N-6
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May 01, 2025
USD ($)
yr
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| Prospectus: |
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| Document Type |
N-6
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| Entity Registrant Name |
Northwestern Mutual Variable Life Account II
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| Entity Central Index Key |
0001359314
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| Entity Investment Company Type |
N-6
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| Document Period End Date |
May 01, 2025
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| Amendment Flag |
false
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| Variable Universal Life Plus |
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| Prospectus: |
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| Fees and Expenses [Text Block] |
Charges for Early Withdrawals |
in the first ten Policy Years you will be assessed a surrender charge of up to amount was $100,000, you could pay a surrender charge of up to $50,000. Withdrawals are subject to a $25 service charge (currently waived) for each withdrawal request. |
Fee and Expense Tables – Transaction Fees (Surrender Charge and Withdrawal Fee) Also see Information About the Policy – Other Benefits Available Under the Policy (Paid-Up Insurance) |
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In addition to surrender charges and withdrawal charges, you may also be charged for other transactions, such as certain tax-related charges, a front-end sales load, charges for transferring between investment options, requesting transfers. Administrative Fee. We assess a one-time administrative fee of up to $250 when you exercise the Terminal Illness Benefit. |
Fee and Expense Tables – Transaction Fees Fees and Expense Tables – Periodic Charges (Other than Portfolio Operating Expenses) |
Ongoing Fees and Expenses (annual charges) |
In addition to the charges above, investment in the Policy is subject to ongoing fees and expenses, including fees covering the cost of insurance and optional benefits available under the Policy. These fees are based on information as of December 31, 2024, may change from year to year, and are generally based on characteristics of the insured (e.g., age, sex and rating classification). You should review your Policy specifications page for specific rates applicable under You bear the expenses associated with the Portfolios available under your Policy, the range for which is shown in the following table: |
Fee and Expense Tables – Periodic Charges (Other than Portfolio Operating Expenses) Fee and Expense Tables – Annual Portfolio Operating Expenses |
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Investment Options fees and expenses) |
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* As a percentage of Portfolio assets. |
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| Charges for Early Withdrawals [Text Block] |
Charges for Early Withdrawals |
in the first ten Policy Years you will be assessed a surrender charge of up to amount was $100,000, you could pay a surrender charge of up to $50,000. Withdrawals are subject to a $25 service charge (currently waived) for each withdrawal request. |
Fee and Expense Tables – Transaction Fees (Surrender Charge and Withdrawal Fee) Also see Information About the Policy – Other Benefits Available Under the Policy (Paid-Up Insurance) |
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| Surrender Charge Phaseout Period, Years | yr |
10
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| Surrender Charge (of Purchase Payments) Maximum [Percent] |
50.00%
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| Surrender Charge Example Maximum [Dollars] |
$ 50,000
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| Transaction Charges [Text Block] |
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In addition to surrender charges and withdrawal charges, you may also be charged for other transactions, such as certain tax-related charges, a front-end sales load, charges for transferring between investment options, requesting transfers. Administrative Fee. We assess a one-time administrative fee of up to $250 when you exercise the Terminal Illness Benefit. |
Fee and Expense Tables – Transaction Fees Fees and Expense Tables – Periodic Charges (Other than Portfolio Operating Expenses) |
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| Ongoing Fees and Expenses [Table Text Block] |
Ongoing Fees and Expenses (annual charges) |
In addition to the charges above, investment in the Policy is subject to ongoing fees and expenses, including fees covering the cost of insurance and optional benefits available under the Policy. These fees are based on information as of December 31, 2024, may change from year to year, and are generally based on characteristics of the insured (e.g., age, sex and rating classification). You should review your Policy specifications page for specific rates applicable under You bear the expenses associated with the Portfolios available under your Policy, the range for which is shown in the following table: |
Fee and Expense Tables – Periodic Charges (Other than Portfolio Operating Expenses) Fee and Expense Tables – Annual Portfolio Operating Expenses |
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Investment Options fees and expenses) |
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* As a percentage of Portfolio assets. |
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| Investment Options (of Other Amount) Minimum [Percent] |
0.21%
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| Investment Options (of Other Amount) Maximum [Percent] |
2.73%
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| Investment Options Footnotes [Text Block] |
* As a percentage of Portfolio assets.
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| Risks [Table Text Block] |
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You can lose money by investing in the Policy, including loss of principal. |
Risks of the Policy – Investment Risk and The Funds |
Not a Short-Term Investment |
The Policy is not a short-term investment and is not appropriate for you if you need ready access to cash. Surrender charges apply in the first 10 Policy Years and the value of your Policy and life insurance benefit will be reduced if you withdraw money. In addition, short-term investment in the Policy may subject you to income taxes and tax penalties. |
Risks of the Policy for Long-Term Protection |
Risks Associated with Investment Options |
Investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options investment option) will have its own unique risks and you should review these investment options before making an investment decision. |
Risks of the Policy – Investment Risk Also see The Funds and The Fixed Option (NM Strength and Stability Account) sections |
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Investment in the Policy is subject to the risks related to Northwestern Mutual, and any obligations (including under any fixed account investment options), guarantees, or benefits are subject to the claims-paying ability of Northwestern strength ratings, is available upon request by calling toll free (866) 464-3800. |
Risks of the Policy – Investment Risk and the Northwestern Mutual section. |
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Insufficient premium payments, poor investment results, withdrawals, unpaid loans, or loan interest may cause your Policy to lapse, meaning you will no longer have any life insurance coverage and death benefits will not be paid. After lapse, you may reinstate the Policy subject to certain conditions described in the Prospectus, including the payment of the minimum payment amount, required to keep the Policy in force. |
Risks of the Policy –Lapse Information About the Policy – Termination and Reinstatement |
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| Investment Restrictions [Text Block] |
Transfers or allocations to the Government Money Market Division and the Policy’s fixed option, the NM Strength and Stability Account (the “SAS Account”), are subject to certain restrictions. We do not permit transfers from the SAS Account to the Divisions. Transfers from the Divisions must be in amounts greater than or equal to 1% of assets in the Divisions, may be subject to charges, and are subject to the Policy’s short-term and excessive trading policies. These short-term and excessive trading policies may trigger additional restrictions on your Policy. Currently, there is no charge when you transfer Contract Fund Value among Divisions and to the SAS Account. However, we reserve the right to charge $25 for each transfer. You may invest in up to 30 Divisions at a time.Under certain circumstances Northwestern Mutual reserves the right to remove a Portfolio or substitute another Portfolio or mutual fund for such Portfolio.
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| Optional Benefit Restrictions [Text Block] |
Optional benefits are subject to additional charges and payments made under these benefits are generally subject to the same transaction fees as other premium payments but may be treated differently for other purposes (e.g., certain death benefit minimums). Optional benefits are not available for all ages (or may terminate at certain ages) and underwriting classifications. We may stop offering an optional benefit at any time.
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| Tax Implications [Text Block] |
You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Policy. There is no additional tax benefit if the Policy is purchased through a tax-qualified plan or individual retirement account (IRA). Withdrawals will generally be subject to ordinary income tax, and may be subject to tax penalties.
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| Investment Professional Compensation [Text Block] |
The Policy is sold exclusively through financial representatives of Northwestern Mutual’s affiliated broker-dealer, who are compensated with a commission based on a percentage of premium, and Northwestern Mutual may share revenue it earns on the Policy with its affiliated broker-dealer. These financial representatives may have a financial incentive to offer or recommend the Policy over other investments.
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| Exchanges [Text Block] |
Some financial representatives may have a financial incentive to offer this Policy in place of one you already own. You should only exchange an existing policy if you determine, after comparing the features, fees and risks of both policies, and any fees or penalties to terminate the existing policy, that it is preferable to purchase this Policy rather than continue to own the existing policy.
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| Item 4. Fee Table [Text Block] |
Fee and Expense TablesThe following tables describe the fees and expenses that are payable when you buy, own, surrender or make withdrawals from the Policy. Please refer to your Policy specifications page for information about the specific fees you will pay each year based on the options you have elected.Transaction FeesThe table below describes the fees and expenses that are payable at the time that you buy the Policy, make premium payments, surrender the Policy, make withdrawals, transfer assets among investment options, or make certain changes to the Policy.
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Guaranteed Maximum Charge |
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No maximum — Charges may increase to reflect actual costs |
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Federal Deferred Acquisition Cost Charge1 |
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Upon surrender or change to paid-up insurance during the first |
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Charge for Insured Issue Age 35 |
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Change in Death Benefit Option Fee6 |
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Guaranteed Maximum Charge |
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Change in Specified Amount Fee6 |
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Request for Additional Illustration Charge6,7 |
Upon request for more than one illustration in a |
$25.00 per illustration for each additional |
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Expedited Delivery Charge6,8 |
When express mail delivery is requested |
$50 per delivery (up to $75 for next day, a.m. delivery) adjusted for |
$15 per delivery (up to $45 for next day, a.m. delivery) |
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When a wire transfer is requested |
$50 per transfer (up to $100 for international wires) adjusted for |
$25 per transfer (up to $50 for international wires) | 1This charge was previously referred to as the “OBRA Expense Charge” or “Other Premium Expense Charge.” Due to a federal tax law change under the Omnibus Budget Reconciliation Act of 1990, as amended (“OBRA”), insurance companies are generally required to capitalize and amortize certain acquisition expenses rather than currently deduct such expenses. Due to this capitalization and amortization, the corporate income tax burden on insurance companies has been affected. This charge compensates us for the additional corporate income tax burden resulting from OBRA.2The Target Premium is a hypothetical annual premium which is based on the Specified Amount, Death Benefit option, Death Benefit Guarantee Period, any optional benefits, and characteristics of the Insured, such as factors including but not limited to Issue Age, sex, and underwriting classification. Please see “Target Premium” in the Glossary of Terms.3The initial surrender charge percentage varies by Issue Age and remains level between Policy Years one through five, and declines monthly in Policy Years six through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular Owner would pay. For more information on the surrender charge, see “Charges and Deductions – Monthly Policy Charges and Service Charges” in the Prospectus. Your Policy schedule pages will indicate the maximum charge under your Policy.4The maximum Surrender Charge assumes that the Insured has the following characteristic: Issue Ages 0-54.5The minimum Surrender Charge assumes that the Insured has the following characteristic: Issue Age 75.6Fees and charges are deducted from Contract Fund Value (see “Glossary of Terms”).7An illustration of the Policy’s future benefits and values is provided once a Policy Year at no charge upon request.8This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.9The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time of the charge, divided by the CPI for April, 2018. “CPI” means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by Northwestern Mutual to serve the same purpose.Periodic Charges (Other than Portfolio Operating Expenses)1The table below describes the fees and expenses that you will pay periodically during the time that you own the Policy other than the operating expenses for the Portfolios. Certain charges applicable to your Policy depend on your Policy Year. Please see “Policy Year” in the Glossary of Terms to help you understand how they will affect the charges applicable to your Policy.
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Guaranteed Maximum Charge |
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Cost of Insurance Charge2 |
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$83 (monthly) per $1,000 of net amount at risk |
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$0.007 (monthly) per $1,000 of net amount at risk |
$0.006 (monthly) per $1,000 net amount at risk |
Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification5 |
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$0.11 (monthly) per $1,000 of net amount at |
$0.01 (monthly) per $1,000 of net amount at risk in |
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Guaranteed Maximum Charge |
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Percent of Contract Fund Value Charge6 |
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All amounts in the Divisions: 0.00% annually (0.00% |
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Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
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Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
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Death Benefit Guarantee Charge |
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Policy Debt Expense Charge11 |
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0.71% annually (0.0592% monthly rate) of Policy 0.21% annually (0.0175% monthly rate) of Policy |
Underwriting and Issue Charge12 |
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Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
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Selected Monthly Premium Benefit Charge15 |
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The greater of $0.09 (monthly) per $1.00 of (monthly) per $1.00 of |
The greater of $0.03 (monthly) per $1.00 of Selected |
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Guaranteed Maximum Charge |
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Charge for Insured Age 0, Male, Premier Non- Tobacco underwriting classification |
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Additional Purchase Benefit Charge18 |
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$0.14 (monthly) per $1,000 of additional purchase benefit amount |
$0.03 (monthly) per $1,000 of additional purchase benefit amount |
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$0.04 (monthly) per $1,000 of additional purchase benefit amount |
$0.01 (monthly) per $1,000 of additional purchase benefit amount |
Charge for Insured, Issue Age 0, Male |
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$0.04 (monthly) per $1,000 of additional purchase benefit amount |
$0.02 (monthly) per $1,000 of additional purchase benefit |
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When you request an accelerated death benefit payment |
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| 1The charges described in this table may vary based upon one or more characteristics of the Policy, such as factors including but not limited to: Insured underwriting classification, Issue Age, sex, underwriting amount, Specified Amount, Target Premium, Policy Debt, and Policy Year (see “Charges and Deductions—Monthly Policy Charges and Service Charges” in the Prospectus for more details regarding each charge). Charges may be different if your Policy is “Paid-up” (see “Other Benefits Available Under the Policy— Paid Up Insurance” in the Prospectus). Therefore, the charges shown in the table may not be representative of the charges a particular Owner may pay. Your Policy schedule pages will indicate the Guaranteed Maximum Charge for each periodic charge under your Policy. In addition, where appropriate, all charges in the table expressed in dollars have been rounded to the nearest dollar, and all amounts that would round to zero have been rounded to the nearest penny or less, as necessary. Please request an illustration from your Financial Representative for personalized information, including the particular charges applicable to your Policy. (See “Illustrations” in the Prospectus). Unless otherwise noted, the charges in the table represent the monthly rate. Please see “Policy Anniversary” and “Policy Date” in the Glossary of Terms to help you understand how they will affect the charges applicable to your Policy.2The Cost of Insurance Charge will vary based on factors including but not limited to the Insured’s Attained Age, sex, underwriting classification, underwriting amount, and Policy Year. The Cost of Insurance Charges shown in the table may not be representative of the charges a particular Owner may pay. The net amount at risk is the difference between the Death Benefit and the Policy Value.3The Maximum Charge for the Cost of Insurance Charge assumes that the Insured has the following characteristic: Attained Age 120. Charges applicable to other combinations of Policy Year and Insured characteristics may be the same as the charge shown for the Maximum Charge for the Cost of Insurance Charge.4For the Minimum Charge for the Cost of Insurance Charge, the Current Charge assumes that the Policy is in the first Policy Year, and that the Insured has the following characteristics: Female, Issue Ages 1-10, Premier Non-Tobacco underwriting classification. For the Minimum Charge for the Cost of Insurance Charge, the Guaranteed Maximum Charge assumes that the Insured has the following characteristic: Female, Issue Ages 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of Policy Year and Insured characteristics may be the same as the charge shown for the Minimum Charge for the Cost of Insurance Charge.5The amount of the Cost of Insurance Charge is determined by multiplying the net amount at risk by the cost of insurance rate (see “Charges and Deductions” in the Prospectus). The net amount at risk is the difference between the Death Benefit (or the Guaranteed Minimum Death Benefit if the Policy is in force under the Death Benefit Guarantee) and the Policy Value. Generally, the cost of insurance rate will increase each Policy Year.6For purposes of this charge, the Contract Fund Value is as of the day previous to a Monthly Processing Date plus investment results and interest credited applicable for that Monthly Processing Date. This charge may vary based on the proportionate amount of Contract Fund Value in the NM Strength and Stability Account (see “The Fixed Option” in the Prospectus) and/or different rates may apply to amounts in the Divisions versus amounts in the NM Strength and Stability Account.7The Maximum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Age 75, Class 1 to 9 Non-Tobacco/ Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.8The Minimum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Ages 0-15, Premier, Preferred, and Standard Plus Non-Tobacco and Premier and Preferred Tobacco underwriting classification.9For the Maximum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the following characteristics: Issue Age 65, Class Preferred, Standard Plus and Class 1 to 7 Tobacco underwriting classification.10The Minimum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the following characteristics: Issue Age 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.11This charge is deducted from Contract Fund Value when there is Policy Debt and is intended to cover the costs associated with loans. This charge, that has a guaranteed maximum rate of 2%, encompasses any loan interest spread, which is the difference between the interest rate charged on policy loan amounts and the interest rate credited on amounts designated as collateral for the loan. The interest rates charged to loan amounts and credited to collateral are adjustable but are subject to a guaranteed maximum difference of 2%. When the insured is at or above Attained Age 100, the current Policy Debt Expense Charge is 0.00%. Please see “Policy Loans” in the Prospectus for more information regarding how the loan interest rate is calculated.12The current minimum Specified Amount is $100,000 for Issue Ages 18-75 and $50,000 for Issue Ages 0-17.13The Maximum Charge for the Underwriting and Issue Charge assumes that the Insured has the following characteristics: Issue Age 25, Class 1 to 9 Non- Tobacco/Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.14The Minimum Charge for the Underwriting and Issue Charge assumes that the Insured has the following characteristics: Issue Age 55, Premier, Preferred; and Standard Plus Non-Tobacco/Occasional Tobacco; Premier and Preferred Tobacco underwriting classification.15The charges for the Selected Monthly Premium Benefit vary based on the Insured’s Attained Age, underwriting classification, and “Selected Monthly Premium,” and may increase from year to year. Selected Monthly Premium is an amount the Owner selects subject to a maximum permitted amount. The charges shown in the table may not be representative of the charges a particular Owner may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the Insured, for the credit of the greater of (1) the Selected Monthly Premium or (2) the amount needed to provide for the credit of the “Specified Monthly Charges” (current Monthly Policy Charges excluding the Monthly Policy Debt Expense Charge and the charge for this benefit). (See “Other Benefits Available Under the Policy—Optional Benefits Available for a Charge” in the Prospectus for more information about this benefit.) The monthly charge for this benefit is the greater of the selected monthly premium rate times the Selected Monthly Premium or the specified monthly charges rate times the Specified Monthly Charges. If this optional benefit is selected, the maximum rates are shown in your Policy.16The Maximum Charge for the Selected Monthly Premium Benefit assumes that the Insured has the following characteristics: Attained Age 57, standard underwriting classification for Selected Monthly Premium and attained Age 59, standard underwriting classification for Specified Monthly Charges.17The Minimum Charge for the Selected Monthly Premium Benefit assumes that the Insured has the following characteristics: Attained Ages 0-17, standard underwriting classification. This assumes the amount of the charge determined by the Selected Monthly Premium is greater than the amount of the charge determined by the Specified Monthly Charges.18The charges for the Additional Purchase Benefit vary based on the Insured’s gender and Attained Age at the time the benefit is added to the Policy. The charges shown in the table may not be representative of the charges a particular Owner may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the Specified Amount and $200,000.19The Current Charge for the Maximum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Male, Benefit added at Attained Age 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Benefit added at Attained Age 38 for Male or Female.20The Current Charge for the Minimum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Female, Benefit added at Attained Age 36 and 38. The Guaranteed Maximum Charge for the Minimum Charge of the Additional Purchase Benefit Charge assumes that the Insured has the following characteristic: Male or Female, Benefit added at Attained Age 0.Annual Portfolio Operating ExpensesThe table below shows the range (minimum and maximum) of total operating expenses charged by the Portfolios that you may pay periodically during the time you own your Policy. The table below is based on information as of December 31, 2024 and may change from year to year. A complete list of the Portfolios available under your Policy, including their annual expenses, may be found at the back of this document.
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Annual Portfolio Operating Expenses (expenses deducted from Portfolio assets, including management fees, distribution (12b-1) fees, and other expenses as a percentage of average Portfolio assets) |
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Annual Portfolio Operating Expenses After Contractual Fee Waiver or Reimbursement* |
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| *The “Annual Portfolio Operating Expenses After Contractual Fee Waiver or Reimbursement” line in the above table shows the minimum and maximum fees and expenses charged by all of the Portfolios after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce Portfolio Operating Expenses and will continue until at least April 30, 2026.For more information about voluntary fee waivers that may be in place, see the “Charges and Deductions” section.
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| Transaction Expenses [Table Text Block] |
The following tables describe the fees and expenses that are payable when you buy, own, surrender or make withdrawals from the Policy. Please refer to your Policy specifications page for information about the specific fees you will pay each year based on the options you have elected.Transaction FeesThe table below describes the fees and expenses that are payable at the time that you buy the Policy, make premium payments, surrender the Policy, make withdrawals, transfer assets among investment options, or make certain changes to the Policy.
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Guaranteed Maximum Charge |
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No maximum — Charges may increase to reflect actual costs |
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Federal Deferred Acquisition Cost Charge1 |
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Upon surrender or change to paid-up insurance during the first |
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Charge for Insured Issue Age 35 |
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Change in Death Benefit Option Fee6 |
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Guaranteed Maximum Charge |
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Change in Specified Amount Fee6 |
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Request for Additional Illustration Charge6,7 |
Upon request for more than one illustration in a |
$25.00 per illustration for each additional |
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Expedited Delivery Charge6,8 |
When express mail delivery is requested |
$50 per delivery (up to $75 for next day, a.m. delivery) adjusted for |
$15 per delivery (up to $45 for next day, a.m. delivery) |
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When a wire transfer is requested |
$50 per transfer (up to $100 for international wires) adjusted for |
$25 per transfer (up to $50 for international wires) | 1This charge was previously referred to as the “OBRA Expense Charge” or “Other Premium Expense Charge.” Due to a federal tax law change under the Omnibus Budget Reconciliation Act of 1990, as amended (“OBRA”), insurance companies are generally required to capitalize and amortize certain acquisition expenses rather than currently deduct such expenses. Due to this capitalization and amortization, the corporate income tax burden on insurance companies has been affected. This charge compensates us for the additional corporate income tax burden resulting from OBRA.2The Target Premium is a hypothetical annual premium which is based on the Specified Amount, Death Benefit option, Death Benefit Guarantee Period, any optional benefits, and characteristics of the Insured, such as factors including but not limited to Issue Age, sex, and underwriting classification. Please see “Target Premium” in the Glossary of Terms.3The initial surrender charge percentage varies by Issue Age and remains level between Policy Years one through five, and declines monthly in Policy Years six through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular Owner would pay. For more information on the surrender charge, see “Charges and Deductions – Monthly Policy Charges and Service Charges” in the Prospectus. Your Policy schedule pages will indicate the maximum charge under your Policy.4The maximum Surrender Charge assumes that the Insured has the following characteristic: Issue Ages 0-54.5The minimum Surrender Charge assumes that the Insured has the following characteristic: Issue Age 75.6Fees and charges are deducted from Contract Fund Value (see “Glossary of Terms”).7An illustration of the Policy’s future benefits and values is provided once a Policy Year at no charge upon request.8This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.9The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time of the charge, divided by the CPI for April, 2018. “CPI” means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by Northwestern Mutual to serve the same purpose.
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| Sales Load, Description [Text Block] |
Sales Load
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| Sales Load, When Deducted [Text Block] |
Upon each Premium Payment
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| Sales Load (of Premium Payments), Maximum [Percent] |
6.95%
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| Sales Load, Footnotes [Text Block] |
The Target Premium is a hypothetical annual premium which is based on the Specified Amount, Death Benefit option, Death Benefit Guarantee Period, any optional benefits, and characteristics of the Insured, such as factors including but not limited to Issue Age, sex, and underwriting classification. Please see “Target Premium” in the Glossary of Terms.
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| Premium Taxes, Description [Text Block] |
Premium Tax Charge
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| Premium Taxes, When Deducted [Text Block] |
Upon each Premium Payment
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| Premium Taxes (of Premium Payments), Maximum [Percent] |
0.00%
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| Premium Taxes (of Premium Payments), Current [Percent] |
2.00%
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| Deferred Sales Charge, Description [Text Block] |
Surrender Charge3
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| Deferred Sales Charge, When Deducted [Text Block] |
Upon surrender or change to paid-up insurance during the first ten Policy Years
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| Deferred Sales Load (of Purchase Payments), Maximum [Percent] |
50.00%
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| Deferred Sales Load (of Purchase Payments), Minimum [Percent] |
13.00%
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| Deferred Sales Load, Footnotes [Text Block] |
Charge for Insured Issue Age 35 |
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| The initial surrender charge percentage varies by Issue Age and remains level between Policy Years one through five, and declines monthly in Policy Years six through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular Owner would pay. For more information on the surrender charge, see “Charges and Deductions – Monthly Policy Charges and Service Charges” in the Prospectus. Your Policy schedule pages will indicate the maximum charge under your Policy.4The maximum Surrender Charge assumes that the Insured has the following characteristic: Issue Ages 0-54.5The minimum Surrender Charge assumes that the Insured has the following characteristic: Issue Age 75.
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| Other Surrender Fees, Description [Text Block] |
Withdrawal Fee6
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| Other Surrender Fees, When Deducted [Text Block] |
Upon withdrawal
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| Other Surrender Fees, Maximum [Dollars] |
$ 25.00
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| Transfer Fees, Description [Text Block] |
Transfer Fee6
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| Transfer Fees, When Deducted [Text Block] |
Upon transfer
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| Transfer Fee, Maximum [Dollars] |
$ 25.00
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| Periodic Charges [Table Text Block] |
Periodic Charges (Other than Portfolio Operating Expenses)1The table below describes the fees and expenses that you will pay periodically during the time that you own the Policy other than the operating expenses for the Portfolios. Certain charges applicable to your Policy depend on your Policy Year. Please see “Policy Year” in the Glossary of Terms to help you understand how they will affect the charges applicable to your Policy.
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Guaranteed Maximum Charge |
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Cost of Insurance Charge2 |
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$83 (monthly) per $1,000 of net amount at risk |
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$0.007 (monthly) per $1,000 of net amount at risk |
$0.006 (monthly) per $1,000 net amount at risk |
Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification5 |
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$0.11 (monthly) per $1,000 of net amount at |
$0.01 (monthly) per $1,000 of net amount at risk in |
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Guaranteed Maximum Charge |
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Percent of Contract Fund Value Charge6 |
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All amounts in the Divisions: 0.00% annually (0.00% |
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Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
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Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
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Death Benefit Guarantee Charge |
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Policy Debt Expense Charge11 |
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0.71% annually (0.0592% monthly rate) of Policy 0.21% annually (0.0175% monthly rate) of Policy |
Underwriting and Issue Charge12 |
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Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
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Selected Monthly Premium Benefit Charge15 |
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The greater of $0.09 (monthly) per $1.00 of (monthly) per $1.00 of |
The greater of $0.03 (monthly) per $1.00 of Selected |
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Guaranteed Maximum Charge |
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Charge for Insured Age 0, Male, Premier Non- Tobacco underwriting classification |
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Additional Purchase Benefit Charge18 |
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$0.14 (monthly) per $1,000 of additional purchase benefit amount |
$0.03 (monthly) per $1,000 of additional purchase benefit amount |
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$0.04 (monthly) per $1,000 of additional purchase benefit amount |
$0.01 (monthly) per $1,000 of additional purchase benefit amount |
Charge for Insured, Issue Age 0, Male |
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$0.04 (monthly) per $1,000 of additional purchase benefit amount |
$0.02 (monthly) per $1,000 of additional purchase benefit |
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When you request an accelerated death benefit payment |
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| 1The charges described in this table may vary based upon one or more characteristics of the Policy, such as factors including but not limited to: Insured underwriting classification, Issue Age, sex, underwriting amount, Specified Amount, Target Premium, Policy Debt, and Policy Year (see “Charges and Deductions—Monthly Policy Charges and Service Charges” in the Prospectus for more details regarding each charge). Charges may be different if your Policy is “Paid-up” (see “Other Benefits Available Under the Policy— Paid Up Insurance” in the Prospectus). Therefore, the charges shown in the table may not be representative of the charges a particular Owner may pay. Your Policy schedule pages will indicate the Guaranteed Maximum Charge for each periodic charge under your Policy. In addition, where appropriate, all charges in the table expressed in dollars have been rounded to the nearest dollar, and all amounts that would round to zero have been rounded to the nearest penny or less, as necessary. Please request an illustration from your Financial Representative for personalized information, including the particular charges applicable to your Policy. (See “Illustrations” in the Prospectus). Unless otherwise noted, the charges in the table represent the monthly rate. Please see “Policy Anniversary” and “Policy Date” in the Glossary of Terms to help you understand how they will affect the charges applicable to your Policy.2The Cost of Insurance Charge will vary based on factors including but not limited to the Insured’s Attained Age, sex, underwriting classification, underwriting amount, and Policy Year. The Cost of Insurance Charges shown in the table may not be representative of the charges a particular Owner may pay. The net amount at risk is the difference between the Death Benefit and the Policy Value.3The Maximum Charge for the Cost of Insurance Charge assumes that the Insured has the following characteristic: Attained Age 120. Charges applicable to other combinations of Policy Year and Insured characteristics may be the same as the charge shown for the Maximum Charge for the Cost of Insurance Charge.4For the Minimum Charge for the Cost of Insurance Charge, the Current Charge assumes that the Policy is in the first Policy Year, and that the Insured has the following characteristics: Female, Issue Ages 1-10, Premier Non-Tobacco underwriting classification. For the Minimum Charge for the Cost of Insurance Charge, the Guaranteed Maximum Charge assumes that the Insured has the following characteristic: Female, Issue Ages 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of Policy Year and Insured characteristics may be the same as the charge shown for the Minimum Charge for the Cost of Insurance Charge.5The amount of the Cost of Insurance Charge is determined by multiplying the net amount at risk by the cost of insurance rate (see “Charges and Deductions” in the Prospectus). The net amount at risk is the difference between the Death Benefit (or the Guaranteed Minimum Death Benefit if the Policy is in force under the Death Benefit Guarantee) and the Policy Value. Generally, the cost of insurance rate will increase each Policy Year.6For purposes of this charge, the Contract Fund Value is as of the day previous to a Monthly Processing Date plus investment results and interest credited applicable for that Monthly Processing Date. This charge may vary based on the proportionate amount of Contract Fund Value in the NM Strength and Stability Account (see “The Fixed Option” in the Prospectus) and/or different rates may apply to amounts in the Divisions versus amounts in the NM Strength and Stability Account.7The Maximum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Age 75, Class 1 to 9 Non-Tobacco/ Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.8The Minimum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Ages 0-15, Premier, Preferred, and Standard Plus Non-Tobacco and Premier and Preferred Tobacco underwriting classification.9For the Maximum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the following characteristics: Issue Age 65, Class Preferred, Standard Plus and Class 1 to 7 Tobacco underwriting classification.10The Minimum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the following characteristics: Issue Age 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.11This charge is deducted from Contract Fund Value when there is Policy Debt and is intended to cover the costs associated with loans. This charge, that has a guaranteed maximum rate of 2%, encompasses any loan interest spread, which is the difference between the interest rate charged on policy loan amounts and the interest rate credited on amounts designated as collateral for the loan. The interest rates charged to loan amounts and credited to collateral are adjustable but are subject to a guaranteed maximum difference of 2%. When the insured is at or above Attained Age 100, the current Policy Debt Expense Charge is 0.00%. Please see “Policy Loans” in the Prospectus for more information regarding how the loan interest rate is calculated.12The current minimum Specified Amount is $100,000 for Issue Ages 18-75 and $50,000 for Issue Ages 0-17.13The Maximum Charge for the Underwriting and Issue Charge assumes that the Insured has the following characteristics: Issue Age 25, Class 1 to 9 Non- Tobacco/Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.14The Minimum Charge for the Underwriting and Issue Charge assumes that the Insured has the following characteristics: Issue Age 55, Premier, Preferred; and Standard Plus Non-Tobacco/Occasional Tobacco; Premier and Preferred Tobacco underwriting classification.15The charges for the Selected Monthly Premium Benefit vary based on the Insured’s Attained Age, underwriting classification, and “Selected Monthly Premium,” and may increase from year to year. Selected Monthly Premium is an amount the Owner selects subject to a maximum permitted amount. The charges shown in the table may not be representative of the charges a particular Owner may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the Insured, for the credit of the greater of (1) the Selected Monthly Premium or (2) the amount needed to provide for the credit of the “Specified Monthly Charges” (current Monthly Policy Charges excluding the Monthly Policy Debt Expense Charge and the charge for this benefit). (See “Other Benefits Available Under the Policy—Optional Benefits Available for a Charge” in the Prospectus for more information about this benefit.) The monthly charge for this benefit is the greater of the selected monthly premium rate times the Selected Monthly Premium or the specified monthly charges rate times the Specified Monthly Charges. If this optional benefit is selected, the maximum rates are shown in your Policy.16The Maximum Charge for the Selected Monthly Premium Benefit assumes that the Insured has the following characteristics: Attained Age 57, standard underwriting classification for Selected Monthly Premium and attained Age 59, standard underwriting classification for Specified Monthly Charges.17The Minimum Charge for the Selected Monthly Premium Benefit assumes that the Insured has the following characteristics: Attained Ages 0-17, standard underwriting classification. This assumes the amount of the charge determined by the Selected Monthly Premium is greater than the amount of the charge determined by the Specified Monthly Charges.18The charges for the Additional Purchase Benefit vary based on the Insured’s gender and Attained Age at the time the benefit is added to the Policy. The charges shown in the table may not be representative of the charges a particular Owner may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the Specified Amount and $200,000.19The Current Charge for the Maximum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Male, Benefit added at Attained Age 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Benefit added at Attained Age 38 for Male or Female.20The Current Charge for the Minimum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Female, Benefit added at Attained Age 36 and 38. The Guaranteed Maximum Charge for the Minimum Charge of the Additional Purchase Benefit Charge assumes that the Insured has the following characteristic: Male or Female, Benefit added at Attained Age 0.
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| Insurance Cost, Description [Text Block] |
Cost of Insurance Charge2
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| Insurance Cost, When Deducted [Text Block] |
Monthly, on each Monthly Processing Date
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| Insurance Cost, Representative Investor [Text Block] |
Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification5 |
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$0.11 (monthly) per $1,000 of net amount at |
$0.01 (monthly) per $1,000 of net amount at risk in |
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| Insurance Cost (of Face Amount), Maximum [Percent] |
83.00%
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| Insurance Cost (of Face Amount), Minimum [Percent] |
0.006%
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| Insurance Cost, Footnotes [Text Block] |
The Cost of Insurance Charge will vary based on factors including but not limited to the Insured’s Attained Age, sex, underwriting classification, underwriting amount, and Policy Year. The Cost of Insurance Charges shown in the table may not be representative of the charges a particular Owner may pay. The net amount at risk is the difference between the Death Benefit and the Policy Value.3The Maximum Charge for the Cost of Insurance Charge assumes that the Insured has the following characteristic: Attained Age 120. Charges applicable to other combinations of Policy Year and Insured characteristics may be the same as the charge shown for the Maximum Charge for the Cost of Insurance Charge.4For the Minimum Charge for the Cost of Insurance Charge, the Current Charge assumes that the Policy is in the first Policy Year, and that the Insured has the following characteristics: Female, Issue Ages 1-10, Premier Non-Tobacco underwriting classification. For the Minimum Charge for the Cost of Insurance Charge, the Guaranteed Maximum Charge assumes that the Insured has the following characteristic: Female, Issue Ages 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of Policy Year and Insured characteristics may be the same as the charge shown for the Minimum Charge for the Cost of Insurance Charge.5The amount of the Cost of Insurance Charge is determined by multiplying the net amount at risk by the cost of insurance rate (see “Charges and Deductions” in the Prospectus). The net amount at risk is the difference between the Death Benefit (or the Guaranteed Minimum Death Benefit if the Policy is in force under the Death Benefit Guarantee) and the Policy Value. Generally, the cost of insurance rate will increase each Policy Year.
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| Expense Risk Fees, Description [Text Block] |
Specified Amount Charge
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| Expense Risk Fees, When Deducted [Text Block] |
Monthly, on each Monthly Processing Date during the first ten Policy Years
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| Expense Risk Fees, Representative Investor [Text Block] |
Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
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| Expense Risk Fees (of Face Amount), Maximum [Percent] |
1.375%
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| Expense Risk Fees (of Face Amount), Minimum [Percent] |
1.021%
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| Expense Risk Fees, Footnotes [Text Block] |
For the Maximum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the following characteristics: Issue Age 65, Class Preferred, Standard Plus and Class 1 to 7 Tobacco underwriting classification.10The Minimum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the following characteristics: Issue Age 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.
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| Mortality and Expense Risk Fees, Description [Text Block] |
Percent of Contract Fund Value Charge6
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| Mortality and Expense Risk Fees, When Deducted [Text Block] |
Monthly, on each Monthly Processing Date
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| Mortality And Expense Risk Fees (of Face Amount), Maximum [Percent] |
0.05%
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| Mortality And Expense Risk Fees (of Face Amount), Current [Percent] |
0.00%
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| Mortality And Expense Risk Fees, Footnotes [Text Block] |
For purposes of this charge, the Contract Fund Value is as of the day previous to a Monthly Processing Date plus investment results and interest credited applicable for that Monthly Processing Date. This charge may vary based on the proportionate amount of Contract Fund Value in the NM Strength and Stability Account (see “The Fixed Option” in the Prospectus) and/or different rates may apply to amounts in the Divisions versus amounts in the NM Strength and Stability Account.
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| Administrative Expenses, Description [Text Block] |
Administrative Charge
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| Administrative Expenses, When Deducted [Text Block] |
Monthly, on each Monthly Processing Date
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| Administrative Expenses, Representative Investor [Text Block] |
Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
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| Administrative Expense, Maximum [Dollars] |
$ 33
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| Administrative Expense, Current [Dollars] |
16
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| Administrative Expense, Minimum [Dollars] |
$ 7
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| Administrative Expense, Footnotes [Text Block] |
The Maximum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Age 75, Class 1 to 9 Non-Tobacco/ Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.8The Minimum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Ages 0-15, Premier, Preferred, and Standard Plus Non-Tobacco and Premier and Preferred Tobacco underwriting classification.
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| Annual Portfolio Company Expenses [Table Text Block] |
Annual Portfolio Operating ExpensesThe table below shows the range (minimum and maximum) of total operating expenses charged by the Portfolios that you may pay periodically during the time you own your Policy. The table below is based on information as of December 31, 2024 and may change from year to year. A complete list of the Portfolios available under your Policy, including their annual expenses, may be found at the back of this document.
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Annual Portfolio Operating Expenses (expenses deducted from Portfolio assets, including management fees, distribution (12b-1) fees, and other expenses as a percentage of average Portfolio assets) |
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Annual Portfolio Operating Expenses After Contractual Fee Waiver or Reimbursement* |
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| *The “Annual Portfolio Operating Expenses After Contractual Fee Waiver or Reimbursement” line in the above table shows the minimum and maximum fees and expenses charged by all of the Portfolios after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce Portfolio Operating Expenses and will continue until at least April 30, 2026.For more information about voluntary fee waivers that may be in place, see the “Charges and Deductions” section.
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| Portfolio Company Expenses [Text Block] |
Annual Portfolio Operating Expenses (expenses deducted from Portfolio assets, including management fees, distribution (12b-1) fees, and other expenses as a percentage of average Portfolio assets)
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| Portfolio Company Expenses Minimum [Percent] |
0.21%
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| Portfolio Company Expenses Maximum [Percent] |
2.73%
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| Item 5. Principal Risks [Table Text Block] |
Risks of the PolicyPolicy for Long-Term Protection Your Policy is designed to serve your long-term life insurance protection need. It is not suitable for short-term life insurance protection nor for short-term investing. Surrender charges apply in the first 10 Policy Years and the value of your Policy and Life Insurance Benefit will be reduced if you withdraw money. In addition, short-term investment in the Policy may subject you to income taxes and tax penalties.Investment Risk Policy amounts in the Divisions will fluctuate with the performance of the Portfolios you choose. Amounts you allocate among the Divisions may grow in value, decline in value, or grow less than you expect depending on the investment performance of the corresponding Portfolios. These assets are not guaranteed, and you can lose money. Depending on any Death Benefit Guarantee in effect, you may be required to pay more premiums than originally planned in order to keep the Policy in force. A comprehensive discussion of the investment objectives and risks of each Portfolio may be found in each Portfolio’s prospectus. There is no assurance that any Portfolio will achieve its stated investment objective. The Policy is not designed for frequent or short-term trading. Insurance Default Risk Because certain guarantees under the Policy are guaranteed by the Company’s General Account assets, the ability to make good on these guarantees depends on the financial strength and claims-paying ability of the Company. Therefore, guaranteed benefits outside of the Separate Account, including any available fixed options, are subject to the risk of default to the extent the Company is unable to satisfy some or all of these guarantees. Policy Lapse Insufficient Premium Payments, poor investment results, withdrawals, unpaid loans, or loan interest may cause your Policy to lapse, meaning you will no longer have any life insurance coverage. If, on a Monthly Processing Date, the Cash Surrender Value (which takes into account any applicable surrender charge) is not enough to pay the Monthly Policy Charge, your Policy will enter a 61-day grace period, unless the Death Benefit Guarantee is in effect. If your Policy enters a grace period, we will notify you that the Policy will lapse (terminate without value) at the end of the grace period unless you make a sufficient payment. Your Policy may be reinstated within three years (or longer if required by state law) after it has lapsed, subject to certain conditions. Policy Loan Risks A Policy loan, whether or not repaid, will affect the value of your Policy over time because the amounts borrowed do not participate in the investment performance of the Divisions; in addition, a charge is deducted from your Contract Fund Value each month while there is Policy Debt. The Life Insurance Benefit is reduced by the amount of any outstanding Policy Debt. If you surrender the Policy or allow it to lapse while Policy Debt is outstanding, the amount of Policy Debt is extinguished by applying the Policy Value to repay it. If the Policy Debt exceeds the cost basis in the contract, we are required to report the extinguishment to you and the IRS on an IRS Form 1099-R. Policy Debt reduces the Cash Surrender Value and increases the risk that your Policy will lapse. Limitations on Access to Your Values Accessing your Policy’s value may have tax consequences. We will deduct a surrender charge if you surrender your Policy in the first ten Policy Years. Even if your Policy has value, it is possible that you will receive no Cash Surrender Value if you surrender the Policy in the first ten Policy Years. You should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of your Policy in the near future. Even if you do not ask to surrender the Policy, surrender charges may play a role in determining whether the Policy will lapse, because surrender charges affect the Cash Surrender Value, which is a measure we use to determine whether your Policy will enter a grace period (and possibly lapse). See “Policy Lapse” above. You may make withdrawals subject to limitations on the amount that may be withdrawn. (See “Withdrawals”). A withdrawal will reduce the Contract Fund Value and Life Insurance Benefit. The minimum amount of a withdrawal is $250.
Amounts allocated to the NM Strength and Stability Account cannot be transferred to the Divisions. As a result, you should carefully consider whether this option meets your investment needs.Adverse Tax Consequences Our understanding of the principal tax considerations for the Policy under current tax law is set forth in this Prospectus. A surrender, loan, or withdrawal may have tax consequences. There are areas of some uncertainty under current law, and we do not address the likelihood of future changes in the law or interpretations thereof. Among other risks, your Policy may become a modified endowment contract. A modified endowment contract (“MEC”) is a life insurance contract that is taxed less favorably on lifetime distributions than other life insurance contracts because the contract is considered too investment oriented. Generally, a Policy may be classified as a MEC if cumulative premiums paid during a seven-pay period exceed a “seven-pay” limit defined in the Internal Revenue Code (“Code”). Distributions, including loans, from a Policy classified as a MEC are taxable to the extent of the gain in the Policy and may be subject to a 10% penalty tax if taken before the Owner attains age 59½. Moreover, excessive Policy loans could cause a Policy to terminate with insufficient value to pay the tax due upon termination. Death Benefit proceeds may be subject to state and/or inheritance taxes. (See “Tax Considerations.”)Risk of an Increase in Current Fees and Expenses Certain insurance charges are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the guaranteed maximum levels, based on the Company’s emerging experience or future expectations, as determined in its sole discretion, with respect to, but not limited to, mortality, expenses, reinsurance costs, taxes, persistency, capital requirements, reserve requirements, and changes in applicable laws. Although some Funds may have expense limitation agreements, the operating expenses of the Portfolios are not guaranteed and may increase or decrease over time. If fees and expenses are increased, you may need to increase the amount and/or frequency of Premium Payments to keep the Policy in force.Cybersecurity and Certain Business Continuity Risks The Company has administrative, technical and physical safeguards in place with respect to information security, nevertheless, our variable product business is potentially susceptible to operational and information security risks resulting from a cyber-attack as it is highly dependent upon the effective operation of our computer systems and those of our business partners. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service on websites and other operational disruption and unauthorized release of confidential customer information. Cyber-attacks affecting us, the Portfolios, intermediaries and other affiliated or third-party service providers may adversely affect us and your Policy Value. For instance, cyber-attacks may interfere with our processing of contract transactions (including the processing of orders through our website, if available, or with the Portfolios), impact our ability to calculate values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). There can be no assurance that we or the Portfolios or our service providers will avoid losses affecting your Policy due to cyber-attacks or information security breaches in the future.Other disruptive events, including (but not limited to) natural or man-made disasters and public health crises or pandemics, may also adversely affect our ability to conduct business, including if our employees or the employees of intermediaries or other affiliated or third-party service providers are unable to perform their responsibilities as a result of any such event. Such disruptions to our business operations can interfere with issuance or our processing of transactions (including the processing of orders through our website or with the Portfolios), may interfere with our ability to receive, pickup and process mail and messages, impact our ability to calculate values, or cause other operational or system issues. Furthermore, these disruptions may persist even if our employees or the employees of intermediaries or other affiliate or third-party service providers are able to work remotely. These events may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. There can be no assurance that the Company, the Portfolios or our service providers will avoid losses affecting your Policy due to a disaster or other catastrophe.Privacy Risks Variable life insurance policies face significant privacy risks, including cyberattacks and unauthorized access and use of sensitive personal and financial data, which can lead to identity theft and financial fraud. Northwestern Mutual ensures employees receive training on privacy protocols and data minimization practices in addition to implementing robust data protection measures to mitigate these risks and maintain strict compliance with privacy regulations.
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| Item 10. Standard Death Benefits (N-6) [Table Text Block] |
Death BenefitLife Insurance Benefit As long as your Policy is in force, we will pay the Life Insurance Benefit to your beneficiary or beneficiaries once we receive at our Home Office satisfactory proof of the Insured's death, subject to the limitations stated in the Policy or imposed by law. We will pay the Life Insurance Benefit either in a lump sum or, at your option or the option of your beneficiary, by establishing a fixed Income Plan in the beneficiary’s name. (See “Other Benefits Available Under the Policy— Income Plans.”) Payments under these plans are from our General Account and are subject to the claims of our creditors. Owners must look to the financial strength of the Company and its General Account with regard to guarantees under the Policy.Subject to applicable provisions of the policy (e.g., misstatements), the amount of the Life Insurance Benefit will be:●the Death Benefit, or the Guaranteed Minimum Death Benefit if the Policy is in force under the Death Benefit Guarantee; minus●the amount of any Policy Debt; minus●the amount of any adjustments to the Life Insurance Benefit where (i) the Death Benefit Guarantee is keeping the Policy in force and the Insured dies during the Death Benefit Guarantee Grace Period or (ii) the Insured dies during a Policy Grace Period. (See “Death Benefit Guarantee Grace Period” and “Termination and Reinstatement”).These amounts will be determined as of the date of the Insured's death. Even though the Owner does not have the right to take any Policy loans or withdrawals after the date of the Insured's death, any Policy loans or withdrawals that are taken after the date of the Insured's death will be deducted from the Life Insurance Benefit.We will pay the Life Insurance Benefit to the beneficiary if he or she survives the Insured and is alive on the date of payment. (See “Other Policy Provisions—Naming a Beneficiary”). If no Income Plan is elected, we will pay interest on the Life Insurance Benefit from the date of the Insured’s death based on rates declared by the Company or as required by applicable state law. The investment performance of the Portfolios, as well as the charges and expenses under your Policy, may decrease your Death Benefit.The Company will usually mail the proceeds of your Life Insurance Benefit within seven days after we receive all satisfactory proof of death at our Home Office. However, we may postpone payment after proof of death whenever the NYSE is closed or restricted (other than on customary weekend and holidays) or if the SEC permits such a delay by rule, order or declaration. During any such postponement, proceeds will be held in our General account and are subject to the claims of our creditors.Death Benefit Options The Death Benefit before the Policy Anniversary nearest the Insured’s 121st birthday is determined by the Death Benefit option in effect at the time of the Insured’s death. The Death Benefit on and after the Policy Anniversary nearest the Insured’s 121st birthday will be equal to the Policy Value. If you select the Death Benefit Guarantee option with a lifetime period and the guarantee has not previously terminated, then the Death Benefit on and after the Policy Anniversary nearest the Insured’s 121st birthday will be the greater of the Policy Value or the Guaranteed Minimum Death Benefit.The Policy provides for three Death Benefit options:●Option A—the greater of the Specified Amount or the Minimum Death Benefit;●Option B—the greater of the Specified Amount plus Policy Value or the Minimum Death Benefit; or●Option C—the greater of the Specified Amount plus Cumulative Premiums minus Cumulative Withdrawals or the Minimum Death Benefit.All three death benefit options may not be available in all states. We calculate the amount available under the applicable Death Benefit option as of the date of the Insured’s death. You must elect a Death Benefit option at issue or your application will be deemed not in Good Order, in which case either we or your Financial Representative may notify you in an effort to conform your application to our then-current requirements.The option you choose on your Application will generally depend on whether you prefer an increasing Death Benefit or a larger Policy Value, but in each case the Death Benefit will be at least the Minimum Death Benefit required for your Policy to qualify as life insurance under the Code. For purposes of Option C, cumulative Premium Payments do not include amounts credited to the Policy under the Selected Monthly Premium Benefit.Minimum Death Benefit The Minimum Death Benefit is the amount required by federal tax law to maintain the Policy as a life insurance contract. Under any of the Death Benefit options, we will increase the Death Benefit if necessary to satisfy this requirement.A Policy must satisfy one of two testing methods to qualify as life insurance for federal income tax purposes. You may choose either the Guideline Premium/Cash Value Corridor Test or the Cash Value Accumulation Test. Both tests require the Policy’s Death Benefit to equal or exceed a defined relationship to, or multiple of, the Policy Value. You make the choice of testing methods when you purchase a Policy and it cannot be changed.For the Guideline Premium/Cash Value Corridor Test the minimum multiples of Death Benefit to the Policy Value are shown in the following table.Guideline Premium/Cash Value—Corridor Test Multiples
For the Cash Value Accumulation Test, the minimum multiples of Death Benefit to the Policy Value are calculated using net single premiums based on the Attained Age of the Insured, the Policy’s underwriting classification and an interest rate that is the greater of the rate or rates guaranteed at issue under the Policy or the applicable accumulation test interest rate as defined in Internal Revenue Code section 7702 (currently 2%). An adjustment to the net single premium is made for certain kinds of optional benefits, if any. Generally, the Guideline Premium/Cash Value Corridor Test has lower minimum multiples than the Cash Value Accumulation Test. This means that, given the same Policy Value, the minimum Death Benefit permissible by federal income tax law may be greater under the Cash Value Accumulation test than under the Guideline Premium/Cash Value Corridor Test. The Guideline Premium/Cash Value Corridor Test limits the amount of Premium Payment that may be paid in each Policy Year. Generally, the Cash Value Accumulation Test has no such annual limitation and, therefore, may allow more Premium Payments to be paid during the early Policy Years.Changing Death Benefit Options You may change the Death Benefit option at any time while the Policy is in force, upon written request and subject to our approval. Death Benefit option changes are subject to our insurability requirements and issue limits. In addition, we will not permit a change if it is not allowed in your state or if it would result in either (i) your Policy being disqualified as a life insurance contract under federal tax law, or (ii) a Specified Amount less than the minimum Specified Amount we require for issuance of a new Policy at the time of the change. A Death Benefit option change may affect the Policy Value and Specified Amount, and also result in changes to, or termination of, the Death Benefit Guarantee. The Cost of Insurance Charge will increase if a change results in a larger net amount at risk. (See “Charges and Deductions – Monthly Policy Charges and Service Charges”). A Death Benefit option change results in the same net amount at risk at the time of the change, but may result in a larger net amount at risk over time than had the change not occurred. For example, a change from Death Benefit Option A to Option B should result in moving from a net amount at risk that would decline over time (assuming increasing Policy Value) to a net amount at risk that would remain level over time. Changing the Death Benefit option may have tax consequences. (See “Tax Considerations”).If your request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, a change in the Death Benefit option will be effective on that date. If the written request is not received on a Monthly Processing Date, or is received on or after the close of trading on a Monthly Processing Date, it will be effective on the next Monthly Processing Date. We reserve the right to charge for a Death Benefit option change (See “Charges and Deduction—Monthly Policy Charges and Service Charges”).Death Benefit Guarantee The Policy offers an optional Death Benefit Guarantee Period elected at issue. Your Policy may also be eligible for Death Benefit Guarantee Premium Suspension. See “Other Benefits Available Under the Policy” for more information about these benefits.
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| Item 11. Other Benefits Available (N-6) [Text Block] |
Other Benefits Available Under the PolicyIn addition to the standard death benefits associated with your Policy, other standard and/or optional benefits may also be available to you. The following table(s) summarize information about those benefits. If applicable, information about the fees associated with each benefit included in the table may be found in the Fee and Expense Tables.
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Is Benefit Standard or Optional |
Brief Description of Limitations/Restrictions |
Waiver Benefit: Selected Monthly Premium Benefit |
For an Insured who has become totally disabled the company will make minimum premium payments equal to or greater than monthly charges without |
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●Not available for all ages or underwriting classifications ●The insured must become totally disabled while this benefit is in force, the disability must result from an accident or sickness, and the disability must last for at least six months ●There is a charge for this benefit |
Additional Purchase Benefit |
Allows the Owner to purchase additional life insurance policies on the life of the Insured without proof of insurability |
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●Not available for all ages or underwriting classifications ●There is a charge for this benefit |
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terminate due to insufficient value in your Policy |
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●Must be elected at issue ●Monthly charges will reduce the during the guarantee period, which may eventually result in termination ●There is a charge for this benefit |
Death Benefit Guarantee Premium Suspension |
Allows for the suspension of required premiums |
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●May expire earlier than your next under certain circumstances (i.e., “retest events”) |
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surrender proceeds may be payable in a monthly (or less frequent) payments over a period of time |
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●Must be selected Direct or Contingent Benificiary ●Payments are subject to fixed rates and not investment performance of the |
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Is Benefit Standard or Optional |
Brief Description of Limitations/Restrictions |
Exchange for a Fixed Benefit Policy |
Allows you to exchange your Policy for a life insurance policy with benefits that do not vary with the investment experience of the underlying |
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●Requires premium payments be paid ●There may be a cost associated with exchange ●Exchange may have tax consequences |
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Under certain conditions allows the Owner to change the Policy to a policy free of minimum premium payment obligations |
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●Must be selected ●Election is irrevocable charges continue ●When in force as no additional premium is allowed option will be irrevocably changed and you may not add optional benefits to |
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On a monthly basis, automatically transfers a specific amount from the Government Money selected |
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●Must be selected not included in dollar cost averaging |
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Automatically rebalances the Divisions you select (either monthly, quarterly, semi-annually or annually) to maintain your chosen allocations |
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●Must be selected not included in portfolio rebalancing |
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Allocation models are available that comprise a combination of Divisions representing various asset classes with various levels of risk tolerance. |
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●Must be selected ●Only one model is available at a time ●Models are “static” which means the percentage allocations among the Divisions under a Model will not change. Therefore make an affirmative election to change models ●Available models may change in the future |
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Is Benefit Standard or Optional |
Brief Description of Limitations/Restrictions |
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If the insured is eligible for a terminal illness benefit, the company will pay a one-time lump sum to the owner. The amount paid is the requested death benefit less interest, administration fees, loan adjustment and any required premium due. |
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●The terminal illness benefit paid is less than the requested death benefit ●Available on or about July 1, 2025 ●There is a charge for this benefit | Optional Benefits Available for a ChargeThere are currently three optional benefits available for purchase under the Policy:(1)the Waiver Benefit: Selected Monthly Premium Benefit;(2)the Additional Purchase Benefit; and(3)the Death Benefit GuaranteeThe Selected Monthly Premium Benefit may be elected at any time while the Insured is between Attained Ages 0 and 59. The Additional Purchase Benefit may be elected while the Insured is between Attained Ages 0 and 40. If the Owner seeks to add an optional benefit after the Policy has been issued, the addition of the benefit will be subject to the Company’s then-current underwriting standards. These optional benefits are not available for all Attained Ages and underwriting classifications. The Death Benefit Guarantee must be elected at issue.If you select one or more of these optional benefits, a charge for the benefit will be added to the Monthly Policy Charge. (See “Periodic Charges Other than Fund Operating Expenses”). Any such charge will continue to be assessed as long as the benefit remains in force, except that charges for the Selected Monthly Premium Benefit will be waived when the Insured is totally disabled, subject to the terms and conditions of the benefit. Once the Policy has been issued, the optional benefits above (other than the Death Benefit Guarantee) may be added to the Policy, subject to the Company’s insurability requirements and other rules. If the written request to terminate the optional benefits (other than the Death Benefit Guarantee) is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the request will be effective on that date. If the request is not received on a Monthly Processing Date, or is received on or after the close of trading on the NYSE, it will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements. Selected Monthly Premium Benefit Subject to applicable terms and conditions, the Selected Monthly Premium Benefit shall be the greater of (1) a premium amount selected by the Owner subject to Company limitations (e.g. the range of dollar amounts which at a minimum maintain the Policy or at a maximum reach the Company’s then-current Premium waiver limits), or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured, if the total disability is due to accident or sickness and it begins on or before the Policy Anniversary nearest the Insured’s 60th birthday. If the total disability begins after the Policy Anniversary nearest the Insured’s 60th birthday, the benefit provides for a credit of the greater of (1) premium amount selected by the Owner subject to Company limitations, or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured until the Policy Anniversary nearest the Insured’s 65th birthday.A total disability is one in which the Insured is unable to perform the substantial and material duties of an occupation. For the first 24 months of total disability, an occupation is the one that the Insured has at the time the Insured becomes disabled. After 24 months, an occupation also includes one for which the Insured is reasonably qualified by education, training or experience. To be covered, the total disability must begin while the benefit is in force; the total disability must result from an accident or sickness; and the total disability must last for at least six consecutive months. The Company will determine the existence of total disability based on the proof of claim submitted and other information gathered by the Company. This Optional Benefit is not available to be added to the Policy if, on the date the Optional Benefit is requested, the Insured is totally disabled, or, as noted above, the Attained Age or underwriting classification of the Insured is outside the range within which the Company offers these Optional Benefits, or should these Optional Benefits become unavailable in your state of issue.The Selected Monthly Premium Benefit terminates on the earliest of: (1) the Policy Anniversary that is nearest the 65th birthday of the Insured unless the Insured became totally disabled prior to the Policy Anniversary that is nearest the 60th birthday of the Insured; (2) when the Policy terminates; (3) when the Policy becomes Paid-Up insurance; or (4) when the Owner’s written request to terminate the benefit is received at our Home Office.The amounts credited under the Selected Monthly Premium Benefits are treated as Premium Payments subject to the terms of the Policy, except that if the Policy has Death Benefit Option C, then the amounts credited under these benefits will not be included in the cumulative Premium Payments that are used in the calculation of the Death Benefit. The amounts credited under this benefit are subject to the same transaction fees as any other Premium Payment. (See “Charges and Deductions—Premium Expense Charges”).Example: John Doe, age 57, lost his right hand in a car accident and became totally disabled from his job as a roof tiler. John’s policy has a Selected Monthly Premium Benefit with a selected monthly premium amount of $7,000. Afterward, on a particular monthly processing date, John’s monthly policy charges total $5,000. John’s Selected Monthly Premium Benefit will credit $7,000 into the policy on that monthly processing date.Additional Purchase Benefit Subject to the terms and conditions of the benefit, the Additional Purchase Benefit gives the Owner the right to purchase additional life insurance policies on the life of the Insured up to Attained Age 40 at specified dates without proof of insurability. This optional benefit terminates on the Policy Anniversary nearest the 40th birthday of the Insured. It will terminate earlier: (1) when the Policy terminates; (2) when the Policy becomes Paid-Up insurance; (3) on the use of the final purchase right under the benefit; or (4) when the Owner’s written request to terminate the benefit is received at our Home Office.Example: Jane Doe, age 28, is the owner and insured of her policy and decides she wants an additional $50,000 of life insurance. Jane purchases her policy without the Company requiring evidence of insurability.Death Benefit Guarantee The Policy offers a Death Benefit Guarantee Period elected at issue. The Death Benefit Guarantee Period is optional and is elected on the application and established at issue by the applicant. A Death Benefit option change may result in changes to, or termination of, the Death Benefit Guarantee. There is a charge for the Death Benefit Guarantee (see “Fee and Expense Tables–Periodic Charges” and “Charges and Deductions–Monthly Policy Charges and Service Charges”). The Death Benefit Guarantee Period is shown on the Policy schedule pages. The Death Benefit Guarantee is available to protect the Policy from terminating during the Death Benefit Guarantee Period so long as the Death Benefit Guarantee Test is met. (See “Death Benefit Guarantee Test”). The Death Benefit Guarantee keeps the Policy in force when the Policy does not have enough Cash Surrender Value to pay the current Monthly Policy Charge and the Policy would otherwise terminate without value. (See “Termination and Reinstatement”). Please note that certain allocation or transfer restrictions may be affected by whether or not your Death Benefit Guarantee is active. (See “The Fixed Option-Restrictions on Amounts in the SAS Account and Government Money Market Division.”)When the Policy does not have sufficient Cash Surrender Value to pay the current Monthly Policy Charge and is being kept in force by the Death Benefit Guarantee, the Monthly Policy Charges will first reduce the Contract Fund Value, if any, to zero and will then accumulate as due and unpaid. Then, when you make a Premium Payment, we will deduct accumulated due and unpaid Monthly Policy Charges from Contract Fund Value. At the end of the Death Benefit Guarantee Period, if the Cash Surrender Value is less than the current Monthly Policy Charges, the Policy will enter the Policy Grace Period and an additional Premium Payment will be required to keep the Policy in force. (See “Termination and Reinstatement”).If the Policy is being kept in force by the Death Benefit Guarantee when the Insured dies, the gross amount of death proceeds will be the Guaranteed Minimum Death Benefit (“GMDB”) regardless of the Death Benefit option in effect. On the Date of Issue the GMDB equals the Specified Amount. After the Date of Issue, if there is a Policy change that changes the Specified Amount, including a Death Benefit option change, then the GMDB will equal the lessor of the current GMDB or the new Specified Amount.During the Death Benefit Guarantee Period, the Death Benefit Guarantee keeps the Policy from terminating, provided that the Death Benefit Guarantee Test is met. Unless the Death Benefit Guarantee was previously terminated, the Death Benefit Guarantee Test will be performed on each Monthly Processing Date during the Death Benefit Guarantee Period or until the Policy Anniversary nearest the Insured’s 121st birthday, if sooner. If the Death Benefit Guarantee Test is not met on a Monthly Processing Date, the Death Benefit Guarantee will enter a Death Benefit Guarantee Grace Period. The Death Benefit Guarantee Test is met provided that:(1)on the current Monthly Processing Date, (a) is greater than or equal to (b) where:(a)is the cumulative Premium Payments minus the sum of the following:●the cumulative withdrawals; and●principal loan balance (See “Policy Loans”); and(b)is the cumulative Death Benefit Guarantee Premiums for the current Monthly Processing Date;AND(2)the Death Benefit Guarantee Test has been met on all prior Monthly Processing Dates, and has not previously been terminated due to a loan or withdrawal causing the test to not be met.The Death Benefit Guarantee Test will be deemed to have been met on all prior Monthly Processing Dates during a Death Benefit Guarantee Grace Period if the required payment is paid prior to the expiration of the Death Benefit Guarantee Grace Period.Termination of Death Benefit Guarantee For Failure to Meet the Death Benefit Guarantee Test If on a Monthly Processing Date the Death Benefit Guarantee Test is not met, you will have 61 days to make an additional payment to keep the Death Benefit Guarantee, provided the Death Benefit Guarantee Period is not already scheduled to expire during that 61-day period. The Death Benefit Guarantee Grace Period will begin on the date we send you written notice of the amount of payment you must make. The minimum payment that you must make will be the amount necessary to meet the Death Benefit Guarantee Test at the end of the Death Benefit Guarantee Grace Period.The Death Benefit Guarantee will continue during the Death Benefit Guarantee Grace Period, terminating at the end of such period if you do not make the required payment. If you do not make the required payment, you will not be able to reinstate the Death Benefit Guarantee.When the Death Benefit Guarantee terminates, the Policy will still remain in force provided the Cash Surrender Value on the Monthly Processing Date is greater than the Monthly Policy Charges. If, however, this requirement is not met, the Policy will enter the Policy Grace Period, during which time you may still avoid termination of your Policy provided you make sufficient payments to keep your Policy in force. (See “Termination and Reinstatement”). If the Insured dies during the Death Benefit Guarantee Grace Period and the Death Benefit Guarantee is keeping the Policy in force, we will deduct from the Life Insurance Benefit the amount of the payment required to meet the Death Benefit Guarantee Test as of the last Monthly Processing Date preceding or on the date of death of the Insured.Example: John Doe elected a ten-year Death Benefit Guarantee Period when he purchased his policy and has met his Death Benefit Guarantee Test every month. On a monthly processing date in the eighth year, John’s policy has the following characteristics:Cash Surrender Value = $80
Monthly Policy Charges = $100
Cumulative Premiums to date = $20,000
Cumulative Withdrawals to date = $1,000
Principal Loan Balance = $0
Cumulative Monthly Death Benefit Guarantee Premiums = $18,000John’s policy does not have enough cash surrender value to cover monthly policy charges and would normally enter the policy grace period and eventually terminate. However, John’s policy does not enter the policy grace period because his cumulative premium amount (less withdrawals and loans) ($20,000 - $1,000 = $19,000) is greater than his cumulative monthly Death Benefit Guarantee Premium amount ($18,000), which was an amount determined when John purchased the policy. Amounts needed to cover the outstanding charges are deducted from the value of John’s policy.Death Benefit Guarantee Premium Suspension Your Policy may be eligible for Death Benefit Guarantee Premium Suspension as indicated on your Policy schedule pages. Death Benefit Guarantee Premium Suspension is tested on the month prior to your next Policy Anniversary. It sets the Death Benefit Guarantee Monthly Premium to zero beginning on the next Monthly Processing Date until the next Policy Anniversary (or earlier if a “Retest Event” occurs), so long as the Death Benefit Guarantee is active (and not in a Death Benefit Grace Period) and the Contract Fund Value is greater than or equal to the amount shown on the Table of Amounts for Determining Death Benefit Guarantee Premium Suspension (“Premium Suspension Table”) for a particular Monthly Processing Date shown in your Policy. A Retest Event is defined as a withdrawal, a Policy loan, a failure to pay accrued loan interest when due, or a change by the Owner to the terms of the Policy that could result in an increase in the Company’s risk under the Policy. If a Retest Event occurs, the Death Benefit Guarantee Premium Suspension will continue so long as immediately after the Retest Event the Death Benefit Guarantee Test is met and the Contract Fund Value is greater than or equal to the amount shown in the Premium Suspension Table for the Monthly Processing Date adjusted proportionately for any reduction to the Guaranteed Minimum Death Benefit resulting from the Retest Event.Example: Jane Doe elected a ten-year Death Benefit Guarantee Period when she purchased her policy and has met her Death Benefit Guarantee Test every month. On the monthly processing date prior to her eighth policy anniversary, Jane’s policy had the following characteristics:Cumulative Premiums to date = $50,000
Cumulative Monthly Death Benefit Guarantee Premiums = $20,000
Contract Fund Value = $90,000
Death Benefit Guarantee Premium Suspension Amount = $85,000Because the Contract Fund Value of Jane’s policy is greater than the Death Benefit Guarantee premium suspension amount shown in her policy, her policy passes the Death Benefit Guarantee Premium Suspension test and her monthly Death Benefit Guarantee premium amount is reduced to $0, meaning she will continue to pass the monthly Death Benefit Guarantee test until the earlier of her next Policy Anniversary or a Retest Event.Standard Benefits Available At No ChargeIncome Plans Upon the death of the Insured, if an Income Plan was not previously elected by you and in lieu of a lump sum or other payment agreed to by the Company, the beneficiary may elect to receive his or her share (or name and change beneficiaries –see “Other Policy Provisions – Naming a Beneficiary”) of the Life Insurance Benefit by either of the fixed Income Plan options noted below. Payments under a fixed Income Plan option are not affected by the investment performance of the Divisions after the date of surrender or the date of the Insured’s death. Nothing in this section shall be construed to otherwise contradict the order of payment of the Life Insurance Benefit as described in the Policy, designated by you or under applicable law.Payments under fixed Income Plan options will be based on rates declared by the Company on the effective date of the Income Plan. The monthly income payment rates applicable to life Income Plans are based on interest rates applicable to amounts as of the date of death of the Insured according to the Policy as well as additional interest at a rate of 10% annually beginning 31 calendar days after the latest of (a) proof of the date of death is received by the Company, (b) the Company has all the information it needs to determine liability and the appropriate payees, or (c) any legal impediments (e.g., court guardian or executor actions) are properly satisfied. There is no additional charge for electing an Income Plan option. We may offer additional Income Plans.●Single Life Income We will make monthly payments for the selected certain period. The options for the certain period are zero years (i.e., no certain period), ten years, or twenty years. If the payee lives longer than the certain period, payments will continue for his or her life. In cases where a ten or twenty year certain period is elected, if the payee dies before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries your beneficiary designates. Where a certain period of zero years was selected and the Income Plan beneficiary dies before the first scheduled payment, then no payments will be paid.●Joint and Survivor Life Income We will make monthly payments for a 10-year certain period, and thereafter for as long as either of the individuals upon whose lives income payments are based is living. If both payees die before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries or to beneficiaries your beneficiary designates.In general, the monthly payments under a joint and survivor life Income Plan will be lower than, but may be payable for a longer period than, a single life Income Plan.The Owner may elect an Income Plan for each beneficiary’s share of the Life Insurance Benefit:●while the Insured is living; or●during the first 60 days after the death of the Insured, if the Insured at the time of his or her death was not the Owner. An election made during that 60-day period may not be revoked.An Owner may make or change Income Plan elections by contacting the Home Office or an authorized Financial Representative may provide us with an election on behalf of a Policy Owner subject to our current procedures, rules and requirements.Subject to the Owner’s rights, and upon providing any information that we may require, a direct or contingent beneficiary may elect an Income Plan for his or her share of the Life Insurance Benefit and/or name his or her own beneficiary for the Income Plan value, if any, remaining on his or her death. If no such Income Plan beneficiary is named, then the Income Plan beneficiary for the remaining value, if any, shall be the estate of the deceased direct or contingent beneficiary. Income Plan beneficiaries may continue to receive payments of the remaining value under the terms of the Income Plan in effect on the death of the direct or contingent beneficiary.Withdrawal The remaining value, if any, in an Income Plan may be withdrawn in a lump sum upon the death of all individuals upon whose lives income payments are based. The withdrawal value will be the present value of any unpaid payments for the remaining certain period. The present value will be based on the rate of interest used to determine the amount of the payments.Limitations If a trust is named as a beneficiary and no qualified trustee claims the Life Insurance Benefit within one year after the claim is determined to be payable, payment of the Life Insurance Benefit will be paid as though the trust had not been named as a beneficiary. The Company is not responsible for actions taken by the trustee and will not be charged with notice of any change of trustee unless written evidence of the change is received at the Home Office.Payment Frequency Upon written request, we will make payments once every 3, 6, or 12 months instead of each month.Example: John Doe was the owner and insured of a policy and had elected a single life income plan for a ten-year certain period. Upon his death, in lieu of paying life insurance proceeds from the policy to his wife Jane, his beneficiary, in a lump sum, the Company made reduced amounts of monthly payments to her spread out over that time period while the remaining balance earned interest. Exchange for a Fixed Benefit Policy Depending on your state of issue, we may allow you to exchange your Policy for a life insurance policy with benefits that do not vary with the investment experience of the Separate Account (“Fixed Benefit Policy”) at any time within the period allowed by your state provided premiums are paid. We reserve the right to require evidence of insurability. Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insured and will have a Death Benefit at least as great as the initial Death Benefit of your Policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the Policy through the effective date of the exchange and may have tax consequences. An exchange will be effective when we receive a proper written request, as well as the Policy, and any amount due on the exchange.In addition, irrespective of your state of issue, you may exchange a Policy for a Fixed Benefit Policy if, at any time, a Fund changes its investment adviser, if there is a material change in the investment policies of a Portfolio that was approved by Owners, or the Portfolio is substituted for another portfolio (see “Other Policy Transactions-Substitution of Portfolio Shares and Other Changes”). There may be a cost associated with the exchange. You will be given notice of any such change and will have 60 days to make the exchange.Example: John Doe lives in California and is the owner and insured of a a variable universal life plus policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the underlying portfolios in which the separate account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the Company’s requirements, John has up to six more months to exchange his variable policy for a fixed policy without the Company requiring evidence of insurability.Paid-up Insurance Upon written request to the Company, you may change your Policy to Paid-up insurance. Your election to convert to Paid-up insurance is irrevocable. To convert your Policy, the Cash Surrender Value must be at least $1,000 and the Policy must have been in force for at least 18 months from the Policy Date. This feature is not available for policies issued in certain states where the Guideline Premium/Cash Value Corridor Test (see “Minimum Death benefit”) was elected at issue. See Appendix B for more information about whether your state of issue affects the availability of Paid-up insurance.If the request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the effective date of change to Paid-Up insurance will be that date. If the request is not received on a Monthly Processing Date, or on or after the close of trading on the NYSE on a Monthly Processing Date, the change will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.On the date the Policy is changed to Paid-Up insurance, we deduct any applicable surrender charge and we transfer the Contract Fund Value to the Company’s General Account. Any outstanding Policy Debt continues. The Specified Amount will be changed to the Paid-up Specified Amount. The Paid-up Specified Amount is calculated as the Policy Value (after deducting the surrender charge and any withdrawals as of the date of the change) divided by the factor for the Paid-up insurance option shown on the Policy schedule pages. The Death Benefit option will be changed to Option A, and any Death Benefit Guarantee and any additional benefits will be terminated. The definition of life insurance will be changed to the Cash Value Accumulation Test (please see “Death Benefit – Minimum Death Benefit” for more information).After the transfer, the Policy Value will equal the Contract Fund Value plus any Policy Debt except that Policy Value (excluding loans) will not be less than the Paid-Up Specified Amount multiplied by the factor for the Paid-up insurance shown on the Policy schedule pages (“Guaranteed Minimum Paid-Up Policy Value”).When the Policy is in force as Paid-up insurance, you will not be permitted to make additional Premium Payments, change Death Benefit options or the Specified Amount, or add optional benefits to the Policy. Subject to certain restrictions, you are permitted to make withdrawals and loan repayments and take out additional loans. Loans and withdrawals reduce the Contract Fund Value and may increase the chance the Policy will terminate without value. A withdrawal can be requested by the Owner (see “Surrender and Withdrawals of Policy Value”) or may be the result of a return of a portion of Premium Payments that is necessary for the Policy to qualify as life insurance (see “Tax Considerations”). Withdrawals may reduce the Paid-up Specified Amount. The Contract Fund Value will earn interest at an annual effective rate determined by the Company that may change no more frequently than once a year and at no time will the annual effective interest rate be less than the minimum Paid-up Minimum Guaranteed Annual Effective Interest Rate shown in the Policy schedule pages. On any day after the effective date, the Contract Fund Value is equal to the Contract Fund Value at the end of the previous day plus any of the following items applicable for the current day:●interest;●any loan repayment and accrued loan interest payment made; and●any Policy dividend directed to increase the Policy Value;minus any of the following items applicable to the Contract Fund Value for the current day:●a Monthly Policy Charge;●Policy loans;●withdrawals; and●service charges.When the Policy is in force as Paid-Up insurance, the Monthly Policy Charge consists of the Monthly Policy Debt Expense Charge and the Monthly Cost of Insurance Charge. These charges may be reduced in order to ensure the Policy Value is not less than the Guaranteed Minimum Paid-Up Policy Value.Example: Jane Doe is the owner and insured of a variable universal life plus policy with an Additional Purchase Benefit rider and a Death Benefit Guarantee that has been in force for three years. Her policy has the following characteristics as of a monthly processing date: Cash Surrender Value = $200,000
Specified Amount = $500,000
Factor for Paid-up Option in the current policy month (from the policy schedule pages) = 0.8Jane decides she would rather own a paid-up policy that will earn a fixed rate of interest and will not require additional premium payments. Because Jane’s policy has the required minimum amount of cash surrender value and has been in force long enough, she is able to convert her policy to a paid-up policy. Her new policy, however, will not have any benefits and the specified amount of her death benefit will be reduced to her policy value divided by the factor set form in her policy at issue, in this case reducing her specified amount from $500,000 to $250,000 (i.e., $200,000 / 0.8 = $250,000). Dollar-Cost Averaging With Dollar-Cost Averaging (“DCA”), you can arrange to have a designated amount of money (either a fixed dollar amount or a fractional amount) automatically transferred monthly in allowable amounts from the Government Money Market Division into other Division(s) you have chosen. Transfers will end either when the amount in the Government Money Market Division is depleted or when you submit a request to our Home Office to stop such transfers, whichever is earlier. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner’s Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at www.northwesternmutual.com (“Electronic Instructions”) in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. There is no charge for DCA. We reserve the right to modify or terminate the DCA Plan at any time. DCA does not ensure a profit or protect against loss in a declining market. Carefully consider your willingness to continue Premium Payments during periods of declining markets. You should consult your Financial Representative before deciding whether to elect DCA.Portfolio Rebalancing Over time, portfolio rebalancing helps you maintain your allocations among the Divisions. If you elect portfolio rebalancing, amounts invested in the Divisions are periodically rebalanced in accordance with our procedures, to return your allocation to the percentages you specify. Portfolio rebalancing may reduce amounts allocated to better performing Divisions. Please note that the SAS Account is not included in portfolio rebalancing.You may choose to rebalance monthly, quarterly, semi-annually or annually. We do not charge a transfer fee for portfolio rebalancing. Subject to any limitations imposed by our short-term and excessive trading policies and procedures, you may elect portfolio rebalancing and modify or terminate your election at any time by submitting a request to our Home Office. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner’s Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at www.northwesternmutual.com (“Electronic Instructions”) in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. If you make transfers through our website, your portfolio rebalancing will end and you will need to make a new election if you want portfolio rebalancing to continue. We may modify, limit, suspend, or discontinue this feature at any time. Asset Allocation Models The Company currently makes available allocation models at no extra charge for amounts invested in the Divisions. An Owner can select only one model at a time. Each of the four models currently available (Moderately Conservative, Balanced, Aggressive, Very Aggressive) is comprised of a combination of Divisions that hold Portfolios representing various asset classes with various levels of risk tolerance. Generally, the four models can be characterized as follows:
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This combination of Divisions has Portfolios that generally invest in fixed income securities and a mix of equity securities with a majority emphasis on fixed income investments in order to preserve principal, provide liquidity and income and to seek modest growth. |
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This combination of Divisions has Portfolios that generally invest in a mix of fixed income and equity securities in order to preserve principal and pursue sustained long-term growth without the volatility of high- risk investments. |
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This combination of Divisions has Portfolios that generally invest in a mix of equity securities and some fixed income securities in order to primarily pursue long-term growth while willing to accept the volatility associated with high-risk investments. |
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This combination of Divisions has Portfolios that invest in almost entirely in a variety of equity securities in order to achieve higher potential growth while assuming the risks and higher volatility associated with these securities. | An Owner may only select a model which is currently available. Any investment allocations outside of an Owner’s original model must be made by the Owner, and will not be made by the Company. The Company does not provide investment advice regarding whether a model should be revised or whether it remains appropriate to invest in accordance with any particular model due to performance, a change in an Owner’s investment needs or for other reasons. If an Owner wishes to remove Portfolios from an Owner’s model and/or change allocations to a current model, the Owner may do so by notifying us in writing, contacting their Financial Representative or by calling (866) 464-3800. There will be no automatic rebalancing to these models unless the Owner chooses the automatic rebalancing option. Please note that investment in a model does not eliminate the risk of loss and it does not protect against losses in a declining market. An Owner should contact their Financial Representative for more information about available allocation models (including the specific asset mixes of available models) and whether investment in a model is appropriate for them. Models may not be available for Policies with allocated amounts to the SAS Account.Available models may change from time to time, but you must make an affirmative election to change models. The Company reserves the right to modify, suspend, or terminate any asset allocation model at any time without affecting an Owner’s current allocation, except in limited circumstances involving a Substitution (see “Substitution of Portfolio Shares and Other Changes” below for more information regarding the substitution of a Portfolio) or the elimination of a Portfolio as an investment option under the Policy pursuant to other applicable SEC regulatory guidance. In that case, allocations in a Portfolio within a model (Original Portfolio) will be transferred to a different Portfolio if the Original Portfolio becomes no longer available (e.g., a substitution, merger, or liquidation), in which case the Company will send written notice in advance of such event. If an Owner is invested in a model that is no longer offered and initiates a change outside of the original model allocations, the Owner will not be able to select the original model (see “Transfers” above for more information about how to change portfolio allocations).Please note that investment according to an allocation model may result in an increase in assets allocated to Portfolios managed by an investment adviser affiliated with the Company, and therefore a corresponding increase in Portfolio management fees collected by such adviser and may present a conflict of interest.
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| Benefits Available [Table Text Block] |
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Is Benefit Standard or Optional |
Brief Description of Limitations/Restrictions |
Waiver Benefit: Selected Monthly Premium Benefit |
For an Insured who has become totally disabled the company will make minimum premium payments equal to or greater than monthly charges without |
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●Not available for all ages or underwriting classifications ●The insured must become totally disabled while this benefit is in force, the disability must result from an accident or sickness, and the disability must last for at least six months ●There is a charge for this benefit |
Additional Purchase Benefit |
Allows the Owner to purchase additional life insurance policies on the life of the Insured without proof of insurability |
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●Not available for all ages or underwriting classifications ●There is a charge for this benefit |
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terminate due to insufficient value in your Policy |
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●Must be elected at issue ●Monthly charges will reduce the during the guarantee period, which may eventually result in termination ●There is a charge for this benefit |
Death Benefit Guarantee Premium Suspension |
Allows for the suspension of required premiums |
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●May expire earlier than your next under certain circumstances (i.e., “retest events”) |
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surrender proceeds may be payable in a monthly (or less frequent) payments over a period of time |
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●Must be selected Direct or Contingent Benificiary ●Payments are subject to fixed rates and not investment performance of the |
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Is Benefit Standard or Optional |
Brief Description of Limitations/Restrictions |
Exchange for a Fixed Benefit Policy |
Allows you to exchange your Policy for a life insurance policy with benefits that do not vary with the investment experience of the underlying |
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●Requires premium payments be paid ●There may be a cost associated with exchange ●Exchange may have tax consequences |
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Under certain conditions allows the Owner to change the Policy to a policy free of minimum premium payment obligations |
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●Must be selected ●Election is irrevocable charges continue ●When in force as no additional premium is allowed option will be irrevocably changed and you may not add optional benefits to |
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On a monthly basis, automatically transfers a specific amount from the Government Money selected |
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●Must be selected not included in dollar cost averaging |
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Automatically rebalances the Divisions you select (either monthly, quarterly, semi-annually or annually) to maintain your chosen allocations |
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●Must be selected not included in portfolio rebalancing |
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Allocation models are available that comprise a combination of Divisions representing various asset classes with various levels of risk tolerance. |
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●Must be selected ●Only one model is available at a time ●Models are “static” which means the percentage allocations among the Divisions under a Model will not change. Therefore make an affirmative election to change models ●Available models may change in the future |
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Is Benefit Standard or Optional |
Brief Description of Limitations/Restrictions |
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If the insured is eligible for a terminal illness benefit, the company will pay a one-time lump sum to the owner. The amount paid is the requested death benefit less interest, administration fees, loan adjustment and any required premium due. |
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●The terminal illness benefit paid is less than the requested death benefit ●Available on or about July 1, 2025 ●There is a charge for this benefit |
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| Name of Benefit [Text Block] |
Name of BenefitTerminal Illness Benefit
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| Purpose of Benefit [Text Block] |
PurposeIf the insured is eligible for a terminal illness benefit, the company will pay a one-time lump sum to the owner. The amount paid is the requested death benefit less interest, administration fees, loan adjustment and any required premium due.
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| Brief Restrictions / Limitations [Text Block] |
Brief Description of Limitations/Restrictions●The terminal illness benefit paid is less than the requested death benefit●Available on or about July 1, 2025●There is a charge for this benefit
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| Name of Benefit [Text Block] |
Name of BenefitTerminal Illness Benefit
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| Operation of Benefit [Text Block] |
Optional Benefits Available for a ChargeThere are currently three optional benefits available for purchase under the Policy:(1)the Waiver Benefit: Selected Monthly Premium Benefit;(2)the Additional Purchase Benefit; and(3)the Death Benefit GuaranteeThe Selected Monthly Premium Benefit may be elected at any time while the Insured is between Attained Ages 0 and 59. The Additional Purchase Benefit may be elected while the Insured is between Attained Ages 0 and 40. If the Owner seeks to add an optional benefit after the Policy has been issued, the addition of the benefit will be subject to the Company’s then-current underwriting standards. These optional benefits are not available for all Attained Ages and underwriting classifications. The Death Benefit Guarantee must be elected at issue.If you select one or more of these optional benefits, a charge for the benefit will be added to the Monthly Policy Charge. (See “Periodic Charges Other than Fund Operating Expenses”). Any such charge will continue to be assessed as long as the benefit remains in force, except that charges for the Selected Monthly Premium Benefit will be waived when the Insured is totally disabled, subject to the terms and conditions of the benefit. Once the Policy has been issued, the optional benefits above (other than the Death Benefit Guarantee) may be added to the Policy, subject to the Company’s insurability requirements and other rules. If the written request to terminate the optional benefits (other than the Death Benefit Guarantee) is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the request will be effective on that date. If the request is not received on a Monthly Processing Date, or is received on or after the close of trading on the NYSE, it will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements. Selected Monthly Premium Benefit Subject to applicable terms and conditions, the Selected Monthly Premium Benefit shall be the greater of (1) a premium amount selected by the Owner subject to Company limitations (e.g. the range of dollar amounts which at a minimum maintain the Policy or at a maximum reach the Company’s then-current Premium waiver limits), or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured, if the total disability is due to accident or sickness and it begins on or before the Policy Anniversary nearest the Insured’s 60th birthday. If the total disability begins after the Policy Anniversary nearest the Insured’s 60th birthday, the benefit provides for a credit of the greater of (1) premium amount selected by the Owner subject to Company limitations, or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured until the Policy Anniversary nearest the Insured’s 65th birthday.A total disability is one in which the Insured is unable to perform the substantial and material duties of an occupation. For the first 24 months of total disability, an occupation is the one that the Insured has at the time the Insured becomes disabled. After 24 months, an occupation also includes one for which the Insured is reasonably qualified by education, training or experience. To be covered, the total disability must begin while the benefit is in force; the total disability must result from an accident or sickness; and the total disability must last for at least six consecutive months. The Company will determine the existence of total disability based on the proof of claim submitted and other information gathered by the Company. This Optional Benefit is not available to be added to the Policy if, on the date the Optional Benefit is requested, the Insured is totally disabled, or, as noted above, the Attained Age or underwriting classification of the Insured is outside the range within which the Company offers these Optional Benefits, or should these Optional Benefits become unavailable in your state of issue.The Selected Monthly Premium Benefit terminates on the earliest of: (1) the Policy Anniversary that is nearest the 65th birthday of the Insured unless the Insured became totally disabled prior to the Policy Anniversary that is nearest the 60th birthday of the Insured; (2) when the Policy terminates; (3) when the Policy becomes Paid-Up insurance; or (4) when the Owner’s written request to terminate the benefit is received at our Home Office.The amounts credited under the Selected Monthly Premium Benefits are treated as Premium Payments subject to the terms of the Policy, except that if the Policy has Death Benefit Option C, then the amounts credited under these benefits will not be included in the cumulative Premium Payments that are used in the calculation of the Death Benefit. The amounts credited under this benefit are subject to the same transaction fees as any other Premium Payment. (See “Charges and Deductions—Premium Expense Charges”).Example: John Doe, age 57, lost his right hand in a car accident and became totally disabled from his job as a roof tiler. John’s policy has a Selected Monthly Premium Benefit with a selected monthly premium amount of $7,000. Afterward, on a particular monthly processing date, John’s monthly policy charges total $5,000. John’s Selected Monthly Premium Benefit will credit $7,000 into the policy on that monthly processing date.Additional Purchase Benefit Subject to the terms and conditions of the benefit, the Additional Purchase Benefit gives the Owner the right to purchase additional life insurance policies on the life of the Insured up to Attained Age 40 at specified dates without proof of insurability. This optional benefit terminates on the Policy Anniversary nearest the 40th birthday of the Insured. It will terminate earlier: (1) when the Policy terminates; (2) when the Policy becomes Paid-Up insurance; (3) on the use of the final purchase right under the benefit; or (4) when the Owner’s written request to terminate the benefit is received at our Home Office.Example: Jane Doe, age 28, is the owner and insured of her policy and decides she wants an additional $50,000 of life insurance. Jane purchases her policy without the Company requiring evidence of insurability.
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| Item 18. Portfolio Companies (N-6) [Text Block] |
Appendix A—Portfolios Available under Your PolicyThe following is a list of Portfolios available under your Policy. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at www.nmprospectus.com. You can also request this information at no cost by calling (866) 464-3800 or by sending an email request to vavldocrequest@northwesternmutual.com.The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. Please note that depending on whether your Death Benefit Guarantee is in effect, allocations or transfers into the Government Money Market Division are subject to certain restrictions (see “The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market Division” in the Prospectus).
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| Prospectuses Available [Text Block] |
The following is a list of Portfolios available under your Policy. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at www.nmprospectus.com. You can also request this information at no cost by calling (866) 464-3800 or by sending an email request to vavldocrequest@northwesternmutual.com.The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. Please note that depending on whether your Death Benefit Guarantee is in effect, allocations or transfers into the Government Money Market Division are subject to certain restrictions (see “The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market Division” in the Prospectus).
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Portfolio and Adviser/ Sub-adviser (if applicable) |
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Average Annual Total Returns (as of 12/31/2024) |
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Long-term growth of capital; current income is a secondary objective |
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Mason Street Advisors, LLC (MSA)/T. Rowe Price Associates, Inc. |
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Long-term growth of capital |
Focused Appreciation Portfolio2 |
MSA/Loomis, Sayles & Company, L.P. |
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Long-term growth of capital and income |
Large Cap Core Stock Portfolio2 |
MSA/Wellington Management Company LLP |
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Long-term growth of capital and income |
Large Cap Blend Portfolio2 |
MSA/J.P. Morgan Investment Management, Inc. |
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Investment results that approximate the performance of the Standard & Poor’s 500® Composite Stock Price Index |
Index 500 Stock Portfolio2 |
MSA/BlackRock Advisors, LLC |
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Long-term growth of capital; income is a secondary objective |
Large Company Value Portfolio2 |
MSA/American Century Investment Management, Inc. |
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Long-term growth of capital and income |
Domestic Equity Portfolio2 |
MSA/Delaware Investments Fund Advisers, a series of Macquarie Investment Management Business Trust |
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Long-term growth of capital and income |
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MSA/T. Rowe Price Associates, Inc. |
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Long-term growth of capital |
Mid Cap Growth Stock Portfolio2 |
MSA/J.P. Morgan Investment Management, Inc. |
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Investment results that approximate the performance of the Standard & Poor’s MidCap 400® Stock Price Index |
Index 400 Stock Portfolio2 |
MSA/Northern Trust Investments, Inc. |
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Long-term growth of capital; current income is a secondary objective |
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MSA/American Century Investment Management, Inc. |
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Long-term growth of capital |
Small Cap Growth Stock Portfolio2 |
MSA/Wellington Management Company LLP |
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Investment results that approximate the performance of the Standard & Poor’s SmallCap 600® Index |
Index 600 Stock Portfolio2 |
MSA/Northern Trust Investments, Inc. |
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Long-term growth of capital |
Small Cap Value Portfolio2 |
MSA/T. Rowe Price Investment Management, Inc. |
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Portfolio and Adviser/ Sub-adviser (if applicable) |
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Average Annual Total Returns (as of 12/31/2024) |
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Long-term growth of capital |
International Growth Portfolio2 |
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Research International Core Portfolio2 |
MSA/Massachusetts Financial Services Company |
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Long-term growth of capital and income |
International Equity Portfolio2 |
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Emerging Markets Equity Portfolio2 |
MSA/abrdn Investments Limited |
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Maximum current income to the extent consistent with liquidity and stability |
Government Money Market Portfolio2,4 |
MSA/BlackRock Advisors, LLC |
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Provide as high a level of current income as is consistent with prudent investment risk |
Short-Term Bond Portfolio2 |
MSA/T. Rowe Price Associates, Inc. |
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Provide as high a level of total return consistent with prudent investment risk; a secondary objective is to seek preservation of shareholders’ capital |
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MSA/Allspring Global Investments, LLC |
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Maximum total return, consistent with preservation of capital and prudent investment management |
Long-Term U.S. Government Bond Portfolio2 |
MSA/Pacific Investment Management Company LLC |
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Pursue total return using a strategy that seeks to protect against U.S. inflation |
Inflation Managed Portfolio2(“Inflation Protection Portfolio” until 09/30/2025) |
MSA/American Century Investment Management, Inc. |
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High current income and capital appreciation |
High Yield Bond Portfolio2 |
MSA/Federated Investment Management Company |
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Maximum total return, consistent with prudent investment management |
Multi-Sector Bond Portfolio2 |
MSA/Pacific Investment Management Company LLC |
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Realize as high a level of total return as is consistent with reasonable investment risk through appreciation and income |
Active/Passive Balanced Portfolio2 (“Balanced Portfolio” until 06/30/25) |
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Realize as high a level of total return as is consistent with moderate investment risk through appreciation and secondarily through income |
Active/Passive Moderate Portfolio2 (“Asset Allocation Portfolio” until 06/30/25) |
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Long-term growth of capital |
Fidelity® VIP Mid Cap Portfolio – Initial Class5 |
Fidelity Management & Research Company LLC |
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Long-term capital appreciation |
Fidelity® VIP ContrafundSM Portfolio – Initial Class5 |
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Portfolio and Adviser/ Sub-adviser (if applicable) |
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Average Annual Total Returns (as of 12/31/2024) |
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Long-term growth of capital by investing primarily in securities of companies that meet the Portfolio’s environmental, social and governance criteria |
Sustainable Equity Portfolio7 |
Neuberger Berman Investment Advisers LLC |
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Long-term growth of capital |
U.S. Strategic Equity Fund8 |
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Long-term growth of capital |
U.S. Small Cap Equity Fund8 |
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Current income and long- term growth of capital |
Global Real Estate Securities Fund8 |
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Long-term growth of capital |
International Developed Markets Fund8 |
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Current income and moderate long-term capital appreciation |
LifePoints® Variable Target Portfolio Series Moderate Strategy Fund8 |
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Above-average long-term capital appreciation and a moderate level of current income |
LifePoints® Variable Target Portfolio Series Balanced Strategy Fund8 |
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High long-term capital appreciation; and as a secondary objective, current income |
LifePoints® Variable Target Portfolio Series Aggressive Strategy Fund8 |
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High long-term capital appreciation |
LifePoints® Variable Target Portfolio Series Equity Aggressive Strategy Fund8 |
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Commodity Return Strategy Portfolio – Class 210 |
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| Portfolio Company Name [Text Block] |
Portfolio and Adviser/Sub-adviser (if applicable)1 Year
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| Portfolio Company Objective [Text Block] |
InvestmentObjective
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| Temporary Fee Reductions, Current Expenses [Text Block] |
This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the Portfolio’s registration statement. This agreement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.
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| Variable Universal Life Plus | RisksAssociatedwithInvestmentOptionsMember |
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| Prospectus: |
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| Risk [Text Block] |
Investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options (Portfolios) available under the Policy. Each Portfolio (and any fixed account investment option) will have its own unique risks and you should review these investment options before making an investment decision.
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| Variable Universal Life Plus | PolicyLapseMember |
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| Prospectus: |
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| Risk [Text Block] |
Insufficient premium payments, poor investment results, withdrawals, unpaid loans, or loan interest may cause your Policy to lapse, meaning you will no longer have any life insurance coverage and death benefits will not be paid. After lapse, you may reinstate the Policy subject to certain conditions described in the Prospectus, including the payment of the minimum payment amount, required to keep the Policy in force.
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| Principal Risk [Text Block] |
Policy Lapse Insufficient Premium Payments, poor investment results, withdrawals, unpaid loans, or loan interest may cause your Policy to lapse, meaning you will no longer have any life insurance coverage. If, on a Monthly Processing Date, the Cash Surrender Value (which takes into account any applicable surrender charge) is not enough to pay the Monthly Policy Charge, your Policy will enter a 61-day grace period, unless the Death Benefit Guarantee is in effect. If your Policy enters a grace period, we will notify you that the Policy will lapse (terminate without value) at the end of the grace period unless you make a sufficient payment. Your Policy may be reinstated within three years (or longer if required by state law) after it has lapsed, subject to certain conditions.
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| Variable Universal Life Plus | PolicyforLongTermProtectionMember |
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| Prospectus: |
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| Principal Risk [Text Block] |
Policy for Long-Term Protection Your Policy is designed to serve your long-term life insurance protection need. It is not suitable for short-term life insurance protection nor for short-term investing. Surrender charges apply in the first 10 Policy Years and the value of your Policy and Life Insurance Benefit will be reduced if you withdraw money. In addition, short-term investment in the Policy may subject you to income taxes and tax penalties.
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| Variable Universal Life Plus | InsuranceDefaultRiskMember |
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| Prospectus: |
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| Principal Risk [Text Block] |
Insurance Default Risk Because certain guarantees under the Policy are guaranteed by the Company’s General Account assets, the ability to make good on these guarantees depends on the financial strength and claims-paying ability of the Company. Therefore, guaranteed benefits outside of the Separate Account, including any available fixed options, are subject to the risk of default to the extent the Company is unable to satisfy some or all of these guarantees.
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| Variable Universal Life Plus | PolicyLoanRisksMember |
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| Prospectus: |
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| Principal Risk [Text Block] |
Policy Loan Risks A Policy loan, whether or not repaid, will affect the value of your Policy over time because the amounts borrowed do not participate in the investment performance of the Divisions; in addition, a charge is deducted from your Contract Fund Value each month while there is Policy Debt. The Life Insurance Benefit is reduced by the amount of any outstanding Policy Debt. If you surrender the Policy or allow it to lapse while Policy Debt is outstanding, the amount of Policy Debt is extinguished by applying the Policy Value to repay it. If the Policy Debt exceeds the cost basis in the contract, we are required to report the extinguishment to you and the IRS on an IRS Form 1099-R. Policy Debt reduces the Cash Surrender Value and increases the risk that your Policy will lapse.
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| Variable Universal Life Plus | LimitationsonAccesstoYourValuesMember |
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| Prospectus: |
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| Principal Risk [Text Block] |
Limitations on Access to Your Values Accessing your Policy’s value may have tax consequences. We will deduct a surrender charge if you surrender your Policy in the first ten Policy Years. Even if your Policy has value, it is possible that you will receive no Cash Surrender Value if you surrender the Policy in the first ten Policy Years. You should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of your Policy in the near future. Even if you do not ask to surrender the Policy, surrender charges may play a role in determining whether the Policy will lapse, because surrender charges affect the Cash Surrender Value, which is a measure we use to determine whether your Policy will enter a grace period (and possibly lapse). See “Policy Lapse” above. You may make withdrawals subject to limitations on the amount that may be withdrawn. (See “Withdrawals”). A withdrawal will reduce the Contract Fund Value and Life Insurance Benefit. The minimum amount of a withdrawal is $250.
Amounts allocated to the NM Strength and Stability Account cannot be transferred to the Divisions. As a result, you should carefully consider whether this option meets your investment needs.
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| Variable Universal Life Plus | AdverseTaxConsequencesMember |
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| Prospectus: |
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| Principal Risk [Text Block] |
Adverse Tax Consequences Our understanding of the principal tax considerations for the Policy under current tax law is set forth in this Prospectus. A surrender, loan, or withdrawal may have tax consequences. There are areas of some uncertainty under current law, and we do not address the likelihood of future changes in the law or interpretations thereof. Among other risks, your Policy may become a modified endowment contract. A modified endowment contract (“MEC”) is a life insurance contract that is taxed less favorably on lifetime distributions than other life insurance contracts because the contract is considered too investment oriented. Generally, a Policy may be classified as a MEC if cumulative premiums paid during a seven-pay period exceed a “seven-pay” limit defined in the Internal Revenue Code (“Code”). Distributions, including loans, from a Policy classified as a MEC are taxable to the extent of the gain in the Policy and may be subject to a 10% penalty tax if taken before the Owner attains age 59½. Moreover, excessive Policy loans could cause a Policy to terminate with insufficient value to pay the tax due upon termination. Death Benefit proceeds may be subject to state and/or inheritance taxes. (See “Tax Considerations.”)
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| Variable Universal Life Plus | RiskofanIncreaseinCurrentFeesandExpensesMember |
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| Prospectus: |
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| Principal Risk [Text Block] |
Risk of an Increase in Current Fees and Expenses Certain insurance charges are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the guaranteed maximum levels, based on the Company’s emerging experience or future expectations, as determined in its sole discretion, with respect to, but not limited to, mortality, expenses, reinsurance costs, taxes, persistency, capital requirements, reserve requirements, and changes in applicable laws. Although some Funds may have expense limitation agreements, the operating expenses of the Portfolios are not guaranteed and may increase or decrease over time. If fees and expenses are increased, you may need to increase the amount and/or frequency of Premium Payments to keep the Policy in force.
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| Variable Universal Life Plus | CybersecurityandCertainBusinessContinuityRisksMember |
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| Prospectus: |
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| Principal Risk [Text Block] |
Cybersecurity and Certain Business Continuity Risks The Company has administrative, technical and physical safeguards in place with respect to information security, nevertheless, our variable product business is potentially susceptible to operational and information security risks resulting from a cyber-attack as it is highly dependent upon the effective operation of our computer systems and those of our business partners. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service on websites and other operational disruption and unauthorized release of confidential customer information. Cyber-attacks affecting us, the Portfolios, intermediaries and other affiliated or third-party service providers may adversely affect us and your Policy Value. For instance, cyber-attacks may interfere with our processing of contract transactions (including the processing of orders through our website, if available, or with the Portfolios), impact our ability to calculate values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). There can be no assurance that we or the Portfolios or our service providers will avoid losses affecting your Policy due to cyber-attacks or information security breaches in the future.Other disruptive events, including (but not limited to) natural or man-made disasters and public health crises or pandemics, may also adversely affect our ability to conduct business, including if our employees or the employees of intermediaries or other affiliated or third-party service providers are unable to perform their responsibilities as a result of any such event. Such disruptions to our business operations can interfere with issuance or our processing of transactions (including the processing of orders through our website or with the Portfolios), may interfere with our ability to receive, pickup and process mail and messages, impact our ability to calculate values, or cause other operational or system issues. Furthermore, these disruptions may persist even if our employees or the employees of intermediaries or other affiliate or third-party service providers are able to work remotely. These events may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. There can be no assurance that the Company, the Portfolios or our service providers will avoid losses affecting your Policy due to a disaster or other catastrophe.
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| Variable Universal Life Plus | PrivacyRisksMember |
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| Prospectus: |
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| Principal Risk [Text Block] |
Privacy Risks Variable life insurance policies face significant privacy risks, including cyberattacks and unauthorized access and use of sensitive personal and financial data, which can lead to identity theft and financial fraud. Northwestern Mutual ensures employees receive training on privacy protocols and data minimization practices in addition to implementing robust data protection measures to mitigate these risks and maintain strict compliance with privacy regulations.
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| Variable Universal Life Plus | Risk of Loss [Member] |
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| Prospectus: |
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| Risk [Text Block] |
You can lose money by investing in the Policy, including loss of principal.
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| Variable Universal Life Plus | Not Short Term Investment Risk [Member] |
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| Prospectus: |
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| Risk [Text Block] |
The Policy is not a short-term investment and is not appropriate for you if you need ready access to cash. Surrender charges apply in the first 10 Policy Years and the value of your Policy and life insurance benefit will be reduced if you withdraw money. In addition, short-term investment in the Policy may subject you to income taxes and tax penalties.
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| Variable Universal Life Plus | Investment Options Risk [Member] |
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| Prospectus: |
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| Principal Risk [Text Block] |
Investment Risk Policy amounts in the Divisions will fluctuate with the performance of the Portfolios you choose. Amounts you allocate among the Divisions may grow in value, decline in value, or grow less than you expect depending on the investment performance of the corresponding Portfolios. These assets are not guaranteed, and you can lose money. Depending on any Death Benefit Guarantee in effect, you may be required to pay more premiums than originally planned in order to keep the Policy in force. A comprehensive discussion of the investment objectives and risks of each Portfolio may be found in each Portfolio’s prospectus. There is no assurance that any Portfolio will achieve its stated investment objective. The Policy is not designed for frequent or short-term trading.
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| Variable Universal Life Plus | Insurance Company Risk [Member] |
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| Prospectus: |
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| Risk [Text Block] |
Investment in the Policy is subject to the risks related to Northwestern Mutual, and any obligations (including under any fixed account investment options), guarantees, or benefits are subject to the claims-paying ability of Northwestern Mutual. More information about Northwestern Mutual, including its financial strength ratings, is available upon request by calling toll free (866) 464-3800.
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| Variable Universal Life Plus | GrowthStockPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Growth Stock Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital; current income is a secondary objective
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| Portfolio Company Adviser [Text Block] |
Mason Street Advisors, LLC (MSA)
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| Portfolio Company Subadviser [Text Block] |
T. Rowe Price Associates, Inc.
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| Current Expenses [Percent] |
0.42%
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| Average Annual Total Returns, 1 Year [Percent] |
37.82%
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| Average Annual Total Returns, 5 Years [Percent] |
14.77%
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| Average Annual Total Returns, 10 Years [Percent] |
13.44%
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| Variable Universal Life Plus | FocusedAppreciationPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Focused Appreciation Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
Loomis, Sayles & Company, L.P.
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| Current Expenses [Percent] |
0.61%
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| Average Annual Total Returns, 1 Year [Percent] |
34.43%
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| Average Annual Total Returns, 5 Years [Percent] |
18.22%
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| Average Annual Total Returns, 10 Years [Percent] |
16.94%
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| Variable Universal Life Plus | LargeCapCoreStockPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Large Cap Core Stock Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital and income
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
Wellington Management Company LLP
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| Current Expenses [Percent] |
0.43%
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| Average Annual Total Returns, 1 Year [Percent] |
22.16%
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| Average Annual Total Returns, 5 Years [Percent] |
13.86%
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| Average Annual Total Returns, 10 Years [Percent] |
11.88%
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| Variable Universal Life Plus | LargeCapBlendPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Large Cap Blend Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital and income
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
J.P. Morgan Investment Management, Inc.
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| Current Expenses [Percent] |
0.72%
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| Average Annual Total Returns, 1 Year [Percent] |
23.86%
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| Average Annual Total Returns, 5 Years [Percent] |
10.92%
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| Average Annual Total Returns, 10 Years [Percent] |
10.22%
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| Variable Universal Life Plus | Index500StockPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Index 500 Stock Portfolio2
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| Portfolio Company Objective [Text Block] |
Investment results that approximate the performance of the Standard & Poor’s 500® Composite Stock Price Index
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
BlackRock Advisors, LLC
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| Current Expenses [Percent] |
0.19%
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| Average Annual Total Returns, 1 Year [Percent] |
24.75%
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| Average Annual Total Returns, 5 Years [Percent] |
14.30%
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| Average Annual Total Returns, 10 Years [Percent] |
12.86%
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| Variable Universal Life Plus | LargeCompanyValuePortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Large Company Value Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital; income is a secondary objective
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
American Century Investment Management, Inc.
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| Current Expenses [Percent] |
0.75%
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| Average Annual Total Returns, 1 Year [Percent] |
10.69%
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| Average Annual Total Returns, 5 Years [Percent] |
7.46%
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| Average Annual Total Returns, 10 Years [Percent] |
7.58%
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| Variable Universal Life Plus | DomesticEquityPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Domestic Equity Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital and income
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
Delaware Investments Fund Advisers, a series of Macquarie Investment Management Business Trust
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| Current Expenses [Percent] |
0.50%
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| Average Annual Total Returns, 1 Year [Percent] |
7.07%
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| Average Annual Total Returns, 5 Years [Percent] |
5.90%
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| Average Annual Total Returns, 10 Years [Percent] |
7.40%
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| Variable Universal Life Plus | EquityIncomePortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Equity Income Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital and income
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
T. Rowe Price Associates, Inc.
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| Current Expenses [Percent] |
0.57%
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| Average Annual Total Returns, 1 Year [Percent] |
11.88%
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| Average Annual Total Returns, 5 Years [Percent] |
8.60%
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| Average Annual Total Returns, 10 Years [Percent] |
8.40%
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| Variable Universal Life Plus | MidCapGrowthStockPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Mid Cap Growth Stock Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
J.P. Morgan Investment Management, Inc.
|
| Current Expenses [Percent] |
0.54%
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| Average Annual Total Returns, 1 Year [Percent] |
8.21%
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| Average Annual Total Returns, 5 Years [Percent] |
5.55%
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| Average Annual Total Returns, 10 Years [Percent] |
7.03%
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| Variable Universal Life Plus | Index400StockPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Index 400 Stock Portfolio2
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| Portfolio Company Objective [Text Block] |
Investment results that approximate the performance of the Standard & Poor’s MidCap 400® Stock Price Index
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
Northern Trust Investments, Inc.
|
| Current Expenses [Percent] |
0.24%
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| Average Annual Total Returns, 1 Year [Percent] |
13.63%
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| Average Annual Total Returns, 5 Years [Percent] |
10.07%
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| Average Annual Total Returns, 10 Years [Percent] |
9.41%
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| Variable Universal Life Plus | MidCapValuePortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Mid Cap Value Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital; current income is a secondary objective
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
American Century Investment Management, Inc.
|
| Current Expenses [Percent] |
0.72%
|
| Average Annual Total Returns, 1 Year [Percent] |
8.65%
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| Average Annual Total Returns, 5 Years [Percent] |
7.42%
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| Average Annual Total Returns, 10 Years [Percent] |
8.15%
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| Variable Universal Life Plus | SmallCapGrowthStockPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Small Cap Growth Stock Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
Wellington Management Company LLP
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| Current Expenses [Percent] |
0.56%
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| Average Annual Total Returns, 1 Year [Percent] |
13.18%
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| Average Annual Total Returns, 5 Years [Percent] |
5.89%
|
| Average Annual Total Returns, 10 Years [Percent] |
8.12%
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| Variable Universal Life Plus | Index600StockPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Index 600 Stock Portfolio2
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| Portfolio Company Objective [Text Block] |
Investment results that approximate the performance of the Standard & Poor’s SmallCap 600® Index
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| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
Northern Trust Investments, Inc.
|
| Current Expenses [Percent] |
0.27%
|
| Average Annual Total Returns, 1 Year [Percent] |
8.43%
|
| Average Annual Total Returns, 5 Years [Percent] |
8.01%
|
| Average Annual Total Returns, 10 Years [Percent] |
8.61%
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| Variable Universal Life Plus | SmallCapValuePortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Small Cap Value Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital
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| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
T. Rowe Price Investment Management, Inc.
|
| Current Expenses [Percent] |
0.87%
|
| Average Annual Total Returns, 1 Year [Percent] |
10.36%
|
| Average Annual Total Returns, 5 Years [Percent] |
6.59%
|
| Average Annual Total Returns, 10 Years [Percent] |
7.77%
|
| Variable Universal Life Plus | InternationalGrowthPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
International Growth Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
FIAM LLC
|
| Current Expenses [Percent] |
0.61%
|
| Average Annual Total Returns, 1 Year [Percent] |
5.30%
|
| Average Annual Total Returns, 5 Years [Percent] |
5.96%
|
| Average Annual Total Returns, 10 Years [Percent] |
7.03%
|
| Variable Universal Life Plus | ResearchInternationalCorePortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Research International Core Portfolio2
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| Portfolio Company Objective [Text Block] |
Capital appreciation
|
| Portfolio Company Adviser [Text Block] |
MSA
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| Portfolio Company Subadviser [Text Block] |
Massachusetts Financial Services Company
|
| Current Expenses [Percent] |
0.72%
|
| Average Annual Total Returns, 1 Year [Percent] |
3.25%
|
| Average Annual Total Returns, 5 Years [Percent] |
4.20%
|
| Average Annual Total Returns, 10 Years [Percent] |
5.48%
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| Variable Universal Life Plus | InternationalEquityPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
International Equity Portfolio2
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| Portfolio Company Objective [Text Block] |
Long-term growth of capital and income
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
Dodge & Cox
|
| Current Expenses [Percent] |
0.68%
|
| Average Annual Total Returns, 1 Year [Percent] |
3.94%
|
| Average Annual Total Returns, 5 Years [Percent] |
2.81%
|
| Average Annual Total Returns, 10 Years [Percent] |
3.02%
|
| Variable Universal Life Plus | EmergingMarketsEquityPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Emerging Markets Equity Portfolio2
|
| Portfolio Company Objective [Text Block] |
Capital appreciation
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
abrdn Investments Limited
|
| Current Expenses [Percent] |
0.89%
|
| Average Annual Total Returns, 1 Year [Percent] |
4.02%
|
| Average Annual Total Returns, 5 Years [Percent] |
0.12%
|
| Average Annual Total Returns, 10 Years [Percent] |
2.50%
|
| Variable Universal Life Plus | GovernmentMoneyMarketPortfolioMember |
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| Prospectus: |
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| Portfolio Company Name [Text Block] |
Government Money Market Portfolio2,4
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| Portfolio Company Objective [Text Block] |
Maximum current income to the extent consistent with liquidity and stability of capital3
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
BlackRock Advisors, LLC
|
| Current Expenses [Percent] |
0.33%
|
| Average Annual Total Returns, 1 Year [Percent] |
4.99%
|
| Average Annual Total Returns, 5 Years [Percent] |
2.28%
|
| Average Annual Total Returns, 10 Years [Percent] |
1.56%
|
| Variable Universal Life Plus | ShortTermBondPortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Short-Term Bond Portfolio2
|
| Portfolio Company Objective [Text Block] |
Provide as high a level of current income as is consistent with prudent investment risk
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
T. Rowe Price Associates, Inc.
|
| Current Expenses [Percent] |
0.40%
|
| Average Annual Total Returns, 1 Year [Percent] |
5.04%
|
| Average Annual Total Returns, 5 Years [Percent] |
1.92%
|
| Average Annual Total Returns, 10 Years [Percent] |
1.90%
|
| Variable Universal Life Plus | SelectBondPortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Select Bond Portfolio2
|
| Portfolio Company Objective [Text Block] |
Provide as high a level of total return consistent with prudent investment risk; a secondary objective is to seek preservation of shareholders’ capital
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
Allspring Global Investments, LLC
|
| Current Expenses [Percent] |
0.31%
|
| Average Annual Total Returns, 1 Year [Percent] |
1.76%
|
| Average Annual Total Returns, 5 Years [Percent] |
0.09%
|
| Average Annual Total Returns, 10 Years [Percent] |
1.57%
|
| Variable Universal Life Plus | LongTermUSGovernmentBondPortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Long-Term U.S. Government Bond Portfolio2
|
| Portfolio Company Objective [Text Block] |
Maximum total return, consistent with preservation of capital and prudent investment management
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
Pacific Investment Management Company LLC
|
| Current Expenses [Percent] |
2.68%
|
| Average Annual Total Returns, 1 Year [Percent] |
(5.78%)
|
| Average Annual Total Returns, 5 Years [Percent] |
(5.29%)
|
| Average Annual Total Returns, 10 Years [Percent] |
(0.93%)
|
| Variable Universal Life Plus | InflationManagedPortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Inflation Managed Portfolio2(“Inflation Protection Portfolio” until 09/30/2025)
|
| Portfolio Company Objective [Text Block] |
Pursue total return using a strategy that seeks to protect against U.S. inflation
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
American Century Investment Management, Inc.
|
| Current Expenses [Percent] |
0.45%
|
| Average Annual Total Returns, 1 Year [Percent] |
1.96%
|
| Average Annual Total Returns, 5 Years [Percent] |
1.50%
|
| Average Annual Total Returns, 10 Years [Percent] |
1.95%
|
| Variable Universal Life Plus | HighYieldBondPortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
High Yield Bond Portfolio2
|
| Portfolio Company Objective [Text Block] |
High current income and capital appreciation
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
Federated Investment Management Company
|
| Current Expenses [Percent] |
0.46%
|
| Average Annual Total Returns, 1 Year [Percent] |
6.38%
|
| Average Annual Total Returns, 5 Years [Percent] |
3.71%
|
| Average Annual Total Returns, 10 Years [Percent] |
4.95%
|
| Variable Universal Life Plus | MultiSectorBondPortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Multi-Sector Bond Portfolio2
|
| Portfolio Company Objective [Text Block] |
Maximum total return, consistent with prudent investment management
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Portfolio Company Subadviser [Text Block] |
Pacific Investment Management Company LLC
|
| Current Expenses [Percent] |
0.75%
|
| Average Annual Total Returns, 1 Year [Percent] |
6.42%
|
| Average Annual Total Returns, 5 Years [Percent] |
0.93%
|
| Average Annual Total Returns, 10 Years [Percent] |
3.33%
|
| Variable Universal Life Plus | ActivePassiveBalancedPortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Active/Passive Balanced Portfolio2 (“Balanced Portfolio” until 06/30/25)
|
| Portfolio Company Objective [Text Block] |
Realize as high a level of total return as is consistent with reasonable investment risk through appreciation and income
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Current Expenses [Percent] |
0.47%
|
| Average Annual Total Returns, 1 Year [Percent] |
7.43%
|
| Average Annual Total Returns, 5 Years [Percent] |
4.76%
|
| Average Annual Total Returns, 10 Years [Percent] |
5.53%
|
| Variable Universal Life Plus | ActivePassiveModeratePortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Active/Passive Moderate Portfolio2 (“Asset Allocation Portfolio” until 06/30/25)
|
| Portfolio Company Objective [Text Block] |
Realize as high a level of total return as is consistent with moderate investment risk through appreciation and secondarily through income
|
| Portfolio Company Adviser [Text Block] |
MSA
|
| Current Expenses [Percent] |
0.53%
|
| Average Annual Total Returns, 1 Year [Percent] |
9.72%
|
| Average Annual Total Returns, 5 Years [Percent] |
6.17%
|
| Average Annual Total Returns, 10 Years [Percent] |
6.72%
|
| Variable Universal Life Plus | FidelityVIPMidCapPortfolioInitialClassMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Mid Cap Portfolio – Initial Class5
|
| Portfolio Company Objective [Text Block] |
Long-term growth of capital
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC (FMR)
|
| Current Expenses [Percent] |
0.57%
|
| Average Annual Total Returns, 1 Year [Percent] |
17.49%
|
| Average Annual Total Returns, 5 Years [Percent] |
11.34%
|
| Average Annual Total Returns, 10 Years [Percent] |
9.21%
|
| Variable Universal Life Plus | FidelityVIPContrafundPortfolioInitialClassMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP ContrafundSM Portfolio – Initial Class5
|
| Portfolio Company Objective [Text Block] |
Long-term capital appreciation
|
| Portfolio Company Adviser [Text Block] |
FMR
|
| Current Expenses [Percent] |
0.56%
|
| Average Annual Total Returns, 1 Year [Percent] |
33.79%
|
| Average Annual Total Returns, 5 Years [Percent] |
17.04%
|
| Average Annual Total Returns, 10 Years [Percent] |
13.62%
|
| Variable Universal Life Plus | SustainableEquityPortfolioMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Sustainable Equity Portfolio7
|
| Portfolio Company Objective [Text Block] |
Long-term growth of capital by investing primarily in securities of companies that meet the Portfolio’s environmental, social and governance criteria
|
| Portfolio Company Adviser [Text Block] |
Neuberger Berman Investment Advisers LLC
|
| Current Expenses [Percent] |
0.89%
|
| Average Annual Total Returns, 1 Year [Percent] |
25.84%
|
| Average Annual Total Returns, 5 Years [Percent] |
13.97%
|
| Average Annual Total Returns, 10 Years [Percent] |
11.44%
|
| Variable Universal Life Plus | USStrategicEquityFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
U.S. Strategic Equity Fund8
|
| Portfolio Company Objective [Text Block] |
Long-term growth of capital
|
| Portfolio Company Adviser [Text Block] |
Russell Investment Management LLC (RIM)
|
| Current Expenses [Percent] |
0.90%
|
| Average Annual Total Returns, 1 Year [Percent] |
20.50%
|
| Average Annual Total Returns, 5 Years [Percent] |
12.42%
|
| Average Annual Total Returns, 10 Years [Percent] |
11.07%
|
| Variable Universal Life Plus | USSmallCapEquityFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
U.S. Small Cap Equity Fund8
|
| Portfolio Company Objective [Text Block] |
Long-term growth of capital
|
| Portfolio Company Adviser [Text Block] |
RIM
|
| Current Expenses [Percent] |
1.14%
|
| Average Annual Total Returns, 1 Year [Percent] |
8.53%
|
| Average Annual Total Returns, 5 Years [Percent] |
8.00%
|
| Average Annual Total Returns, 10 Years [Percent] |
7.31%
|
| Variable Universal Life Plus | GlobalRealEstateSecuritiesFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Global Real Estate Securities Fund8
|
| Portfolio Company Objective [Text Block] |
Current income and long-term growth of capital
|
| Portfolio Company Adviser [Text Block] |
RIM
|
| Current Expenses [Percent] |
0.91%
|
| Average Annual Total Returns, 1 Year [Percent] |
1.42%
|
| Average Annual Total Returns, 5 Years [Percent] |
(0.20%)
|
| Average Annual Total Returns, 10 Years [Percent] |
2.75%
|
| Variable Universal Life Plus | InternationalDevelopedMarketsFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
International Developed Markets Fund8
|
| Portfolio Company Objective [Text Block] |
Long-term growth of capital
|
| Portfolio Company Adviser [Text Block] |
RIM
|
| Current Expenses [Percent] |
1.03%
|
| Average Annual Total Returns, 1 Year [Percent] |
2.78%
|
| Average Annual Total Returns, 5 Years [Percent] |
4.23%
|
| Average Annual Total Returns, 10 Years [Percent] |
4.70%
|
| Variable Universal Life Plus | StrategicBondFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Strategic Bond Fund8
|
| Portfolio Company Objective [Text Block] |
Provide total return
|
| Portfolio Company Adviser [Text Block] |
RIM
|
| Current Expenses [Percent] |
0.65%
|
| Average Annual Total Returns, 1 Year [Percent] |
0.83%
|
| Average Annual Total Returns, 5 Years [Percent] |
(0.87%)
|
| Average Annual Total Returns, 10 Years [Percent] |
1.04%
|
| Variable Universal Life Plus | LifePointsVariableTargetPortfolioSeriesModerateStrategyFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
LifePoints® Variable Target Portfolio Series Moderate Strategy Fund8
|
| Portfolio Company Objective [Text Block] |
Current income and moderate long-term capital appreciation
|
| Portfolio Company Adviser [Text Block] |
RIM
|
| Current Expenses [Percent] |
0.85%
|
| Average Annual Total Returns, 1 Year [Percent] |
6.48%
|
| Average Annual Total Returns, 5 Years [Percent] |
2.86%
|
| Average Annual Total Returns, 10 Years [Percent] |
3.67%
|
| Variable Universal Life Plus | LifePointsVariableTargetPortfolioSeriesBalancedStrategyFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
LifePoints® Variable Target Portfolio Series Balanced Strategy Fund8
|
| Portfolio Company Objective [Text Block] |
Above-average long-term capital appreciation and a moderate level of current income
|
| Portfolio Company Adviser [Text Block] |
RIM
|
| Current Expenses [Percent] |
0.90%
|
| Average Annual Total Returns, 1 Year [Percent] |
9.48%
|
| Average Annual Total Returns, 5 Years [Percent] |
5.00%
|
| Average Annual Total Returns, 10 Years [Percent] |
5.15%
|
| Variable Universal Life Plus | LifePointsVariableTargetPortfolioSeriesAggressiveStrategyFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
LifePoints® Variable Target Portfolio Series Aggressive Strategy Fund8
|
| Portfolio Company Objective [Text Block] |
High long-term capital appreciation; and as a secondary objective, current income
|
| Portfolio Company Adviser [Text Block] |
RIM
|
| Current Expenses [Percent] |
0.97%
|
| Average Annual Total Returns, 1 Year [Percent] |
11.94%
|
| Average Annual Total Returns, 5 Years [Percent] |
7.10%
|
| Average Annual Total Returns, 10 Years [Percent] |
6.50%
|
| Variable Universal Life Plus | LifePointsVariableTargetPortfolioSeriesEquityAggressiveStrategyFundMember |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
LifePoints® Variable Target Portfolio Series Equity Aggressive Strategy Fund8
|
| Portfolio Company Objective [Text Block] |
High long-term capital appreciation
|
| Portfolio Company Adviser [Text Block] |
RIM
|
| Current Expenses [Percent] |
1.00%
|
| Average Annual Total Returns, 1 Year [Percent] |
13.09%
|
| Average Annual Total Returns, 5 Years [Percent] |
7.58%
|
| Average Annual Total Returns, 10 Years [Percent] |
6.97%
|
| Variable Universal Life Plus | CommodityReturnStrategyPortfolioClass2Member |
|
| Prospectus: |
|
| Portfolio Company Name [Text Block] |
Commodity Return Strategy Portfolio – Class 210
|
| Portfolio Company Objective [Text Block] |
Total return
|
| Portfolio Company Adviser [Text Block] |
UBS Asset Management (Americas) LLC
|
| Current Expenses [Percent] |
0.80%
|
| Average Annual Total Returns, 1 Year [Percent] |
5.12%
|
| Variable Universal Life Plus | WaiverBenefitMember |
|
| Prospectus: |
|
| Name of Benefit [Text Block] |
Waiver Benefit: Selected Monthly Premium Benefit
|
| Purpose of Benefit [Text Block] |
For an Insured who has become totally disabled the company will make minimum premium payments equal to or greater than monthly charges without the Policy lapsing
|
| Optional Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
●Not available for all ages or underwriting classifications●The insured must become totally disabled while this benefit is in force, the disability must result from an accident or sickness, and the disability must last for at least six months●There is a charge for this benefit
|
| Name of Benefit [Text Block] |
Waiver Benefit: Selected Monthly Premium Benefit
|
| Variable Universal Life Plus | AdditionalPurchaseBenefitMember |
|
| Prospectus: |
|
| Optional Benefit Charge, Description [Text Block] |
Additional Purchase Benefit Charge18
|
| Optional Benefit Charge, When Deducted [Text Block] |
Monthly Processing Date
|
| Optional Benefit Charge, Representative [Text Block] |
Charge for Insured, Issue Age 0, Male |
|
$0.04 (monthly) per $1,000 of additional purchase benefit amount |
$0.02 (monthly) per $1,000 of additional purchase benefit |
|
| Optional Benefit Expense (of Benefit Base), Maximum [Percent] |
0.14%
|
| Optional Benefit Expense (of Benefit Base), Current [Percent] |
0.03%
|
| Optional Benefit Expense (of Benefit Base), Minimum [Percent] |
0.01%
|
| Optional Benefit Expense, Footnotes [Text Block] |
The charges for the Additional Purchase Benefit vary based on the Insured’s gender and Attained Age at the time the benefit is added to the Policy. The charges shown in the table may not be representative of the charges a particular Owner may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the Specified Amount and $200,000.19The Current Charge for the Maximum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Male, Benefit added at Attained Age 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Benefit added at Attained Age 38 for Male or Female.20The Current Charge for the Minimum Charge for the Additional Purchase Benefit Charge assumes that the Insured has the following characteristics: Female, Benefit added at Attained Age 36 and 38. The Guaranteed Maximum Charge for the Minimum Charge of the Additional Purchase Benefit Charge assumes that the Insured has the following characteristic: Male or Female, Benefit added at Attained Age 0.
|
| Name of Benefit [Text Block] |
Additional Purchase Benefit
|
| Purpose of Benefit [Text Block] |
Allows the Owner to purchase additional life insurance policies on the life of the Insured without proof of insurability
|
| Optional Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
●Not available for all ages or underwriting classifications●There is a charge for this benefit
|
| Name of Benefit [Text Block] |
Additional Purchase Benefit
|
| Variable Universal Life Plus | DeathBenefitGuaranteeMember |
|
| Prospectus: |
|
| Optional Benefit Charge, Description [Text Block] |
Death Benefit Guarantee Charge
|
| Optional Benefit Charge, When Deducted [Text Block] |
Monthly, on each Monthly Processing Date when the Death Benefit Guarantee is in force
|
| Optional Benefit Expense (of Benefit Base), Maximum [Percent] |
0.02%
|
| Optional Benefit Expense (of Benefit Base), Minimum [Percent] |
0.01%
|
| Name of Benefit [Text Block] |
Death Benefit Guarantee
|
| Purpose of Benefit [Text Block] |
Allows you to select a Death Benefit Guarantee Period during which the Policy is guaranteed not to terminate due to insufficient value in your Policy
|
| Optional Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
●Must be elected at issue●Monthly charges will reduce the value in your Policy during the guarantee period, which may eventually result in termination●There is a charge for this benefit
|
| Name of Benefit [Text Block] |
Death Benefit Guarantee
|
| Operation of Benefit [Text Block] |
Death Benefit Guarantee The Policy offers a Death Benefit Guarantee Period elected at issue. The Death Benefit Guarantee Period is optional and is elected on the application and established at issue by the applicant. A Death Benefit option change may result in changes to, or termination of, the Death Benefit Guarantee. There is a charge for the Death Benefit Guarantee (see “Fee and Expense Tables–Periodic Charges” and “Charges and Deductions–Monthly Policy Charges and Service Charges”). The Death Benefit Guarantee Period is shown on the Policy schedule pages. The Death Benefit Guarantee is available to protect the Policy from terminating during the Death Benefit Guarantee Period so long as the Death Benefit Guarantee Test is met. (See “Death Benefit Guarantee Test”). The Death Benefit Guarantee keeps the Policy in force when the Policy does not have enough Cash Surrender Value to pay the current Monthly Policy Charge and the Policy would otherwise terminate without value. (See “Termination and Reinstatement”). Please note that certain allocation or transfer restrictions may be affected by whether or not your Death Benefit Guarantee is active. (See “The Fixed Option-Restrictions on Amounts in the SAS Account and Government Money Market Division.”)When the Policy does not have sufficient Cash Surrender Value to pay the current Monthly Policy Charge and is being kept in force by the Death Benefit Guarantee, the Monthly Policy Charges will first reduce the Contract Fund Value, if any, to zero and will then accumulate as due and unpaid. Then, when you make a Premium Payment, we will deduct accumulated due and unpaid Monthly Policy Charges from Contract Fund Value. At the end of the Death Benefit Guarantee Period, if the Cash Surrender Value is less than the current Monthly Policy Charges, the Policy will enter the Policy Grace Period and an additional Premium Payment will be required to keep the Policy in force. (See “Termination and Reinstatement”).If the Policy is being kept in force by the Death Benefit Guarantee when the Insured dies, the gross amount of death proceeds will be the Guaranteed Minimum Death Benefit (“GMDB”) regardless of the Death Benefit option in effect. On the Date of Issue the GMDB equals the Specified Amount. After the Date of Issue, if there is a Policy change that changes the Specified Amount, including a Death Benefit option change, then the GMDB will equal the lessor of the current GMDB or the new Specified Amount.During the Death Benefit Guarantee Period, the Death Benefit Guarantee keeps the Policy from terminating, provided that the Death Benefit Guarantee Test is met. Unless the Death Benefit Guarantee was previously terminated, the Death Benefit Guarantee Test will be performed on each Monthly Processing Date during the Death Benefit Guarantee Period or until the Policy Anniversary nearest the Insured’s 121st birthday, if sooner. If the Death Benefit Guarantee Test is not met on a Monthly Processing Date, the Death Benefit Guarantee will enter a Death Benefit Guarantee Grace Period. The Death Benefit Guarantee Test is met provided that:(1)on the current Monthly Processing Date, (a) is greater than or equal to (b) where:(a)is the cumulative Premium Payments minus the sum of the following:●the cumulative withdrawals; and●principal loan balance (See “Policy Loans”); and(b)is the cumulative Death Benefit Guarantee Premiums for the current Monthly Processing Date;AND(2)the Death Benefit Guarantee Test has been met on all prior Monthly Processing Dates, and has not previously been terminated due to a loan or withdrawal causing the test to not be met.The Death Benefit Guarantee Test will be deemed to have been met on all prior Monthly Processing Dates during a Death Benefit Guarantee Grace Period if the required payment is paid prior to the expiration of the Death Benefit Guarantee Grace Period.Termination of Death Benefit Guarantee For Failure to Meet the Death Benefit Guarantee Test If on a Monthly Processing Date the Death Benefit Guarantee Test is not met, you will have 61 days to make an additional payment to keep the Death Benefit Guarantee, provided the Death Benefit Guarantee Period is not already scheduled to expire during that 61-day period. The Death Benefit Guarantee Grace Period will begin on the date we send you written notice of the amount of payment you must make. The minimum payment that you must make will be the amount necessary to meet the Death Benefit Guarantee Test at the end of the Death Benefit Guarantee Grace Period.The Death Benefit Guarantee will continue during the Death Benefit Guarantee Grace Period, terminating at the end of such period if you do not make the required payment. If you do not make the required payment, you will not be able to reinstate the Death Benefit Guarantee.When the Death Benefit Guarantee terminates, the Policy will still remain in force provided the Cash Surrender Value on the Monthly Processing Date is greater than the Monthly Policy Charges. If, however, this requirement is not met, the Policy will enter the Policy Grace Period, during which time you may still avoid termination of your Policy provided you make sufficient payments to keep your Policy in force. (See “Termination and Reinstatement”). If the Insured dies during the Death Benefit Guarantee Grace Period and the Death Benefit Guarantee is keeping the Policy in force, we will deduct from the Life Insurance Benefit the amount of the payment required to meet the Death Benefit Guarantee Test as of the last Monthly Processing Date preceding or on the date of death of the Insured.Example: John Doe elected a ten-year Death Benefit Guarantee Period when he purchased his policy and has met his Death Benefit Guarantee Test every month. On a monthly processing date in the eighth year, John’s policy has the following characteristics:Cash Surrender Value = $80
Monthly Policy Charges = $100
Cumulative Premiums to date = $20,000
Cumulative Withdrawals to date = $1,000
Principal Loan Balance = $0
Cumulative Monthly Death Benefit Guarantee Premiums = $18,000John’s policy does not have enough cash surrender value to cover monthly policy charges and would normally enter the policy grace period and eventually terminate. However, John’s policy does not enter the policy grace period because his cumulative premium amount (less withdrawals and loans) ($20,000 - $1,000 = $19,000) is greater than his cumulative monthly Death Benefit Guarantee Premium amount ($18,000), which was an amount determined when John purchased the policy. Amounts needed to cover the outstanding charges are deducted from the value of John’s policy.Death Benefit Guarantee Premium Suspension Your Policy may be eligible for Death Benefit Guarantee Premium Suspension as indicated on your Policy schedule pages. Death Benefit Guarantee Premium Suspension is tested on the month prior to your next Policy Anniversary. It sets the Death Benefit Guarantee Monthly Premium to zero beginning on the next Monthly Processing Date until the next Policy Anniversary (or earlier if a “Retest Event” occurs), so long as the Death Benefit Guarantee is active (and not in a Death Benefit Grace Period) and the Contract Fund Value is greater than or equal to the amount shown on the Table of Amounts for Determining Death Benefit Guarantee Premium Suspension (“Premium Suspension Table”) for a particular Monthly Processing Date shown in your Policy. A Retest Event is defined as a withdrawal, a Policy loan, a failure to pay accrued loan interest when due, or a change by the Owner to the terms of the Policy that could result in an increase in the Company’s risk under the Policy. If a Retest Event occurs, the Death Benefit Guarantee Premium Suspension will continue so long as immediately after the Retest Event the Death Benefit Guarantee Test is met and the Contract Fund Value is greater than or equal to the amount shown in the Premium Suspension Table for the Monthly Processing Date adjusted proportionately for any reduction to the Guaranteed Minimum Death Benefit resulting from the Retest Event.Example: Jane Doe elected a ten-year Death Benefit Guarantee Period when she purchased her policy and has met her Death Benefit Guarantee Test every month. On the monthly processing date prior to her eighth policy anniversary, Jane’s policy had the following characteristics:Cumulative Premiums to date = $50,000
Cumulative Monthly Death Benefit Guarantee Premiums = $20,000
Contract Fund Value = $90,000
Death Benefit Guarantee Premium Suspension Amount = $85,000Because the Contract Fund Value of Jane’s policy is greater than the Death Benefit Guarantee premium suspension amount shown in her policy, her policy passes the Death Benefit Guarantee Premium Suspension test and her monthly Death Benefit Guarantee premium amount is reduced to $0, meaning she will continue to pass the monthly Death Benefit Guarantee test until the earlier of her next Policy Anniversary or a Retest Event.
|
| Variable Universal Life Plus | DeathBenefitGuaranteePremiumSuspensionMember |
|
| Prospectus: |
|
| Name of Benefit [Text Block] |
Death Benefit Guarantee Premium Suspension
|
| Purpose of Benefit [Text Block] |
Allows for the suspension of required premiums during the Death Benefit Guarantee Period until your next Policy Anniversary
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
●May expire earlier than your next Policy Anniversary under certain circumstances (i.e., “retest events”)
|
| Name of Benefit [Text Block] |
Death Benefit Guarantee Premium Suspension
|
| Variable Universal Life Plus | IncomePlansMember |
|
| Prospectus: |
|
| Name of Benefit [Text Block] |
Income Plans
|
| Purpose of Benefit [Text Block] |
In lieu of a lump sum, the Death Benefit and surrender proceeds may be payable in a monthly (or less frequent) payments over a period of time
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
●Must be selected by Owneror the Direct or Contingent Benificiary●Payments are subject to fixed rates and not investment performance of the Portfolios
|
| Name of Benefit [Text Block] |
Income Plans
|
| Operation of Benefit [Text Block] |
Income Plans Upon the death of the Insured, if an Income Plan was not previously elected by you and in lieu of a lump sum or other payment agreed to by the Company, the beneficiary may elect to receive his or her share (or name and change beneficiaries –see “Other Policy Provisions – Naming a Beneficiary”) of the Life Insurance Benefit by either of the fixed Income Plan options noted below. Payments under a fixed Income Plan option are not affected by the investment performance of the Divisions after the date of surrender or the date of the Insured’s death. Nothing in this section shall be construed to otherwise contradict the order of payment of the Life Insurance Benefit as described in the Policy, designated by you or under applicable law.Payments under fixed Income Plan options will be based on rates declared by the Company on the effective date of the Income Plan. The monthly income payment rates applicable to life Income Plans are based on interest rates applicable to amounts as of the date of death of the Insured according to the Policy as well as additional interest at a rate of 10% annually beginning 31 calendar days after the latest of (a) proof of the date of death is received by the Company, (b) the Company has all the information it needs to determine liability and the appropriate payees, or (c) any legal impediments (e.g., court guardian or executor actions) are properly satisfied. There is no additional charge for electing an Income Plan option. We may offer additional Income Plans.●Single Life Income We will make monthly payments for the selected certain period. The options for the certain period are zero years (i.e., no certain period), ten years, or twenty years. If the payee lives longer than the certain period, payments will continue for his or her life. In cases where a ten or twenty year certain period is elected, if the payee dies before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries your beneficiary designates. Where a certain period of zero years was selected and the Income Plan beneficiary dies before the first scheduled payment, then no payments will be paid.●Joint and Survivor Life Income We will make monthly payments for a 10-year certain period, and thereafter for as long as either of the individuals upon whose lives income payments are based is living. If both payees die before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries or to beneficiaries your beneficiary designates.In general, the monthly payments under a joint and survivor life Income Plan will be lower than, but may be payable for a longer period than, a single life Income Plan.The Owner may elect an Income Plan for each beneficiary’s share of the Life Insurance Benefit:●while the Insured is living; or●during the first 60 days after the death of the Insured, if the Insured at the time of his or her death was not the Owner. An election made during that 60-day period may not be revoked.An Owner may make or change Income Plan elections by contacting the Home Office or an authorized Financial Representative may provide us with an election on behalf of a Policy Owner subject to our current procedures, rules and requirements.Subject to the Owner’s rights, and upon providing any information that we may require, a direct or contingent beneficiary may elect an Income Plan for his or her share of the Life Insurance Benefit and/or name his or her own beneficiary for the Income Plan value, if any, remaining on his or her death. If no such Income Plan beneficiary is named, then the Income Plan beneficiary for the remaining value, if any, shall be the estate of the deceased direct or contingent beneficiary. Income Plan beneficiaries may continue to receive payments of the remaining value under the terms of the Income Plan in effect on the death of the direct or contingent beneficiary.Withdrawal The remaining value, if any, in an Income Plan may be withdrawn in a lump sum upon the death of all individuals upon whose lives income payments are based. The withdrawal value will be the present value of any unpaid payments for the remaining certain period. The present value will be based on the rate of interest used to determine the amount of the payments.Limitations If a trust is named as a beneficiary and no qualified trustee claims the Life Insurance Benefit within one year after the claim is determined to be payable, payment of the Life Insurance Benefit will be paid as though the trust had not been named as a beneficiary. The Company is not responsible for actions taken by the trustee and will not be charged with notice of any change of trustee unless written evidence of the change is received at the Home Office.Payment Frequency Upon written request, we will make payments once every 3, 6, or 12 months instead of each month.Example: John Doe was the owner and insured of a policy and had elected a single life income plan for a ten-year certain period. Upon his death, in lieu of paying life insurance proceeds from the policy to his wife Jane, his beneficiary, in a lump sum, the Company made reduced amounts of monthly payments to her spread out over that time period while the remaining balance earned interest.
|
| Variable Universal Life Plus | ExchangeforaFixedBenefitPolicyMember |
|
| Prospectus: |
|
| Name of Benefit [Text Block] |
Exchange for a Fixed Benefit Policy
|
| Purpose of Benefit [Text Block] |
Allows you to exchange your Policy for a life insurance policy with benefits that do not vary with the investment experience of the underlying Portfolios
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
●Requires premium payments be paid●There may be a cost associated with exchange●Exchange may have tax consequences
|
| Name of Benefit [Text Block] |
Exchange for a Fixed Benefit Policy
|
| Operation of Benefit [Text Block] |
Exchange for a Fixed Benefit Policy Depending on your state of issue, we may allow you to exchange your Policy for a life insurance policy with benefits that do not vary with the investment experience of the Separate Account (“Fixed Benefit Policy”) at any time within the period allowed by your state provided premiums are paid. We reserve the right to require evidence of insurability. Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insured and will have a Death Benefit at least as great as the initial Death Benefit of your Policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the Policy through the effective date of the exchange and may have tax consequences. An exchange will be effective when we receive a proper written request, as well as the Policy, and any amount due on the exchange.In addition, irrespective of your state of issue, you may exchange a Policy for a Fixed Benefit Policy if, at any time, a Fund changes its investment adviser, if there is a material change in the investment policies of a Portfolio that was approved by Owners, or the Portfolio is substituted for another portfolio (see “Other Policy Transactions-Substitution of Portfolio Shares and Other Changes”). There may be a cost associated with the exchange. You will be given notice of any such change and will have 60 days to make the exchange.Example: John Doe lives in California and is the owner and insured of a a variable universal life plus policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the underlying portfolios in which the separate account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the Company’s requirements, John has up to six more months to exchange his variable policy for a fixed policy without the Company requiring evidence of insurability.Paid-up Insurance Upon written request to the Company, you may change your Policy to Paid-up insurance. Your election to convert to Paid-up insurance is irrevocable. To convert your Policy, the Cash Surrender Value must be at least $1,000 and the Policy must have been in force for at least 18 months from the Policy Date. This feature is not available for policies issued in certain states where the Guideline Premium/Cash Value Corridor Test (see “Minimum Death benefit”) was elected at issue. See Appendix B for more information about whether your state of issue affects the availability of Paid-up insurance.If the request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the effective date of change to Paid-Up insurance will be that date. If the request is not received on a Monthly Processing Date, or on or after the close of trading on the NYSE on a Monthly Processing Date, the change will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.On the date the Policy is changed to Paid-Up insurance, we deduct any applicable surrender charge and we transfer the Contract Fund Value to the Company’s General Account. Any outstanding Policy Debt continues. The Specified Amount will be changed to the Paid-up Specified Amount. The Paid-up Specified Amount is calculated as the Policy Value (after deducting the surrender charge and any withdrawals as of the date of the change) divided by the factor for the Paid-up insurance option shown on the Policy schedule pages. The Death Benefit option will be changed to Option A, and any Death Benefit Guarantee and any additional benefits will be terminated. The definition of life insurance will be changed to the Cash Value Accumulation Test (please see “Death Benefit – Minimum Death Benefit” for more information).After the transfer, the Policy Value will equal the Contract Fund Value plus any Policy Debt except that Policy Value (excluding loans) will not be less than the Paid-Up Specified Amount multiplied by the factor for the Paid-up insurance shown on the Policy schedule pages (“Guaranteed Minimum Paid-Up Policy Value”).When the Policy is in force as Paid-up insurance, you will not be permitted to make additional Premium Payments, change Death Benefit options or the Specified Amount, or add optional benefits to the Policy. Subject to certain restrictions, you are permitted to make withdrawals and loan repayments and take out additional loans. Loans and withdrawals reduce the Contract Fund Value and may increase the chance the Policy will terminate without value. A withdrawal can be requested by the Owner (see “Surrender and Withdrawals of Policy Value”) or may be the result of a return of a portion of Premium Payments that is necessary for the Policy to qualify as life insurance (see “Tax Considerations”). Withdrawals may reduce the Paid-up Specified Amount. The Contract Fund Value will earn interest at an annual effective rate determined by the Company that may change no more frequently than once a year and at no time will the annual effective interest rate be less than the minimum Paid-up Minimum Guaranteed Annual Effective Interest Rate shown in the Policy schedule pages. On any day after the effective date, the Contract Fund Value is equal to the Contract Fund Value at the end of the previous day plus any of the following items applicable for the current day:●interest;●any loan repayment and accrued loan interest payment made; and●any Policy dividend directed to increase the Policy Value;minus any of the following items applicable to the Contract Fund Value for the current day:●a Monthly Policy Charge;●Policy loans;●withdrawals; and●service charges.When the Policy is in force as Paid-Up insurance, the Monthly Policy Charge consists of the Monthly Policy Debt Expense Charge and the Monthly Cost of Insurance Charge. These charges may be reduced in order to ensure the Policy Value is not less than the Guaranteed Minimum Paid-Up Policy Value.Example: Jane Doe is the owner and insured of a variable universal life plus policy with an Additional Purchase Benefit rider and a Death Benefit Guarantee that has been in force for three years. Her policy has the following characteristics as of a monthly processing date: Cash Surrender Value = $200,000
Specified Amount = $500,000
Factor for Paid-up Option in the current policy month (from the policy schedule pages) = 0.8Jane decides she would rather own a paid-up policy that will earn a fixed rate of interest and will not require additional premium payments. Because Jane’s policy has the required minimum amount of cash surrender value and has been in force long enough, she is able to convert her policy to a paid-up policy. Her new policy, however, will not have any benefits and the specified amount of her death benefit will be reduced to her policy value divided by the factor set form in her policy at issue, in this case reducing her specified amount from $500,000 to $250,000 (i.e., $200,000 / 0.8 = $250,000).
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| Variable Universal Life Plus | PaidupInsuranceMember |
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| Prospectus: |
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| Name of Benefit [Text Block] |
Paid-up Insurance
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| Purpose of Benefit [Text Block] |
Under certain conditions allows the Owner to change the Policy to a policy free of minimum premium payment obligations
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| Standard Benefit [Flag] |
true
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| Brief Restrictions / Limitations [Text Block] |
●Must be selected by Owner●Election is irrevocable●Policy Debt and charges continue●When in force as Paid-up insurance, no additional premium is allowed on the Policy, your Death Benefit option will be irrevocably changed and you may not add optional benefits to the Policy
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| Name of Benefit [Text Block] |
Paid-up Insurance
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| Variable Universal Life Plus | DollarCostAveragingMember |
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| Prospectus: |
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| Name of Benefit [Text Block] |
Dollar Cost Averaging
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| Purpose of Benefit [Text Block] |
On a monthly basis, automatically transfers a specific amount from the Government Money Market Division into the other Divisions you have selected
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| Standard Benefit [Flag] |
true
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| Brief Restrictions / Limitations [Text Block] |
●Must be selected by Owner●The SAS Account is not included in dollar cost averaging
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| Name of Benefit [Text Block] |
Dollar Cost Averaging
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| Operation of Benefit [Text Block] |
Dollar-Cost Averaging With Dollar-Cost Averaging (“DCA”), you can arrange to have a designated amount of money (either a fixed dollar amount or a fractional amount) automatically transferred monthly in allowable amounts from the Government Money Market Division into other Division(s) you have chosen. Transfers will end either when the amount in the Government Money Market Division is depleted or when you submit a request to our Home Office to stop such transfers, whichever is earlier. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner’s Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at www.northwesternmutual.com (“Electronic Instructions”) in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. There is no charge for DCA. We reserve the right to modify or terminate the DCA Plan at any time. DCA does not ensure a profit or protect against loss in a declining market. Carefully consider your willingness to continue Premium Payments during periods of declining markets. You should consult your Financial Representative before deciding whether to elect DCA.
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| Variable Universal Life Plus | PortfolioRebalancingMember |
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| Prospectus: |
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| Name of Benefit [Text Block] |
Portfolio Rebalancing
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| Purpose of Benefit [Text Block] |
Automatically rebalances the Divisions you select (either monthly, quarterly, semi-annually or annually) to maintain your chosen allocations among the Divisions
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| Standard Benefit [Flag] |
true
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| Brief Restrictions / Limitations [Text Block] |
●Must be selected by Owner●The SAS Account is not included in portfolio rebalancing
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| Name of Benefit [Text Block] |
Portfolio Rebalancing
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| Operation of Benefit [Text Block] |
Portfolio Rebalancing Over time, portfolio rebalancing helps you maintain your allocations among the Divisions. If you elect portfolio rebalancing, amounts invested in the Divisions are periodically rebalanced in accordance with our procedures, to return your allocation to the percentages you specify. Portfolio rebalancing may reduce amounts allocated to better performing Divisions. Please note that the SAS Account is not included in portfolio rebalancing.You may choose to rebalance monthly, quarterly, semi-annually or annually. We do not charge a transfer fee for portfolio rebalancing. Subject to any limitations imposed by our short-term and excessive trading policies and procedures, you may elect portfolio rebalancing and modify or terminate your election at any time by submitting a request to our Home Office. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner’s Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at www.northwesternmutual.com (“Electronic Instructions”) in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. If you make transfers through our website, your portfolio rebalancing will end and you will need to make a new election if you want portfolio rebalancing to continue. We may modify, limit, suspend, or discontinue this feature at any time.
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| Variable Universal Life Plus | AssetAllocationModelsMember |
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| Prospectus: |
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| Name of Benefit [Text Block] |
Asset Allocation Models
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| Purpose of Benefit [Text Block] |
Allocation models are available that comprise a combination of Divisions representing various asset classes with various levels of risk tolerance.
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| Standard Benefit [Flag] |
true
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| Brief Restrictions / Limitations [Text Block] |
●Must be selected by Owner●Only one model is available at a time●Models are “static” which means the percentage allocations among the Divisions under a Model will not change. Therefore the Owner must make an affirmative election to change models●Available models may change in the future
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| Name of Benefit [Text Block] |
Asset Allocation Models
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| Operation of Benefit [Text Block] |
Asset Allocation Models The Company currently makes available allocation models at no extra charge for amounts invested in the Divisions. An Owner can select only one model at a time. Each of the four models currently available (Moderately Conservative, Balanced, Aggressive, Very Aggressive) is comprised of a combination of Divisions that hold Portfolios representing various asset classes with various levels of risk tolerance. Generally, the four models can be characterized as follows:
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This combination of Divisions has Portfolios that generally invest in fixed income securities and a mix of equity securities with a majority emphasis on fixed income investments in order to preserve principal, provide liquidity and income and to seek modest growth. |
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This combination of Divisions has Portfolios that generally invest in a mix of fixed income and equity securities in order to preserve principal and pursue sustained long-term growth without the volatility of high- risk investments. |
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This combination of Divisions has Portfolios that generally invest in a mix of equity securities and some fixed income securities in order to primarily pursue long-term growth while willing to accept the volatility associated with high-risk investments. |
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This combination of Divisions has Portfolios that invest in almost entirely in a variety of equity securities in order to achieve higher potential growth while assuming the risks and higher volatility associated with these securities. | An Owner may only select a model which is currently available. Any investment allocations outside of an Owner’s original model must be made by the Owner, and will not be made by the Company. The Company does not provide investment advice regarding whether a model should be revised or whether it remains appropriate to invest in accordance with any particular model due to performance, a change in an Owner’s investment needs or for other reasons. If an Owner wishes to remove Portfolios from an Owner’s model and/or change allocations to a current model, the Owner may do so by notifying us in writing, contacting their Financial Representative or by calling (866) 464-3800. There will be no automatic rebalancing to these models unless the Owner chooses the automatic rebalancing option. Please note that investment in a model does not eliminate the risk of loss and it does not protect against losses in a declining market. An Owner should contact their Financial Representative for more information about available allocation models (including the specific asset mixes of available models) and whether investment in a model is appropriate for them. Models may not be available for Policies with allocated amounts to the SAS Account.Available models may change from time to time, but you must make an affirmative election to change models. The Company reserves the right to modify, suspend, or terminate any asset allocation model at any time without affecting an Owner’s current allocation, except in limited circumstances involving a Substitution (see “Substitution of Portfolio Shares and Other Changes” below for more information regarding the substitution of a Portfolio) or the elimination of a Portfolio as an investment option under the Policy pursuant to other applicable SEC regulatory guidance. In that case, allocations in a Portfolio within a model (Original Portfolio) will be transferred to a different Portfolio if the Original Portfolio becomes no longer available (e.g., a substitution, merger, or liquidation), in which case the Company will send written notice in advance of such event. If an Owner is invested in a model that is no longer offered and initiates a change outside of the original model allocations, the Owner will not be able to select the original model (see “Transfers” above for more information about how to change portfolio allocations).Please note that investment according to an allocation model may result in an increase in assets allocated to Portfolios managed by an investment adviser affiliated with the Company, and therefore a corresponding increase in Portfolio management fees collected by such adviser and may present a conflict of interest.
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| Variable Universal Life Plus | FederalDeferredAcquisitionCostMember |
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| Prospectus: |
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| Premium Taxes, Description [Text Block] |
Federal Deferred Acquisition Cost Charge1
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| Premium Taxes, When Deducted [Text Block] |
Upon each Premium Payment
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| Premium Taxes (of Premium Payments), Current [Percent] |
0.55%
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| Premium Taxes, Footnotes [Text Block] |
This charge was previously referred to as the “OBRA Expense Charge” or “Other Premium Expense Charge.” Due to a federal tax law change under the Omnibus Budget Reconciliation Act of 1990, as amended (“OBRA”), insurance companies are generally required to capitalize and amortize certain acquisition expenses rather than currently deduct such expenses. Due to this capitalization and amortization, the corporate income tax burden on insurance companies has been affected. This charge compensates us for the additional corporate income tax burden resulting from OBRA.
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| Variable Universal Life Plus | ChangingDeathBenefitOptionsMember |
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| Prospectus: |
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| Other Transaction Fee, Description [Text Block] |
Change in Death Benefit Option Fee6
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| Other Transaction Fee, When Deducted [Text Block] |
Upon change in Death Benefit option
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| Other Transaction Fee, Maximum [Dollars] |
$ 25.00
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| Variable Universal Life Plus | ChangeinSpecifiedAmountMember |
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| Prospectus: |
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| Other Transaction Fee, Description [Text Block] |
Change in Specified Amount Fee6
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| Other Transaction Fee, When Deducted [Text Block] |
Upon change in Specified Amount
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| Other Transaction Fee, Maximum [Dollars] |
$ 25.00
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| Variable Universal Life Plus | RequestforAdditionalIllustrationMember |
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| Prospectus: |
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| Other Transaction Fee, Description [Text Block] |
Request for Additional Illustration Charge6,7
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| Other Transaction Fee, When Deducted [Text Block] |
Upon request for more than one illustration in a Policy Year
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| Other Transaction Fee, Maximum [Dollars] |
$ 25.00
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| Other Transaction Fee (of Other Amount), Footnotes [Text Block] |
An illustration of the Policy’s future benefits and values is provided once a Policy Year at no charge upon request.
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| Variable Universal Life Plus | ExpeditedDeliveryMember |
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| Prospectus: |
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| Other Transaction Fee, Description [Text Block] |
Expedited Delivery Charge6,8
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| Other Transaction Fee, When Deducted [Text Block] |
When express mail delivery is requested
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| Other Transaction Fee, Maximum [Dollars] |
$ 50
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| Other Transaction Fee, Current [Dollars] |
$ 15
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| Other Transaction Fee (of Other Amount), Footnotes [Text Block] |
This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.9The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time of the charge, divided by the CPI for April, 2018. “CPI” means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by Northwestern Mutual to serve the same purpose.
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| Variable Universal Life Plus | WireTransferMember |
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| Prospectus: |
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| Other Transaction Fee, Description [Text Block] |
Wire Transfer Fee6,8
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| Other Transaction Fee, When Deducted [Text Block] |
When a wire transfer is requested
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| Other Transaction Fee, Maximum [Dollars] |
$ 50
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| Other Transaction Fee, Current [Dollars] |
$ 25
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| Other Transaction Fee (of Other Amount), Footnotes [Text Block] |
This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.9The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time of the charge, divided by the CPI for April, 2018. “CPI” means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by Northwestern Mutual to serve the same purpose.
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| Variable Universal Life Plus | PolicyDebtMember |
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| Prospectus: |
|
| Optional Benefit Charge, Description [Text Block] |
Policy Debt Expense Charge11
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| Optional Benefit Charge, When Deducted [Text Block] |
Monthly, on each Monthly Processing Date when there is Policy Debt
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| Optional Benefit Expense (of Benefit Base), Maximum [Percent] |
0.17%
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
0.0592%
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| Optional Benefit Expense (of Benefit Base), Minimum [Percent] |
0.0175%
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| Optional Benefit Expense, Footnotes [Text Block] |
This charge is deducted from Contract Fund Value when there is Policy Debt and is intended to cover the costs associated with loans. This charge, that has a guaranteed maximum rate of 2%, encompasses any loan interest spread, which is the difference between the interest rate charged on policy loan amounts and the interest rate credited on amounts designated as collateral for the loan. The interest rates charged to loan amounts and credited to collateral are adjustable but are subject to a guaranteed maximum difference of 2%. When the insured is at or above Attained Age 100, the current Policy Debt Expense Charge is 0.00%. Please see “Policy Loans” in the Prospectus for more information regarding how the loan interest rate is calculated.
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| Variable Universal Life Plus | UnderwritingandIssueMember |
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| Prospectus: |
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| Optional Benefit Charge, Description [Text Block] |
Underwriting and Issue Charge12
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| Optional Benefit Charge, When Deducted [Text Block] |
Monthly, on each Monthly Processing Date during the first ten Policy Years
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| Optional Benefit Charge, Representative [Text Block] |
Charge for Insured Age 35, Male, Premier Non- Tobacco underwriting classification |
|
|
|
|
| Optional Benefit Expense (of Benefit Base), Maximum [Percent] |
0.026%
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| Optional Benefit Expense (of Benefit Base), Minimum [Percent] |
0.005%
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| Optional Benefit Expense, Footnotes [Text Block] |
The current minimum Specified Amount is $100,000 for Issue Ages 18-75 and $50,000 for Issue Ages 0-17.13The Maximum Charge for the Underwriting and Issue Charge assumes that the Insured has the following characteristics: Issue Age 25, Class 1 to 9 Non- Tobacco/Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.14The Minimum Charge for the Underwriting and Issue Charge assumes that the Insured has the following characteristics: Issue Age 55, Premier, Preferred; and Standard Plus Non-Tobacco/Occasional Tobacco; Premier and Preferred Tobacco underwriting classification.
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| Variable Universal Life Plus | SelectedMonthlyPremiumBenefitMember |
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| Prospectus: |
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| Optional Benefit Charge, Description [Text Block] |
Selected Monthly Premium Benefit Charge15
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| Optional Benefit Charge, When Deducted [Text Block] |
Monthly, on each Monthly Processing Date
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| Optional Benefit Charge, Representative [Text Block] |
Charge for Insured Age 0, Male, Premier Non- Tobacco underwriting classification |
|
|
|
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| Optional Benefit Expense (of Benefit Base), Maximum [Percent] |
0.09%
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
1.00%
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| Optional Benefit Expense (of Benefit Base), Minimum [Percent] |
0.003%
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| Optional Benefit Expense, Footnotes [Text Block] |
The charges for the Selected Monthly Premium Benefit vary based on the Insured’s Attained Age, underwriting classification, and “Selected Monthly Premium,” and may increase from year to year. Selected Monthly Premium is an amount the Owner selects subject to a maximum permitted amount. The charges shown in the table may not be representative of the charges a particular Owner may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the Insured, for the credit of the greater of (1) the Selected Monthly Premium or (2) the amount needed to provide for the credit of the “Specified Monthly Charges” (current Monthly Policy Charges excluding the Monthly Policy Debt Expense Charge and the charge for this benefit). (See “Other Benefits Available Under the Policy—Optional Benefits Available for a Charge” in the Prospectus for more information about this benefit.) The monthly charge for this benefit is the greater of the selected monthly premium rate times the Selected Monthly Premium or the specified monthly charges rate times the Specified Monthly Charges. If this optional benefit is selected, the maximum rates are shown in your Policy.16The Maximum Charge for the Selected Monthly Premium Benefit assumes that the Insured has the following characteristics: Attained Age 57, standard underwriting classification for Selected Monthly Premium and attained Age 59, standard underwriting classification for Specified Monthly Charges.17The Minimum Charge for the Selected Monthly Premium Benefit assumes that the Insured has the following characteristics: Attained Ages 0-17, standard underwriting classification. This assumes the amount of the charge determined by the Selected Monthly Premium is greater than the amount of the charge determined by the Specified Monthly Charges.
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| Variable Universal Life Plus | SpecifiedMonthlyChargesMember |
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| Prospectus: |
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| Optional Benefit Expense (of Benefit Base), Maximum [Percent] |
0.14%
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| Optional Benefit Expense (of Benefit Base), Current [Percent] |
0.05%
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