The Clients’ Company

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“Mutual” Means We Focus On You

Of all the reasons clients value Northwestern Mutual as their partner on the path to financial security, one has special meaning. It’s the very structure of the company – as a “mutual.” In fact, we are a pre-eminent example of the power that’s built into this form of corporate governance.

Our mutual structure means we manage the company in the best interest of you, our clients. We can act differently than public companies, which typically must split their focus between clients and shareholders – with profits going to shareholders.

For 160 years, generations of company leaders have considered every decision in light of one standard: Is this in the best interests of our clients?

The benefits of this business structure are carried out in values like these:

  • Being the clients’ company. For 160 years, generations of company leaders have considered every decision in light of one standard: Is what we’re doing in the best long-term interests of our clients?
  • Taking a long-term view. Being a mutual gives us more freedom to take a long-term investment approach with the assets that back our insurance products, rather than meet the short-sighted expectations of quarterly earnings reports.
  • Building long-term relationships. Our financial representatives and advisors are focused on understanding your goals. That helps you create a plan and take action through a full spectrum of integrated solutions to address risk management, wealth accumulation, and wealth preservation and distribution. They work with you through a distinctive planning process designed to address your unique goals and give you confidence in your financial security.
  • Building and preserving financial strength. We maintain financial strength through careful management of policyowner funds – to keep our long-term financial promises.
  • Listening. Key to this goal is how our financial representatives or advisors work with you. And, since 1907, our board of trustees has annually named a Policyowners’ Examining Committee to produce an independent and unrestricted evaluation of company operations, management and strategic plans. This committee’s report is published each year in our annual report.

What We Do Only Matters Because It Impacts Real Lives

"We are able to move forward," Courtney says, "because I am confident in our financial security right now and in our future."

See the Thornton Family's Story

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Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Life and disability insurance, annuities, and life insurance with long-term care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Long-term care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Securities are offered through Northwestern Mutual Investment Services, LLC, (NMIS) a subsidiary of NM, broker-dealer, registered investment adviser, member FINRA and SIPC. Fiduciary and fee-based financial planning services are offered through Northwestern Mutual Wealth Management Company® (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial professionals. Not all products and services are available in all states.