a split dollar arrangement is subject to special tax rules. Treasury regulations regarding the taxation of split dollar arrangements apply only to arrangements entered into or materially changed after September 17, 2003. The regulations provide that such split dollar arrangements must be taxed under one of two mutually exclusive tax regimes depending on the ownership of the underlying life insurance policy. Collateral assignment split dollar arrangements, in which the employee owns the policy, must be taxed under a loan regime. Where such an arrangement imposes a below market interest rate or no interest rate, the employee is taxed on the imputed interest under Section 7872 of the Code. Endorsement split dollar arrangements, in which the employer owns the policy, must be taxed under an economic benefit regime. Under this regime, the employee is taxed each year on (i) the value of the current life insurance protection provided to the employee, (ii) the increase in the amount of policy Cash Value to which the employee has current access, and (iii) the value of any other economic benefits provided to the employee during the taxable year.

Under the Sarbanes-Oxley Act of 2002, it is a criminal offense for an employer with publicly traded stock to extend or arrange a personal loan to a director or executive officer after July 30, 2002. One issue that has not been clarified is whether each premium paid by such an employer under a split dollar arrangement with a director or executive officer is a personal loan subject to this law.

Section 409A of the Code imposes requirements for nonqualified deferred compensation plans with regard to the timing of deferrals, distribution triggers, funding mechanisms and reporting requirements. Nonqualified deferred compensation plans that fail to meet these conditions are taxed currently on all compensation previously deferred and interest earned thereon and are assessed an additional 20% penalty. The law does not limit the use of life insurance as an informal funding mechanism for nonqualified deferred compensation plans, but IRS Notice 2007-34 treats certain split dollar arrangements as nonqualified deferred compensation plans that must comply with the new rules.

**Valuation of Life Insurance** Special valuation rules apply to Policies distributed from a qualified plan to a participant or transferred by an employer to an employee. IRS Rev. Proc. 2005-25 provides safe harbor formulas for valuing variable and non-variable life insurance. Generally, the safe harbor value is the greater of (i) the sum of the interpolated terminal reserve, any unearned premiums, and a pro rata portion of the estimated dividends for the Policy Year; or (ii) the cash value without reduction for surrender charges (but adjusted by a surrender factor for policies distributed from qualified plans) multiplied by a factor specified in Rev. Proc. 2005-25. These rules do not apply to split dollar arrangements entered into on or before September 17, 2003 and not materially modified thereafter.

**Other Tax Considerations** Under Code Section 6011, taxpayers are required to annually report all "reportable transactions". Regulations under Code Section 6011 provide a list of several types of reportable transactions, some of which may involve life insurance policies. For example, in some circumstances a reportable transaction might exist if life insurance is owned by a welfare benefit plan. "Reportable transactions" also include transactions that create significant differences between the amount of any item for purposes of determining income, gain, expense or loss for tax purposes differs by more than $10 million, on a gross basis, from the amount of the item for purposes for book purposes. However, Rev. Proc. 2004-67 held that the purchase of life insurance policies that creates such a difference does not, by itself, constitute a "reportable transaction." The rules related to reportable transactions are complicated and you should consult a qualified tax advisor before purchasing any insurance policy as part of a transaction.

Distribution of the Policy

We sell the Policy through our Financial Representatives who also are registered representatives of Northwestern Mutual Investment Services, LLC ("NMIS"). NMIS, our wholly-owned company, was organized under Wisconsin law in 1998 and is located at 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202. NMIS is a registered broker-dealer under the Securities Exchange Act of 1934, an investment adviser registered with the SEC, and is a member of the Financial Industry Regulatory Authority (FINRA) and SIPC. You may obtain information about SIPC, including the SIPC brochure, by contacting SIPC at (202) 371-3800 or visiting its website at www.SIPC.org. NMIS is the principal underwriter and distributor of the Policy and has entered into a Distribution Agreement with us.

Northwestern Mutual variable insurance and annuity products are available exclusively through NMIS and its registered representatives and cannot be held with or transferred to an unaffiliated broker-dealer. Except in limited circumstances, NMIS registered representatives are required to offer Northwestern Mutual variable insurance and annuity products. The amount and timing of sales compensation paid by insurance companies varies. The commissions, benefits, and other sales compensation that

**Variable Universal Life Plus Prospectus**

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NMIS and its registered representatives receive for the sale of a Northwestern Mutual variable insurance or annuity product might be more or less than that received for the sale of a comparable product from another company. For more information on commission amounts see "Charges and Deductions—Commissions Paid to Financial Representatives."

Because registered representatives of NMIS are also our appointed agents, they may be eligible for various cash benefits, such as bonuses, insurance benefits, retirement benefits, and non-cash compensation programs that we offer, such as conferences, achievement recognition, prizes, and awards. In addition, registered representatives of NMIS who meet certain productivity, persistency, and length of service standards and/or their managers may be eligible for additional compensation. For example, registered representatives who meet certain annual sales production requirements with respect to their sales of Northwestern Mutual insurance and annuity products can qualify to receive additional cash compensation for their other sales of investment products and services. Sales of the Policies help registered representatives and/or their managers qualify for such compensation and benefits. Certain registered representatives of NMIS may receive other payments from us for the recruitment, training, development, and supervision of financial representatives, production of promotional literature and similar services.

Commissions and other incentives and payments described above are not charged directly to Owners or to the Separate Account. We intend to recoup commissions and other sales expenses through fees and charges deducted under the Policy. NMIS registered representatives receive ongoing servicing compensation related to the Policies, but may be ineligible to receive ongoing servicing compensation paid by issuers of other investment products for certain smaller accounts.

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 and the NM Strength and Stability Account 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 GRACE PERIOD <br>A 61-day period after which the Death Benefit Guarantee will terminate if you do not make a sufficient payment.

**Variable Universal Life Plus Prospectus**

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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 the Company, other than those held in the Separate Account or in other separate accounts that have been or may be established by the Company.

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>The 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.

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 Contract Fund Value 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 (or the Guaranteed Minimum Death Benefit if the Policy is in force under the Death Benefit Guarantee) 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.

MEC <br>Modified endowment contract as described in Section 7702A of the Internal Revenue Code. A modified endowment contract is a life insurance contract that is considered too investment oriented and is taxed less favorably on lifetime distributions than other life insurance contracts. See the "Tax Considerations" section for more detailed information.

**Variable Universal Life Plus Prospectus**

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MONTHLY POLICY CHARGE <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.

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 the Company'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.

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.

**Variable Universal Life Plus Prospectus**

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

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.

TARGET PREMIUM <br>An amount based on the Specified Amount, Death Benefit Guarantee Period, any optional benefits, and factors relating to the Insured including but not limited to Issue Age, sex, and underwriting classification, used to compute certain charges. The Target Premium is the dollar amount identified in the Maximum Sales Load section of the Policy schedule pages.

UNIT <br>An accounting unit of measure representing the value in one or more Divisions of the Separate Account.

UNIT VALUE <br>The value of a particular Unit at a particular time. Unit Value is analogous, but not the same as, the share price of a Portfolio in which a Division invests. It may fluctuate from one Valuation Period to the next.

VALUATION DATE <br>Any day the NYSE is open for trading, except for any days specified in the Policy's Prospectus including any day that a Division's corresponding investment option does not value its shares. A Valuation Date ends when the NYSE closes.

VALUATION PERIOD <br>The time between the close of trading on the NYSE on a Valuation Date and the close of trading on the next Valuation Date.

**Variable Universal Life Plus Prospectus**

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Appendix A—Portfolios Available under Your Policy

The following is a list of [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) available under your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). More information about the [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is available in the [prospectuses](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) for the [Portfolios](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), but do not reflect the other fees and expenses that your [Policy](#bookmark_policy_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may charge. Expenses would be higher and performance would be lower if these other charges were included. Each [Portfolio's](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) past performance is not necessarily an indication of future performance. Please note that depending on whether your [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is in effect, allocations or transfers into the Government Money Market [Division](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) are subject to certain restrictions (see "The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market [Division](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)). [To be updated by amendment]

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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;&nbsp; Mason Street Advisors, LLC <br> &nbsp;&nbsp;&nbsp;&nbsp;(MSA)/T. Rowe Price <br> Associates, Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Focused Appreciation** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/Loomis, Sayles & <br> Company, L.P.<br>|  |  |  |  |
| 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;&nbsp; MSA/Wellington <br> Management Company LLP<br>|  |  |  |  |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp;&nbsp; **Large Cap Blend** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/J.P. Morgan Investment <br> Management, Inc.<br>|  |  |  |  |
| 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 |  |  |  |  |
| 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;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp;&nbsp; **Domestic Equity** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/Putnam Investment <br> Management, LLC<br>|  |  |  |  |
| Long-term growth of <br> capital and income<br>**Equity Income Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Associates, Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Mid Cap Growth Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/J.P. Morgan Investment <br> Management, Inc.<br>|  |  |  |  |
| 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;&nbsp; MSA/Northern Trust <br> Investments, Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital; current income is <br> a secondary objective<br>**Mid Cap Value Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Small Cap Growth Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/Wellington <br> Management Company LLP<br>|  |  |  |  |
| 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;&nbsp; MSA/Northern Trust <br> Investments, Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Small Cap Value** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Investment Management, <br> Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **International Growth** <br> **Portfolio**<sup>2</sup><br>| MSA/FIAM LLC |  |  |  |  |

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**Variable Universal Life Plus Prospectus**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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;&nbsp; MSA/Massachusetts <br> Financial Services Company <br>|  |  |  |  |
| Long-term growth of <br> capital and income <br>&nbsp;&nbsp;&nbsp; **International Equity** <br> **Portfolio**<sup>2</sup><br>| MSA/Dodge & Cox |  |  |  |  |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Emerging Markets Equity** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/abrdn Investments <br> Limited<br>|  |  |  |  |
| 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 |  |  |  |  |
| 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;&nbsp; MSA/T. Rowe Price <br> Associates, Inc.<br>|  |  |  |  |
| 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;&nbsp; MSA/Allspring Global <br> Investments, LLC<br>|  |  |  |  |
| 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;&nbsp; MSA/Pacific Investment <br> Management Company LLC<br>|  |  |  |  |
| 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;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>|  |  |  |  |
| High current income and <br> capital appreciation<br>&nbsp;&nbsp;&nbsp; **High Yield Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/Federated Investment <br> Management Company<br>|  |  |  |  |
| 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;&nbsp; MSA/Pacific Investment <br> Management Company LLC<br>|  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |

---

**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 |  |  |  |  |
| Growth of capital<br> &nbsp;&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **Growth Fund - Class 1A**<sup>5</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; Capital Research and <br> Management Company <br> &nbsp;&nbsp;&nbsp;&nbsp;(CRMC)<br>|  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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;&nbsp; BlackRock Advisors, LLC/<br> BlackRock International <br> Limited & BlackRock <br> &nbsp;&nbsp;&nbsp;&nbsp;(Singapore) Limited <br>|  |  |  |  |
| Total return<br> &nbsp;&nbsp;&nbsp; **Cantor Fitzgerald** <br> **Commodity Return** <br> **Strategy Portfolio – Class** <br> **2**<sup>7</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; O'Connor Alternative <br> Investments, LLC <sup>8</sup> <br>|  |  |  |  |
| 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;&nbsp; Columbia Management <br> Investment Advisers, LLC<br>|  |  |  |  |
| 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>|  |  |  |  |
| 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;&nbsp; Fidelity Management & <br> Research Company LLC <br> &nbsp;&nbsp;&nbsp;&nbsp;(FMR)<sup>11</sup> <br>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Technology** <br> **Portfolio - Initial Class**<sup>10</sup><br>| FMR<sup>11</sup> <br>|  |  |  |  |

---

**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>|  |  |  |  |
| 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;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Boston Partners <br> Global Investors, Inc.<br>|  |  |  |  |
| 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;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Wellington <br> Management Company LLP<br>|  |  |  |  |
| 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;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Manulife <br> Investment Management <br> &nbsp;&nbsp;&nbsp;&nbsp;(US) LLC<br>|  |  |  |  |
| 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;&nbsp; Neuberger Berman <br> Investment Advisers LLC<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **U.S. Strategic Equity** <br> **Fund**<sup>14</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; Russell Investment <br> Management LLC (RIM)<sup>15</sup> <br>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **International Developed** <br> **Markets Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>|  |  |  |  |
| Provide total return<br> **Strategic Bond Fund**<sup>14</sup> | RIM<sup>15</sup> <br>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |

---

<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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd). An investment in a money market [portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is neither [insured](#bookmark_insured_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) may also become extremely low and possibly negative. Please note that allocations into the Government Money Market [Division](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) are subject to certain restrictions if your [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is in effect (see "The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market [Division](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)" in the [Prospectus](#bookmark_prospectus_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)).

**Variable Universal Life Plus Prospectus**

------

<sup>4</sup>

**Please note that allocations or transfers into the Government Money Market** [**Division**](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **are subject to certain restrictions if your** [**Death Benefit Guarantee**](#bookmark_deathbenefitguarantee_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **is in effect. These restrictions include limits on the timing and amounts allocated or transferred to this** [**Division**](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **to ensure total amounts in, or percentages allocated or transferred to, this** [**Division**](#bookmark_division_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **and/or the** [**SAS Account**](#bookmark_sasaccount_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) **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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd)**).**

<sup>5</sup>

A series of American [Funds](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Insurance Series<sup>®</sup>.

<sup>6</sup>

The BlackRock International Index V.I. [Fund](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and BlackRock Total Return V.I. [Fund](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) are series of BlackRock Variable Series [Funds](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd), Inc. and BlackRock Variable Series [Funds](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) II, Inc., respectively.

<sup>7</sup>

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

<sup>8</sup>

Effective February 1, 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) Variable Insurance Trust.

<sup>10</sup>

The Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is a series of Variable Insurance Products [Fund](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) II. The Fidelity<sup>®</sup> VIP Mid Cap [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and Fidelity<sup>®</sup> VIP Value Strategies [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) are each a series of Variable Insurance Products [Fund](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) III. The Fidelity<sup>®</sup> VIP Health Care [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) and Fidelity<sup>®</sup> VIP Technology [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) are each a series of Variable Insurance Products [Fund](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) IV. The Fidelity<sup>®</sup> VIP Bond Index [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) is a series of Variable Insurance Products [Fund](#bookmark_fund_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) V.

<sup>11</sup>

The following affiliates of Fidelity Management & Research Company also assist with foreign investments for each [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd): 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

<sup>15</sup>

Assets of each [Portfolio](#bookmark_portfolio_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd) 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_8b11e8f3-26b1-45cb-89e5-887c42c0f2fd).

**Variable Universal Life Plus Prospectus**

------

Appendix B—State Variations

This Appendix B contains important state specific variations for Policies issued in the states as noted below. The Prospectus provides a general description of the Policy (and any endorsements) but your state of issue may provide different features from, and impose different costs than, those described in the body of the Prospectus. Please see your Policy for specific details.

---

| | | |
|:---|:---|:---|
| **STATE** | **POLICY** <br> **FEATURE/BENEFIT/COST**<br>| **VARIATION** |
| Arizona | Incontestability | There is no exception for fraudulent misstatements. |
| Arkansas | &nbsp;&nbsp; Policy Loans (Annual Market Loan <br> Rate on Policy Loans)<br>| Loan interest is payable at an annual effective rate of 5%. |
| California | &nbsp;&nbsp; Right to Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; The Policy may be exchanged without evidence of insurability for a fixed <br> benefit life insurance policy within eighteen (18) months after the date <br> of issue.<br>|
| California | &nbsp;&nbsp; Optional Waiver Benefit (Upon Total <br> Disability)<br>| &nbsp;&nbsp; For two years following the Date of Issue the Insured will not covered for <br> a Total Disability caused or substantially caused by a pre-existing <br> condition.<br>|
| Colorado | Right to Return | &nbsp;&nbsp; Unless the Policy is a replacement it may be returned within fifteen (15) <br> days after it was received.<br>|
| Connecticut | Right to Return | &nbsp;&nbsp; If the Policy is a replacement it may be returned within ten (10) days <br> after it was received. For non-replacements, the amount of the refund <br> will not be less than the premium paid less any policy debt and <br> withdrawals.<br>|
| Connecticut | &nbsp;&nbsp; Right to Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; The Policy may be exchanged without evidence of insurability for a fixed <br> benefit life insurance policy within eighteen (18) months after the date <br> of issue.<br>|
| Connecticut | Incontestability | There is no exception for fraudulent misstatements. |
| Delaware | Right to Return | &nbsp;&nbsp; If the Policy is a replacement, it may be returned within twenty (20) days <br> after it was received. For replacements, the amount of the refund will be <br> the premium paid less any policy debt and withdrawals.<br>|
| District of Columbia | Right to Return | &nbsp;&nbsp; The Policy may be returned within ten (10) days after it was received or <br> forty-five (45) days after the application was signed, whichever is later. <br> The amount of the refund will not be less than the premium paid less any <br> policy debt and withdrawals.<br>|
| District of Columbia | Incontestability | There is no exception for fraudulent misstatements. |
| Florida | Right to Return | &nbsp;&nbsp; The Policy may be returned within fourteen (14) days after it was <br> received. The amount of the refund will not be less than the premium <br> paid less any policy debt and withdrawals.<br>|
| Florida | Changing Death Benefit Option | &nbsp;&nbsp; Only changes to Option A are allowed. Changes to Options B or C are not <br> allowed.<br>|
| Florida | Incontestability | There is no exception for fraudulent misstatements. |
| Georgia | Right to Return | &nbsp;&nbsp; The Policy may be returned within ten (10) days after it was received. <br> The amount of the refund will not be less than the premium paid less any <br> policy debt and withdrawals.<br>|
| Georgia | &nbsp;&nbsp; Right to Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; The Policy may be exchanged without evidence of insurability for a fixed <br> benefit life insurance policy within eighteen (18) months after the date <br> of issue.<br>|
| Hawaii | &nbsp;&nbsp; Policy Loans (Annual Market Loan <br> Rate on Policy Loans)<br>| &nbsp;&nbsp; Loan interest is payable at an annual effective rate not to exceed the <br> greater of the rate determined by the company or 8%.<br>|
| Hawaii | &nbsp;&nbsp; Optional Waiver Benefit (Upon Total <br> Disability)<br>| &nbsp;&nbsp; Unless there is evidence of changes in medical circumstances, upon Total <br> Disability the Company will not require proof from a physician more <br> often than once in any three calendar years.<br>|
| Idaho | Right to Return | &nbsp;&nbsp; The Policy may be returned within twenty (20) days after it was received. <br> For replacements, the amount of the refund will be the premium paid <br> less any policy debt and withdrawals.<br>|
| Illinois | Right to Return | &nbsp;&nbsp; If the Policy is a replacement, it may be returned within twenty (20) days <br> after it was received. For replacements, the amount of the refund will be <br> the premium paid less any policy debt and withdrawals.<br>|
| Illinois | Incontestability | There is no exception for fraudulent misstatements. |
| Illinois | &nbsp;&nbsp; Deferral of Determination and <br> Payment<br>| &nbsp;&nbsp; The Company will not defer the payment of the life insurance benefit for <br> longer than two months.<br>|

---

**Variable Universal Life Plus Prospectus**

------

---

| | | |
|:---|:---|:---|
| **STATE** | **POLICY** <br> **FEATURE/BENEFIT/COST**<br>| **VARIATION** |
| Indiana | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within ten (10) days <br> after it was received. The amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals. If the Policy is a <br> replacement, it may be returned within twenty (20) days after it was <br> received. For replacements, the amount of the refund will be the <br> premium paid less any policy debt and withdrawals.<br>|
| Indiana | Incontestability | There is no exception for fraudulent misstatements. |
| Indiana | Suicide | &nbsp;&nbsp; The life insurance benefit paid as a result of suicide within two years of <br> policy changes is calculated the same as for benefits paid as a result of <br> suicides within two years of issue.<br>|
| Indiana | Surrenders | &nbsp;&nbsp; Cash Surrender Value paid upon surrenders within 30 days of after a <br> Policy anniversary shall not be less than the Cash Surrender Value as of <br> such Policy anniversary.<br>|
| Indiana | &nbsp;&nbsp; Deferral of Determination and <br> Payment<br>| &nbsp;&nbsp; The Company will not defer the payment of the life insurance benefit for <br> longer than sixty (60) days.<br>|
| Kansas | Right to Return | &nbsp;&nbsp; If the Policy is a replacement, it may be returned within twenty (20) days <br> after it was received. For replacements the amount of the refund will be <br> the premium paid less any policy debt and withdrawals.<br>|
| Louisiana | Incontestability | There is no exception for fraudulent misstatements. |
| Maryland | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within ten (10) days <br> after it was received or forty-five (45) days after the date the application <br> is signed, whichever is later. The amount of the refund will not be less <br> than the premium paid less any policy debt and withdrawals. <br> For replacements, the Policy may be returned within thirty (30) days <br> after it was received or forty-give (45) days after the date the application <br> is signed, whichever is later.<br>|
| Maryland | &nbsp;&nbsp; Right to Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; The Policy may be exchanged without evidence of insurability for a fixed <br> benefit life insurance policy within eighteen (18) months after the date <br> of issue.<br>|
| Massachusetts | Paid-up Insurance | &nbsp;&nbsp; This feature is not available for policies issued where the Guideline <br> Premium/Cash Value Corridor Test was elected at issue for the minimum <br> death benefit.<br>|
| Massachusetts | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within 10 days after it <br> was received. The amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals. <br> If the Policy is a replacement, it may be returned within 20 days after it <br> was received. For replacements, the amount of the refund will be the <br> premium paid less any policy debt and withdrawals.<br>|
| Michigan | Right to Return | &nbsp;&nbsp; The Policy may be returned within ten (10) days after it was received or <br> forty-five (45) days after the date the application is signed, whichever is <br> later. The amount of the refund will not be less than the premium paid <br> less any policy debt and withdrawals.<br>|
| Michigan | &nbsp;&nbsp; Deferral of Determination and <br> Payment<br>| &nbsp;&nbsp; The Company will not defer the payment of the life insurance benefit for <br> longer than sixty (60) days assuming the Company has sufficient <br> information to determine the appropriate payee and no other legal <br> impediment exists to prevent payment.<br>|
| Minnesota | Right to Return | &nbsp;&nbsp; For non-replacements, the amount of the refund will include all <br> premiums paid, including the refund of any fees or charges.<br>|
| Minnesota | &nbsp;&nbsp; Policy Loans (Annual Market Loan <br> Rate on Policy Loans)<br>| &nbsp;&nbsp; Loan interest is payable at an annual effective rate not to exceed the <br> greater of the rate determined by the company or 8%.<br>|
| Missouri | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within 10 days after it <br> was received. The amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals. <br> If the Policy is a replacement, it may be returned within 20 days after it <br> was received. For replacements, the amount of the refund will be the <br> premium paid less any policy debt and withdrawals.<br>|
| Missouri | Incontestability | There is no exception for fraudulent misstatements. |
| Missouri | Suicide | &nbsp;&nbsp; The suicide exclusion applies within one year after date of issue or policy <br> changes.<br>|

---

**Variable Universal Life Plus Prospectus**

------

---

| | | |
|:---|:---|:---|
| **STATE** | **POLICY** <br> **FEATURE/BENEFIT/COST**<br>| **VARIATION** |
| Montana | Right to Return | &nbsp;&nbsp; For non-replacements, the amount of the refund will be the premium <br> paid less any policy debt and withdrawals.<br>|
| Montana | &nbsp;&nbsp; Policy Loans (Annual Market Loan <br> Rate on Policy Loans)<br>| &nbsp;&nbsp; Loan interest is payable at an annual effective rate not to exceed the <br> greater of the rate determined by the company or 8%.<br>|
| Montana | &nbsp;&nbsp; Optional Waiver Benefit (Upon Total <br> Disability)<br>| &nbsp;&nbsp; Written notice of any claim for this benefit must be provided to the <br> Company within 6 months from the occurrence or commencement of <br> loss.<br>|
| Montana | Incontestability | There is no exception for fraudulent misstatements. |
| Montana | Suicide | &nbsp;&nbsp; Payments made under this provision are limited to refund of premiums <br> or cash value, whichever is greater.<br>|
| Nebraska | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within 10 days after it <br> was received. The amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals.<br>|
| Nebraska | Life Insurance Benefit | &nbsp;&nbsp; Interest paid on the life insurance benefit from the date of death shall <br> not be less than the rate required by Nebraska law.<br>|
| Nevada | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within 10 days after it <br> was received. The amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals. <br> For replacements, the Policy may be returned within 30 days after it was <br> received. The amount of the refund will not be less than the premium <br> paid less any policy debt and withdrawals.<br>|
| New Hampshire | Paid-up Insurance | &nbsp;&nbsp; This feature is not available for policies issued where the Guideline <br> Premium/Cash Value Corridor Test was elected at issue for the minimum <br> death benefit.<br>|
| New Jersey | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within 10 days after it <br> was received. The amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals.<br>|
| New Jersey | Life Insurance Benefit | &nbsp;&nbsp; Interest rates on the life insurance benefits paid after 60 days (or 90 days <br> if under investigation) from proof of death shall not be less than the rate <br> applicable to the New Jersey Cash Management Fund for the preceding <br> year rounded to the nearest one-half percent.<br>|
| New Jersey | Incontestability | There is no exception for fraudulent misstatements. |
| North Carolina | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within ten (10) days <br> after it was received or forty-five (45) days after date the application is <br> signed, whichever is later. For non-replacements, the amount of the <br> refund will not be less than the premium paid less any policy debt and <br> withdrawals.<br>|
| North Carolina | &nbsp;&nbsp; Right to Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; The Policy may be exchanged without evidence of insurability for a fixed <br> benefit life insurance policy within twenty-four (24) months after the <br> date of issue.<br>|
| North Carolina | &nbsp;&nbsp; Policy Loans (Annual Market Loan <br> Rate on Policy Loans)<br>| &nbsp;&nbsp; Loan interest is payable at an annual effective rate not to exceed the <br> greater of the rate determined by the company or 8%.<br>|
| North Carolina | Reinstatement | The Policy may be reinstated within five years after termination. |
| North Carolina | Incontestability | There is no exception for fraudulent misstatements. |
| North Dakota | Right to Return | &nbsp;&nbsp; The Policy may be returned within twenty (20) days after it was received. <br> The amount of the refund will not be less than the premium paid less any <br> policy debt and withdrawals.<br>|
| North Dakota | &nbsp;&nbsp; Right to Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; The Policy may be exchanged without evidence of insurability for a fixed <br> benefit life insurance policy within eighteen (18) months after the date <br> of issue.<br>|
| North Dakota | Suicide | &nbsp;&nbsp; The suicide exclusion applies within one year after date of issue or policy <br> changes.<br>|
| Ohio | &nbsp;&nbsp; Deferral of Determination and <br> Payment<br>| &nbsp;&nbsp; The Company will not defer the payment of the life insurance benefit for <br> longer than sixty (60) days assuming the Company has no other legal <br> impediment exists to prevent payment.<br>|

---

**Variable Universal Life Plus Prospectus**

------

---

| | | |
|:---|:---|:---|
| **STATE** | **POLICY** <br> **FEATURE/BENEFIT/COST**<br>| **VARIATION** |
| Oklahoma | Right to Return | &nbsp;&nbsp; If the Policy is a non-replacement, it may be returned within ten (10) <br> days after it was received. If the Policy is a replacement, it may be <br> returned within twenty (20) days after it was received. For both non-<br> replacements and replacements, the amount of the refund will be the <br> premium paid less any policy debt and withdrawals. If the refund is <br> deferred more than 30 days, interest will be paid on the refund in <br> accordance with Oklahoma law.<br>|
| Oregon | &nbsp;&nbsp; Right to Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; If the Policy may be exchanged without evidence of insurability for a <br> fixed benefit life insurance policy within eighteen (18) months after the <br> date of issue.<br>|
| Oregon | Incontestability | There is no exception for fraudulent misstatements. |
| Pennsylvania | Paid-up Insurance | &nbsp;&nbsp; This feature is not available for policies issued where the Guideline <br> Premium/Cash Value Corridor Test was elected at issue for the minimum <br> death benefit.<br>|
| Rhode Island | Right to Return | &nbsp;&nbsp; For non-replacements, the Policy may be returned within twenty (20) <br> days after it was received. The amount of the refund will be the premium <br> paid less any policy debt and withdrawals.<br>|
| Rhode Island | Life Insurance Benefit | &nbsp;&nbsp; Interest paid on the life insurance benefit from the date of death shall <br> not be less than 9%.<br>|
| Rhode Island | Incontestability | There is no exception for fraudulent misstatements. |
| South Carolina | Right to Return | &nbsp;&nbsp; For non-replacements, the amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals.<br>|
| Tennessee | Right to Return | &nbsp;&nbsp; If Policy is a replacement, it may be returned within twenty (20) days <br> after it was received. For replacements, the amount of the refund will be <br> the premium paid less any policy debt and withdrawals.<br>|
| Texas | Right to Return | &nbsp;&nbsp; For non-replacements, the amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals.<br>|
| Texas | &nbsp;&nbsp; Deferral of Determination and <br> Payment<br>| &nbsp;&nbsp; The Company will not defer the payment of the life insurance benefit for <br> longer than sixty (60) days assuming the right to proceeds has been <br> established.<br>|
| Texas | Incontestability | There is no exception for fraudulent misstatements. |
| Utah | Right to Return | &nbsp;&nbsp; The amount of the refund will not be less than the premium paid less any <br> policy debt and withdrawals.<br>|
| Vermont | Right to Return | &nbsp;&nbsp; For non-replacements, the amount of the refund will not be less than the <br> premium paid less any policy debt and withdrawals.<br>|
| Vermont | Incontestability | There is no exception for fraudulent misstatements. |
| Vermont | Life Insurance Benefit | &nbsp;&nbsp; Interest paid on the life insurance benefit shall not be less than the <br> greater of the interest on proceeds left on deposit or 6%.<br>|
| Virginia | Paid-up Insurance | &nbsp;&nbsp; This feature is not available for policies issued where the Guideline <br> Premium/Cash Value Corridor Test was elected at issue for the minimum <br> death benefit.<br>|
| Washington | Right to Return | &nbsp;&nbsp; If the Policy is a replacement, it may be returned within twenty (20) days <br> after it was received. For all returns, the amount of the refund will be the <br> premium paid less any policy debt and withdrawals.<br>|
| West Virginia | Right to Return | &nbsp;&nbsp; For non-replacements, the amount of the refund will be the premium <br> paid less any policy debt and withdrawals.<br>|

---

**Variable Universal Life Plus Prospectus**

------

Additional Information

More information about your Policy and Separate Account is included in a Statement of Additional Information ("SAI"), which is dated the same day as this Prospectus, is incorporated by reference into this Prospectus, and is available free of charge from The Northwestern Mutual Life Insurance Company. To request a free copy of the Separate Account's SAI, or current annual report, or to request other information about the Policy or to make investor inquiries, call (866) 464-3800. Under certain circumstances you or your Financial Representative may be able to obtain these documents online at www.nmprospectus.com. Reports and other information about the Separate Account 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.

Edgar Contract Identifier C000212050

------

**NORTHWESTERN MUTUAL VARIABLE LIFE ACCOUNT II** <br>**May 1, 2026**

**THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY** <br>**(Depositor)**

**720 EAST WISCONSIN AVENUE** <br>**MILWAUKEE, WI 53202** <br>**1-866-464-3800**

**STATEMENT OF ADDITIONAL INFORMATION** <br>Variable Universal Life Plus

------

This Statement of Additional Information ("SAI") contains additional information regarding the Variable Universal Life Plus insurance policy (the "Policy") offered by The Northwestern Mutual Life Insurance Company ("Northwestern Mutual"). This SAI is not a prospectus, and should be read together with the prospectus for the Policy (the "Prospectus") dated May 1, 2026. You may obtain a copy of the Prospectus by writing or calling Northwestern Mutual at the address or phone number shown above, or by visiting www.nmprospectus.com. Capitalized terms in this SAI have the same meanings as in the Prospectus for the Policy.

The date of this Statement of Additional Information is May 1, 2026.

------

**Table of Contents** 

---

| | |
|:---|:---|
|  | **Page** |
| [DISTRIBUTION OF THE POLICY](#xx_f03d95ff-abfd-4804-8cf8-b7d60073dd3c_1) | B-3  |
| [EXPERTS](#xx_f03d95ff-abfd-4804-8cf8-b7d60073dd3c_1) | B-3  |
| FINANCIAL STATEMENTS OF THE ACCOUNT  | F-1  |
| FINANCIAL STATEMENTS OF NORTHWESTERN MUTUAL | NM-1 |

---

------

**DISTRIBUTION OF THE POLICY**

Northwestern Mutual Investment Services, LLC ("NMIS"), our wholly-owned company, is the principal underwriter and distributor of the Policy. NMIS is located at 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202. The Policy is offered on a continuous basis exclusively through our Financial Representatives, who are also registered representatives of NMIS. We do not anticipate discontinuing the offering of the Policy but we reserve the right to do so at any time.

NMIS is the principal underwriter of the Policies for purposes of the federal securities laws. We paid the following amounts to NMIS with respect to sales of variable life insurance policies issued in connection with the Account during the last three fiscal years representing commission payments NMIS made to our agents and related benefits. None of these amounts was retained by NMIS and no amounts were paid to other underwriters or broker-dealers. We also paid additional amounts to NMIS in reimbursement for other expenses related to the distribution of variable life insurance policies. <br>

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

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

---

| | |
|:---|:---|
| **Year** | **Amount** |
| 2025 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $166344953 |
| 2024 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $147319108 |
| 2023 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $127322377 |

---

NMIS also provides certain services related to the administration of payment plans under the Policy pursuant to an administrative services contract with Northwestern Mutual. In exchange for these services, NMIS receives compensation to cover the actual costs incurred by NMIS in performing these services.

EXPERTS

The statutory financial statements of The Northwestern Mutual Life Insurance Company as of December 31, 2025 and 2024 and for each of the three years in the period ended December 31, 2025, and the financial statements of Northwestern Mutual Variable Life Account II as of December 31, 2025 and for the periods indicated, included in this Statement of Additional Information constituting part of this Registration Statement, have been so included in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. The address of PricewaterhouseCoopers LLP is 833 East Michigan Street, Suite 1200, Milwaukee, Wisconsin 53202.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [To be updated by amendment]

------

PART C <br>OTHER INFORMATION

Item 30. Exhibits

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| | | |
|:---|:---|:---|
| **Exhibit** | **Description** | **Filed Herewith/Incorporated Herein By Reference To** |
| (a) | &nbsp;&nbsp; Resolution of Board of Trustees of The Northwestern <br> Mutual Life Insurance Company establishing the Account, <br> dated March 22, 2006<br>| &nbsp;&nbsp; [<u>Exhibit (a) to Form N-6 initial Registration Statement,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312506156079/dex99a.htm)<br> [<u>File No. 333-136124, filed July 28, 2006</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312506156079/dex99a.htm)<br>|
| (b) | Not Applicable |  |
| (c) | &nbsp;&nbsp; Distribution Agreement Between The Northwestern Life <br> Insurance Company and Northwestern Mutual Investment <br> Services, LLC, dated May 1, 2006<br>| &nbsp;&nbsp; [<u>Exhibit (c) to Form N-6 initial Registration Statement,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312506156079/dex99c.htm)<br> [<u>File No. 333-136124, filed July 28, 2006</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312506156079/dex99c.htm)<br>|
| (d)1 | &nbsp;&nbsp; Northwestern Mutual Flexible Premium Variable <br> Adjustable Life Insurance Policy, UU. VULP. (1019)<br>| &nbsp;&nbsp; [<u>Exhibit (d)1 to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99d1.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99d1.htm)<br>|
| (d)2 | Terminal Illness Benefit, ICC24.UU.VULP.TI.(0624) | &nbsp;&nbsp; [<u>Exhibit (d)2 to Form N-6 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99d2.htm)<br> [<u>12 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99d2.htm)<br> [<u>No. 333-230143, filed on February 14, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99d2.htm)<br>|
| (d)2(a) | &nbsp;&nbsp; Waiver Benefit: Payment of Selected Monthly Premium <br> Upon Total Disability, UU.VUL.UL.SMP.(1019)<br>| &nbsp;&nbsp; [<u>Exhibit (d)2(a) to Form N-6 initial Registration Statement</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519068430/d705325dex99d2a.htm)<br> [<u>File No. 333-230143, filed March 8, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519068430/d705325dex99d2a.htm)<br>|
| (d)2(b) | Change of Insured Benefit, UU.VUL.COI.(1019) | &nbsp;&nbsp; [<u>Exhibit (d)2(b) to Form N-6 initial Registration Statement</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519068430/d705325dex99d2b.htm)<br> [<u>File No. 333-230143, filed March 8, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519068430/d705325dex99d2b.htm)<br>|
| (d)2(c) | Additional Purchase Benefit, UU.VULP.APB.(1019) | &nbsp;&nbsp; [<u>Exhibit (d)2(c) to Form N-6 initial Registration Statement</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519068430/d705325dex99d2c.htm)<br> [<u>File No. 333-230143, filed March 8, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519068430/d705325dex99d2c.htm)<br>|
| (e) | &nbsp;&nbsp; Northwestern Mutual Life Insurance Application, 90-1 <br> L.I.(0198) with Application Supplement, (90-<br> 1.VULP.Supp.(1019)<br>| &nbsp;&nbsp; [<u>Exhibit (e) to Form N-6 Pre-Effective Amendment No. 1,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99e.htm)<br> [<u>File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99e.htm)<br>|
| (f)1 | &nbsp;&nbsp; Restated Articles of Incorporation of The Northwestern <br> Mutual Life Insurance Company (adopted July 26, 1972)<br>| &nbsp;&nbsp; [<u>Exhibit B(1) to Form N-4 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/790162/0000950124-95-003703.txt)<br> [<u>6, File No. 33-58476, filed November 13, 1995</u>](https://www.sec.gov/Archives/edgar/data/790162/0000950124-95-003703.txt)<br>|
| (f)2 | &nbsp;&nbsp; Amended By-Laws of The Northwestern Mutual Life <br> Insurance Company dated December 4, 2002<br>| &nbsp;&nbsp; [<u>Exhibit B(6) to Form N-6 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/790162/0000950124-95-003703.txt)<br> [<u>8, File No. 333-36865, filed February 28, 2003</u>](https://www.sec.gov/Archives/edgar/data/790162/0000950124-95-003703.txt)<br>|
| (g)(1) | &nbsp;&nbsp; Reinsurance Agreement dated December 19, 2013 <br> between RGA Reinsurance Company and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (g)(1) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g1.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g1.htm)<br>|
| (g)(2) | &nbsp;&nbsp; Reinsurance Agreement dated December 19, 2013 <br> between Munich American Reassurance Company and <br> The Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (g)(2) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g2.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g2.htm)<br>|
| (g)(3) | &nbsp;&nbsp; Reinsurance Agreement dated December 22, 2015 <br> between Munich American Reassurance Company and <br> The Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (g)(3) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g3.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g3.htm)<br>|
| (g)(4) | &nbsp;&nbsp; Reinsurance Agreement dated November 7, 2013 between <br> Swiss Re Life & Health American Inc. and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (g)(4) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g4.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g4.htm)<br>|
| (g)(5) | &nbsp;&nbsp; Reinsurance Agreement dated December 22, 2015 <br> between Swiss Re Life & Health American Inc. and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (g)(5) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g5.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g5.htm)<br>|
| (g)(6) | &nbsp;&nbsp; Reinsurance Agreement dated December 23, 2013 <br> between General Re Life Corporation and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (g)(6) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g6.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g6.htm)<br>|
| (g)(7) | &nbsp;&nbsp; Reinsurance Agreement dated December 22, 2013 <br> between Hannover Life Reassurance Company of <br> American and The Northwestern Mutual Life Insurance <br> Company<br>| &nbsp;&nbsp; [<u>Exhibit (g)(7) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g7.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g7.htm)<br>|
| (g)(8) | &nbsp;&nbsp; Reinsurance Agreement dated December 2, 2013 between <br> SCOR Global Life USA Reinsurance Company and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (g)(8) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g8.htm)<br> [<u>1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99g8.htm)<br>|
| (h)(a)(1) | &nbsp;&nbsp; Participation Agreement dated March 16, 1999 Among <br> Russell Insurance Funds, Russell Fund Distributors, Inc. <br> and The Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (b)(8)(a) to Form N-4 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/72176/000119312505088452/dex99b8a.txt)<br> [<u>No. 66, File No. 2-29240, filed on April 28, 2005</u>](https://www.sec.gov/Archives/edgar/data/72176/000119312505088452/dex99b8a.txt)<br>|

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------

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| | | |
|:---|:---|:---|
| **Exhibit** | **Description** | **Filed Herewith/Incorporated Herein By Reference To** |
| (h)(a)(2) | &nbsp;&nbsp; Amendment No. 1 dated December 17, 2020 to the <br> Participation Agreement dated March 16, 1999 Among <br> Russell Insurance Funds, Russell Fund Distributors, Inc. <br> and The Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(a)(2) to Form N-4 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99ha2.htm)<br> [<u>No. 19 for NML Variable Annuity Account A, File No.</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99ha2.htm)<br> [<u>333-13380, filed on April 26, 2021</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99ha2.htm)<br>|
| (h)(a)(3) | &nbsp;&nbsp; Amendment No. 2 dated July 24, 2024 to the Participation <br> Agreement dated March 16, 1999, among Russell <br> Investment Funds, and Russell Investments Financial <br> Services, LLC (f/k/a Russell Fund Distributors, Inc.) and <br> The Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(a)(3) to Form N-6 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99ha3.htm)<br> [<u>No. 12 for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99ha3.htm)<br> [<u>File No. 333-230143, filed on February 14, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99ha3.htm)<br>|
| (h)(b)(1) | &nbsp;&nbsp; Participation Agreement dated May 1, 2003 among <br> Variable Insurance Products Funds, Fidelity Distributors <br> Corporation and The Northwestern Mutual Life Insurance <br> Company<br>| &nbsp;&nbsp; [<u>Exhibit (b)(8)(b) to Form N-4 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/72176/000119312505088452/dex99b8b.txt)<br> [<u>No. 66, File No. 2-29240, filed April 28, 2005</u>](https://www.sec.gov/Archives/edgar/data/72176/000119312505088452/dex99b8b.txt)<br>|
| (h)(b)(2) | &nbsp;&nbsp; Amendment No. 1 dated October 18, 2006 to <br> Participation Agreement dated May 1, 2003, by and <br> among The Northwestern Mutual Life Insurance <br> Company, Fidelity Distributors Corporation, and each of <br> Variable Insurance Products Fund, Variable Insurance <br> Products Fund II, and Variable Insurance Products Fund <br> III<br>| &nbsp;&nbsp; [<u>Exhibit (h)(1)(b)(2) to Form N-6 Pre-Effective</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312506252541/dex99h1b2.htm)<br> [<u>Amendment No. 1, File No. 333-136124, filed</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312506252541/dex99h1b2.htm)<br> [<u>December 13, 2006</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312506252541/dex99h1b2.htm)<br>|
| (h)(b)(3) | &nbsp;&nbsp; Amendment No. 2 dated February 9, 2021 to Participation <br> Agreement dated May 1, 2003, by and among The <br> Northwestern Mutual Life Insurance Company, Fidelity <br> Distributors Corporation, and each of Variable Insurance <br> Products Fund, Variable Insurance Products Fund II, and <br> Variable Insurance Products Fund III<br>| &nbsp;&nbsp; [<u>Exhibit (h)(b)(3) to Form N-4 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hb3.htm)<br> [<u>No. 19 for NML Variable annuity Account A, File No.</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hb3.htm)<br> [<u>333-13380, filed on April 26, 2021</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hb3.htm)<br>|
| (h)(b)(4) | &nbsp;&nbsp; Amendment No. 2 dated July 24, 2024, to Participation <br> Agreement dated May 1, 2003, by and among The <br> Northwestern Mutual Life Insurance Company, Fidelity <br> Distributors Company LLC (formerly Fidelity <br> Distributors Corporation) and each of Variable Insurance <br> Products Fund, Variable Insurance Products Fund II, and <br> Variable Insurance Products III, and Variable Insurance <br> Products Fund V<br>| &nbsp;&nbsp; [<u>Exhibit (h)(b)(4) to Form N-6 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hb4.htm)<br> [<u>No. 12 for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hb4.htm)<br> [<u>File No. 333-230143, filed on February 14, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hb4.htm)<br>|
| (h)(b)(5) | &nbsp;&nbsp; Amended and Restated Participation Agreement dated <br> May 1, 2025 by and among The Northwestern Mutual <br> Life Insurance Company, Fidelity Distributors Company <br> LLC, and each of Variable Insurance Products Fund, <br> Variable Insurance Products Fund II, Variable Insurance <br> Products Fund III, Variable Insurance Products Fund IV <br> and Variable Insurance Products Fund V<br>| &nbsp;&nbsp; [<u>Exhibit (h)(b)(5) to Form N-6 Pre-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hb5.htm)<br> [<u>No. 1 for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hb5.htm)<br> [<u>File No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hb5.htm)<br>|
| (h)(b)(6) | &nbsp;&nbsp; Amendment dated May 1, 2025 to the Amended and <br> Restated Participation Agreement dated May 1, 2025 by <br> and among The Northwestern Mutual Life Insurance <br> Company, Fidelity Distributors Company LLC, and each <br> of Variable Insurance Products Fund, Variable Insurance <br> Products Fund II, Variable Insurance Products Fund III, <br> Variable Insurance Products Fund IV and Variable <br> Insurance Products Fund V<br>| &nbsp;&nbsp; [<u>Exhibit (h)(b)(6) to Form N-6 Pre-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hb6.htm)<br> [<u>No. 1 for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hb6.htm)<br> [<u>File No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hb6.htm)<br>|
| (h)(c)(1) | &nbsp;&nbsp; Participation Agreement dated April 30, 2007 among <br> Neuberger Berman Advisers Management Trust, <br> Neuberger Berman Management Inc., and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(e) to Form N-6 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99he.htm)<br> [<u>No. 7, for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99he.htm)<br> [<u>File No. 333-136124, filed on April 26, 2012</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99he.htm)<br>|
| (h)(c)(2) | &nbsp;&nbsp; Amendment to Participation Agreement dated <br> January 4, 2021 among Neuberger Berman Advisers <br> Management Trust, Neuberger Berman BD LLC, and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(c)(2) to Form N-4 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hb3.htm)<br> [<u>No. 19 for NML Variable Annuity Account A, File No.</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hb3.htm)<br> [<u>333-13380, filed on April 26, 2021</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hb3.htm)<br>|

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------

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| | | |
|:---|:---|:---|
| **Exhibit** | **Description** | **Filed Herewith/Incorporated Herein By Reference To** |
| (h)(c)(3) | &nbsp;&nbsp; Amendment No. 2 dated July 24, 2024, to Participation <br> Agreement dated April 30, 2007, among Neuberger <br> Berman Advisers Management Trust, Neuberger Berman <br> BD LLC (formerly Neuberger Berman Management, <br> Inc.), and The Northwestern Mutual Life Insurance <br> Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(c)(3) to Form N-6 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hc3.htm)<br> [<u>No. 12 for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hc3.htm)<br> [<u>File No. 333-230143, filed on February 14, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hc3.htm)<br>|
| (h)(d)(1) | &nbsp;&nbsp; Participation Agreement dated September 27, 2013 <br> among Credit Suisse Trust, Credit Suisse Asset <br> Management, LLC, Credit Suisse Securities (USA) LLC, <br> and The Northwestern Mutual Life Insurance Company <br>| &nbsp;&nbsp; [<u>Exhibit (h)(b)(4) to Form N-6 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312513386596/d596896dex99hb4.htm)<br> [<u>No. 10, for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312513386596/d596896dex99hb4.htm)<br> [<u>File No. 333-136124, filed on October 1, 2013</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312513386596/d596896dex99hb4.htm)<br>|
| (h)(d)(2) | &nbsp;&nbsp; Amendment to Participation Agreement dated <br> January 4, 2021 among Credit Suisse Trust, Credit Suisse <br> Asset Management, LLC, Credit Suisse Securities (USA) <br> LLC, and The Northwestern Mutual Life Insurance <br> Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(d)(2) to Form N-4 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hd2.htm)<br> [<u>No. 19 for NML Variable annuity Account A, File No.</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hd2.htm)<br> [<u>333-13380, filed on April 26, 2021</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312521131837/d103271dex99hd2.htm)<br>|
| (h)(d)(3) | &nbsp;&nbsp; Assignment and Assumption Agreement dated <br> April 24, 2024 among Credit Suisse Securities (USA) <br> LLC, and UBS Asset Management (US) Inc.<br>| &nbsp;&nbsp; [<u>Exhibit (h)(d)(3) to Form N-6 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hd3.htm)<br> [<u>No. 12 for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hd3.htm)<br> [<u>File No.333-230143, filed on February 14, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hd3.htm)<br>|
| (h)(d)(4) | &nbsp;&nbsp; Amendment No. 2 dated July 24, 2024, to Participation <br> Agreement dated September 27, 2013, among Credit <br> Suisse Trust, UBS Asset Management (Americas) LLC <br> (formerly Credit Suisse Asset Management, LLC), and <br> UBS Asset Management (US) Inc. (formerly Credit <br> Suisse Securities (USA) LLC), and The Northwestern <br> Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(d)(4) to Form N-6 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hd4.htm)<br> [<u>No. 12 for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hd4.htm)<br> [<u>File No.333-230143, filed on February 14, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525026807/d919803dex99hd4.htm)<br>|
| (h)(e) | &nbsp;&nbsp; Fund Participation and Service Agreement dated <br> May 1, 2025 among The Northwestern Mutual Life <br> Insurance Company, Capital Client Group, Inc., American <br> Funds Insurance Series, American Funds Service <br> Company and Capital Research and Management <br> Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(e) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99he.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99he.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99he.htm)<br>|
| (h)(f) | &nbsp;&nbsp; Fund Participation Agreement dated May 1, 2025 by and <br> among The Northwestern Mutual Life Company, <br> BlackRock Investments, LLC, and each of BlackRock <br> Variable Series Funds, Inc. and BlackRock Variable Series <br> Funds II, Inc.<br>| &nbsp;&nbsp; [<u>Exhibit (h)(f) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hf.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hf.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hf.htm)<br>|
| (h)(g) | &nbsp;&nbsp; Fund Participation Agreement dated May 1, 2025 by and <br> among The Northwestern Mutual Life Company, <br> Columbia Funds Variable Insurance Trust, Columbia <br> Funds Variable Series Trust II, Columbia Management <br> Investment Advisers, LLC and Columbia Management <br> Investment Distributors, Inc.<br>| &nbsp;&nbsp; [<u>Exhibit (h)(g) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hg.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hg.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hg.htm)<br>|
| (h)(h) | &nbsp;&nbsp; Participation Agreement dated May 1, 2025 among The <br> Northwestern Mutual Life Insurance Company, <br> Northwestern Mutual Investment Services, LLC, John <br> Hancock Variable Insurance Trust and John Hancock <br> Distributors, LLC<br>| &nbsp;&nbsp; [<u>Exhibit (h)(h) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hh.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hh.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99hh.htm)<br>|
| (i) | Not Applicable |  |
| (i)(a) | &nbsp;&nbsp; Administrative Services Agreement dated April 23, 2007 <br> between The Northwestern Mutual Life Insurance <br> Company and Frank Russell Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(e)(1) to Form N-6 Pre-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99he1.htm)<br> [<u>No. 1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99he1.htm)<br>|
| (i)(b)(1) | &nbsp;&nbsp; Service Agreement dated May 1, 2003 between The <br> Northwestern Mutual Life Insurance Company and <br> Fidelity Investments Institutional Operations Company, <br> Inc.<br>| &nbsp;&nbsp; [<u>Exhibit (b)(8)(c)(2) to Form N-4 Pre-Effective</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312506165588/dex99b8c2.htm)<br> [<u>Amendment No. 1, File No. 333-133380, filed</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312506165588/dex99b8c2.htm)<br> [<u>August 8, 2006</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312506165588/dex99b8c2.htm)<br>|
| (i)(b)(2) | &nbsp;&nbsp; Amendment dated August 1, 2004 to the Service <br> Agreement dated May 1, 2003 between The Northwestern <br> Mutual Life Insurance Company and Fidelity Investments <br> Institutional Operations Company, Inc.<br>| &nbsp;&nbsp; [<u>Exhibit (b)(8)(c)(3) to Form N-4 Pre-Effective</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312506165588/dex99b8c3.htm)<br> [<u>Amendment No. 1, File No. 333-133380, filed</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312506165588/dex99b8c3.htm)<br> [<u>August 8, 2006</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312506165588/dex99b8c3.htm)<br>|

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| | | |
|:---|:---|:---|
| **Exhibit** | **Description** | **Filed Herewith/Incorporated Herein By Reference To** |
| (i)(b)(3) | &nbsp;&nbsp; Amended and Restated Service Agreement dated <br> May 1, 2025 between The Northwestern Mutual Life <br> Insurance Company and Fidelity Investments Institutional <br> Operations Company LLC<br>| &nbsp;&nbsp; [<u>Exhibit (i)(b)(3) to Form N-6 Pre-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ib3.htm)<br> [<u>No. 1 for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ib3.htm)<br> [<u>File No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ib3.htm)<br>|
| (i)(c) | &nbsp;&nbsp; Administrative Services Agreement dated <br> October 1, 2013 between Credit Suisse Securities (USA) <br> LLC and The Northwestern Mutual Life Company<br>| &nbsp;&nbsp; [<u>Exhibit (h)(h)(1) to Form N-6 Pre-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99hh1.htm)<br> [<u>No. 1, File No. 333-230143, filed August 30, 2019</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312519235022/d775662dex99hh1.htm)<br>|
| (i)(d) | &nbsp;&nbsp; Administrative Services Agreement dated May 1, 2025 <br> between The Northwestern Mutual Life Insurance <br> Company and BlackRock Advisors, LLC<br>| &nbsp;&nbsp; [<u>Exhibit (i)(d) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99id.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99id.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99id.htm)<br>|
| (i)(e) | &nbsp;&nbsp; Variable Portfolio Administrative Services Agreement <br> dated May 1, 2025 between The Northwestern Mutual <br> Life Insurance Company and Columbia Management <br> Investment Services Corp.<br>| &nbsp;&nbsp; [<u>Exhibit (i)(e) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ie.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ie.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ie.htm)<br>|
| (i)(f) | &nbsp;&nbsp; Administrative Services Agreement dated May 1, 2025 <br> between The Northwestern Mutual Life Insurance <br> Company and John Hancock Variable Trust Advisers LLC<br>| &nbsp;&nbsp; [<u>Exhibit (i)(f) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99if.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99if.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99if.htm)<br>|
| (j)(a) | &nbsp;&nbsp; Shareholder Information Agreement dated April 13, 2007 <br> among Russell Investment Management Company on <br> behalf of Russell Investment Funds and The Northwestern <br> Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (j)(a) to Form N-6 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99ja.htm)<br> [<u>7, for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99ja.htm)<br> [<u>No. 333-136124, filed on April 26, 2012</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99ja.htm)<br>|
| (j)(b) | &nbsp;&nbsp; Amendment No. 1 dated October 20, 2008 to Shareholder <br> Information Agreement dated April 13, 2007 among <br> Russell Fund Services Company on behalf of Russell <br> Investment Funds and The Northwestern Mutual Life <br> Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (j)(b) to Form N-6 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jb.htm)<br> [<u>7, for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jb.htm)<br> [<u>No. 333-136124, filed on April 26, 2012</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jb.htm)<br>|
| (j)(c) | &nbsp;&nbsp; Shareholder Information Agreement dated April 13, 2007 <br> among Fidelity Distributors Corporation on behalf of <br> Fidelity<sup>®</sup> Variable Insurance Products Fund and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (j)(c) to Form N-6 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jc.htm)<br> [<u>7, for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jc.htm)<br> [<u>No. 333-136124, filed on April 26, 2012</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jc.htm)<br>|
| (j)(d) | &nbsp;&nbsp; Shareholder Information Agreement dated April 16, 2007 <br> among Northwestern Mutual Series Fund, Inc. and The <br> Northwestern Mutual Life Insurance Company<br>| &nbsp;&nbsp; [<u>Exhibit (j)(d) to Form N-6 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jd.htm)<br> [<u>7, for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jd.htm)<br> [<u>No. 333-136124, filed on April 26, 2012</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99jd.htm)<br>|
| (j)(e) | &nbsp;&nbsp; Shareholder Information Agreement dated <br> October 16, 2007 among Neuberger Berman Management <br> Inc. and The Northwestern Mutual Life Insurance <br> Company<br>| &nbsp;&nbsp; [<u>Exhibit (j)(e) to Form N-6 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99je.htm)<br> [<u>7, for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99je.htm)<br> [<u>No. 333-136124, filed on April 26, 2012</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312512186514/d309244dex99je.htm)<br>|
| (j)(f) | &nbsp;&nbsp; Shareholder Information Agreement dated <br> September 27, 2013 among Credit Suisse Securities <br> &nbsp;&nbsp;&nbsp;&nbsp;(USA) LLC and The Northwestern Mutual Life Insurance <br> Company<br>| &nbsp;&nbsp; [<u>Exhibit (j)(f) to Form N-6 Post-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312513386596/d596896dex99jf.htm)<br> [<u>10, for Northwestern Mutual Variable Life Account II,</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312513386596/d596896dex99jf.htm)<br> [<u>File No. 333-136124, filed on October 1, 2013</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312513386596/d596896dex99jf.htm)<br>|
| (j)(g) | Power of Attorney | [<u>Filed Herewith</u>](d13451dex99jg.htm) |
| (j)(h) | NMIS/NM Annuity Operations Admin Agreement | &nbsp;&nbsp; [<u>Exhibit (b)(8)(i) to Form N-4 Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312508086933/dex99b8i.htm)<br> [<u>No. 19 for NML Variable Annuity Account A, File No.</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312508086933/dex99b8i.htm)<br> [<u>333-72913, filed April 22, 2008</u>](https://www.sec.gov/Archives/edgar/data/790162/000119312508086933/dex99b8i.htm)<br>|
| (j)(i) | &nbsp;&nbsp; Rule 22c-2 Agreement dated April 9, 2025 among The <br> Northwestern Mutual Life Insurance Company, American <br> Funds Insurance Series and American Funds Service <br> Company<br>| &nbsp;&nbsp; [<u>Exhibit (j)(i) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ji.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ji.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99ji.htm)<br>|
| (j)(j) | &nbsp;&nbsp; Business Agreement dated May 1, 2025 by and among <br> The Northwestern Mutual Life Insurance Company, <br> Northwestern Mutual Investment Services, LLC, Client <br> Capital Group, Inc. and Capital Research and <br> Management Company<br>| &nbsp;&nbsp; [<u>Exhibit (j)(j) to Form N-6 Pre-Effective Amendment No.</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99jj.htm)<br> [<u>1 for Northwestern Mutual Variable Life Account II, File</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99jj.htm)<br> [<u>No. 333-282581, filed on May 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1359314/000119312525110066/d860905dex99jj.htm)<br>|
| (k) | Opinion and Consent of Counsel | &nbsp;&nbsp; Exhibit (k) to Form N-6 Post-Effective No. 14 for The <br> Northwestern Mutual Variable Life Account II, File No. <br> 333-230143, filed on June 2, 2025<br>|
| (l) | Not Applicable |  |
| (m) | Not Applicable |  |
| (n) | Consent of PricewaterhouseCoopers LLP  | To be Filed by Amendment |

---

------

---

| | | |
|:---|:---|:---|
| **Exhibit** | **Description** | **Filed Herewith/Incorporated Herein By Reference To** |
| (o) | Not Applicable |  |
| (p) | Not Applicable |  |
| (q) | &nbsp;&nbsp; Memorandum describing Issuance, Transfer and <br> Redemption Procedures<br>| To be Filed by Amendment |
| (r) | Form of Initial Summary Prospectus (ISP) | [<u>Filed Herewith</u>](d13451dex99r.htm) |
| 101.INS <br> XBRL<br>| Instance Document |  |
| 101.SCH <br> XBRL<br>| Taxonomy Extension Schema Document |  |
| 101.CAL <br> XBRL<br>| Taxonomy Extension Calculation Linkbase Document |  |
| 101.DEF <br> XBRL<br>| Taxonomy Extension Definition Linkbase Document |  |
| 101.LAB <br> XBRL<br>| Taxonomy Extension Label Linkbase Document |  |
| 101.PRE <br> XBRL<br>| Taxonomy Extension Presentation Linkbase Document |  |

---

Item 31. Directors and Officers of the Depositor

The following lists include all of the Trustees, executive officers and other officers of The Northwestern Mutual Life Insurance Company without regard to their activities relating to variable life insurance policies or their authority to act or their status as "officers" as that term is used for certain purposes of the federal securities laws and rules thereunder.

**TRUSTEES – As of February 1, 2026** 

---

| | |
|:---|:---|
| **Name** | **Address** |
| **Anne F. Ackerley** | &nbsp;&nbsp; Retired Managing Director - BlackRock (Retirement Group) <br> BlackRock<br> 225 W. 86<sup>th</sup> Street, Apt. #1005<br> New York, NY 10024<br>|
| **Teresa M. Bitetti** | &nbsp;&nbsp; President, Global Oncology Business Unit<br> Takeda Pharmaceuticals International, Inc.<br> 40 Lansdowne Street, 7<sup>th</sup> Floor<br> Cambridge, MA 02139<br>|
| **Nicholas E. Brathwaite** | &nbsp;&nbsp; Founding Managing Partner<br> Celesta Capital<br> 1850 Gateway Drive, Suite 450<br> San Mateo, CA 94404<br>|
| **Andrew T. Feldstein** | &nbsp;&nbsp; Retired CEO & CIO<br> BlueMountain Capital Management<br> (n/k/a Assured Investment Management)<br> 20 Tompkins Road<br> Scarsdale, NY 10583<br>|
| **Timothy J. Gerend** | &nbsp;&nbsp; Chairman, President & Chief Executive Officer <br> Northwestern Mutual<br> 720 E. Wisconsin Avenue<br> Milwaukee, WI 53202<br>|
| **Andrew J. Harmening** | &nbsp;&nbsp; President and Chief Executive Officer<br> Associated Bank<br> Associated Bank River Center<br> 111 E. Kilbourn Ave, 2<sup>nd</sup> Floor, Suite 200<br> Milwaukee, WI 53202<br>|

---

------

---

| | |
|:---|:---|
| **Name** | **Address** |
| **David P. Hollander** | &nbsp;&nbsp; Retired Principal, Global Insurance Sector Leader<br> Ernst & Young, LLP<br> 180 Golf House Road<br> Haverford, PA 19041<br>|
| **Randolph W. Melville** | &nbsp;&nbsp; Retired Senior Vice President<br> Frito-Lay North America<br> 7901 Windrose Avenue, Unit 604<br> Plano, TX 75024<br>|
| **Jaime Montemayor** | &nbsp;&nbsp; Chief Digital and Technology Officer<br> General Mills<br> One General Mills Boulevard<br> Minneapolis, MN 55426<br>|
| **Timothy H. Murphy** | &nbsp;&nbsp; Vice Chair<br> Mastercard, Inc.<br> 2000 Purchase Street<br> Purchase, NY 10577<br>|
| **Andrew N. Nunemaker** | &nbsp;&nbsp; Chief Executive Officer<br> Groupware Technologies<br> 10437 W. Innovation Drive, Suite 306<br> Wauwatosa, WI 53226<br>|
| **Anne M. Paradis** | &nbsp;&nbsp; Retired Chief Executive Officer<br> MicroTek, Inc.<br> 69A Howland Street<br> Provincetown, MA 02657<br>|
| **Sandra R. Rogers** | &nbsp;&nbsp; Retired Vice President – Supply Chain<br> Hillrom<br> 12363 E. Black Rock Road<br> Scottsdale, AZ 85255<br>|
| **Aarti S. Shah** | &nbsp;&nbsp; Retired Senior Vice President, Chief Information and Digital <br> Officer<br> Eli Lilly<br> 13360 Sioux Trail<br> Carmel, IN 46033<br>|
| **Juan C. Zarate** | &nbsp;&nbsp; Global Co-Managing Partner & Chief Strategy Officer<br> K2 Integrity<br> 1050 Connecticut Avenue NW, Suite 680<br> Washington, DC 20036<br>|

---

**EXECUTIVE OFFICERS – As of February 1, 2026** 

---

| | |
|:---|:---|
| **Timothy J. Gerend** | Chairman, President & Chief Executive Officer |
| **John E. Bentley** | Executive Vice President & Chief Investment Officer |
| **Kelly I. Culler** | Executive Vice President & Chief People Officer |
| **Todd M. Jones** | Executive Vice President & Chief Financial Officer  |
| **Raymond J. Manista** | Executive Vice President, Chief Legal & Public Affairs Officer |
| **John C. Roberts** | Executive Vice President & Chief Field Officer |
| **Bethany M. Rodenhuis** | &nbsp;&nbsp; Executive Vice President & Chief Operating Officer and <br> Business Architect<br>|
| **Jeffrey D. Sippel** | Executive Vice President & Chief Strategy Officer |
| **Kamilah D. Williams-Kemp** | Executive Vice President & Chief Product Officer |

---

The business address for all of the executive officers and other officers is 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202.

------

Item 32. Persons Controlled By or Under Common Control with the Depositor or Registrant

The subsidiaries of The Northwestern Mutual Life Insurance Company ("Northwestern Mutual"), as of December 31, 2025 are shown below. In addition to the subsidiaries shown below, the following separate investment accounts (which include the Registrant) may be deemed to be either controlled by, or under common control with, Northwestern Mutual:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. NML Variable Annuity Account A

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. NML Variable Annuity Account B

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. NML Variable Annuity Account C

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Northwestern Mutual Variable Life Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Northwestern Mutual Variable Life Account II

**<u>NORTHWESTERN MUTUAL CORPORATE STRUCTURE</u>**<sup>(1)</sup>

**(as of December 31, 2025)** 

---

| | | | |
|:---|:---|:---|:---|
| **Legal Entity Name** | &nbsp;&nbsp; **Domestic** <br> **Jurisdiction**<br>| **Owner(s)** | **Owner %** |
| Operating Subsidiaries |  |  |  |
| Mason Street Advisors LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Northwestern Long Term Care Insurance Company<sup>(2)</sup> <br>| Wisconsin | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| &nbsp;&nbsp; Northwestern Mutual Investment Management Company <br> LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Northwestern Mutual Investment Services LLC<sup>(2)</sup> <br>| Wisconsin | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Northwestern Mutual Wealth Management Company<sup>(2)</sup> <br>| Wisconsin | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| All Other Subsidiaries |  |  |  |
| 1838938 Alberta Ltd<sup>(2)</sup> <br>| Canada | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| 200 12th Street LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| 720 East LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; Northwestern Mutual <br> Investment Management <br> Company LLC<br>| 100.00 |
| 777 North Van Buren Apartments LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| 777 North Van Buren Parking LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| 777 North Van Buren Retail LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| AC 2020 NMTC Investor LLC<sup>(2)</sup> <br>| Louisiana | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 99.00 |
| Aliyah Apartment Owner LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 90.00 |
| Amber LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| Baraboo Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Bayridge LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Legal Entity Name** | &nbsp;&nbsp; **Domestic** <br> **Jurisdiction**<br>| **Owner(s)** | **Owner %** |
| BCC Cancer Center Venture LP<sup>(2)</sup>  | Delaware | NM Cancer Center GP LLC | 0.01 |
| BCC Cancer Center Venture LP<sup>(2)</sup>  | Delaware | NM Imperial LLC | 83.99 |
| BCC Cancer Center Venture LP<sup>(2)</sup>  | Delaware | RE Corp | 16.00 |
| Bell Road Venture Partners LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 90.00 |
| Bishop Square LLC<sup>(2)</sup> <br>| Delaware | NM BSA LLC | 100.00 |
| Brandywine Distribution LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Burgundy LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| C - Land Fund LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| Capitol View Joint Venture<sup>(2)</sup> <br>| Tennessee | C-Land Fund LLC | 85.00 |
| Capitol View JV-D<sup>(2)</sup> <br>| Tennessee | C-Land Fund LLC | 80.00 |
| Capitol View JV-E<sup>(2)</sup> <br>| Tennessee | C-Land Fund LLC | 70.00 |
| Cedarstone LLC<sup>(2)</sup> <br>| Delaware | Baraboo Inc | 100.00 |
| Chateau LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Coral Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Cortona Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| Cream City Venture Capital LLC<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 99.00 |
| Cream City Venture Capital LLC<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; NML Development <br> Corporation<br>| 1.00 |
| Crosland Greens LLC<sup>(2)</sup> <br>| &nbsp;&nbsp; North <br> Carolina<br>| C-Land Fund LLC | 85.00 |
| Crown Farm Partners LLC<sup>(2)</sup>  | Maryland | NM Imperial LLC | 99.00 |
| Crown Farm Partners LLC<sup>(2)</sup>  | Maryland | RE Corp | 1.00 |
| Dortmund LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Ellington Residential LLC<sup>(2)</sup> <br>| Maryland | Crown Farm Partners, LLC | 100.00 |
| Fairfield Potomac Club LLC<sup>(2)</sup>  | Delaware | NM Imperial LLC | 99.00 |
| Fairfield Potomac Club LLC<sup>(2)</sup>  | Delaware | RE Corp | 1.00 |
| FC JCAF VI NM GP LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| FES LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Fifth and Lavaca Republic Square Limited Partnership<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 94.05 |
| Fifth and Lavaca Republic Square Limited Partnership<sup>(2)</sup>  | Delaware | NM Twin Creeks GP LLC | 0.95 |
| GRO-SUB LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Hazel Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Higgins Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| High Street Station Square Pittsburgh I LLC<sup>(2)</sup>  | Delaware | NM Imperial LLC | 89.00 |
| High Street Station Square Pittsburgh I LLC<sup>(2)</sup>  | Delaware | NM High Street 1 LLC | 11.00 |
| Hobby Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Legal Entity Name** | &nbsp;&nbsp; **Domestic** <br> **Jurisdiction**<br>| **Owner(s)** | **Owner %** |
| Hollenberg 1 Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Iron Key Insurance Services LLC<sup>(2)</sup> <br>| Delaware | Lake Emily Holdings LLC | 100.00 |
| Lake Emily Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Lakelands Associates LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 85.00 |
| Logan Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| Los Alamitos Corporate Center Joint Venture LLC<sup>(2)</sup>  | California | NM Imperial LLC | 99.00 |
| Los Alamitos Corporate Center Joint Venture LLC<sup>(2)</sup>  | California | RE Corp | 1.00 |
| Maroon Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Mason & Marshall Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| MCC Castro Station LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 98.50 |
| Model Portfolios LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Network Office Cashiership LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NM Career Distribution <br> Holdings LLC<br>| 100.00 |
| Nicolet Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM BSA LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| NM Cancer Center GP LLC<sup>(2)</sup> <br>| Delaware | NM Imperial LLC | 100.00 |
| NM Career Distribution Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM CLO Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM DFW Lewisville LLC<sup>(2)</sup> <br>| Delaware | NM Majestic Holdings LLC | 100.00 |
| NM Eagle I LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM Finance Partners LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM Gen LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM GP Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM Green LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| NM High Street 1 LLC<sup>(2)</sup>  | Delaware | NM Imperial LLC | 89.00 |
| NM High Street 1 LLC<sup>(2)</sup>  | Delaware | NM High Street 2 LLC | 11.00 |
| NM High Street 2 LLC<sup>(2)</sup> <br>| Delaware | NM Imperial LLC | 100.00 |
| NM Imperial LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| NM Investment Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM Lion LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Legal Entity Name** | &nbsp;&nbsp; **Domestic** <br> **Jurisdiction**<br>| **Owner(s)** | **Owner %** |
| NM Majestic Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| NM Neptune LLC<sup>(2)</sup> <br>| Delaware | NM Regal LLC | 100.00 |
| NM Network Office 135 Insurance Agency LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NM Career Distribution <br> Holdings LLC<br>| 100.00 |
| NM Pebble Valley LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM Pioneer LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM QOZ Fund II LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; QOZ Holding Company <br> LLC<br>| 100.00 |
| NM QOZ Fund III LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; QOZ Holding Company <br> LLC<br>| 100.00 |
| NM QOZ Fund IV LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; QOZ Holding Company <br> LLC<br>| 100.00 |
| NM QOZ Fund LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; QOZ Holding Company <br> LLC<br>| 100.00 |
| NM Raven LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NM Strategic Asset Holdings <br> LLC<br>| 100.00 |
| NM RE Funds LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| NM Regal LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM Royal LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NM Strategic Asset Holdings <br> LLC<br>| 100.00 |
| NM Strategic Asset Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM TES LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM Twin Creeks GP LLC<sup>(2)</sup> <br>| Delaware | NM Imperial LLC | 100.00 |
| NM Van Buren LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM VI Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM-808 West LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NMC JCAF VI CARRY LP<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; Northwestern Mutual <br> Investment Management <br> Company LLC<br>| 35.71 |
| NMC V GP LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| NMC VI GP LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| NM-Hemlock LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM-Jasper LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NML Development Corporation<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NML Real Estate Holdings LLC<sup>(2)</sup> <br>| Wisconsin | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NML Securities Holdings LLC<sup>(2)</sup> <br>| Wisconsin | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Legal Entity Name** | &nbsp;&nbsp; **Domestic** <br> **Jurisdiction**<br>| **Owner(s)** | **Owner %** |
| NMLSP1 LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| NM-MNO LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NM Career Distribution <br> Holdings LLC<br>| 100.00 |
| NMPE I GP LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| NMPE II GP LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| NMPE III GP LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| NMPE IV GP LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| NMPE V GP LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| NM-Port Royale LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM-RESA LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NMRM Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| NM-SAS LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NM-Target Distribution Center 1 LLC<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; NM-Target.com Distribution <br> Center LLC<br>| 89.00 |
| NM-Target Distribution Center 1 LLC<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; NM-Target Distribution <br> Center -2 LLC<br>| 11.00 |
| NM-Target Distribution Center 2 LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NM-Target.com Distribution <br> Center LLC<br>| 100.00 |
| NM-Target Distribution Center Property Owner LLC<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; NM-Target.com Distribution <br> Center LLC<br>| 89.00 |
| NM-Target Distribution Center Property Owner LLC<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; NM-Target Distribution <br> Center -1 LLC<br>| 11.00 |
| NM-Target.com Distribution Center LLC<sup>(2)</sup> <br>| Delaware | NM Imperial LLC | 100.00 |
| Northwestern Mutual Capital Equity Fund VII LP<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 13.38 |
| Northwestern Mutual Capital Equity Fund VII-A LP<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 39.00 |
| Northwestern Mutual Capital Equity GP VII LP<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 50.00 |
| Northwestern Mutual Capital GP III LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| Northwestern Mutual Capital GP IV LLC<sup>(2)</sup> <br>| Delaware | NM GP Holdings LLC | 100.00 |
| Northwestern Mutual MU TLD Registry LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Northwestern Mutual Registry LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Northwestern Mutual Series Fund, Inc<sup>(3)</sup> <br>| Maryland | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| NP Keystone Building 1 LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 82.75 |
| NP Keystone Building 20 LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 91.00 |
| NP Keystone Building 3 LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 84.00 |
| NP Keystone Building 5 LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 93.50 |
| Osprey Links Golf Course LLC<sup>(2)</sup> <br>| Delaware | Osprey Links LLC | 100.00 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Legal Entity Name** | &nbsp;&nbsp; **Domestic** <br> **Jurisdiction**<br>| **Owner(s)** | **Owner %** |
| Osprey Links LLC<sup>(2)</sup>  | Delaware | NM Imperial LLC | 99.00 |
| Osprey Links LLC<sup>(2)</sup>  | Delaware | RE Corp | 1.00 |
| Plantation Oaks MHC-NM LLC<sup>(2)</sup> <br>| Delaware | NM Imperial LLC | 100.00 |
| Pompano Property Partners LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 90.00 |
| QOZ Holding Company LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| RE Corp<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| Realen Valley Forge Greenes Associates<sup>(2)</sup> <br>| Pennsylvania | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 95.93 |
| Russet Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| Scaleybark Phase I LLC<sup>(2)</sup> <br>| Delaware | C-Land Fund LLC | 85.00 |
| Seattle Network Office LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NM Career Distribution <br> Holdings LLC<br>| 100.00 |
| Seazen GP LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Seazen Rocky Point LP<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 99.90 |
| Seazen Rocky Point LP<sup>(2)</sup>  | Delaware | Seazen GP LLC | 0.10 |
| Tampa Mariner Street Apts LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 90.00 |
| Tupelo Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Two Con Holdings LLC<sup>(2)</sup> <br>| Delaware | Bishop Square LLC | 100.00 |
| Two Con LLC<sup>(2)</sup> <br>| Delaware | Two Con Holdings LLC | 100.00 |
| Two Con SPE LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| Variable Innovation LLC<sup>(2)</sup> <br>| Delaware | NM VI Holdings LLC | 100.00 |
| Ventura Lakes MHC-NM LLC<sup>(2)</sup> <br>| Delaware | NM Imperial LLC | 100.00 |
| Vienna Metro Joint Venture LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 85.00 |
| Walden OC LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Real Estate Holdings <br> LLC<br>| 100.00 |
| Waterside Lanier Venture Partners LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 91.00 |
| Wells Street LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Westpark Corporate Center LLC<sup>(2)</sup>  | Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 44.50 |
| Westpark Corporate Center LLC<sup>(2)</sup>  | Delaware | NM GP Holdings LLC | 44.50 |
| White Oaks Inc<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; NML Securities Holdings <br> LLC<br>| 100.00 |
| Wysh Financial LLC<sup>(2)</sup> <br>| Delaware | Wysh Holdings LLC | 100.00 |
| Wysh Holdings LLC<sup>(2)</sup> <br>| Delaware | &nbsp;&nbsp; The Northwestern Mutual <br> Life Insurance Company<br>| 100.00 |
| Wysh Life and Health Insurance Company<sup>(2)</sup> <br>| Wisconsin | Wysh Holdings LLC | 100.00 |
| Wysh LLC<sup>(2)</sup> <br>| New York | Wysh Holdings LLC | 100.00 |

---

------

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

(1) Certain subsidiaries are omitted on the basis that, considered in the aggregate at year end 2025, they did not constitute a significant subsidiary as defined by Regulation S-X. Certain investment partnerships and limited liability companies that hold real estate assets of The Northwestern Mutual Life Insurance Company are not represented.

(2) Subsidiary included in the consolidated financial statements.

(3) Northwestern Mutual Series Fund, Inc. consists of 30 series of capital stock, each a separate investment portfolio (the "Portfolios"). The Portfolios consist of: Active/Passive Conservative Portfolio, Active/Passive Balanced Portfolio, Active/Passive Moderate Portfolio, Active/Passive Aggressive Portfolio, Active/Passive Very Aggressive Portfolio, Domestic Equity Portfolio, Emerging Markets Portfolio, Equity Income Portfolio, Focused Appreciation Portfolio, Government Money Market Portfolio, Growth Stock Portfolio, High Yield Bond Portfolio, Index 400 Stock Portfolio, Index 500 Stock Portfolio, Index 600 Stock Portfolio, Inflation Managed Portfolio, International Equity Portfolio, International Growth Portfolio, Large Cap Blend Portfolio, Large Cap Core Stock Portfolio, Large Company Value Portfolio, Long-Tern U.S. Government Bond Portfolio, Mid Cap Growth Stock Portfolio, Mid Cap Value Portfolio, Multi-Sector Bond Portfolio, Research International Core Portfolio, Select Bond Portfolio, Short-Term Bond Portfolio, Small Cap Growth Stock Portfolio, and Small Cap Value Portfolio.

Item 33. Indemnification

(a) That portion of the By-laws of the Depositor, Northwestern Mutual, relating to indemnification of Trustees and officers is set forth in full in Article VII of the By-laws of Northwestern Mutual, amended by resolution and previously filed as Exhibit A(6)(b) to the registration statement of Northwestern Mutual Variable Life Account (File No. 333-59103) on July 15, 1998.

(b) Section 10 of the Distribution Agreement dated May 1, 2006 between Northwestern Mutual and Northwestern Mutual Investment Services, LLC ("NMIS") provides substantially as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Indemnification by Company. The Company agrees to indemnify, defend and hold harmless NMIS, its successors and assigns, and their respective officers, directors, and employees (together referred to as "NMIS Related Persons"), from any and all joint or several losses, claims, damages or liabilities (including any reasonable investigative, legal and other expenses incurred in connection with, and any amounts paid in settlement of, any action, suit or proceeding or any claim asserted), to which NMIS and/or any NMIS Related Persons may become subject, under any law, regulation or NASD rule, at common law or otherwise, that arises out of or are based upon (i) any breach of this Agreement by the Company and (ii) any untrue statement of or omission to state a material fact (except for information supplied by or on behalf of NMIS or for which NMIS is responsible) contained in any Registration Statement, Contract prospectus, SAI or supplement thereto or in any Marketing Material.

This indemnification shall be in addition to any liability that the Company may otherwise have; provided, however, that no person shall be entitled to indemnification pursuant to this provision for any loss, claim, damage or liability due to the willful misfeasance, bad faith or gross negligence or reckless disregard of duty by the person seeking indemnification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Indemnification by NMIS. NMIS agrees to indemnify, defend and hold harmless the Company, its successors and assigns, and their respective officers, trustees or directors, and employees (together referred to as "Company Related Persons"), from any and all joint or several losses, claims, damages or liabilities (including any reasonable investigative, legal and other expenses incurred in connection with, and any amounts paid in settlement of, any action, suit or proceeding or any claim asserted), to which the Company and/or any Company Related Persons may become subject, under any law, regulation or NASD rule, at common law or otherwise, that arises out of or are based upon (i) any breach of this Agreement by NMIS and (ii) any untrue statement of or omission to state a material fact (except for information supplied by or on behalf of the Company or for which the Company is responsible) contained in any Registration Statement, Contract prospectus, SAI or supplement thereto or in any Marketing Material, in each case to the extent, but only to the extent, that such untrue statement or alleged untrue statement or omission or alleged omission was made in reliance upon information furnished in writing by NMIS to the Company specifically for use in the preparation of the aforesaid material.

This indemnification shall be in addition to any liability that NMIS may otherwise have; provided however, that no person shall be entitled to indemnification pursuant to this provision for any loss, claim, damage or liability due to the willful misfeasance, bad faith or gross negligence or reckless disregard of duty by the person seeking indemnification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Indemnification Generally. Any person seeking indemnification under this section shall promptly notify the indemnifying party in writing after receiving notice of the commencement of any action as to which a claim for indemnification will be made; provided, however, that failure to so notify the indemnifying party shall not relieve such party from any liability which it may have to such person otherwise than on account of this section.

The indemnifying party shall be entitled to participate in the defense of the indemnified person but such participation will not relieve such indemnifying party of the obligation to reimburse the indemnified party for reasonable legal and other expenses incurred by such party in defending himself, herself or itself.

------

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

Item 34. Principal Underwriters

(a) NMIS is the principal underwriter of the securities of the Registrant. NMIS also acts as the principal underwriter for the NML Variable Annuity Account A (811-21887), the NML Variable Annuity Account B (811-1668), the NML Variable Annuity Account C (811-21886), Northwestern Mutual Variable Life Account (811-3989), and the Trust for Professional Managers (811-10401).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) As of February 1, 2026, the directors and officers of NMIS are as follows:

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| | |
|:---|:---|
| Name | Position  |
| Brett Albers | Treasurer, Financial and Operations Principal |
| Quentin M. Doll | Director |
| Bradley L. Eull | Secretary |
| Betsy Heisler | Vice President - Risk Products |
| Thomas R. Hendricks | Vice President - Wealth Qualified Programs |
| Dean M. Hopp | Vice President - IPS Investment Programs |
| Dawn M. Kalinowski | Chief Operating Officer |
| Susan K. Limbach | Assistant Treasurer |
| Nicole E. Lund | Vice President - NMIS Compliance, Chief Compliance Officer |
| Kelly L. Martin | Assistant Treasurer |
| Alyssa G. Meyer | Senior Director - IPS Oversight and Controls |
| Roderick W. Mikus | Vice President - Operations |
| Alaka S. Mishal | Chief Technology Officer |
| Blaire L. Puls | Variable Investment Product Consultant |
| John C. Roberts | Executive Vice President, Chief Distribution Officer |
| Michelle A. Rossi-Weida  | NMIS Anti-Money Laundering Officer |
| Deborah A. Schultz | Director |
| Justin Stipan | Distribution Performance Principal |
| Oritse J. Uku | Chief Information Security Officer |
| Laila M. Valters | President |
| Jonathan P. Viard | Vice President, Supervision Programs |
| Becki Williams | Vice President - Advanced Markets |
| Kamilah D. Williams-Kemp | Executive Vice President – New Business |
| Terry R. Young | Assistant Secretary |
| Erik W. Zipp | Vice President, Advisor Transitions |

---

The address for each director and officer of NMIS is 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202.

(c) NMIS, the principal underwriter, received $166,344,953 of commissions and other compensation, directly or indirectly, from Registrant during the last fiscal year.

Item 35. Location of Accounts and Records

All accounts, books or other documents required to be maintained in connection with the Registrant's operations are maintained in the physical possession of Northwestern Mutual at 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202.

Item 36. Management Services

There are no management-related service contracts, other than those referred to in Part A or Part B of this Registration Statement, under which management-related services are provided to the Registrant and pursuant to which total payments of $15,000 or more were made during any of the last three fiscal years.

------

Item 37. Fee Representation

The Northwestern Mutual Life Insurance Company hereby represents that the fees and charges deducted under the variable universal life insurance policies which are the subject of this registration statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by the insurance company under the policies.

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SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, and the Investment Company Act of 1940, the Registrant, Northwestern Mutual Variable Life Account II, has duly caused this Amended Registration Statement to be signed on its behalf, in the City of Milwaukee, and State of Wisconsin, on February 13, 2026.

Northwestern Mutual Variable Life Account II <br> (Registrant)

By THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY (Depositor)

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

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| | |
|:---|:---|
| By:  | /s/ Raymond J. Manista |
|  | &nbsp;&nbsp; Raymond J. Manista<br> Executive Vice President, Chief Legal & <br> Public Affairs Officer<br>|

---

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the Depositor on February 13, 2026.

THE NORTHWESTERN MUTUAL LIFE <br>INSURANCE COMPANY <br>(Depositor)

---

| | |
|:---|:---|
| By:  | /s/ Raymond J. Manista |
|  | &nbsp;&nbsp; Raymond J. Manista<br> Executive Vice President, Chief Legal & <br> Public Affairs Officer<br>|

---

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below by the following persons in the capacities with the Depositor and on the dates indicated:

---

| | | |
|:---|:---|:---|
| **Signature** | **Date** | **Title** |
| /s/ Timothy J. Gerend | February 13, 2026 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Chairman, Trustee and Chief Executive Officer;<br> Principal Executive Officer |
| Timothy J. Gerend |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Chairman, Trustee and Chief Executive Officer;<br> Principal Executive Officer |
| /s/ Todd M. Jones | February 13, 2026 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Executive Vice President and Chief Financial<br> Officer; Principal Financial<br> Officer |
| Todd M. Jones |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Executive Vice President and Chief Financial<br> Officer; Principal Financial<br> Officer |
| /s/ Charles S. Mondesir | February 13, 2026 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Vice President, Chief Accounting Officer and<br> Controller; Principal Accounting Officer |
| Charles S. Mondesir |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Vice President, Chief Accounting Officer and<br> Controller; Principal Accounting Officer |

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------

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

---

| | |
|:---|:---|
| Signature | Title |
| /s/ Anne F. Ackerley\* | Trustee  |
| Anne F. Ackerley |  |
| /s/ Teresa M. Bitetti\* | Trustee  |
| Teresa M. Bitetti |  |
| /s/ Nicholas E. Brathwaite\* | Trustee |
| Nicholas E. Brathwaite |  |
| /s/ Andrew T. Feldstein\* | Trustee |
| Andrew T. Feldstein |  |
| /s/ Andrew J. Harmening\* | Trustee  |
| Andrew J. Harmening |  |
| /s/ David P. Hollander\* | Trustee  |
| David P. Hollander |  |
| /s/ Randolph W. Melville\* | Trustee  |
| Randolph W. Melville |  |
| /s/ Jaime Montemayor\* | Trustee  |
| Jaime Montemayor |  |
| /s/ Timothy H. Murphy\* | Trustee |
| Timothy H. Murphy |  |
| /s/ Andrew N. Nunemaker\* | Trustee |
| Andrew N. Nunemaker |  |
| /s/ Anne M. Paradis\* | Trustee |
| Anne M. Paradis |  |
| /s/ Sandra R. Rogers\* | Trustee |
| Sandra R. Rogers |  |
| /s/ Aarti S. Shah\* | Trustee |
| Aarti S. Shah |  |
| /s/ Juan C. Zarate\* | Trustee |
| Juan C. Zarate |  |

---

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

---

| | |
|:---|:---|
| \*By: | /s/ Raymond J. Manista |
|  | Raymond J. Manista, Attorney in fact, pursuant to the Power of Attorney filed herewith. |

---

Each of the signatures is affixed as of February 13, 2026.

------

EXHIBIT INDEX <br>EXHIBITS FILED WITH FORM N-6 <br>POST-EFFECTIVE AMENDMENT NO. 15 TO <br>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 <br>FOR <br>Northwestern Mutual Variable Life Account II

---

| | | |
|:---|:---|:---|
| **Exhibit** | **Description** |  |
| (j)(g) | Power of Attorney  | Filed herewith |
| (r) | Form of Initial Summary Prospectus | Filed herewith |

---

------

## Ex-99.(J)(G)

**THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY**

**TRUSTEES'** <br>**POWER OF ATTORNEY**

KNOW ALL PERSONS BY THESE PRESENTS that each of the undersigned Trustees of THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY, organized by a special act of the Wisconsin Legislature (the "Company"), by his or her execution hereof, or an identical counterpart hereof, does hereby constitute and appoint Timothy J. Gerend and Raymond J. Manista, as his or her attorney-in-fact and agent, and in his or her name, place and stead, each of whom may act individually and none of whom is required to act jointly with the other, to execute and sign any initial registration statement, including any pre-effective or post-effective amendments thereto, together with all exhibits and schedules thereto and other documents and instruments associated therewith to be filed on either Form N-4 or Form N-6 (or on any other applicable form) with the Securities and Exchange Commission (the "SEC") under the Securities Act of 1933 and/or the Investment Company Act of 1940 in connection with variable contracts issued through separate accounts that are established by the Company, including the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) NML Variable Annuity Account A (333-72913);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) NML Variable Annuity Account A (Fee-Based) (333-133380);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) NML Variable Annuity Account B (2-29240);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) NML Variable Annuity Account B (Fee-Based) (333-33232);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) NML Variable Annuity Account C (2-89905-01);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) NML Variable Annuity Account C (Network Edition) (333-133381);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) Northwestern Mutual Variable Life Account (2-89972);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) Northwestern Mutual Variable Life Account II (811-21933);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Northwestern Mutual Variable CompLife (33-89188);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) Northwestern Mutual Variable Executive Life (333-36865);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(k) Northwestern Mutual Variable Joint Life (333-59103);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(l) Northwestern Mutual Custom Variable Universal Life (333-136124);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(m) Northwestern Mutual Executive Variable Universal Life (333-136305);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(n) Northwestern Mutual Survivorship Variable Universal Life (333-136308);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(o) Northwestern Mutual Variable Universal Life Plus (333-230143);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(p) Northwestern Mutual Executive Variable Universal Life II (333-230144);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(q) Northwestern Mutual Variable Universal Life Plus – New York (333-233805); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(r) Northwestern Mutual Survivorship Variable Universal Life Plus (333-282581).

Each of the undersigned does hereby further authorize said attorney-in-fact and agent to make said filings with the SEC and with any federal or state securities or insurance regulatory authority as they determine to be required or necessary until such time as this authorization is superseded by a subsequent power of attorney or other Board action. Each of the undersigned hereby ratifies and confirms all acts of each and either of said attorney-in-fact and agent which they may lawfully do or cause to be done by virtue hereof. As used herein, "variable contracts" means any contracts providing for benefits or values which may vary according to the investment experience of the separate account associated therewith, including variable annuity contracts and variable life insurance policies.

IN WITNESS WHEREOF, each of the undersigned has hereunto set his or her hand this 15<sup>th</sup> day of September, 2025.

------

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

---

| | |
|:---|:---|
| Signature | Title |
| /s/ Timothy J. Gerend | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Chairman, Trustee and Chief Executive Officer;<br> Principal Executive Officer |
| Timothy J. Gerend | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Chairman, Trustee and Chief Executive Officer;<br> Principal Executive Officer |
| /s/ Anne F. Ackerley | Trustee  |
| Anne F. Ackerley |  |
| /s/ Teresa M. Bitetti | Trustee  |
| Teresa M. Bitetti |  |
| /s/ Nicholas E. Brathwaite | Trustee |
| Nicholas E. Brathwaite |  |
| /s/ Andrew T. Feldstein | Trustee |
| Andrew T. Feldstein |  |
| /s/ Andrew J. Harmening | Trustee |
| Andrew J. Harmening |  |
| /s/ David P. Hollander | Trustee  |
| David P. Hollander |  |
| /s/ Randolph W. Melville | Trustee  |
| Randolph W. Melville |  |
| /s/ Jaime Montemayor | Trustee  |
| Jaime Montemayor |  |
| /s/ Timothy H. Murphy | Trustee |
| Timothy H. Murphy |  |
| /s/ Andrew N. Nunemaker | Trustee |
| Andrew N. Nunemaker |  |
| /s/ Anne M. Paradis | Trustee |
| Anne M. Paradis |  |
| /s/ Sandra R. Rogers | Trustee |
| Sandra R. Rogers |  |
| /s/ Aarti S. Shah | Trustee |
| Aarti S. Shah |  |
| /s/ Juan C. Zarate | Trustee |
| Juan C. Zarate |  |

---

------

## Ex-99.(R)

**Variable Universal Life Plus**

Issued by The Northwestern Mutual Life Insurance Company ("[Northwestern Mutual](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834)") <br>through Northwestern Mutual Variable Life Account II (the "[Separate Account](#bookmark_separateaccount_f86ce947-4c03-4e42-986a-619275f83834)")

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

This [Summary Prospectus](#bookmark_summaryprospectus_f86ce947-4c03-4e42-986a-619275f83834) summarizes key features of your individual flexible premium variable universal life policy (the ["Policy"](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)). Before you invest, you should also review the statutory prospectus for the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) (the "[Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834)"), which contains more information about the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)'s features, benefits, and risks. You can find this document and other information about the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) **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_f86ce947-4c03-4e42-986a-619275f83834)[Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834). You should review the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834), or consult with your [Financial Representative](#bookmark_financialrepresentative_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) **or passed upon the adequacy of this** [**Summary Prospectus**](#bookmark_summaryprospectus_f86ce947-4c03-4e42-986a-619275f83834)**. Any representation to the contrary is a criminal offense.**

Subject to the limitations discussed in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834), you may choose to invest your [Net Premiums](#bookmark_netpremiums_f86ce947-4c03-4e42-986a-619275f83834) in up to 30 [Divisions](#bookmark_divisions_f86ce947-4c03-4e42-986a-619275f83834) of [Separate Account](#bookmark_separateaccount_f86ce947-4c03-4e42-986a-619275f83834) as well as a fixed option under certain circumstances. Each [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) of the [Separate Account](#bookmark_separateaccount_f86ce947-4c03-4e42-986a-619275f83834) invests exclusively in shares of a single series of a [Fund](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) (i.e., an underlying portfolio or a "[Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834)").

**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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) for the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)<br>|
| **Charges for Early** <br> **Withdrawals**<br>| &nbsp;&nbsp; If you surrender your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) (or if you change your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) to [Paid-up](#bookmark_paidup_f86ce947-4c03-4e42-986a-619275f83834) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834).<br>For example, if you surrender your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and your total [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834) (or if you change your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) to [Paid-up](#bookmark_paidup_f86ce947-4c03-4e42-986a-619275f83834) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834).<br>For example, if you surrender your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and your total [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834) (or if you change your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) to [Paid-up](#bookmark_paidup_f86ce947-4c03-4e42-986a-619275f83834) insurance) <br> in the first ten [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) you will be assessed a surrender charge of up to <br> 50% of the [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834).<br>For example, if you surrender your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and your total [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834), changes to your [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834)<br> option or [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834), changes to your [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834)<br> option or [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834), changes to your [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834)<br> option or [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834). 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_f86ce947-4c03-4e42-986a-619275f83834) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) available under your <br> [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), the range for which is shown in the following table: | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834). 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_f86ce947-4c03-4e42-986a-619275f83834) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) available under your <br> [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), the range for which is shown in the following table: | &nbsp;&nbsp; In addition to the charges above, investment in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834). 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_f86ce947-4c03-4e42-986a-619275f83834) specifications page for specific rates applicable under <br> your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834).<br>You bear the expenses associated with the [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) available under your <br> [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) company<br> fees and expenses)<br>| &nbsp;&nbsp; [To be <br> updated by <br> amendment]<br>| &nbsp;&nbsp; [To be <br> updated by <br> amendment]<br>| &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_f86ce947-4c03-4e42-986a-619275f83834) assets. | \* As a percentage of [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) assets. | \* As a percentage of [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834), including loss of principal. | You can lose money by investing in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), including loss of principal. | You can lose money by investing in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)<br> and the value of your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; The [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)<br> and the value of your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) may subject <br> you to income taxes and tax penalties. | &nbsp;&nbsp; The [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)<br> and the value of your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and life insurance benefit will be reduced if you <br> withdraw money. In addition, short-term investment in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)) available under the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). Each [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) (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_f86ce947-4c03-4e42-986a-619275f83834) is subject to the risks related to [Northwestern Mutual](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834), <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_f86ce947-4c03-4e42-986a-619275f83834)<br> [Mutual](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834). More information about [Northwestern Mutual](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) **Lapse** | &nbsp;&nbsp; Insufficient premium payments, poor investment results, withdrawals, unpaid <br> loans, or loan interest may cause your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) subject to certain conditions described <br> in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834), including the payment of the minimum payment amount, <br> required to keep the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) in force.  | &nbsp;&nbsp; Risks of the Policy <br> –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_f86ce947-4c03-4e42-986a-619275f83834) and the <br> [Policy's](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) fixed option, the [NM Strength and Stability Account](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834) (the "[SAS](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834)<br> [Account](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834)"), are subject to certain restrictions. We do not permit transfers from <br> the [SAS Account](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834) to the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834). <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Transfers from the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) must be in amounts greater than or equal to 1% of <br> assets in the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834), may be subject to charges, and are subject to the <br> [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 's short-term and excessive trading policies. These short-term and <br> excessive trading policies may trigger additional restrictions on your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). <br> Currently, there is no charge when you transfer [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834) among <br> [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) and to the [SAS Account](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834). However, we reserve the right to charge $25 <br> for each transfer. You may invest in up to 30 [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) at a time.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Under certain circumstances [Northwestern Mutual](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834) reserves the right to <br> remove a [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) or substitute another [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) or mutual fund for such <br> [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834).  | &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_f86ce947-4c03-4e42-986a-619275f83834). There is no <br> additional tax benefit if the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is purchased through a tax-qualified plan or <br> individual retirement account (IRA). Withdrawals will generally be subject to <br> ordinary income tax, and may be subject to tax penalties. | Tax Considerations |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; The [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is sold exclusively through financial representatives of [Northwestern](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834)<br> [Mutual's](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834) affiliated broker-dealer, who are compensated with a commission <br> based on a percentage of premium, and [Northwestern Mutual](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834) may share <br> revenue it earns on the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) with its affiliated broker-dealer. These financial <br> representatives may have a financial incentive to offer or recommend the <br> [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) rather than continue to own the existing <br> policy. | None |

---

Overview of the Policy

**<u>What is the</u>** [**<u>Policy</u>**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)**<u>, and what is it designed to do?</u>**

The [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) and/or a fixed account option. The [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834), upon the death of the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834), we will pay the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) to your beneficiary based on one of three death benefit options available under the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). Subject to certain limitations, you can change the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834)option you selected. (See "[Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834)– Changing [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) Options" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834) for more information.)

**<u>How are</u>** [**<u>Premium Payments</u>**](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) **<u>treated under the</u>** [**<u>Policy</u>**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)**<u>?</u>**

As described in more detail in the "Information About the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)" section of the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834), when you apply for the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) you must make a minimum initial [Premium Payment](#bookmark_premiumpayment_f86ce947-4c03-4e42-986a-619275f83834) to put your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) in force. No insurance will take effect until the minimum initial [Premium Payment](#bookmark_premiumpayment_f86ce947-4c03-4e42-986a-619275f83834) is made. The minimum initial [Premium Payment](#bookmark_premiumpayment_f86ce947-4c03-4e42-986a-619275f83834) is based on the [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834), underwriting classification and sex of the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834), the [Initial Specified Amount](#bookmark_initialspecifiedamount_f86ce947-4c03-4e42-986a-619275f83834), any optional benefits and, if applicable, the [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_f86ce947-4c03-4e42-986a-619275f83834). For certain [Death Benefit Guarantee Periods](#bookmark_deathbenefitguaranteeperiod_f86ce947-4c03-4e42-986a-619275f83834), a minimum [Premium Payment](#bookmark_premiumpayment_f86ce947-4c03-4e42-986a-619275f83834) is required to be paid in the first [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834).

After the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is issued, you must make sufficient [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) to keep the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) in force. There is no required schedule or amount of [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) but the investment results of the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) and the [SAS Account](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834) to which your [Net Premium(s)](#bookmark_netpremiums_f86ce947-4c03-4e42-986a-619275f83834)is allocated will affect the [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) you are required to make to keep your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) in force. If you elect the [Death](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834)[Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834), your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) will generally not lapse regardless of the investment performance of the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) is received in [Good Order](#bookmark_goodorder_f86ce947-4c03-4e42-986a-619275f83834) at our [Home Office](#bookmark_homeoffice_f86ce947-4c03-4e42-986a-619275f83834) after the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834), is allocated among the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) and the [SAS Account](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834), according to your current payment allocation instructions. Depending on the state in which we issue the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), we may hold your initial [Net Premium](#bookmark_netpremium_f86ce947-4c03-4e42-986a-619275f83834) in the Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) until the later of the day after your right to return the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)expires and the day we receive notice of delivery of your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834).

**Variable Universal Life Plus Prospectus**

------

Investments in the [Policy's](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)[Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) are held in the [Separate Account](#bookmark_separateaccount_f86ce947-4c03-4e42-986a-619275f83834) which is an account separate from our [General Account](#bookmark_generalaccount_f86ce947-4c03-4e42-986a-619275f83834)assets. We have established a segment within the [Separate Account](#bookmark_separateaccount_f86ce947-4c03-4e42-986a-619275f83834) to receive and invest [Net Premium(s)](#bookmark_netpremiums_f86ce947-4c03-4e42-986a-619275f83834) for the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). Currently, the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) segment is divided into 59 [Separate Account](#bookmark_separateaccount_f86ce947-4c03-4e42-986a-619275f83834)[Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834). Each [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) purchases shares in a corresponding [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834). **Information about each corresponding** [**Portfolio**](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) **is provided at the back of this document. See APPENDIX A:** [**Portfolios**](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) **Available under Your** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)**.**

[Net Premium](#bookmark_netpremiums_f86ce947-4c03-4e42-986a-619275f83834) applied and amounts transferred to the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) accrue interest daily at an effective annual rate [Northwestern](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834)[Mutual](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834) determines without regard to the investment experience of the [General Account](#bookmark_generalaccount_f86ce947-4c03-4e42-986a-619275f83834). The [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)[Stability Account](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834))" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834).)

Payment of insufficient premiums may result in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) terminating or lapsing, subject to the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834)explained below (if applicable).

**Q. What are the primary features and options that the Variable Universal Life Plus** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) **offers?**

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

**Choice of** [**Death Benefit**](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) **Options.** You may choose among three [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) options, a death benefit based on the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) (Option A), on the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) plus [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834) (Option B) or on the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) plus cumulative premiums paid (less any cumulative withdrawals)(Option C). In addition to the three [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834)options, there is also a [Minimum Death Benefit](#bookmark_minimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834) that may be applied. See the ["Death Benefit"](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) section in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834)for more information.

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

**Surrenders and Withdrawals.** You may surrender your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), and we will pay you its [Cash Surrender Value](#bookmark_cashsurrendervalue_f86ce947-4c03-4e42-986a-619275f83834) ([Policy](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834)Value less any [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) and any surrender charge). You may also withdraw a part of the [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834). A withdrawal reduces the [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834), may reduce the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) of the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and therefore the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834), may impact the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834), and may increase the risk that the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) that when added to existing [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) does not exceed the [Loan Value](#bookmark_loanvalue_f86ce947-4c03-4e42-986a-619275f83834) of the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). The [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) secures the loan. Taking a loan will reduce [Cash Surrender Value](#bookmark_cashsurrendervalue_f86ce947-4c03-4e42-986a-619275f83834) and the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834), may impact the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834), may have adverse tax consequences and will increase the risk that your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)may terminate or lapse.

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

**Transfers.** Generally, you may transfer [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834) among up to 30 [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) and the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834), subject to certain restrictions on transfers to the Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) and the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834). We also offer four asset allocation models and two automated transfer programs: dollar cost averaging and [portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) rebalancing.

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

[**Death Benefit Guarantee**](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834)**.** During a defined period elected at issue, your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) will not terminate or lapse, even if the [Cash Surrender Value](#bookmark_cashsurrendervalue_f86ce947-4c03-4e42-986a-619275f83834) is not enough to pay [Monthly Policy Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834), as long as you have made specified minimum [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834). However, even if specified minimum [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) have been made, [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) loans and withdrawals could cause the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) earnings until you surrender or withdraw [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834) from your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). 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_f86ce947-4c03-4e42-986a-619275f83834). An additional charge may apply if you elect an additional benefit. The additional benefits available with this [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) are listed in the "Other Benefits Available under the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)" section of the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) the Selected Monthly Premium Benefit if the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) to purchase additional life insurance policies on the life of the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)– Allows you to select a [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_f86ce947-4c03-4e42-986a-619275f83834) during which the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is guaranteed not to terminate due to insufficient value in your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)

&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_f86ce947-4c03-4e42-986a-619275f83834) until your next [Policy Anniversary](#bookmark_policyanniversary_f86ce947-4c03-4e42-986a-619275f83834)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● [**Income Plans**](#bookmark_incomeplan_f86ce947-4c03-4e42-986a-619275f83834)– In lieu of a lump sum payment, the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)– Allows you to exchange your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) for a life insurance policy with benefits that do not vary with the investment experience of the underlying [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834)

**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_f86ce947-4c03-4e42-986a-619275f83834) **Insurance** – Under certain conditions allows the [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834) to change the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) into the other [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) **Rebalancing** – Automatically rebalances the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) you select (either monthly, quarterly, semi-annually or annually) to maintain your chosen allocations among the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834)

&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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) offers three [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) options based on your "[Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834)," 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_f86ce947-4c03-4e42-986a-619275f83834)," which is the amount required by federal tax law to maintain the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) as a life insurance contract. The three standard [Death Benefits](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) the [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834) must choose on the [Application](#bookmark_application_f86ce947-4c03-4e42-986a-619275f83834) are: <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option A—the greater of the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) or the [Minimum Death Benefit](#bookmark_minimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option B—the greater of the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834)**<u>plus</u>** [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834) or the [Minimum Death Benefit](#bookmark_minimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Option C—the greater of the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834)**<u>plus</u>** cumulative premiums **<u>minus</u>** cumulative withdrawals or the [Minimum Death Benefit](#bookmark_minimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834).

No matter which [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) you choose, insurance coverage becomes effective on the date we issue the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) (generally the date on which we accept your [Application](#bookmark_application_f86ce947-4c03-4e42-986a-619275f83834), determine you meet our underwriting and administrative requirements and receive any required initial premium). The [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) is usually payable within seven days after we receive satisfactory proof of the [Insured's](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) death and is calculated as of the date of the [Insured's](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) death. Amounts payable will include deductions for any [Policy](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834)[Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834), withdrawals made after the [Insured's](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) death or adjustments required if the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) dies during the [Policy Grace Period](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834). We increase the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834), if necessary, in order for the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) to meet [Minimum Death Benefit](#bookmark_minimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834) requirements.

You may decrease the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) while the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) less than the minimum [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) we would require for issuance of a new [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) at the time of the change. You may not increase the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) after initial purchase. We reserve the right to charge for more than one change to the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) in a [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834). We will deduct any such charge from the [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834).

Amounts paid under the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) are payable in a lump sum or under one of the fixed [Income Plan](#bookmark_incomeplan_f86ce947-4c03-4e42-986a-619275f83834) options chosen by the [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834). If an [Income Plan](#bookmark_incomeplan_f86ce947-4c03-4e42-986a-619275f83834) was not previously elected by the [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834) (while the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) was living or within 60 days after the death of the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) if the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) was not the [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834)) and in lieu of a lump sum or other payment agreed to by [Northwestern](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834)[Mutual](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834), the beneficiary (or contingent beneficiary) may elect to receive his or her share by a fixed [Income Plan](#bookmark_incomeplan_f86ce947-4c03-4e42-986a-619275f83834) offered by the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834).

The [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) also offers an optional [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834) under which you select a [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_f86ce947-4c03-4e42-986a-619275f83834) during which the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is guaranteed not to terminate provided certain conditions are met during a specified period. After a [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is issued, you may change the [Policy's](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)[Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) option or change the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) to purchase additional life <br> insurance policies on the life of the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)<br> [Period](#bookmark_deathbenefitguaranteeperiod_f86ce947-4c03-4e42-986a-619275f83834) during which the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is guaranteed not to <br> terminate due to insufficient value in your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834) until <br> your next [Policy Anniversary](#bookmark_policyanniversary_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; Standard (with [Death](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834)<br> [Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834))<br>| &nbsp;&nbsp;&nbsp;&nbsp; ●May expire earlier <br> than your next <br> [Policy Anniversary](#bookmark_policyanniversary_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) or the <br> Direct or <br> Contingent <br> Benificiary<br> ●Payments are <br> subject to fixed <br> rates and not <br> investment <br> performance of the <br> [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834)<br>|
| Exchange for a Fixed Benefit <br> Policy<br>| &nbsp;&nbsp; Allows you to exchange your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) for a life <br> insurance policy with benefits that do not vary with <br> the investment experience of the underlying <br> [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834) to <br> change the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) to a policy free of minimum <br> premium payment obligations<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834)<br> ●Election is <br> irrevocable<br> ●[Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) and <br> charges continue<br> ●When in force as <br> [Paid-up](#bookmark_paidup_f86ce947-4c03-4e42-986a-619275f83834) insurance, <br> no additional <br> premium is allowed <br> on the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), your <br> [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834)<br> option will be <br> irrevocably <br> changed and you <br> may not add <br> optional benefits to <br> the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834) into the other [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) you have <br> selected <br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834)<br> ●The [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) is <br> not included in <br> dollar cost <br> averaging<br>|
| Portfolio Rebalancing | &nbsp;&nbsp; Automatically rebalances the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) you select <br> (either monthly, quarterly, semi-annually or <br> annually) to maintain your chosen allocations <br> among the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834)<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ●Must be selected <br> by [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834)<br> ●The [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834), you must instruct us in the [Application](#bookmark_application_f86ce947-4c03-4e42-986a-619275f83834) or supplement to the [Application](#bookmark_application_f86ce947-4c03-4e42-986a-619275f83834) to allocate your [Net](#bookmark_netpremium_f86ce947-4c03-4e42-986a-619275f83834)[Premium](#bookmark_netpremium_f86ce947-4c03-4e42-986a-619275f83834) to one or more of the investment options including the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834). [Net Premiums](#bookmark_netpremium_f86ce947-4c03-4e42-986a-619275f83834) are [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) less deductions, such as premium expense charges. [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) provided prior to the [In Force Date](#bookmark_inforcedate_f86ce947-4c03-4e42-986a-619275f83834) will be placed in our [General Account](#bookmark_generalaccount_f86ce947-4c03-4e42-986a-619275f83834). On the [In Force Date](#bookmark_inforcedate_f86ce947-4c03-4e42-986a-619275f83834) initial [Net Premium](#bookmark_netpremium_f86ce947-4c03-4e42-986a-619275f83834) is allocated to either the Government Money Market investment [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) (if prior to the [Initial Allocation Date](#bookmark_initialallocationdate_f86ce947-4c03-4e42-986a-619275f83834)) or your selected investment options, including the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834). Your [Initial](#bookmark_initialallocationdate_f86ce947-4c03-4e42-986a-619275f83834)[Allocation Date](#bookmark_initialallocationdate_f86ce947-4c03-4e42-986a-619275f83834) is based on the date we approve your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834), any later [Policy Date](#bookmark_policydate_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) until we receive your request to change them.

A minimum initial [Premium Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) (based on age, underwriting classification, your [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834), any optional benefits and, if applicable, the [Death Benefit Guarantee Period](#bookmark_deathbenefitguranteeperiod_f86ce947-4c03-4e42-986a-619275f83834)) is required to put the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) in force. For certain [Death Benefit Guarantee](#bookmark_deathbenefitguranteeperiod_f86ce947-4c03-4e42-986a-619275f83834)[Periods](#bookmark_deathbenefitguranteeperiod_f86ce947-4c03-4e42-986a-619275f83834), a minimum [Premium Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) is required to be paid in the first [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834). Although you must make sufficient [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) to keep the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) in force, after issue there is no required schedule or amount of [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834)required. However, if you elect a [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834), a minimum [Premium Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)), there are also limits on allocations into the Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) and/or the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) (which vary depending on whether you have a [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834) as noted in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834)) as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Amounts may not be allocated or transferred into the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) and/or the Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● No [Net Premiums](#bookmark_netpremium_f86ce947-4c03-4e42-986a-619275f83834) may be allocated, or amounts transferred, to the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) and/or the Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) if such allocation or transfer would cause the percent of [Net Premiums](#bookmark_netpremium_f86ce947-4c03-4e42-986a-619275f83834) that may be allocated and/or transferred, as applicable, to these options to exceed the limits described in the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● No amounts may be allocated to the [SAS Account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) if the current declared annual effective interest rate for the tier two portion of the [SAS account](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) is not greater than the minimum guaranteed annual effective interest rate

You may not make any [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) after the [Policy Anniversary](#bookmark_policyanniversary_f86ce947-4c03-4e42-986a-619275f83834) nearest the [Insured's](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) 121st birthday and additional [Premium Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) may not be less than $25. A [Premium Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) that would either exceed cumulative premiums illustrated in the [Application](#bookmark_application_f86ce947-4c03-4e42-986a-619275f83834) or increase the [Policy's](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)[Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) more than it increases the [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) is received prior to the [Policy Anniversary](#bookmark_policyanniversary_f86ce947-4c03-4e42-986a-619275f83834) nearest the [Insured's](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) 85th birthday. We also may limit the processing of [Premium](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834)[Payments](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) as necessary for the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)[Grace Period](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834) to avoid lapse (see "How Your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) Can Lapse" below).

The [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) has a [Minimum Death Benefit](#bookmark_minimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834), which is the amount required by federal tax law to maintain the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) as a life insurance contract. A [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) must satisfy a testing method (irrevocably chosen at time of issue) that requires the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) to equal or exceed a defined relationship, or multiple of, the [Policy's](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) value. Such a test may limit the amount of [Premium Payment](#bookmark_premiumpayment_f86ce947-4c03-4e42-986a-619275f83834)that may be paid in each [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834).

How Your Policy Can Lapse

Unless the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834) is in effect, if the value of your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is less than [Monthly Policy Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834) as of a [Monthly](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834)[Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834), your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) will enter a 61 day [Policy Grace Period](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834). At the end of the [Policy Grace Period](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834) your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) in force. We will send you a notice indicating the minimum payment amount required to keep the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) that were due and unpaid before the end of the [Policy Grace Period](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834) and cover [Monthly Policy Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834) for three months. If the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) dies during the [Policy Grace Period](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834) we will deduct any [Monthly Policy Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834) due and unpaid from the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834).

If your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834), you must make a [Premium Payment](#bookmark_premiumpayment_f86ce947-4c03-4e42-986a-619275f83834) equal to an amount that will cover all [Monthly Policy Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834) that were due and unpaid before the end of the [Policy Grace Period](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834) and cover [Monthly Policy](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834)[Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834) for three months. Any [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) that was outstanding when the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) terminated will also be reinstated. On the

**Variable Universal Life Plus Prospectus**

------

effective date of the reinstatement, your [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834) will be equal to the sum of [Net Premium](#bookmark_netpremiums_f86ce947-4c03-4e42-986a-619275f83834) paid upon reinstatement and any [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) on the termination date minus the total of [Monthly Policy Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834) due and unpaid prior to the end of the [Policy](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834)[Grace Period](#bookmark_policygraceperiod_f86ce947-4c03-4e42-986a-619275f83834) and the [Monthly Policy Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834) due on the date of reinstatement. [Net Premium](#bookmark_netpremiums_f86ce947-4c03-4e42-986a-619275f83834) paid upon reinstatement will not include any interest from the date of the lapse. Upon reinstatement, your [Policy Date](#bookmark_policydate_f86ce947-4c03-4e42-986a-619275f83834) will not change and your [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) will remain the same as of the date of lapse and fees and charges that vary by [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) will take into account the period of time your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) was terminated. If a surrender charge was assessed at the time of lapse, the [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834) when a [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is reinstated will include a credit for such surrender charge.

Making Withdrawals: Accessing Money in Your Policy

You may surrender your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) for the [Cash Surrender Value](#bookmark_cashsurrendervalue_f86ce947-4c03-4e42-986a-619275f83834) (the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) value minus debt) at any time while the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) is alive and the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is in force. We determine the [Cash Surrender Value](#bookmark_cashsurrendervalue_f86ce947-4c03-4e42-986a-619275f83834) on the date your request for surrender (received in [Good](#bookmark_goodorder_f86ce947-4c03-4e42-986a-619275f83834)[Order](#bookmark_goodorder_f86ce947-4c03-4e42-986a-619275f83834)) is effective, which is any day the [NYSE](#bookmark_nyse_f86ce947-4c03-4e42-986a-619275f83834) is open (generally if received before 4:00 p.m. Eastern Time) or on the next day the [NYSE](#bookmark_nyse_f86ce947-4c03-4e42-986a-619275f83834) is open if received after. We may require you to return your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) to our [Home Office](#bookmark_homeoffice_f86ce947-4c03-4e42-986a-619275f83834) when you request a surrender of the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). We will pay surrender proceeds in a lump sum or under an [Income Plan](#bookmark_incomeplan_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) is alive and the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is in force, you may also make a withdrawal, subject to [Northwestern Mutual's](#bookmark_northwesternmutual_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834). 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_f86ce947-4c03-4e42-986a-619275f83834), net of any applicable service charge, to less than the [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) (the [Loan Value](#bookmark_loanvalue_f86ce947-4c03-4e42-986a-619275f83834) is an amount equal to 90% of the excess of your [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834) over any applicable surrender charge less [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● for a [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) with [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) Option A, withdraw an amount which would reduce the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) to less than the minimum [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) required for issuance of a [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) at the time of withdrawal (unless this [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is in force under [Paid-up](#bookmark_paidup_f86ce947-4c03-4e42-986a-619275f83834) insurance); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● reduce the [Cash Surrender Value](#bookmark_cashsurrendervalue_f86ce947-4c03-4e42-986a-619275f83834) to less than the sum of three times the most recent [Monthly Policy Charge](#bookmark_monthlypolicychanges_f86ce947-4c03-4e42-986a-619275f83834).

A withdrawal may also decrease the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) used to determine the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) for certain [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) options.

Written requests for withdrawal will be processed and effective on the date we receive the request in [Good Order](#bookmark_goodorder_f86ce947-4c03-4e42-986a-619275f83834) at our [Home](#bookmark_homeoffice_f86ce947-4c03-4e42-986a-619275f83834)[Office](#bookmark_homeoffice_f86ce947-4c03-4e42-986a-619275f83834). Requests received any day the [NYSE](#bookmark_nyse_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)**. Please refer to your** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) **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_f86ce947-4c03-4e42-986a-619275f83834)**, make premium payments, surrender the** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)**, make withdrawals, transfer assets among investment options, or make certain changes to the** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)**.** 

**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_f86ce947-4c03-4e42-986a-619275f83834)<br> [Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; No maximum — Charges <br> may increase to reflect <br> actual costs | 2.00% of [Premium Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) |
| **Federal Deferred** <br> **Acquisition Cost Charge**<sup>1</sup><br>| &nbsp;&nbsp; Upon each [Premium](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834)<br> [Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; No maximum — Charges <br> may increase to reflect <br> actual costs | 0.55% of [Premium Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834) |
| **Sales Load** | &nbsp;&nbsp; Upon each [Premium](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834)<br> [Payment](#bookmark_premiumpayments_f86ce947-4c03-4e42-986a-619275f83834)<br>| Same as current charge | &nbsp;&nbsp; 6.95% of premium up to [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834)<sup>2</sup> and <br> 5.60% of premium in excess of [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834) in <br> [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 1-10; 3.95% of premium up to [Target](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834)<br> [Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834) and 5.60% of premium in excess of [Target](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834)<br> [Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834) in [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)<br>|  |  |
| ***Maximum Charge***<sup>4</sup> |  | Same as current charge | &nbsp;&nbsp; 50% in [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 1-5 of the [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834), <br> grading down monthly in [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 6-10 to 0%<br>|
| ***Minimum Charge***<sup>5</sup> |  | Same as current charge | &nbsp;&nbsp; 13% in [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 1-5 of the [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834), <br> grading down monthly in [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) 1-5 of the [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834), <br> grading down monthly in [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)<br> [Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) option<br>| $25.00 | Currently waived |
| **Change in Specified** <br> **Amount Fee**<sup>6</sup><br>| &nbsp;&nbsp; Upon change in [Specified](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834)<br> [Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; $25.00 per change after <br> first change in a [Policy](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<br> [Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; $25.00 per illustration for <br> each additional <br> illustration in a [Policy](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<br> [Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834) is a hypothetical annual premium which is based on the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834), [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) option, [Death Benefit Guarantee Period](#bookmark_deathbenefitguaranteeperiod_f86ce947-4c03-4e42-986a-619275f83834), any optional benefits, and characteristics of the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834), such as factors including but not limited to [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834), sex, and underwriting classification. Please see "[Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834)" in the Glossary of Terms.

<sup>3</sup>

The initial surrender charge percentage varies by [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) and remains level between [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) one through five, and declines monthly in [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) six through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834) would pay. For more information on the surrender charge, see "Charges and Deductions – [Monthly Policy Charges](#bookmark_monthlypolicycharges_f86ce947-4c03-4e42-986a-619275f83834) and Service Charges" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834). Your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) schedule pages will indicate the maximum charge under your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834).

<sup>4</sup>

The maximum Surrender Charge assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristic: [Issue Ages](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 0-54.

<sup>5</sup>

The minimum Surrender Charge assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristic: [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 75.

<sup>6</sup>

Fees and charges are deducted from [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834) (see "Glossary of Terms").

<sup>7</sup>

An illustration of the [Policy's](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) future benefits and values is provided once a [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) to serve the same purpose.

Periodic Charges (Other than [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) **other than the operating expenses for the** [**Portfolios**](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834)**. Certain charges applicable to your** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) **depend on your** [**Policy Year**](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)**. Please see** [**"Policy Year"**](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) **in the Glossary of Terms to help you understand how they will affect the charges applicable to your** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)**.** 

---

| | | | |
|:---|:---|:---|:---|
|  |  | **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_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834)<br> (varies by [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834))<br>| &nbsp;&nbsp; $0.01 (monthly) per $1,000 of net amount at risk in <br> the first [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) (varies by [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834))<br>|
| **Percent of Contract Fund** <br> **Value Charge**<sup>6</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; All [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834): 0.60% <br> annually (0.05% monthly <br> rate) of [Contract Fund](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834)<br> [Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; All amounts in the [Divisions](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834): 0.00% annually (0.00% <br> monthly rate) of [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834)<br>[SAS Account](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834): 0.23% annually (0.019% monthly rate) <br> of [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834)<br>|
| **Administrative Charge** | &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834)<br> during the first ten [Policy](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<br> [Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<br>|  |  |
| ***Maximum Charge***<sup>9</sup> |  | Same as current charge | &nbsp;&nbsp; 1.375% (monthly) of [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834) during [Policy](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<br> [Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 1-10<br>|
| ***Minimum Charge***<sup>10</sup> |  | Same as current charge | &nbsp;&nbsp; 1.021% (monthly) of [Target Premium](#bookmark_tar_getpremium_f86ce947-4c03-4e42-986a-619275f83834) during [Policy](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<br> [Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) during [Policy](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<br> [Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 1-10<br>|
| **Death Benefit Guarantee** <br> **Charge**<br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834)<br> when the [Death Benefit](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834)<br> [Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834) is in force<br>| &nbsp;&nbsp; $0.02 per $1,000 of <br> [Guaranteed Minimum](#bookmark_guaranteedminimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834)<br> [Death Benefit](#bookmark_guaranteedminimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; $0.01 per $1,000 of [Guaranteed Minimum Death](#bookmark_guaranteedminimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834)<br> [Benefit](#bookmark_guaranteedminimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834)<br>|
| **Policy Debt Expense** <br> **Charge**<sup>11</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834)<br> when there is [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; All [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 2.00% <br> annually (0.17% monthly <br> rate) of [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; 0.71% annually (0.0592% monthly rate) of [Policy](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834)<br> [Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) for [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 1-20<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> 0.21% annually (0.0175% monthly rate) of [Policy](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834)<br> [Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) for [Policy Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) 21 and above<br>|
| **Underwriting and Issue** <br> **Charge**<sup>12</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834)<br> during the first ten [Policy](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<br> [Years](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834)<br> [Amount](#bookmark_initialspecifiedamount_f86ce947-4c03-4e42-986a-619275f83834)<br>|
| ***Minimum Charge***<sup>14</sup> |  | Same as current charge | &nbsp;&nbsp; $0.005 (monthly) per $1,000 of [Initial Specified](#bookmark_initialspecifiedamount_f86ce947-4c03-4e42-986a-619275f83834)<br> [Amount](#bookmark_initialspecifiedamount_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834)<br> [Amount](#bookmark_initialspecifiedamount_f86ce947-4c03-4e42-986a-619275f83834)<br>|
| **Selected Monthly** <br> **Premium Benefit** <br> **Charge**<sup>15</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834)<br>|  |  |
| ***Maximum Charge***<sup>16</sup> |  | &nbsp;&nbsp; The greater of $0.09 <br> (monthly) per $1.00 of <br> [Selected Monthly](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<br> [Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834), or $0.14 <br> (monthly) per $1.00 of <br> [Specified Monthly](#bookmark_specifiedmonthlycharges_f86ce947-4c03-4e42-986a-619275f83834)<br> [Charges](#bookmark_specifiedmonthlycharges_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; The greater of $0.02 (monthly) per $1.00 of [Selected](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<br> [Monthly Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834), or $0.03 (monthly) per $1.00 of <br> [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_f86ce947-4c03-4e42-986a-619275f83834)<br>|
| ***Minimum Charge***<sup>17</sup> |  | &nbsp;&nbsp; $0.003 (monthly) per <br> $1.00 of [Selected](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<br> [Monthly Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; $0.001 (monthly) per $1.00 of [Selected Monthly](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<br> [Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834)<br> [Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<br>| &nbsp;&nbsp; $0.0009 (monthly) per $1.00 of [Selected Monthly](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<br> [Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834)<br>|
| **Additional Purchase** <br> **Benefit Charge**<sup>18</sup><br>| &nbsp;&nbsp; Monthly, on each <br> [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834)<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_f86ce947-4c03-4e42-986a-619275f83834), such as factors including but not limited to: [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834)underwriting classification, [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834), sex, underwriting amount, [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834), [Target Premium](#bookmark_tar-getpremium_f86ce947-4c03-4e42-986a-619275f83834), [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834), and [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) (see "Charges and Deductions—[Monthly Policy Charges](#bookmark_monthlypolicycharge_f86ce947-4c03-4e42-986a-619275f83834) and Service Charges" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834) for more details regarding each charge). Charges may be different if your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)is ["Paid-up"](#bookmark_paidup_f86ce947-4c03-4e42-986a-619275f83834) (see "Other Benefits Available Under the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)— Paid Up Insurance" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834)). Therefore, the charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834) may pay. Your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) schedule pages will indicate the Guaranteed Maximum Charge for each periodic charge under your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). 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_f86ce947-4c03-4e42-986a-619275f83834) for personalized information, including the particular charges applicable to your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). (See "Illustrations" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834)). Unless otherwise noted, the charges in the table represent the monthly rate. Please see ["Policy Anniversary"](#bookmark_policyanniversary_f86ce947-4c03-4e42-986a-619275f83834) and ["Policy Date"](#bookmark_policydate_f86ce947-4c03-4e42-986a-619275f83834) in the Glossary of Terms to help you understand how they will affect the charges applicable to your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834).

<sup>2</sup>

The Cost of Insurance Charge will vary based on factors including but not limited to the [Insured's](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834)[Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834), sex, underwriting classification, underwriting amount, and [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834). The Cost of Insurance Charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834) may pay. The net amount at risk is the difference between the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) and the [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834).

<sup>3</sup>

The Maximum Charge for the Cost of Insurance Charge assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristic: [Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834) 120. Charges applicable to other combinations of [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) and [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) is in the first [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834), and that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: Female, [Issue Ages](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristic: Female, [Issue Ages](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834) and [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)). The net amount at risk is the difference between the [Death Benefit](#bookmark_deathbenefit_f86ce947-4c03-4e42-986a-619275f83834) (or the [Guaranteed Minimum Death Benefit](#bookmark_guaranteedminimumdeathbenefit_f86ce947-4c03-4e42-986a-619275f83834) if the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) is in force under the [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834)) and the [Policy Value](#bookmark_policyvalue_f86ce947-4c03-4e42-986a-619275f83834). Generally, the cost of insurance rate will increase each [Policy Year](#bookmark_policyyear_f86ce947-4c03-4e42-986a-619275f83834).

<sup>6</sup>

For purposes of this charge, the [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834) is as of the day previous to a [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834) plus investment results and interest credited applicable for that [Monthly Processing Date](#bookmark_monthlyprocessingdate_f86ce947-4c03-4e42-986a-619275f83834). This charge may vary based on the proportionate amount of [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834) in the [NM Strength and](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834)Stability Account (see "The Fixed Option" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834)) and/or different rates may apply to amounts in the Divisions versus amounts in the [NM Strength](#bookmark_nmstrengthandstabilityaccount_f86ce947-4c03-4e42-986a-619275f83834)and Stability Account.

<sup>7</sup>

The Maximum Charge for the Administrative Charge assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: [Issue Ages](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.

<sup>11</sup>

This charge is deducted from [Contract Fund Value](#bookmark_contractfundvalue_f86ce947-4c03-4e42-986a-619275f83834) when there is [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) Loans" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834) for more information regarding how the loan interest rate is calculated.

<sup>12</sup>

The current minimum [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) is $100,000 for [Issue Ages](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 18-75 and $50,000 for [Issue Ages](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 0-17.

<sup>13</sup>

The Maximum Charge for the Underwriting and Issue Charge assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: [Issue Age](#bookmark_issueage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834)[Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834), underwriting classification, and "Selected Monthly Premium," and may increase from year to year. [Selected Monthly Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834) is an amount the [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834), for the credit of the greater of (1) the [Selected Monthly Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834) or (2) the amount needed to provide for the credit of the "[Specified Monthly Charges](#bookmark_specifiedmonthlycharges_f86ce947-4c03-4e42-986a-619275f83834)" (current [Monthly Policy Charges](#bookmark_monthlypolicycharge_f86ce947-4c03-4e42-986a-619275f83834) excluding the Monthly [Policy Debt](#bookmark_policydebt_f86ce947-4c03-4e42-986a-619275f83834) Expense Charge and the charge for this benefit). (See "Other Benefits Available Under the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)—Optional Benefits Available for a Charge" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) or the specified monthly charges rate times the [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_f86ce947-4c03-4e42-986a-619275f83834). If this optional benefit is selected, the maximum rates are shown in your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834).

<sup>16</sup>

The Maximum Charge for the Selected Monthly Premium Benefit assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: [Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: [Attained Ages](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834) 0-17, standard underwriting classification. This assumes the amount of the charge determined by the [Selected Monthly Premium](#bookmark_selectedmonthlypremium_f86ce947-4c03-4e42-986a-619275f83834) is greater than the amount of the charge determined by the [Specified Monthly Charges](#bookmark_specifiedmonthlycharges_f86ce947-4c03-4e42-986a-619275f83834).

<sup>18</sup>

The charges for the Additional Purchase Benefit vary based on the [Insured's](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) gender and [Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834) at the time the benefit is added to the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). The charges shown in the table may not be representative of the charges a particular [Owner](#bookmark_owneryouyour_f86ce947-4c03-4e42-986a-619275f83834) may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the [Specified Amount](#bookmark_specifiedamount_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: Male, Benefit added at [Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834) 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the [Insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: Benefit added at [Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristics: Female, Benefit added at [Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) has the following characteristic: Male or Female, Benefit added at [Attained Age](#bookmark_attainedage_f86ce947-4c03-4e42-986a-619275f83834) 0.

Annual [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) Operating Expenses

**The table below shows the range (minimum and maximum) of total operating expenses charged by the** [**Portfolios**](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) **that you may pay periodically during the time you own your** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)**. 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_f86ce947-4c03-4e42-986a-619275f83834) **available under your** [**Policy**](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834)**, including their annual expenses, may be found at the back of this document.** <br>

---

| | | |
|:---|:---|:---|
|  | ***Minimum*** | ***Maximum*** |
| &nbsp;&nbsp;&nbsp;&nbsp; Annual [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) Operating Expenses (expenses deducted from [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834)<br> assets, including management fees, distribution (12b-1) fees, and other <br> expenses as a percentage of average [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) assets)<br>| &nbsp;&nbsp; [To be updated by amendment] | &nbsp;&nbsp; [To be updated by amendment] |
| **Annual** [**Portfolio**](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) **Operating Expenses After Contractual Fee Waiver or** <br> **Reimbursement\***<br>| &nbsp;&nbsp; [To be updated by amendment] | &nbsp;&nbsp; [To be updated by amendment] |

---

\*

The "Annual [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) 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**

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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**

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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**

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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**

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Appendix A—Portfolios Available under Your Policy

The following is a list of [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) available under your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834). More information about the [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) is available in the [prospectuses](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834) for the [Portfolios](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834), but do not reflect the other fees and expenses that your [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) may charge. Expenses would be higher and performance would be lower if these other charges were included. Each [Portfolio's](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) past performance is not necessarily an indication of future performance. Please note that depending on whether your [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834) is in effect, allocations or transfers into the Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) are subject to certain restrictions (see "The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834)" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834)). [To be updated by amendment]

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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;&nbsp; Mason Street Advisors, LLC <br> &nbsp;&nbsp;&nbsp;&nbsp;(MSA)/T. Rowe Price <br> Associates, Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Focused Appreciation** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/Loomis, Sayles & <br> Company, L.P.<br>|  |  |  |  |
| 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;&nbsp; MSA/Wellington <br> Management Company LLP<br>|  |  |  |  |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp;&nbsp; **Large Cap Blend** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/J.P. Morgan Investment <br> Management, Inc.<br>|  |  |  |  |
| 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 |  |  |  |  |
| 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;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital and income<br>&nbsp;&nbsp;&nbsp; **Domestic Equity** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/Putnam Investment <br> Management, LLC<br>|  |  |  |  |
| Long-term growth of <br> capital and income<br>**Equity Income Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Associates, Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Mid Cap Growth Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/J.P. Morgan Investment <br> Management, Inc.<br>|  |  |  |  |
| 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;&nbsp; MSA/Northern Trust <br> Investments, Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital; current income is <br> a secondary objective<br>**Mid Cap Value Portfolio**<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Small Cap Growth Stock** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/Wellington <br> Management Company LLP<br>|  |  |  |  |
| 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;&nbsp; MSA/Northern Trust <br> Investments, Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **Small Cap Value** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/T. Rowe Price <br> Investment Management, <br> Inc.<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **International Growth** <br> **Portfolio**<sup>2</sup><br>| MSA/FIAM LLC |  |  |  |  |

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**Variable Universal Life Plus Prospectus**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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;&nbsp; MSA/Massachusetts <br> Financial Services Company <br>|  |  |  |  |
| Long-term growth of <br> capital and income <br>&nbsp;&nbsp;&nbsp; **International Equity** <br> **Portfolio**<sup>2</sup><br>| MSA/Dodge & Cox |  |  |  |  |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Emerging Markets Equity** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/abrdn Investments <br> Limited<br>|  |  |  |  |
| 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 |  |  |  |  |
| 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;&nbsp; MSA/T. Rowe Price <br> Associates, Inc.<br>|  |  |  |  |
| 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;&nbsp; MSA/Allspring Global <br> Investments, LLC<br>|  |  |  |  |
| 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;&nbsp; MSA/Pacific Investment <br> Management Company LLC<br>|  |  |  |  |
| 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;&nbsp; MSA/American Century <br> Investment Management, <br> Inc.<br>|  |  |  |  |
| High current income and <br> capital appreciation<br>&nbsp;&nbsp;&nbsp; **High Yield Bond** <br> **Portfolio**<sup>2</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; MSA/Federated Investment <br> Management Company<br>|  |  |  |  |
| 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;&nbsp; MSA/Pacific Investment <br> Management Company LLC<br>|  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |

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**Variable Universal Life Plus Prospectus**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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 |  |  |  |  |
| Growth of capital<br> &nbsp;&nbsp;&nbsp; **American Funds**<sup>®</sup> **IS** <br> **Growth Fund - Class 1A**<sup>5</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; Capital Research and <br> Management Company <br> &nbsp;&nbsp;&nbsp;&nbsp;(CRMC)<br>|  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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 |  |  |  |  |
| 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;&nbsp; BlackRock Advisors, LLC/<br> BlackRock International <br> Limited & BlackRock <br> &nbsp;&nbsp;&nbsp;&nbsp;(Singapore) Limited <br>|  |  |  |  |
| Total return<br> &nbsp;&nbsp;&nbsp; **Cantor Fitzgerald** <br> **Commodity Return** <br> **Strategy Portfolio – Class** <br> **2**<sup>7</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; O'Connor Alternative <br> Investments, LLC <sup>8</sup> <br>|  |  |  |  |
| 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;&nbsp; Columbia Management <br> Investment Advisers, LLC<br>|  |  |  |  |
| 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>|  |  |  |  |
| 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;&nbsp; Fidelity Management & <br> Research Company LLC <br> &nbsp;&nbsp;&nbsp;&nbsp;(FMR)<sup>11</sup> <br>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |
| Capital appreciation<br> &nbsp;&nbsp;&nbsp; **Fidelity**<sup>®</sup> **VIP Technology** <br> **Portfolio - Initial Class**<sup>10</sup><br>| FMR<sup>11</sup> <br>|  |  |  |  |

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**Variable Universal Life Plus Prospectus**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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>|  |  |  |  |
| 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;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Boston Partners <br> Global Investors, Inc.<br>|  |  |  |  |
| 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;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Wellington <br> Management Company LLP<br>|  |  |  |  |
| 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;&nbsp; John Hancock Variable Trust <br> Advisers LLC/Manulife <br> Investment Management <br> &nbsp;&nbsp;&nbsp;&nbsp;(US) LLC<br>|  |  |  |  |
| 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;&nbsp; Neuberger Berman <br> Investment Advisers LLC<br>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **U.S. Strategic Equity** <br> **Fund**<sup>14</sup><br>| &nbsp;&nbsp;&nbsp;&nbsp; Russell Investment <br> Management LLC (RIM)<sup>15</sup> <br>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |
| Long-term growth of <br> capital<br>&nbsp;&nbsp;&nbsp; **International Developed** <br> **Markets Fund**<sup>14</sup><br>| RIM<sup>15</sup> <br>|  |  |  |  |
| Provide total return<br> **Strategic Bond Fund**<sup>14</sup> | RIM<sup>15</sup> <br>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |
| 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>|  |  |  |  |

---

<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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834). An investment in a money market [portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) is neither [insured](#bookmark_insured_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) may also become extremely low and possibly negative. Please note that allocations into the Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) are subject to certain restrictions if your [Death Benefit Guarantee](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834) is in effect (see "The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market [Division](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834)" in the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834)).

**Variable Universal Life Plus Prospectus**

------

<sup>4</sup>

**Please note that allocations or transfers into the Government Money Market** [**Division**](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) **are subject to certain restrictions if your** [**Death Benefit Guarantee**](#bookmark_deathbenefitguarantee_f86ce947-4c03-4e42-986a-619275f83834) **is in effect. These restrictions include limits on the timing and amounts allocated or transferred to this** [**Division**](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) **to ensure total amounts in, or percentages allocated or transferred to, this** [**Division**](#bookmark_division_f86ce947-4c03-4e42-986a-619275f83834) **and/or the** [**SAS Account**](#bookmark_sasaccount_f86ce947-4c03-4e42-986a-619275f83834) **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_f86ce947-4c03-4e42-986a-619275f83834)**).**

<sup>5</sup>

A series of American [Funds](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) Insurance Series<sup>®</sup>.

<sup>6</sup>

The BlackRock International Index V.I. [Fund](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) and BlackRock Total Return V.I. [Fund](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) are series of BlackRock Variable Series [Funds](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834), Inc. and BlackRock Variable Series [Funds](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) II, Inc., respectively.

<sup>7</sup>

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

<sup>8</sup>

Effective February 1, 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_f86ce947-4c03-4e42-986a-619275f83834) Variable Insurance Trust.

<sup>10</sup>

The Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) is a series of Variable Insurance Products [Fund](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) II. The Fidelity<sup>®</sup> VIP Mid Cap [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) and Fidelity<sup>®</sup> VIP Value Strategies [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) are each a series of Variable Insurance Products [Fund](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) III. The Fidelity<sup>®</sup> VIP Health Care [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) and Fidelity<sup>®</sup> VIP Technology [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) are each a series of Variable Insurance Products [Fund](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) IV. The Fidelity<sup>®</sup> VIP Bond Index [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) is a series of Variable Insurance Products [Fund](#bookmark_fund_f86ce947-4c03-4e42-986a-619275f83834) V.

<sup>11</sup>

The following affiliates of Fidelity Management & Research Company also assist with foreign investments for each [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834): 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_f86ce947-4c03-4e42-986a-619275f83834).

<sup>15</sup>

Assets of each [Portfolio](#bookmark_portfolio_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834).

**Variable Universal Life Plus Prospectus**

------

Additional Information

More information about the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and [Separate Account](#bookmark_separateaccount_f86ce947-4c03-4e42-986a-619275f83834) is included in a Statement of Additional Information ("SAI"), which is dated the same day as this [Summary Prospectus](#bookmark_summaryprospectus_f86ce947-4c03-4e42-986a-619275f83834) and the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834), 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_f86ce947-4c03-4e42-986a-619275f83834) SAI, or current annual report, or to request other information about the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) or to make investor inquiries, call (866) 464-3800. Under certain circumstances you or your [Financial Representative](#bookmark_financialrepresentative_f86ce947-4c03-4e42-986a-619275f83834) may be able to obtain these documents online at www.nmprospectus.com. Reports and other information about the [Separate Account](#bookmark_separateaccount_f86ce947-4c03-4e42-986a-619275f83834) 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_f86ce947-4c03-4e42-986a-619275f83834) incorporates by reference the [Prospectus](#bookmark_prospectus_f86ce947-4c03-4e42-986a-619275f83834) for the [Policy](#bookmark_policy_f86ce947-4c03-4e42-986a-619275f83834) and the SAI, both dated July 1, 2025, as amended or supplemented. <br>

Edgar Contract Identifier C000212050

**Variable Universal Life Plus Prospectus**

------