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.

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.

Life Insurance Calculator

How much life insurance is right for you?

Calculate it

You've got whole life insurance questions, we've got answers.

Get matched with a financial advisor in four easy steps.

The key to a smarter financial plan: whole life insurance

Did you know that whole life insurance can be an important part of your financial big picture? At Northwestern Mutual, our advisors4 will create a financial plan based on your priorities and goals, tailoring it from a range of financial options including the right amount of whole life insurance and investment strategies to give you more flexibility, and confidence to go after your goals now, and years from now. Here's what our version of planning can do:

Two men holding a baby with a yellow jacket
  • Protect everything you’ve worked hard for up to now and plan to do in the future

  • Make the most of what you have with recommendations for saving and managing debt

  • Grow your money with the right investments to reach your goals

Our approach to planning

Get our weekly email series filled with financial tips, tools, and more.

Enter your contact information to receive weekly emails about reaching your goals.

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:

Couple hugging in front of a house
  • Anything you want (when you take it as cash)

  • Paying your premiums

  • Increasing your coverage

Watch video

The Northwestern Mutual difference

No. 1 most trusted insurance company

Best Life Insurance Company ranked by NerdWallet, 20206

Ranking for Northwestern Mutual Investment Services LLC, ©2017–2020 and TM, NerdWallet, Inc. All Rights Reserved.

No. 1 most admired companies

World's Most Admired Companies ranked by FORTUNE®, 20217

Ranking for Northwestern Mutual, 2021 FORTUNE®

$6.5B in dividends expected to be paid in 2022

in dividends expected to be paid in 20222

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

No. 1 overall ranked insurance company

Most Trusted Financial Companies for Life Insurance ranked by Investor's Business Daily, 20218

Ranking for Northwestern Mutual 2021, Investor's Business Daily®

Ready to find the best life insurance option for you?

Our advisors will help you figure out the right amount of whole life insurance for your goals and budget.

It's easy to get started—no commitment, just a conversation