Live your life with whole life insurance.

Having a whole life insurance policy from Northwestern Mutual is much more than a safety net. It has benefits you can use while you're living that will give your financial plan even more flexibility. Whole life insurance builds cash value over time that you can use for anything. It can come in handy for unexpected expenses, putting your kids through college, expanding your business, upgrading your home, or as additional income in retirement.

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Get more with a whole life insurance policy

Premiums that never increase

Once we set your premiums (based on things like the amount of coverage you'll need, your age, and health), what you pay every month (or yearly) is what you'll always pay.

Guaranteed payout

Along with giving you the confidence of knowing that there will be lifelong protection for your loved ones, they'll receive a death benefit when you're no longer here.

Flexible funds

Your policy builds cash value1 that can be used for anything. You also have a chance to earn dividends2 which you can take as cash, use it to pay premiums, and more.

Tax advantages

The death benefit (payout) of your policy is typically tax-free, and the cash value accumulates tax deferred.

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Dividends put money back into your pocket.

Dividends are given out when our earnings turn out better than we thought they would when premiums were set, and benefits established. As a mutual company, we don't have stockholders so instead of paying dividends to Wall Street, we pay them to our policyowners. Even though they're not guaranteed, we've paid dividends every year since 1872. Here's what you can use them for:

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  • Anything you want (when you take it as cash)
  • Paying your premiums
  • Increasing your coverage
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The Northwestern Mutual difference

No. 1  ranked insurance company for consumer experience

Best life insurance company for consumer experience, 20226

Ranking for Northwestern Mutual Investment Services LLC, ©2017–2022 and TM, NerdWallet, Inc. All Rights Reserved.

No. 1  most admired companies

Fortune® named us one of the World's Most Admired Companies, ranking us #1 among life insurers.7

Ranking for Northwestern Mutual, 2021 Fortune®

$6.8B  in dividends expected to be paid in 2023

in dividends expected to be paid in 20232

Statistic for Northwestern Mutual, Dividends are reviewed annually and are not guaranteed. based on Northwestern Mutual policyowner data.

A++  financial strength rating

AAA, Aaa, and AA+—we've earned the highest financial strength ratings awarded to life insurers from all four major rating agencies.8

Awarded in the Insurance category: Life & Health industry, Fortune® Magazine's annual survey, 2017
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