Variable Life Insurance 

Variable Life Insurance Overview

Variable life insurance includes a variety of investment choices, premium payment flexibility, and the potential to withdraw funds or borrow against the Policy Value.

Keep in mind that the Policy's investment orientation means that Policy’s performance is subject to the investment results of the underlying investment divisions, both decreases and increases.

If you need life insurance and are not discouraged by market volatility and the potential loss of principal, then Variable Life Insurance may be right for you.

What should you look for when purchasing a Variable Universal Life Insurance policy?

• Design flexibility
• Customize death benefit
• Flexible premium payments
• Policyowner control over investment of net premiums
• Policy value accessible through withdrawals or loans
  
• Investment choices
• Investment funds that offer a wide range of risk levels
• Transfer assets among investment funds without incurring taxes
• Dollar cost averaging to direct a specified amount into your chosen investment funds on a regular basis
  
• Company strength

When to Use Variable Life Insurance

• When you have a long-term time horizon.
• When you want to make an appropriate subsequent purchase to round out an existing insurance portfolio.
• When you want to invest your policy values more aggressively than Northwestern Mutual invests the funds for a permanent life insurance policy.
• When you can tolerate volatility of investment returns.
• When you have the ability to pay premiums over an extended period of time.

NMFN-VL-001 (1109)

Custom Variable Universal Life Insurance

Life insurance is one of the most cost-effective ways to help you, your family, and/or your business offset the risk of financial loss.  Yet the risks you face today will likely be different from those you will face in years to come. Custom Variable Universal Life insurance can be attractive for many reasons in addition to the death benefit, including its:

• Variety of investment choices
• Premium payment flexibility
• Potential to withdraw funds or borrow against the Policy Value

Keep in mind that the Policy’s investment orientation means that the Policy’s performance is subject to the investment results of the underlying investment options, both decreases and increases. If you need life insurance and are able to accept market volatility and the potential for loss of principal, then Custom Variable Universal Life may be right for you.

Custom Variable Universal Life is a flexible premium variable universal life insurance policy. Net premium payments you make are allocated to the divisions of the Separate Account, which invests in underlying funds.

See the Policy and fund prospectuses for detailed information about the Policy, premium expense charges, monthly policy charges, and the divisions of the Separate Account.

You should carefully consider the investment objectives, risks, expenses and charges of the investment company before you invest. Your Northwestern Mutual Investment Services Registered Representative can provide you with a prospectus that will contain the information noted above, and other important information that you should read carefully before you invest or send money.

TT.CVUL(0107)

Issuer: The Northwestern Mutual Life Insurance Company (Northwestern Mutual), 720 E. Wisconsin Avenue, Milwaukee, WI 53202-4797

Principal Underwriter: Northwestern Mutual Investment Services, LLC. (866) 664-7737 Member FINRA and SIPC.

Historical Performance and Policy Information Brochures

Download CVUL Historical Performance Brochure
Download CVUL Policy Information Brochure

Northwestern Mutual variable contracts are sold through individuals who, in addition to being licensed life insurance agents of Northwestern Mutual, are Registered Representatives of Northwestern Mutual Investment Services, LLC.

NMFN-VL-002 (1109)

Executive Variable Universal Life Insurance

Life insurance is one of the most cost-effective ways to help your business offset the risk of financial loss due to a premature death. Yet the risks you face today will likely be different from those you will face in years to come. Executive Variable Universal Life insurance can be attractive for many reasons in addition to the death benefit, including its:

• Variety of investment choices
• Premium payment flexibility
• Potential for growth in death benefit if there is favorable investment experience
• Potential for greater cash value growth

Keep in mind that the Policy’s investment orientation means that the Policy’s performance is subject to the investment results of the underlying investment options, both decreases and increases. If you need life insurance and are able to accept market volatility and the potential for loss of principal, then Executive Variable Universal Life may be right for you.

Business Solutions

The life insurance protection of Executive Variable Universal Life and its ability to accumulate cash surrender value on a tax-deferred basis can provide solutions for a variety of financial and insurance needs. This is especially true in the area of executive benefit programs and corporate financing. Because of the great amount of flexibility, its design works especially well with:

• Informal financing of selective nonqualified benefit plans for key employees.
• Funding of general corporate liability.
• Cost recovery for benefits previously paid by the business.
• Funding buy/sell arrangements.
• Providing key person coverage.
• Financing employee stock ownership plans.

Executive Variable Universal Life is a flexible premium variable universal life insurance policy. Net premium payments you make are allocated to the divisions of the Separate Account, which invests in underlying funds. See the Policy and fund prospectuses for detailed information about the Policy, premium expense charges, monthly policy charges, and the divisions of the Separate Account.

You should carefully consider the investment objectives, risks, expenses and charges of the investment company before you invest. Your Northwestern Mutual Investment Services Registered Representative can provide you with a prospectus that will contain the information noted above, and other important information that you should read carefully before you invest or send money.

TT.EVUL(0107)

Issuer: The Northwestern Mutual Life Insurance Company (Northwestern Mutual), 720 E. Wisconsin Avenue, Milwaukee, WI 53202-4797

Principal Underwriter: Northwestern Mutual Investment Services, LLC. (866) 664-7737 Member FINRA and SIPC.

Historical Performance and Policy Information Brochures

Download EVUL Historical Performance Brochure
Download EVUL Policy Information Brochure

Northwestern Mutual variable contracts are sold through individuals who, in addition to being licensed life insurance agents of Northwestern Mutual, are Registered Representatives of Northwestern Mutual Investment Services, LLC.

NMFN-VL-003 (1109)

Survivorship Variable Universal Life Insurance

Life insurance is one of the most cost-effective ways to help you, your family, and/or your business offset the risk of financial loss. Yet the risks you face today will likely be different from those you will face in years to come. Survivorship Variable Universal Life insurance can be attractive for many reasons, including its:

• Variety of investment choices
• Premium payment flexibility
• Potential to withdraw funds or borrow against the Policy Value

Keep in mind that the Policy’s investment orientation means that Policy performance is subject to the investment results of the underlying investment options, both decreases and increases. If you need life insurance and are able to accept market volatility and the potential for loss of principal, then Survivorship Variable Universal Life may be right for you.

Estate Strategies

Backed by Northwestern Mutual’s strong history and combined with your existing assets, Survivorship Variable Universal Life insurance holds the potential to help you achieve the financial security that comes from protecting and preserving the estate you’ve built over your lifetime. Its flexibility allows you to adjust the Policy when changes in estate tax legislation, your financial situation or any other circumstances trigger a need to review your strategy.

Survivorship Variable Universal Life is a flexible premium variable universal life insurance policy that insures the lives of two people. The death benefit is payable upon the second death. Net premium payments you make are allocated to the divisions of the Separate Account, which invests in underlying funds. See the Policy and fund prospectuses for detailed information about the Policy, premium expense charges, monthly policy charges, and the divisions of the Separate Account.

You should carefully consider the investment objectives, risks, expenses and charges of the investment company before you invest. Your Northwestern Mutual Investment Services Registered Representative can provide you with a prospectus that will contain the information noted above, and other important information that you should read carefully before you invest or send money.

TT.SVUL(0107)

Issuer: The Northwestern Mutual Life Insurance Company (Northwestern Mutual), 720 E. Wisconsin Avenue, Milwaukee, WI 53202-4797

Principal Underwriter: Northwestern Mutual Investment Services, LLC. (866) 664-7737 Member FINRA and SIPC.

Historical Performance and Product Information Brochures

Download SVUL Historical Performance Brochure
Download SVUL Product Information Brochure

Northwestern Mutual variable contracts are sold through individuals who, in addition to being licensed life insurance agents of Northwestern Mutual, are Registered Representatives of Northwestern Mutual Investment Services, LLC.

NMFN-VL-004 (1109)