Disability Income Insurance FAQs

Access Online Account Information

Northwestern Mutual online account access is available for the following types of policies/accounts:

  • Life insurance

  • Disability insurance

  • Annuity contracts

  • Variable annuity contracts

Register for Online Access to Your Accounts

Register now so you can access your accounts at your convenience.

You will need to have a product number in hand to register. This includes one of the following — insurance policy number, annuity contract number or insurance service account number.

Premium Payments

Paying premiums keeps your disability income policy in force and ensures you will continue to receive the protection your policy offers.

Ways to Pay Your Premiums

Northwestern Mutual offers three easy ways to pay your disability income insurance premiums.

  • Automatic withdrawal

    • Automatic withdrawal, often called Electronic Funds Transfer (EFT), is the quickest, most convenient way to pay your premiums. Just tell us what checking or savings account you want the money to come from, and how often you want to pay. You can pay your premiums monthly, quarterly, every six months or once a year. To pay by automatic withdrawal, log on to 'Access Your Accounts,' select 'Billing Account', and complete the Automatic EFT Payments Form. You must have a Billing/Payment Account in order to make payments via Automatic withdrawal.

  • Direct billing

    • Northwestern Mutual sends you a billing notice in the mail. If you have several policies with Northwestern Mutual, you can have them all placed on one bill using a Billing/Payment Account.

  • Electronic Payment Services

    • Not to be confused with EFT, these are outside electronic bill payment services such as MSMoney, Quicken or your bank. Northwestern Mutual still bills you directly, but you instruct the outside service to pay. An electronic payment service arrangement is an agreement between you and the provider of the service. Unlike EFT, where Northwestern Mutual draws the amount for the payment on the day it is due, you are responsible for coordinating the payment amount, date and payee with the service.

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Submit a Disability Benefit Claim

If you have become disabled due to an accident or illness, you may be eligible for benefits from your disability income insurance policy.

To notify Northwestern Mutual of a disability:

We will mail you a personalized claim kit within two business days of receiving your notification of disability. The kit contains forms and instructions you will need to file your claim.

If you also have the waiver of premium benefit on your life insurance or annuity and IRA policies, one notification begins the claim process for both your disability income insurance and the waiver of premium benefit.

Premiums Payments During the Claim Process

In order to protect your policy rights, you should continue to pay premiums on all of your Northwestern Mutual policies until your disability claim is approved.

After your claim has been approved, we will refund any premiums paid on your disability insurance policy back to the date of disability as determined during the review of your claim.

These premiums will be refunded to the premium payer.

Note:

You will not have to pay premiums on your disability insurance policy while you are receiving benefits from the policy.

Submit a Waiver of Premium Claim

If you have been disabled for at least six months due to an accident or illness, and you purchased the waiver of premium benefit on any of your life insurance or annuity policies, you may be able to suspend payment of your premiums on these policies.

To notify Northwestern Mutual of a disability,

We will mail you a personalized claim kit within two business days of receiving your notification of disability. The kit contains forms and instructions you will need to file your claim.

If you also have the waiver of premium benefit on your life insurance or annuity and IRA policies, one notification begins the claim process for both your disability income insurance and the waiver of premium benefit.

Premiums Payments During the Claim Process

In order to protect your policy rights, you should continue to pay premiums on all of your Northwestern Mutual policies until your disability claim is approved.

After your claim has been approved, we will refund any premiums paid on your disability insurance policy back to the date of disability as determined during the review of your claim.

These premiums will be refunded to the premium payer.