Northwestern Mutual

Northwestern Mutual Long Term Care Insurance Company - California Subsidiary Information

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.Northwestern Long Term Care Insurance Company (Northwestern LTC) is a wholly owned subsidiary of The Northwestern Mutual Life Insurance Company (Northwestern Mutual). As a subsidiary of Northwestern Mutual, the long-term care* benefits of Northwestern LTC policies have been 100% guaranteed by Northwestern Mutual.

Northwestern LTC:

  • Continues to have among the highest financial strength ratings given by all four major credit rating services.1
  • Has a history of offering new policy features to existing policyowners whenever possible and practical, as required by law.2
  • Has not raised rates on in-force long-term care insurance policies.

Financial Strength

Financial strength is and has been integral to Northwestern LTC’s vision for policyowners. The financial strength ratings provide a professional assessment of Northwestern LTC’s financial strength and represent our promise to pay claims and meet our obligations.

Rest assured in our promise to be there for you when you need us most.

Long-Term View

Northwestern LTC strives to offer high-quality, long-term product value by utilizing careful underwriting, vigilant expense control and prudent but productive investment practices. The result is customer loyalty, which is perhaps the truest measure of customer satisfaction as well as an indication that the products were clearly explained and fully understood in the first place. Northwestern LTC prices its long-term care insurance using low lapse assumptions, which anticipate that most policyowners will keep and use their policies. Low lapse assumptions contribute to better cash flow for investments and a larger base over which to spread expenses. This enables Northwestern LTC to invest in a diversified portfolio with a long-term horizon, allowing for better stability when short–term fluctuations exist in the investment market.


Northwestern LTC is committed to providing a steady, stable and lasting value.


Our Commitment

With an ever-changing long-term care insurance landscape, one of the most valuable benefits from Northwestern LTC is the commitment to our policyowners.

QuietCare® was first introduced in 1998 by Northwestern Long Term Care Insurance Company (Northwestern LTC), which shares a commitment to the same mutual values as its parent company, The Northwestern Mutual Life Insurance Company. Northwestern LTC has a history of offering new policy features to existing policyowners whenever possible and practical, as required by law.2

The following timeline illustrates dividends payments made to existing policyowners.

2009: Approximately $7.9M dividends paid out to approximately 48,000  policyowners.4

2010: Approximately $8.1M dividends paid out to approximately 50,000  policyowners.4

2011: Approximately $10.0M dividends paid out to approximately 62,000 policyowners.4

2012: Approximately $12.7M dividends paid out to approximately 67,000 policyowners.4

2013: Approximately $8.7M dividends paid out to approximately 64,000 policyowners.4


Northwestern LTC is committed to building long-term relationships to meet policyowner needs, and building and preserving financial strength. These are important considerations when purchasing a product that may not be needed for 20, 30 or 40 years.