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Term or Permanent Life Insurance: Which Option is Right for You?

In this guide you’ll learn:

  • The basics of life insurance —in simple, easy-to-understand terms
  • Top reasons you should own life insurance
  • The tax benefits of life insurance

Online Privacy Statement

Last revised: September 23, 2015

This statement discloses the privacy practices for the website located at www.lifeinsurance.com (this “site”), and includes:

  • What information is gathered/tracked
  • How the information is used; and
  • Who information is shared with.

Questions regarding this statement should be directed to the site coordinator.

Summary

This site collects no personally identifying information about individuals (except when specifically and knowingly provided by such individuals). Northwestern Mutual will not release any of said information about you without your permission, unless permitted or required by law or except as expressly set forth herein.

What Information the Site Collects

This site gathers two types of information about people who visit our site: (1) information and data you provide voluntarily, including information and data you provide voluntarily (for example, information you provide in connection with requesting additional materials); and (2) aggregated tracking information such as IP address and home server information.

This website does not contain any functionality to respond to or honor Web browser “do not track” signals or other similar mechanisms, and thus does not respond to or honor such signals or mechanisms.

This website does not enable third parties to collect personally identifiable information about an individual consumer’s online activities over time and across different websites when a consumer visits this website.

Hyperlinks

This website may contain hyperlinks or "links," to and from other Internet sites. These sites may have different privacy practices from our website. Our Online Privacy Statement applies solely to our site. Please review the online privacy statements of any other Internet sites you may visit. These links also do not imply an affiliation between Northwestern Mutual and the site owner, or any endorsement, approval or verification of any content contained on other websites.

Cookies and Web Beacons

A cookie is a small piece of information a website can store on your computer. This small text file contains a unique identification number that is transferred from a website to the hard drive of your computer so that the site administrator may identify your computer and passively track its activities on the website. This unique number identifies your Web browser to our computer system whenever you visit our site. A cookie will not allow a website to learn any personally identifiable information (such as your real name and address) that you have not otherwise disclosed.

Cookies are currently used on most major websites and have become an industry standard. Most Web browser preferences can be adjusted to alert you that a cookie will be sent to your hard drive, or you can refuse to receive a cookie. While this website does not require you to use cookies, it is possible that certain services may not function properly if you choose to refuse to receive a cookie.

Clear GIFs or single-pixel GIFs, known as Web beacons, are small files that are placed on Web pages. Web beacons work with cookies and assist in gathering website statistics such as unique visitors and the number of times individual pages are displayed.

This site uses two types of cookies. We use session cookies to ensure better performance and a more enjoyable and consistent user experience from your entry point into our site. Session cookies are also used on the password-protected area of www.northwesternmutual.com, an area that can be accessed through this site. A session cookie is a small text file that is sent to your browser when you access the site and is then stored temporarily in memory. The session cookie is available only during the course of the browser session; the information is not sent to or stored on your computer's hard drive. Closing your browser or logging off will invalidate the session cookie.

In addition, this site uses machine cookies, also known as persistent cookies. This site uses persistent cookies in connection with gathering website statistics through the Adobe website analytic services discussed below. This information is only collected in aggregate form. No personal information is collected.

This site also uses Web beacons and persistent cookies in connection with online marketing. In connection with this program, this site collects the IP address of the visitor to the site and the IP address information is shared with a third party vendor who assists us with this program. Other than the IP address of the site visitor, no personal information is collected in connection with this program.

This site also contains links to the Northwestern Mutual pages of several third party social media websites and additional links to third party websites that may appear as a “like” button or as a “share” button inside of a “Share” control box contained on several pages on this website. When you click on any such links, the third party website may send a session cookie or a persistent cookie to your computer. Please review the online privacy statements of such third party website for information regarding the online privacy practices of such websites.

Also, when you visit one of the pages on this Northwestern Mutual website that contains a “Share” control box, a third party known as AddThis sends a persistent cookie to your computer. For more information on the online privacy practices of AddThis, please review the AddThis privacy policy located in the bottom right corner of the “Share” control box.

Aggregated Tracking Information

To enable us to continually improve on the content we offer our users, as well as for systems administration purposes, we collect aggregate information site-wide. This gives us an idea of which parts of our site users are visiting. We do capture IP addresses to track a user’s activity on the site. A captured IP address is not linked to any personally identifiable information, which means a user's session will be tracked, but the user will be anonymous. To assist us in this process, this site uses website analytic services provided by Adobe Systems Incorporated. (“Adobe”). In connection with these analytic services, Adobe uses cookies and Web beacons to collect various non-personal information regarding visitors' use of this site, including daily unique visitors, page views, length of time of page views, page navigation paths, time of day of visits, browser type used by visitors, the Internet Service Provider used to connect to the Internet and this site, and the type of operating system used by visitors. The collected information is not linked to any personally identifiable information. For more information, please view Adobe's privacy policy.

Request for Additional Materials

If you request to receive additional materials, such as our guide to life insurance, you will be asked to provide your name, address, phone number and email address. This information may be provided to a Northwestern Mutual financial professional in your area.

Commitment to Confidentiality

Confidentiality is a top priority at Northwestern Mutual. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our customers, including the information received from this website.

This site does not contain or have access to information provided to us as part of insurance underwriting, policy service or claims.

Changes and Revisions

We reserve the right to amend this Statement from time to time. Any material change to our online privacy practices will be reflected in this Online Privacy Statement. We will indicate the date this Statement was last updated.

For More Information

This site is maintained by The Northwestern Mutual Life Insurance Company, 720 E. Wisconsin Avenue, Milwaukee, WI, 53202. Visit our Contact Us page for additional information.