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Power. &#34;<a href="https://www.jdpower.com/business/press-releases/2022-us-individual-life-insurance-individual-annuity-studies" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Both Life Insurance and Annuity Customer Satisfaction Decline as Pandemic Fears Wane, J.D. Power Finds</a>.&#34;", "Northwestern Mutual. &#34;<a href="https://www.northwesternmutual.com/life-insurance/term-life-insurance/" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow sponsored">Term Life Insurance</a>,&#34; Click &#34;Will My Premiums Stay the Same or Increase Each Year?&#34;" ] ,"positiveNotes": { "@type": "ItemList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Excellent customer satisfaction" }, { "@type": "ListItem", "position": 2, "name": "Top-tier financial stability" }, { "@type": "ListItem", "position": 3, "name": "Policies eligible for dividends" }, { "@type": "ListItem", "position": 4, "name": "No-medical-exam coverage available" } ] },"negativeNotes": { "@type": "ItemList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Can’t buy without an agent" }, { "@type": "ListItem", "position": 2, "name": "Online capabilities are lacking" } ] } ,"itemReviewed": { "@type": 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If you click on links we provide, we may receive compensation. </p> <ul id="breadcrumbs_1-0" class="comp breadcrumbs mntl-breadcrumbs mntl-block" data-tracking-container="true"><li id="mntl-breadcrumbs__item_1-0" class="comp mntl-breadcrumbs__item mntl-block"><a href="https://www.investopedia.com/life-insurance-4427715" rel="nocaes" id="mntl-text-link_1-0" class="mntl-text-link mntl-breadcrumbs__link" data-tracking-container="true" ><span class="link__wrapper">Life Insurance</span></a></li> <li id="mntl-breadcrumbs__item_2-0" class="comp mntl-breadcrumbs__item mntl-block"><a href="https://www.investopedia.com/life-insurance-companies-f-o-6743502" rel="nocaes" id="mntl-text-link_2-0" class="mntl-text-link mntl-breadcrumbs__link" data-tracking-container="true" ><span class="link__wrapper">Companies F-O</span></a></li></ul> <header id="article-header_1-0" class="comp article-header mntl-block right-rail__offset"><h1 id="article-heading_1-0" class="comp article-heading mntl-text-block">Northwestern Mutual Life Insurance Review</h1> <p id="article-subheading_1-0" class="comp article-subheading mntl-text-block">The largest U.S. life insurance company delivers dividends and happy customers</p> <div id="sponsorship-wrapper_1-0" class="comp sponsorship-wrapper mntl-block"></div> <div id="article-meta_1-0" class="comp article-meta mntl-block" data-tracking-container="true"><div id="finance-bylines_1-0" class="comp finance-bylines mntl-bylines"><div id="mntl-bylines__group_1-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--author"><div id="mntl-bylines__item_1-0" class="comp mntl-bylines__item mntl-attribution__item mntl-attribution__item--has-date"> <span class="mntl-attribution__item-descriptor">By</span> <div data-tooltip="Meredith Mangan is a senior insurance editor for Investopedia; she was a licensed insurance agent for six years and has been writing and editing insurance content for almost a decade." tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/meredith-mangan-5224718" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Meredith Mangan</a> <div id="mntl-author-tooltip_1-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:100.0%;"> <img data-srcset="https://www.investopedia.com/thmb/IgdjRGs9goZUX4w_58aWmdWdaTY=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/Meredith-Mangan_BW-WebReady-9fb6484333754091b37907d98dc9913d.jpg 90w" data-sizes="90px" data-src="https://www.investopedia.com/thmb/KBRMkXcAY5IOjOwQhW7VSX_aLuw=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/Meredith-Mangan_BW-WebReady-9fb6484333754091b37907d98dc9913d.jpg" alt="Meredith Mangan" class="lazyload mntl-author-tooltip__image" width="90" height="200" /> <noscript> <img 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class="mntl-attribution__item-date">Updated November 21, 2024</div></div> <div id="mntl-bylines__group_2-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--finance_reviewer"><div id="mntl-bylines__item_2-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#reviewer-icon" href="#reviewer-icon"></use> </svg> <span class="mntl-attribution__item-descriptor">Reviewed by</span> <a href="https://www.investopedia.com/eric-estevez-4799782" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="0" >Eric Estevez</a> </div></div> <div id="mntl-bylines__group_3-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--fact_checker"><div id="mntl-bylines__item_3-0" class="comp mntl-bylines__item mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use 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data-src="https://www.investopedia.com/thmb/XouTCXNnLBoOVQmuKzxyJB0J4Ms=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/MichaelRosenston-dc9ea36078684eb9a17e5bbbed31dbad.jpg" alt="Michael Rosenston" class="lazyload mntl-author-tooltip__image" width="90" height="200" /> <noscript> <img src="https://www.investopedia.com/thmb/XouTCXNnLBoOVQmuKzxyJB0J4Ms=/90x200/filters:no_upscale():max_bytes(150000):strip_icc()/MichaelRosenston-dc9ea36078684eb9a17e5bbbed31dbad.jpg" srcset="https://www.investopedia.com/thmb/2rR0J_hi_uo-zE0fiL8TKuSNttY=/90x0/filters:no_upscale():max_bytes(150000):strip_icc()/MichaelRosenston-dc9ea36078684eb9a17e5bbbed31dbad.jpg 90w" alt="Michael Rosenston" width="90" height="200" class="img--noscript mntl-author-tooltip__image" /> </noscript> </div> </div> <div id="mntl-author-tooltip__name_1-0" class="comp mntl-author-tooltip__name mntl-attribution__item "><svg class="icon reviewer-icon mntl-attribution__item-icon" > <use 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social-nav__link--linkedin" aria-label="Visit Meredith Mangan's LinkedIn" > <svg class="icon icon-linkedin social-nav__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-linkedin" href="#icon-linkedin"></use> </svg> </a> </li> </ul> </div> <div class="mntl-author-tooltip__bio"> Michael Rosenston is a fact-checker and researcher with expertise in business, finance, and insurance. </div> </div> <div class="mntl-author-tooltip__bottom"> <span class="mntl-author-tooltip__learn-more-text">Learn about our </span> <a href="/legal-4768893#editorial-policy" rel="nocaes" class="mntl-author-tooltip__learn-more-link" >editorial policies</a> </div> </div></div> </div></div> </div></div></header></div> </div><div class="loc content"><div id="mntl-external-basic-sublayout-content_1-0" class="comp mntl-external-basic-sublayout-content sc-ad-container article-content"><div class="loc content-body"> <span id="external-content_1-0" class="comp external-content mntl-external-component"><div id="product-review-content--finance_1-0" class="comp product-review-content product-review-content--finance product-review--base"> <div id="article-intro_1-0" class="comp js-toc-appear article-container product-card-record--finance article-intro mntl-block"> <div id="product-card_1-0" class="comp product-card" style="--imgWidth: 0px" data-tracking-id="product-card" data-tracking-container="true"> <div class="product-card__content"> <div class="product-card__intro expert-content"> <figure id="product-card__image_1-0" class="comp figure-article figure-2x1 product-card__image litho-figure-article mntl-universal-primary-image primary-image"> <div class="primary-image__media"> <div class="img-placeholder" style="padding-bottom:50.0%;"> <img src="https://www.investopedia.com/thmb/rcf7xkh7sTy5aj3XArpwkHGmuGQ=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Northwestern_Mutual_logo-f061b92905f449138c434da069418251.jpg" width="1500" height="750" alt="Northwestern Mutual" class=" primary-image__image mntl-primary-image--blurry" onload="(function(e){e.classList.add('loaded')})(this)" style="--blurry: url('data:image/gif;charset=utf-8;base64,R0lGODlhEgAEAPQAABozYCc8dh5IeCRGfSVIdiVKfS5LeyVQehpPhCVKgCZVgzFUh05kj7fBzeX27u76/P7//////xozYBozYBozYBozYBozYBozYBozYBozYBozYBozYBozYBozYBozYBozYCwAAAAAEgAEAEQIMAALEChQIIJBgwIOKozQIAKDgwYWSlQQAUACgwceREgYYIFCCBEcDDBYsCQCiRECAgA7')" /> <noscript> <img src="https://www.investopedia.com/thmb/rcf7xkh7sTy5aj3XArpwkHGmuGQ=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Northwestern_Mutual_logo-f061b92905f449138c434da069418251.jpg" width="1500" height="750" class="loaded primary-img--noscript primary-image__image mntl-primary-image--blurry" alt="Northwestern Mutual" /> </noscript> </div> </div> <figcaption id="primary-image__figcap_1-0" class="comp primary-image__figcap mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p> Northwestern Mutual</p> </span> </figcaption> </figure> <div id="product-card__cta_1-0" class="comp js-sticky-riser-show product-card__cta commerce-block mntl-block"> <a href="http://dotdash.covrtech.com/?utm_carrier=NorthwesternMutual&utm_journey=bridge" target="_blank" rel="noopener nofollow sponsored nocaes" id="commerce-button_1-0" class=" commerce-button mntl-text-link mntl-commerce-btn" data-tracking-container="false" data-retailer-caption="On Covr" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" ><span class="link__wrapper">Get A Quote</span></a> </div> <div class="tabbed-sc-block-intro"> <p id="mntl-sc-block_1-0" class="comp mntl-sc-block mntl-sc-block-html"> <strong>Our Take</strong> </p> <p id="mntl-sc-block_1-0-1" class="comp mntl-sc-block mntl-sc-block-html"> Northwestern Mutual is the country’s largest life insurance company, capturing 9.5% of the entire U.S. market for life insurance in 2022, the most recent data available, according to the Insurance Information Institute.<span class="ql-inline-citation" data-cite="13"></span> The company has very satisfied customers, receives extremely few complaints, and has superior financial stability, garnering an A++ rating from AM Best.<span class="ql-inline-citation" data-cite="14"></span> </p> <p id="mntl-sc-block_1-0-2" class="comp mntl-sc-block mntl-sc-block-html"> It’s also one of the oldest life insurance companies around and has been impressively paying dividends to its policyholders for more than 150 years.<span class="ql-inline-citation" data-cite="15"></span> However, the company falls short regarding online offerings, such as online quotes and an online application process. </p> <div id="mntl-sc-block_1-0-3" class="comp mntl-sc-block prm-sc-block-comparisonlist mntl-sc-block-comparisonlist"> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Pros</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Excellent customer satisfaction</p></li> <li><p>Top-tier financial stability</p></li> <li><p>Policies eligible for dividends</p></li> <li><p>No-medical-exam coverage available</p></li> </ul> </div> <div class="prm-sc-block-comparisonlist__wrapper mntl-sc-block-comparisonlist__wrapper"> <span class="prm-sc-block-comparisonlist__heading mntl-sc-block-comparisonlist__heading">Cons</span> <ul class="prm-sc-block-comparisonlist__list mntl-sc-block-comparisonlist__list"> <li><p>Can’t buy without an agent</p></li> <li><p>Online capabilities are lacking</p></li> </ul> </div> </div> <div id="product-review__top-rated-list_3-0-3" class="comp product-review__top-rated-list top-rated-list--roundups top-rated-list--base"> <h2 class="top-rated-list__title">Top Rated For</h2> <ul class="top-rated-list__container"> <div id="top-rated-list__items_3-0-3" class="comp top-rated-list__items mntl-block"> <li id="list-item_3-0-3" class="comp top-rated-list__item badge-ribbon list-item mntl-block"> <a href="https://www.investopedia.com/best-life-insurance-for-parents-5088231#toc-northwestern-mutual" target="_blank" rel="noopener nocaes" data-click-action="Top Rated Tool Click" id="top-rated-list__item-link_3-0-3" class=" top-rated-list__item-link mntl-text-link" data-tracking-container="true" ><span id="top-rated-list__item-link-text_3-0-3" class="comp top-rated-list__item-link-text mntl-text-block"> Best for Financial Stability</span> <span id="top-rated-list__item-link-subtext_3-0-3" class="comp top-rated-list__item-link-subtext mntl-text-block"> Best Life Insurance for Parents for November 2024</span></a> </li> </div> </ul> </div> </div> </div> <div class="tabbed-sc-block " data-tracking-id="Full Product Review" data-tracking-container="true" data-click-action="Product Tab Click"> <ul class="tabbed-sc-block__tabs "> <li class="tabbed-sc-block__tab js-tabbed-tab is-active is-initial-load" data-tab-index="1"><span class="tabbed-sc-block__title">Company Overview</span></li> <li class="tabbed-sc-block__tab js-tabbed-tab " data-tab-index="2"><span class="tabbed-sc-block__title">specifications</span></li> </ul> <div class="tabbed-sc-block__heading js-tabbed-tab is-active is-initial-load js-single-tab-control" data-tab-index="1"> <span class="tabbed-sc-block__text">Company Overview</span> </div> <div class="tabbed-sc-block__content js-tabbed-content expert-content is-active is-initial-load" data-tab-index="1"> <p id="mntl-sc-block_1-0-5" class="comp mntl-sc-block mntl-sc-block-html"> Northwestern Mutual is headquartered in the city of Milwaukee and offers a variety of products nationwide, including life insurance, long-term care insurance, and disability insurance. </p> <p id="mntl-sc-block_1-0-6" class="comp mntl-sc-block mntl-sc-block-html"> The company was founded in 1857.<span class="ql-inline-citation" data-cite="16"></span> It paid its first life insurance claims two years later when two people died after an ox collided with a passenger train. The claims due were more than the company had available, so the president and trustees borrowed money to make up the difference. The policyholders' families were made whole, and the rest, as they say, is history.<span class="ql-inline-citation" data-cite="17"></span> The company is owned by its policyholders, who participate in profits via dividends. Dividends have been paid every year for over 150 years.<span class="ql-inline-citation" data-cite="15"></span> </p> <div id="mntl-sc-block_1-0-7" class="comp mntl-sc-block--product-spec-tool mntl-sc-block prm-sc-block-tool mntl-sc-block-tool mntl-block"> <div id="product-spec-tool_1-0" class="comp product-spec-tool definition-list"> <ul class='definition-list__container' > <li class="definition-list__item"> <span class='definition-list__item-content-container'> <span class='definition-list__item-title'>Year Founded</span> <span class='definition-list__item-content definition-list__item-content-0'> 1857 </span> </span> </li> <li class="definition-list__item"> <span class='definition-list__item-content-container'> <span class='definition-list__item-title'>Kinds of Policies</span> <span class='definition-list__item-content definition-list__item-content-1'> Term, whole, universal, variable universal </span> </span> </li> <li class="definition-list__item"> <span class='definition-list__item-content-container'> <span class='definition-list__item-title'>Payment Options</span> <span class='definition-list__item-content definition-list__item-content-2'> ACH transfer, check </span> </span> </li> <li class="definition-list__item"> <span class='definition-list__item-content-container'> <span class='definition-list__item-title'>Customer Service</span> <span class='definition-list__item-content definition-list__item-content-3'> (866) 950-4644, Northwestern Mutual app - Apple / Google </span> </span> </li> <li class="definition-list__item"> <span class='definition-list__item-content-container'> <span class='definition-list__item-title'>Official Website</span> <span class='definition-list__item-content definition-list__item-content-4'> www.northwesternmutual.com </span> </span> </li> </ul> </div> </div> </div> <div class="tabbed-sc-block__heading js-tabbed-tab js-single-tab-control" data-tab-index="2"> <span class="tabbed-sc-block__text">specifications</span> </div> <div class="tabbed-sc-block__content js-tabbed-content customTab expert-content " data-tab-index="2"> <div class="loc tab-specifications"> <div id="key-facts-block--finance_3-0-7" class="comp key-facts-block--finance product-record-details"> <div class="product-record__key-fact-row-container"> <div class="product-record__key-fact-label">AM Best Rating</div> <div class="product-record__key-fact-text">A++</div> </div> <div class="product-record__key-fact-row-container"> <div class="product-record__key-fact-label">NAIC Score (avg.)</div> <div class="product-record__key-fact-text">N/A</div> </div> <div class="product-record__key-fact-row-container"> <div class="product-record__key-fact-label">Years In Business</div> <div class="product-record__key-fact-text">165 Years</div> </div> <div class="product-record__key-fact-row-container"> <div class="product-record__key-fact-label">Policy Types</div> <div class="product-record__key-fact-text">Term, Universal (UL), Variable Universal (VUL), Whole</div> </div> <div class="product-record__key-fact-row-container"> <div class="product-record__key-fact-label">Accepts Credit Cards</div> <div class="product-record__key-fact-text">No</div> </div> </div> </div> </div> </div> </div> </div> <div id="product-review-expertise-block_3-0" class="comp product-review-expertise-block expertise-block--finance expertise-block"> <div class="expertise-block__header"> <span class="expertise-block__heading"> Why Trust Us </span> <div class="expertise-block__chevron"></div> </div> <div class="expertise-block__data-points"> <div class="expertise-block__data-point"> <span class="expertise-block__data-point-heading icon-companies-reviewed"> 45 </span> <div class="expertise-block__data-point-content"> Companies reviewed </div> </div> <div class="expertise-block__data-point"> <span class="expertise-block__data-point-heading icon-eat-features-considered"> 70 </span> <div class="expertise-block__data-point-content"> Features considered </div> </div> <div class="expertise-block__data-point"> <span class="expertise-block__data-point-heading icon-eat-analyzed"> 3,150 </span> <div class="expertise-block__data-point-content"> Data points analyzed </div> </div> </div> <span class="expertise-block__content"> We identified 45 life insurance companies with strong financial stability and high customer satisfaction ratings and evaluated them based on 70 metrics, collecting over 3,000 data points. This research allowed us to rate and rank the best life insurance companies and provide you with unbiased, comprehensive reviews. <div class="expertise-block__section-link"> <a href="https://www.investopedia.com/life-insurance-review-methodology-5071427">Read our Full Methodology</a> </div> </span> </div> </div> <div class="loc body-content article-container"> <div id="article-content_1-0" class="comp article-body article-content mntl-block"> <div id="product-review__left-nav_1-0" class="comp left-nav js-sticky-container product-review__left-nav mntl-block"> <div id="product-review__toc_1-0" class="comp mntl-sticky-toc product-review__toc--finance product-review__toc sticky-toc-widget mntl-block" data-desktop-bp="54em" data-tracking-container="true"> <div id="sticky-toc-widget__product-container_1-0" class="comp sticky-toc-widget__product-container mntl-block"> <figure id="sticky-toc-widget__image_1-0" class="comp figure-article sticky-toc-widget__image litho-figure-article mntl-universal-primary-image primary-image"> <div class="primary-image__media"> <div class="img-placeholder" style="padding-bottom:50.0%;"> <img src="https://www.investopedia.com/thmb/rcf7xkh7sTy5aj3XArpwkHGmuGQ=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Northwestern_Mutual_logo-f061b92905f449138c434da069418251.jpg" width="1500" height="750" alt="Northwestern Mutual" class=" primary-image__image mntl-primary-image--blurry" onload="(function(e){e.classList.add('loaded')})(this)" style="--blurry: url('data:image/gif;charset=utf-8;base64,R0lGODlhEgAEAPQAABozYCc8dh5IeCRGfSVIdiVKfS5LeyVQehpPhCVKgCZVgzFUh05kj7fBzeX27u76/P7//////xozYBozYBozYBozYBozYBozYBozYBozYBozYBozYBozYBozYBozYBozYCwAAAAAEgAEAEQIMAALEChQIIJBgwIOKozQIAKDgwYWSlQQAUACgwceREgYYIFCCBEcDDBYsCQCiRECAgA7')" /> <noscript> <img src="https://www.investopedia.com/thmb/rcf7xkh7sTy5aj3XArpwkHGmuGQ=/fit-in/1500x750/filters:format(png):fill(white):max_bytes(150000):strip_icc()/Northwestern_Mutual_logo-f061b92905f449138c434da069418251.jpg" width="1500" height="750" class="loaded primary-img--noscript primary-image__image mntl-primary-image--blurry" alt="Northwestern Mutual" /> </noscript> </div> </div> <figcaption id="primary-image__figcap_2-0" class="comp primary-image__figcap mntl-figure-caption figure-article-caption"> <span class="figure-article-caption-owner"><p> Northwestern Mutual</p> </span> </figcaption> </figure> <div id="sticky-toc-widget__cta_1-0" class="comp sticky-toc-widget__cta commerce-block mntl-block"> <a href="http://dotdash.covrtech.com/?utm_carrier=NorthwesternMutual&utm_journey=bridge" target="_blank" rel="noopener nofollow sponsored nocaes" id="commerce-button_2-0" class=" commerce-button mntl-text-link mntl-commerce-btn" data-tracking-container="false" data-retailer-caption="On Covr" data-affiliate-link-rewriter="utm_source=${DOC_ID}&utm_click=${REQUEST_ID}" ><span class="link__wrapper">Get A Quote</span></a> </div> </div> <div id="sticky-toc-widget__toc_3-0" class="comp sticky-toc-widget sticky-toc-widget__toc sticky-toc--finance sticky-toc--base mntl-sticky-toc mntl-block" data-chop-mobile="false" data-tracking-container="true" data-desktop-bp="54em" data-chop-desktop="false"> <div id="toc-wrapper_3-0" class="comp toc-wrapper mntl-toc mntl-block" data-chop-mobile="true" data-offset="60" data-tracking-container="false" data-tracking-container="true"> <div id="mntl-toc__inner_3-0" class="comp mntl-toc__inner mntl-block"> <div id="mntl-toc__heading_3-0" class="comp js-toc-toggle mntl-toc__heading mntl-block" data-click-tracked="true"> <span id="mntl-toc__heading-text_5-0" class="comp mntl-toc__heading-text mntl-text-block"> Table of Contents</span> <div id="mntl-toc-toggle_3-0" class="comp mntl-toc-toggle mntl-block"> <button id="mntl-toc-toggle__btn_3-0" class="comp js-mntl-toc-toggle mntl-toc-toggle__btn mntl-text-block" data-expanded-text="View All" data-collapsed-text="Expand"> View All</button> </div> </div> <div id="mntl-toc__mobile-toggle_3-0" class="comp js-sticky-toggle mntl-toc__mobile-toggle mntl-block" data-click-tracked="true" data-click-action="OnPageClick-Northwestern Mutual Life Insurance Review" data-tracking-container="true" data-tracking-id="PRM Roundup | Table of Contents"> <span id="mntl-toc__heading-text_6-0" class="comp mntl-toc__heading-text mntl-text-block"> Northwestern Mutual Life Insurance Review</span> </div> <ul id="mntl-toc__list_3-0" class="comp mntl-toc__list-heading expert-content mntl-toc__list"> <li id="mntl-toc__list-item_3-0" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-pros-explained" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Pros Explained" id="mntl-toc__list-item-link_3-0" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Pros Explained</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-1" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-1" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-cons-explained" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Cons Explained" id="mntl-toc__list-item-link_3-0-1" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Cons Explained</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-2" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-2" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-complaint-index" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Complaint Index" id="mntl-toc__list-item-link_3-0-2" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Complaint Index</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-3" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-3" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-consumer-ratings-and-evaluations" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Consumer Ratings and Evaluations" id="mntl-toc__list-item-link_3-0-3" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Consumer Ratings and Evaluations</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-4" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-4" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-competition" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Competition" id="mntl-toc__list-item-link_3-0-4" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Competition</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-5" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-5" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-policies-available" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Policies Available" id="mntl-toc__list-item-link_3-0-5" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Policies Available</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-6" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-6" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-available-riders" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Available Riders" id="mntl-toc__list-item-link_3-0-6" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Available Riders</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-7" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-7" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-customer-service" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Customer Service" id="mntl-toc__list-item-link_3-0-7" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Customer Service</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-8" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-8" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-final-verdict" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Final Verdict" id="mntl-toc__list-item-link_3-0-8" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Final Verdict</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-9" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-9" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-frequently-asked-questions" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-FAQ" id="mntl-toc__list-item-link_3-0-9" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">FAQ</span></a> </div> </li> <li id="mntl-toc__list-item_3-0-10" class="comp mntl-toc__list-item mntl-block"> <div id="mntl-toc__list-item-heading_3-0-10" class="comp mntl-toc__list-item-heading mntl-block"> <a href="#toc-methodology" rel="nocaes" data-tracking-id="PRM Roundup | Table of Contents" data-click-action="OnPageClick-Methodology" id="mntl-toc__list-item-link_3-0-10" data-tracking-container="true" class=" mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" data-tracking-container="true" ><span class="link__wrapper">Methodology</span></a> </div> </li> </ul> </div> </div> </div> </div> </div> <div id="product-review__content_1-0" class="comp expert-content product-review__content prm-sc-page mntl-sc-page mntl-block" data-tracking-container="true"> <span class="heading-toc" id="toc-pros-explained"></span> <h2 id="mntl-sc-block_2-0" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Pros Explained </span> </h2> <ul id="mntl-sc-block_2-0-1" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Excellent customer satisfaction</strong>: Northwestern Mutual consistently performs strongly in nationwide customer satisfaction studies and received the third-fewest number of consumer complaints (based on size) of the 91 life insurance companies we reviewed. </li> <li><strong>Policies eligible for dividends</strong>: Northwestern Mutual rewards its policyholders, even its term policyholders, with dividend payments, and has done so for over 150 years. The dividend for 2023 is projected to be the company’s largest yet at $6.8 billion.<span class="ql-inline-citation" data-cite="20"></span></li> <li><strong>No medical exam coverage available</strong>: Typically, when you get life insurance, you have to undergo a paramedical examination as part of the <a href="https://www.investopedia.com/terms/u/underwriting.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">underwriting</a> process. Northwestern Mutual has an accelerated underwriting program available for some policies without a medical exam. Just be sure to compare quotes for no-med-exam life insurance to quotes for life insurance with a medical exam—the latter policy type can be more affordable in some circumstances.</li> <li><strong>Top-tier financial stability</strong>: Fewer than 10% of the 91 life insurance companies we reviewed received an A++ for financial strength from AM Best. Northwestern is among them.<span class="ql-inline-citation" data-cite="21"></span> Financial strength correlates directly with how likely a company is to be able to pay its life insurance claims.</li> </ul> <span class="heading-toc" id="toc-cons-explained"></span> <h2 id="mntl-sc-block_2-0-2" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Cons Explained </span> </h2> <ul id="mntl-sc-block_2-0-3" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Can’t buy without an agent</strong>: Many life insurers provide the option to purchase term coverage online without an agent, but Northwestern Mutual does not. You’ll need to connect with one to buy any type of coverage.</li><li><strong>Online capabilities are lacking</strong>: Northwestern Mutual doesn’t offer online quotes or provide much in the way of policy information on its website. For either, you’ll have to reach out to an agent.</li> </ul> <span class="heading-toc" id="toc-complaint-index"></span> <h2 id="mntl-sc-block_2-0-4" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Complaint Index </span> </h2> <p id="mntl-sc-block_2-0-5" class="comp mntl-sc-block mntl-sc-block-html"> To get an idea of how happy a life insurance company’s customers are, consider how many customer complaints the company receives.  Of the 91 life insurance companies we reviewed, Northwestern Mutual received the third-fewest number of complaints, according to the <a href="https://www.investopedia.com/terms/n/nainsurancec.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">National Association of Insurance Commissioners (NAIC)</a>. </p> <p id="mntl-sc-block_2-0-6" class="comp mntl-sc-block mntl-sc-block-html"> The NAIC records consumer complaints against insurance companies and uses that data to develop a complaint index. The complaint index is a way to quickly read how many complaints the company received and to compare it to other life insurance companies. If a company’s complaint index is 1.0, it received the expected number of complaints based on its size. Less than 1.0 means the company received fewer complaints than expected; greater than 1.0 means it got more than expected. Northwestern Mutual’s complaint index is exceptionally low. Averaged over the three years between 2020 and 2022, the company’s complaint index is under 0.04.<span class="ql-inline-citation" data-cite="11"></span> </p> <span class="heading-toc" id="toc-consumer-ratings-and-evaluations"></span> <h2 id="mntl-sc-block_2-0-7" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Consumer Ratings and Evaluations </span> </h2> <p id="mntl-sc-block_2-0-8" class="comp mntl-sc-block mntl-sc-block-html"> Northwestern Mutual also measures up well in two other rating systems from organizations that specialize in consumer ratings and evaluations. We looked to AM Best for insight into a company’s financial strength and to J.D. Power to see how companies fared with customers. </p> <p id="mntl-sc-block_2-0-9" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/terms/a/a-m-best.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">AM Best</a> is a credit rating agency that evaluates the financial strength of life insurance companies and ranks them on a scale of A++ to D. Northwestern Mutual is rated A++, which indicates a superior ability to honor its ongoing insurance obligations, including paying its claims. Only eight other companies of the 91 we reviewed received an A++ rating.<span class="ql-inline-citation" data-cite="22"></span> </p> <p id="mntl-sc-block_2-0-10" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/what-is-j-d-power-5025160" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">J.D. Power</a> measures the experience of customers of the largest life insurance carriers in the United States. In their 2022 U.S. Individual Life Insurance Study, J.D. Power ranked Northwestern Mutual fourth out of 22 companies. Northwestern Mutual's score was significantly higher than the average.<span class="ql-inline-citation" data-cite="23"></span> </p> <span class="heading-toc" id="toc-competition"></span> <h2 id="mntl-sc-block_2-0-11" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Competition </span> </h2> <p id="mntl-sc-block_2-0-12" class="comp mntl-sc-block mntl-sc-block-html"> It’s helpful to compare life insurance companies based on key factors like financial strength, customer satisfaction, and policy types available. Below we’ve compared Northwestern Mutual to two of its largest competitors. </p> <figure id="mntl-sc-block_2-0-13" class="comp js-table-scroll sc-block-table--base sc-block-table--finance mntl-sc-block prm-sc-block-table--finance prm-sc-block-table mntl-sc-block-table" data-tracking-container="true" data-tracking-id="table-block"> <div class="mntl-sc-block-table__table-wrapper"> <table class="mntl-sc-block-table__table"> <colgroup style="width: 135px;" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <colgroup style="" span="1"></colgroup> <thead> <tr> <th> </th> <th><b>Northwestern Mutual</b></th> <th><b>New York Life</b> </th> <th><b>MassMutual</b> </th> </tr> </thead> <tbody data-check="0"> <tr> <td>Types of Coverage</td> <td>Term, whole, universal, variable universal</td> <td>Term, whole, universal, variable universal</td> <td>Term, whole, universal, variable universal</td> </tr> <tr> <td>Dividends for 2023</td> <td>$6.8 billion </td> <td>$2.0 billion </td> <td>1.9 billion </td> </tr> <tr> <td>Online Application </td> <td>No </td> <td>No </td> <td>Yes </td> </tr> <tr> <td>AM Best Rating </td> <td>A++ </td> <td>A++ </td> <td>A++ </td> </tr> <tr> <td>Price for Term Policies </td> <td>Information not available </td> <td>Information not available </td> <td>Better than average </td> </tr> <tr> <td>NAIC Complaint Index (averaged over 2020 - 2022) </td> <td>0.036</td> <td>0.18</td> <td>0.05</td> </tr> <tr> <td>J.D. Power Ranking 2022</td> <td>4 out of 22</td> <td>10 out of 22</td> <td>9 out of 22</td> </tr> </tbody> </table> </figure> <div id="mntl-sc-block_2-0-14" class="comp theme-important mntl-sc-block prm-sc-block-callout--finance prm-sc-block-callout mntl-sc-block-callout mntl-block" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"> <div id="mntl-sc-block-callout-body_1-0" class="comp mntl-sc-block-callout-body mntl-text-block"> <p>Our ratings take into account NAIC complaint index scores and AM Best ratings. The NAIC complaint index indicates how many complaints a company receives relative to its size. AM Best assesses a company's ability to pay its claims on a graded scale, with A++ being the highest. All our best life insurance companies have at least an A rating.</p></div> </div> <span class="heading-toc" id="toc-policies-available"></span> <h2 id="mntl-sc-block_2-0-15" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Policies Available </span> </h2> <h3 id="mntl-sc-block_2-0-16" class="comp finance-sc-block-subheading mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Term Life Insurance </span> </h3> <p id="mntl-sc-block_2-0-17" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/terms/t/termlife.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Term life insurance</a> lasts for a certain number of years, usually up to 30, during which you often pay a <a href="https://www.investopedia.com/terms/l/levelpremiumlife.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">level premium</a> (meaning it stays the same year after year). If you want to continue coverage after the level premium period, you may be able to renew it at a higher rate. Some term policies don’t have a level premium period and the premium increases each year you renew coverage.  </p> <p id="mntl-sc-block_2-0-18" class="comp mntl-sc-block mntl-sc-block-html"> Since term policies aren’t designed to be permanent, they tend to be more affordable than permanent coverage like universal or whole life insurance. </p> <p id="mntl-sc-block_2-0-19" class="comp mntl-sc-block mntl-sc-block-html"> Northwestern Mutual offers both level premium term and annually renewable term life insurance policies. </p> <ul id="mntl-sc-block_2-0-20" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Level Term 10</strong>: Provides coverage for up to 20 years. The premium is level for the first 10 years. If you choose to continue coverage for another 10 years, the premiums will increase.</li><li><strong>Level Term 20</strong>: Premiums are level and coverage lasts for 20 years.</li><li><strong>Term 10</strong>: This coverage lasts for up to 10 years, premiums increase each year you renew.</li><li><strong>Term 80</strong>: With this policy, you can continue to renew coverage until you’re 80 years old, but premiums will increase annually.<span class="ql-inline-citation" data-cite="24"></span></li> </ul> <p id="mntl-sc-block_2-0-21" class="comp mntl-sc-block mntl-sc-block-html"> You can convert some or all of your term policy with Northwestern Mutual into a whole life policy without going through medical underwriting. </p> <h3 id="mntl-sc-block_2-0-22" class="comp finance-sc-block-subheading mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Whole Life Insurance </span> </h3> <p id="mntl-sc-block_2-0-23" class="comp mntl-sc-block mntl-sc-block-html"> Unlike term, <a href="https://www.investopedia.com/terms/w/wholelife.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">whole life insurance</a> provides lifelong protection. It incorporates a <a href="https://www.investopedia.com/terms/c/cash-value-life-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">cash value</a> account that grows as the policy ages, and you may be able to withdraw or borrow from the account if desired. Whole life insurance is more expensive than term and may also be more expensive than universal life insurance, which we discuss below. As long as premiums are paid, the coverage is guaranteed.  </p> <p id="mntl-sc-block_2-0-24" class="comp mntl-sc-block mntl-sc-block-html"> If you are interested in whole life insurance and would like more details, you can speak with an agent. </p> <h3 id="mntl-sc-block_2-0-25" class="comp finance-sc-block-subheading mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Universal Life </span> </h3> <p id="mntl-sc-block_2-0-26" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/terms/u/universallife.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Universal life (UL) insurance</a> is also permanent life insurance but with more flexibility than whole life. You can adjust the frequency or duration of premium payments and may be able to adjust the death benefit as well. But if you draw down the cash value too much, you could cause the policy to lapse. And since universal life policies grow based on current interest rates, it’s possible the cash value might not grow as expected and you may have to increase premiums in the policy’s later years to avoid a lapse. </p> <p id="mntl-sc-block_2-0-27" class="comp mntl-sc-block mntl-sc-block-html"> Northwestern Mutual also offers single premium and survivorship UL policies. </p> <h3 id="mntl-sc-block_2-0-28" class="comp finance-sc-block-subheading mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Variable Universal Life Insurance </span> </h3> <p id="mntl-sc-block_2-0-29" class="comp mntl-sc-block mntl-sc-block-html"> <a href="https://www.investopedia.com/ask/answers/08/variable-life-insurance.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">Variable universal life (VUL) insurance</a> is a permanent life insurance policy with an investing component. It’s considered the riskiest life insurance product because the cash value is directly invested in the stock market and can lose value. Plus, policy fees tend to be higher with this type of coverage. In other words, if policy investments lose value or don’t perform well enough, you may have to increase the premium to keep the policy from lapsing. </p> <span class="heading-toc" id="toc-available-riders"></span> <h2 id="mntl-sc-block_2-0-30" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Available Riders </span> </h2> <p id="mntl-sc-block_2-0-31" class="comp mntl-sc-block mntl-sc-block-html"> <br/>Riders increase or extend the coverage of your life insurance policy. Some riders, called living benefits or accelerated benefit riders, let you access part of the death benefit early, before death. Some of Northwestern Mutual’s riders are below. Most cost extra and need to be selected when the policy is issued. </p> <ul id="mntl-sc-block_2-0-32" class="comp mntl-sc-block mntl-sc-block-html"> <li><strong>Additional Purchase Benefit</strong>: This is a guaranteed insurability rider that lets you increase your coverage at future dates without having to reapply or prove that you’re still insurable.</li><li><strong>Waiver of premium</strong>: If you become disabled, the company will waive your premiums for as long as you’re disabled.</li><li><strong>Early payment benefit</strong>: Though not a rider, per se, whole life and some term policyholders may be eligible to apply to receive a portion of the death benefit early in the event of a terminal illness (when death is expected within six months).</li><li><strong>Accelerated death benefit</strong>: The insured can receive part of the death benefit while still living, if they are diagnosed with certain conditions requiring long-term care.</li> </ul> <span class="heading-toc" id="toc-customer-service"></span> <h2 id="mntl-sc-block_2-0-33" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Customer Service </span> </h2> <p id="mntl-sc-block_2-0-34" class="comp mntl-sc-block mntl-sc-block-html"> You can call Northwestern Mutual’s customer service number at (866) 950-4644 between 7 a.m. and 6 p.m. Central Time from Monday through Friday. The company does not offer online chat or an online form for non-existing customers to request an email response. </p> <span class="heading-toc" id="toc-final-verdict"></span> <h2 id="mntl-sc-block_2-0-35" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Final Verdict </span> </h2> <p id="mntl-sc-block_2-0-36" class="comp mntl-sc-block mntl-sc-block-html"> Without question, Northwestern Mutual is a standout company. Northwestern Mutual has a high ranking by J.D. Power and an extremely low number of complaints. Its stellar financial strength rating and long company history mean it’s likely to weather financial storms in the future just as it did in the past. </p> <p id="mntl-sc-block_2-0-37" class="comp mntl-sc-block mntl-sc-block-html"> However, Northwestern Mutual is trailing its peers regarding online features like quotes, applications, and policy-specific information. If you’re looking for dividends, it may be worth your while to pick up the phone to apply for a Northwestern Mutual policy, as they pay substantial dividends, and most dividend-eligible policies from any insurer cannot be purchased online anyway. </p> <span class="heading-toc" id="toc-frequently-asked-questions"></span> <h2 id="mntl-sc-block_2-0-38" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Frequently Asked Questions </span> </h2> <h3 id="mntl-sc-block_2-0-39" class="comp finance-sc-block-subheading mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Does Northwestern Mutual Pay Out? </span> </h3> <p id="mntl-sc-block_2-0-40" class="comp mntl-sc-block mntl-sc-block-html"> Yes. Northwestern Mutual has an excellent reputation and financial standing. It should pay out its policies in a timely manner, assuming all the connected paperwork is in order and no outstanding payments on the premiums.<br/> </p> <h3 id="mntl-sc-block_2-0-41" class="comp finance-sc-block-subheading mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Can You Cash Out a Life Insurance From Northwestern Mutual? </span> </h3> <p id="mntl-sc-block_2-0-42" class="comp mntl-sc-block mntl-sc-block-html"> Whole and universal life insurance are two forms of permanent life insurance offered by Northwestern Mutual. You can borrow or take out the cash value of a permanent life insurance policy, but your death benefit portion of an insurance policy cannot be touched until your death. Depending on how much you withdraw you may owe taxes. Interest your cash value earns is also taxable. </p> <h3 id="mntl-sc-block_2-0-43" class="comp finance-sc-block-subheading mntl-sc-block prm-sc-block-subheading mntl-sc-block-subheading"> <span class="mntl-sc-block-subheading__text"> Can You Cancel Your Life Insurance from Northwestern Mutual? </span> </h3> <p id="mntl-sc-block_2-0-44" class="comp mntl-sc-block mntl-sc-block-html"> Yes, you can cancel your life insurance policy at any time. If you cancel a whole or universal life insurance policy with a cash value attached, the funds will be returned to you. A surrender charge may be deducted from the sum you receive. Any gains made on your cash value may be considered taxable income.<br/><br/> </p> <span class="heading-toc" id="toc-methodology"></span> <h2 id="mntl-sc-block_2-0-45" class="comp finance-sc-block-heading mntl-sc-block prm-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Methodology </span> </h2> <p id="mntl-sc-block_2-0-46" class="comp mntl-sc-block mntl-sc-block-html"> We designed a comprehensive ranking methodology based on consumer priorities and <a href="https://www.investopedia.com/life-insurance-review-methodology-5071427" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">life insurance company</a> fundamentals to rank more than 90 insurers across five general categories: financial stability, customer satisfaction, product and feature variety, the overall buying experience, and cost. </p> <p id="mntl-sc-block_2-0-47" class="comp mntl-sc-block mntl-sc-block-html"> In order to do this, we collected over 5,000 data points and scored each company based on 55 metrics. Metrics were grouped by category to see how insurers performed in each; we then weighted category scores to determine how companies performed overall. </p> </div> </div> </div> </div> </span> </div><div class="loc content-bottom"><div id="prm-article-sources_1-0" class="comp prm-article-sources article-sources mntl-article-sources mntl-expandable-block" data-scroll-offset="100"><div class="loc toggle-content"><div id="mntl-article-sources__wrapper_1-0" class="comp mntl-article-sources__wrapper mntl-block article-sources__wrapper" data-click-tracked="true"><div id="mntl-article-sources__heading_1-0" class="comp mntl-article-sources__heading mntl-text-block article-sources__heading">Article Sources</div> <div id="mntl-article-sources__icon-wrapper_1-0" class="comp mntl-article-sources__icon-wrapper mntl-block article-sources__icon-wrapper"><div id="article-sources__show-icon_1-0" class="comp article-sources__show-icon mntl-block"></div> <div id="article-sources__hide-icon_1-0" class="comp article-sources__hide-icon mntl-block"></div></div></div> </div><div class="loc expandable-content"> <div id="article-sources__disclaimer_1-0" class="comp article-sources__disclaimer mntl-block">Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our <a href="https://www.investopedia.com/legal-4768893#EditorialPolicy" rel="nocaes" id="article-sources__disclaimer-text-link_1-0" class="article-sources__disclaimer-text-link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">editorial policy.</span></a></div> <div id="mntl-article-sources__citation-sources-1_1-0" class="comp mntl-article-sources__citation-sources-1 mntl-citation-sources mntl-sources" data-tracking-container="true"> <ol class="mntl-sources__content"> <li class="mntl-sources__source" id="citation-20"><p>Northwestern Mutual. "<a href="https://news.northwesternmutual.com/2022-10-26-Northwestern-Mutual-to-Deliver-Record-Breaking-6-8-Billion-in-Dividends-to-Policyowners" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow sponsored">Northwestern Mutual to Deliver Record-Breaking $6.8 Billion in Dividends to Policyowners</a>."</p></li> <li class="mntl-sources__source" id="citation-21"><p>AM Best. "<a href="https://news.ambest.com/presscontent.aspx?refnum=30672&altsrc=9" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow sponsored">AM Best Affirms Credit Ratings of the Northwestern Mutual Life Insurance Company and Its Subsidiary</a>."</p></li> <li class="mntl-sources__source" id="citation-11"><p>National Association of Insurance Commissioners. "<a href="https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=67091&:refresh" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Northwestern Mut Life Ins Co National Complaint Index Report</a>."</p></li> <li class="mntl-sources__source" id="citation-22"><p>AM Best. "<a href="https://news.ambest.com/presscontent.aspx?refnum=30672&altsrc=9" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow sponsored">AM Best Affirms Credit Ratings of The Northwestern Mutual Life Insurance Company and Its Subsidiary</a>."</p></li> <li class="mntl-sources__source" id="citation-23"><p>J.D. Power. "<a href="https://www.jdpower.com/business/press-releases/2022-us-individual-life-insurance-individual-annuity-studies" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Both Life Insurance and Annuity Customer Satisfaction Decline as Pandemic Fears Wane, J.D. Power Finds</a>."</p></li> <li class="mntl-sources__source" id="citation-24"><p>Northwestern Mutual. 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