Select FIXED annuities
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1 THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY SINGLE PREMIUM DEFERRED ANNUITY Select FIXED annuities (0205)
2 1 Prudent investors recognize the VALUABLE BENEFITS of having a fixed annuity in their retirement portfolio.
3 Why select a fixed annuity to reach your financial goals? GUARANTEED SAFETY OF PRINCIPAL Your premium and earnings are never at risk. Unlike traditional equity investments, your annuity account value can never be less than your principal investment.* GUARANTEED INTEREST RATE OPTIONS You have initial guaranteed interest period choices of 1, 3 or 5 years. OPTIONAL FIRST-YEAR RATE ENHANCEMENT A first-year interest rate enhancement option allows you to jump-start your savings. GUARANTEED CONSISTENT GROWTH Your interest rate cannot fall below a guaranteed minimum. TAX-DEFERRED EARNINGS GROWTH This means you don t pay taxes on your earnings until you take them out. Your assets grow faster in a deferred annuity than in a taxable account, because earnings aren t taxed until they are withdrawn. GUARANTEED LIFETIME INCOME OPTION When you choose the lifetime income option, you can rest assured that you will never outlive your income. An annuity is an ideal way to augment Social Security and other savings to maintain an optimum financial lifestyle during retirement. You can choose to provide income throughout the life of a loved one as well. GUARANTEED DEATH BENEFIT At the annuitant s death, the full account balance may be withdrawn without penalty or an early withdrawal charge. PORTFOLIO DIVERSIFICATION A fixed annuity is a safe and secure retirement savings vehicle to help manage risk in your overall financial portfolio. Investment professionals generally recommend that more of your portfolio be allocated to low-risk holdings like fixed annuities as you approach retirement age. EARLY WITHDRAWAL CHARGES WAIVED Early withdrawal charges are waived on interest earned in the last year, or all of your money if you need access to it for a terminal illness or nursing home care, as described in your contract. FLEXIBLE OPTIONS FROM AN INDUSTRY LEADER You can choose from three fixed annuity product types to match your specific retirement lifestyle needs. A Select Fixed Annuity from The Northwestern Mutual Life Insurance Company (Northwestern Mutual) offers flexible payout options. * May be subject to a withdrawal charge and Market Value Adjustment. Withdrawals may be subject to income tax, and withdrawals taken before age 59 1 /2 may be subject to a 10% IRS penalty. Subject to availability. State variations may apply. 2
4 fixed rate Whether you are looking to accumulate wealth or manage risk, a Northwestern Mutual Select Fixed Annuity can play an important role in your retirement portfolio. first A fixed annuity can HELP AT VARIOUS STAGES of planning for financial security WEALTH PRESERVATION & DISTRIBUTION: Safety of principal Supplements Social Security and other retirement savings to assist you in maintaining your standard of living Multi-generational income transfer via beneficiary designation WEALTH ACCUMULATION: You don t pay taxes on your earnings until you take them out of the contract Guaranteed minimum interest rate RISK MANAGEMENT: Guaranteed death benefit Manage portfolio risk through diversification Guaranteed lifetime income option provides an income stream as long as you live 3
5 Three fixed annuity options to meet your retirement savings goals. rate Initial Guaranteed Period 1 year Minimum Purchase $10,000 ($50,000 for optional first-year rate enhancement) Special Features Optional first-year rate enhancement Maximum Maturity Age 98 Select Renewal Guaranteed Period 1 year TM Withdrawals* You can take out a portion of your money each year without Platinum having to pay an early withdrawal charge. Larger withdrawals are subject to early withdrawal charges that expire in 8 years as follows: %. Designed To Offer relatively stable interest rates during the first 8 years and follow market interest rate trends thereafter. Select Gold TM Initial Guaranteed Period 1 year with optional first-year rate enhancement; 1 or 3 years without rate enhancement. Minimum Purchase $10,000 ($50,000 for optional first-year rate enhancement) Special Features Optional first-year rate enhancement Maximum Maturity Age 98 Renewal Guaranteed Period 1 or 3 years Withdrawals* You can take out a portion of your money each year without having to pay an early withdrawal charge. Larger withdrawals are subject to early withdrawal charges that expire in 8 years as follows: %. A Market Value Adjustment may apply to some withdrawals. Designed To Offer interest rates that are more responsive to market interest rate trends. Select Silver TM Initial Guaranteed Period 5 years Minimum Purchase $10,000 Special Features You can lock in the interest rate for 5 years at issue. Maximum Maturity Age 98 Renewal Guaranteed Period 1, 2, 3, 4 or 5 years** Withdrawals* You can take out a portion of your money each year without paying an early withdrawal charge. Larger withdrawals are subject to early withdrawal charges as follows: At issue: %. At renewal: reset to match the length of selected renewal period. A Market Value Adjustment may apply to some withdrawals. Designed To Offer an interest rate that is locked for the 5 year initial guaranteed period. OPTIONAL FIRST-YEAR RATE ENHANCEMENT Northwestern Mutual Select Fixed Annuities feature an optional first-year rate enhancement on the Select Gold and Select Platinum annuities. You ll see immediate results as your savings get off to a faster start with our first-year rate enhancement. If the option is selected, renewal interest rates will be less than renewal rates on contracts without the first-year rate enhancement. 1 * Withdrawals may be subject to income tax, and withdrawals taken before age 59 / 2 may be subject to a 10% IRS penalty. ** Subject to availability. State variations may apply. 4
6 An industry leader with a reputation for quality and excellence. When you choose a Select Fixed Annuity, you gain a superior annuity product plus all the benefits of working with a respected leader among insurers. At Northwestern Mutual, we have a long tradition of providing exceptional service, combined with proven expertise in fixed income investing. That means we can help you find the annuity product that best meets your needs and ensure you get a competitive guaranteed return. Backed by the FINANCIAL STRENGTH of Northwestern Mutual Northwestern Mutual has been given the best possible insurance financial strength ratings by the four major, third-party rating agencies. A.M. Best Moody s Investors Service Fitch Ratings Standard & Poor s A++ Aaa AAA AAA The third-party ratings shown here are those awarded as of TALK WITH YOUR FINANCIAL REPRESENTATIVE TODAY. Your Northwestern Mutual Financial Network representative understands your needs and can help you achieve your goals for financial security. Call today to find out more about how the Northwestern Mutual Select Fixed Annuity can help you jump-start your savings and pave the way to a comfortable retirement. 5
7
8 Northwestern Mutual Financial Network (NMFN) is the marketing name for the sales and distribution arm of The Northwestern Mutual Life Insurance Company (Northwestern Mutual), Milwaukee, WI and its subsidiaries and affiliates. The Northwestern Mutual Life Insurance Company Milwaukee, WI (0205)
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