Refund Policy

EFFECTIVE DATE: NOVEMBER 30, 2025

Northwestern Mutual Life Insurance provides financial and insurance products. This Refund Policy outlines our terms for premium refunds and cancellations, effective as of November 30, 2025.

PREMIUM REFUNDS

• Free-Look Period: Most policies include a 30-day free-look period. Cancel within 30 days of policy delivery for a full premium refund.

• After Free-Look Period: Refunds depend on policy type and state regulations. Contact us for exact details.

• Processing Time: Refunds issued within 10–14 business days to original payment method.

CANCELLATION & SURRENDER

• Life insurance cancellations after free-look may result in no refund or surrender value only.

• Disability, long-term care, and annuity products follow specific contract terms.

HOW TO REQUEST A REFUND

1. Contact us at (866) 950-4644 or contact@nmlInsurance.us

2. Provide policy number and reason for cancellation.

3. We’ll guide you through the process and confirm eligibility.

NON-REFUNDABLE ITEMS

• Application fees (if applicable)

• Exam or medical underwriting costs

• Short-rate cancellations on certain commercial policies

CONTACT US

📞 (866) 950-4644 📧 contact@nmlInsurance.us 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202, United States