Northwestern Mutual LOG IN LIFE & MONEY FIND A FINANCIAL ADVISOR CLAIMS INSURANCE Plan for tomorrow, live for today. The foundation of our financial planning philosophy is to make sure your financial security isn't left to chance. We believe insurance is the best way to protect the life you've worked hard to build for you and your family. Our advisors will help you figure out the right types of insurance, and exactly how much you need. And with the highest financial strength ratings in the industry1 and over 163 years in this business, we'll be here when you need us. GET STARTED How Much Do You Know About Life Insurance? Take our quiz Life insurance Know that your family will be financially secure, no matter what happens. And whole life insurance can do more than pay the bills, it can help pay for tuition or help you live well in retirement, too.2 MORE ABOUT LIFE INSURANCE FIND OUT MORE CALCULATE HOW MUCH YOU NEED CALCULATE IT Long-term care planning Getting older can mean incurring medical costs not usually covered by health insurance. And while talking about long-term care can be tough, we can help get the conversation started. MORE ABOUT LONG-TERM CARE FIND OUT MORE Disability income insurance Your earning potential is your biggest asset. With disability income insurance, you can help protect your family's lifestyle. MORE ABOUT DISABILITY INSURANCE FIND OUT MORE CALCULATE HOW MUCH YOU NEED CALCULATE IT Annuities Like a "paycheck" for life, an annuity is a great way to help ensure that you have enough money to help enjoy your retirement. MORE ABOUT ANNUITIES FIND OUT MORE Life Insurance Calculator How much life insurance is right for you? CALCULATE IT The Northwestern Mutual difference A++ financial strength rating AAA, Aaa, and AA+ the highest financial strength ratings of any life insurer from all four major rating agencies1 No. 1 overall-ranked insurance company Best Life Insurance Company ranked by NerdWallet, 20203 $6.5B six point five billion dollars in dividends expected to be paid in 20224 Take the next step. Our advisors are here to recommend the right types of insurance to help you protect what's most important. And help get you to your next goal. And the next. It's easy to get started—no commitment, just a conversation. LET'S TALK RELATED LINKS How We Determine Dividends APR Calculator for Modal Premiums Find What You're Looking for at Northwestern Mutual 1 Northwestern Mutual continues to have the highest financial strength ratings awarded to any U.S. life insurer by all four of the major rating agencies: A.M. Best Company, A++ (highest), May 2021; Fitch Ratings, AAA (highest), July 2021; Moody's Investors Service, Aaa (highest), July 2021; S&P Global Ratings, AA+ (second highest), June 2020. Third-party ratings are subject to change. Ratings are for The Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company. 2 Your policy's cash value typically becomes a useful source of funds only after several years of premium payments, which allows the cash value to build up. Each method of utilizing your policy's cash value has advantages and disadvantages and is subject to different tax consequences. Surrenders of, withdrawals from and loans against a policy will reduce the policy's cash surrender value and death benefit and may also affect any dividends paid on the policy. As a general rule, surrenders and withdrawals are taxable to the extent they exceed the cost basis of the policy, while loans are not taxable when taken. Loans taken against a life insurance policy can have adverse effects if not managed properly. Policy loans and automatic premium loans, including any accrued interest, must be repaid in cash or from policy values upon policy termination or the death of the insured. Repayment of loans from policy values (other than death proceeds) can potentially trigger a significant tax liability, and there may be little or no cash value remaining in the policy to pay the tax. If loans equal or exceed the cash value, the policy will terminate if additional cash payments are not made. Policyowners should consult with their tax advisors about the potential impact of any surrenders, withdrawals or loans. 3 ©2017–2020 and TM, NerdWallet, Inc. All Rights Reserved. 4 Dividends are reviewed annually and are not guaranteed. Some policies may not receive dividends in a particular year or years even while other policies receive dividends. For universal life products, in lieu of dividends, experience is reflected through changes to nonguaranteed charges and credits. 90–2683–86 (0421) To be used with form ICC16.TT.DI.IIB.(0916), ICC16.TT.DI.FIB.(0916), ICC16.TT.DI.CAT.(0916), ICC16.TT.NCDI.(0916), ICC16.TT.GRDI.(0916), ICC16.TT.DI.PDB.(0916), ICC16.TT.DI.PDBO.(0916) or state equivalent. Not all contracts and optional benefits are available in all states. Disability insurance policies contain some features and benefits that may not be available in all states. The ability to perform the substantial and material duties of your occupation is only one of the factors that determine eligibility for disability benefits. These policies also contain exclusions, limitations and reduction-of-benefits provisions. Eligibility for disability income insurance, additional policy benefits, and qualification for benefits, is determined on a case-by-case basis. For costs and complete details of coverage, contact your Northwestern Mutual Financial Representative. Northwestern Mutual General Disclaimer Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Life and disability insurance, annuities, and life insurance with long-term care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Long-term care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, broker-dealer, registered investment adviser, and member FINRA and SIPC. Investment advisory and trust services are offered through Northwestern Mutual Wealth Management Company (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors and professionals. Not all products and services are available in all states. Not all Northwestern Mutual representatives are advisors. Only those representatives with "Advisor" in their title or who otherwise disclose their status as an advisor of NMWMC are credentialed as NMWMC representatives to provide investment advisory services. 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