How Does Northwestern Mutual Life Insurance Work? 
Northwestern Mutual is a company which the owners are not shareholders by rather insured . Mutual companies do not really work any differently than other insurance companies . The difference may be in the product offering although the basic term & permanent life policies along with dividend paying products . The process of applying for and underwriting for life insurance will be similar with all other life companies . Not all agents are appointed with Northwestern Mutual however so you may have to call the company to be referred to an agent . 