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Northwestern Mutual has the highest financial strength ratings1 awarded to any life insurer by all four of the major rating agencies. Why are financial strength ratings important? Ratings are based on financial strength, overall operations and claims-paying ability. Our high ratings recognize our solid financial footing, which helps us deliver on product guarantees and create the financial capacity to pay dividends.2 We expect to pay $5.6 billion in total dividends to policyowners in 2016, including industry-leading dividends on life and disability insurance.3

1Ratings are for Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company, as of the most recent review and report by each rating agency. Northwestern Mutual's ratings: A.M. Best Company A++ (highest), 5/2016; Fitch Ratings AAA (highest), 5/2016; Moody's Investors Service Aaa (highest), 1/2016; Standard & Poor's AA+ (second highest), 7/2014. Ratings are subject to change.
2While dividends are not guaranteed, Northwestern Mutual has paid dividends to its life insurance policyowners every year since 1872.
3Northwestern Mutual’s analysis of ordinary life insurance dividends based on historical SNL data. Decisions with respect to the determination and allocation of divisible surplus as dividends each year are left to the discretion and sound business judgment of the company’s Board of Trustees. There is no guaranteed specific method or formula for the determination or allocation of divisible surplus. Accordingly, the company’s approach is subject to change. Neither the existence nor the amount of a dividend is guaranteed on any policy in any given policy year.