Northwestern Mutual Life is the fourth company that we've tried for life insurance. So far, the rates have been the least expensive offering comparable policies. However, every few months, we keep getting letters in the mail explaining that our premiums are increasing...yet again! The first increase was because the agent miscalculated the benefit based on my husband's weight. Apparently he was fifteen pounds to heavy to qualify, but we were never told the qualifying weight. All other increases have not been explained, and our agent is quite difficult to get in touch with. We met him at a friend's party. He connected with us and then invited my husband to play golf. During this time, he introduced Northwestern Mutual Life and promised that he could get us the best rates. We also asked him about opening a Roth IRA, which he was not yet licensed to do. He has not gotten back to us regarding this issue. My experience so far has been the same as with every other life insurance company. The agent works really hard to get your business but then leaves you hanging.