Customer Privacy Notices
The Northwestern Mutual Life Insurance Company
Northwestern Long Term Care Insurance Company
The Northwestern Mutual Life Insurance Company
Printable Version: The Northwestern Mutual Life Insurance Company
Facts: What does The Northwestern Mutual Life Insurance Company (Northwestern Mutual) do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal and state laws give consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Personal information and identifiers: name, social security number, date of birth
- Demographics: age, disability status, citizenship, gender
- Professional or employment information: income, employment history
- Education information: school records, degree, academic achievements
- Financial information: bank accounts, investment or brokerage accounts, assets/debts, account balances
- Medical information: medical history, medical questionnaires
- Internet or network activity: browser history, search history, IP address
- Profile information: profiles reflecting a person's preferences such as interests, hobbies, characteristic tendencies, behaviors, or attitudes
- Product information: policy/account number, policy/account values
- Audiovisual information: video & audio recordings
How?
All financial companies need to share customer personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer information; the reasons Northwestern Mutual chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Northwestern Mutual share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes—to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | No |
| For our affiliates' everyday business purposes—information about your transactions and experiences | Yes | No |
| For our affiliates' everyday business purposes—information about your creditworthiness | Yes | Yes* |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | No |
To limit our sharing
Call 866-950-4644 and when prompted say limit sharing.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions
Call 866-950-4644 and when prompted say privacy or go to NorthwesternMutual.com
Who we are
Who is providing this notice?
This privacy notice is provided by The Northwestern Mutual Life Insurance Company.
What we do
How does Northwestern Mutual protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include computer safeguards, access limitations, and secured files and buildings.
How does Northwestern Mutual collect my personal information?
We collect your personal information, for example, when you:
- apply for a product or make a claim.
- aggregate your accounts.
- communicate and transact with us.
- build a plan with a member of our sales force.
We also collect your personal information from others, such as affiliates or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
- sharing for affiliates' everyday business purposes – information about your creditworthiness.
- affiliates from using your information to market to you.
- sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies. This means Northwestern Long Term Care Insurance Company, Northwestern Mutual Investment Services, LLC, Northwestern Mutual Wealth Management Company, and, for purposes of privacy and information sharing, the network offices of our sales force. Our sales force is made up of independent contractors, including financial representatives and their staff, all of whom sell our products and services.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. For example, we use service providers to perform business functions for us.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Northwestern Mutual does not joint market.
Other important information
*With your authorization, information relating to creditworthiness that affects your insurability may be shared with your financial representative.
Some states provide additional rights to its residents. For our customers residing in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, AND VA, upon receipt of a written, verifiable request, you generally have the right to learn the nature and substance of personal information about you recorded in our files that is reasonably locatable and retrievable, see or obtain a copy of that information, and learn the identity of those to whom we have disclosed the information. If you believe that any of our records are inaccurate, you may notify us in writing of any corrections, amendments, or deletions that you believe should be made, and we will review and respond to that request. To exercise these rights or for additional information, please write to: Privacy Office, The Northwestern Mutual Life Insurance Company, 720 E. Wisconsin Ave., Milwaukee, WI 53202. For our customers residing in VT, we will not disclose information about your creditworthiness to our affiliates other than as permitted by Vermont law, unless you authorize us to make those disclosures.
For our HIPAA covered products, our separate Notice of Privacy Practices describes how we collect, use, and share your protected health information. If you would like a copy of that Notice, please visit NorthwesternMutual.com/privacy-notices or contact our Privacy and Security Official at The Northwestern Mutual Life Insurance Company, 720 E. Wisconsin Ave., Milwaukee, WI 53202 or 414-665-6042.
For NV residents, we are providing this notice pursuant to state law. If you do not want to receive unsolicited calls from us, you have the right to request that your number be placed on our internal do not call list. To exercise this right or if you have questions, please contact us at 866-950-4644, via mail at Do Not Call Compliance, The Northwestern Mutual Life Insurance Company, 720 East Wisconsin Ave., Milwaukee, WI 53202, or via email at DoNotCallForm@NorthwesternMutual.com. You may also contact the NV Attorney General for information on this law at 702-486-3132, via mail at 100 North Carson Street, Carson City, NV 89701, or via email at AgInfo@ag.nv.gov.
50–0142 (REV 04/2020)
Northwestern Long Term Care Insurance Company
Printable Version: Northwestern Long Term Care Insurance Company
Facts: What does Northwestern Long Term Care Insurance Company (NLTC) do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law give consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Personal information and identifiers: name, social security number, date of birth
- Demographics: age, disability status, citizenship, gender
- Professional or employment information: income, employment history
- Education information: school records, degree, academic achievements
- Financial information: bank accounts, investment or brokerage accounts, assets/debts, account balances
- Medical information: medical history, medical questionnaires
- Internet or network activity: browser history, search history, IP address
- Profile information: profiles reflecting a person's preferences such as interests, hobbies, characteristic tendencies, behaviors, or attitudes
- Product information: policy/account number, policy/account values
- Audiovisual information: video & audio recordings
How?
All financial companies need to share customer personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer information; the reasons NLTC chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does NLTC share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes—to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | No |
| For our affiliates' everyday business purposes—information about your transactions and experiences | No | No |
| For our affiliates' everyday business purposes—information about your creditworthiness | No | No |
| For our affiliates to market to you | No | No |
| For nonaffiliates to market to you | No | No |
Questions
Call 866-950-4644 and when prompted say privacy or go to NorthwesternMutual.com
Who we are
Who is providing this notice?
This privacy notice is provided by Northwestern Long Term Care Insurance Company.
What we do
How does NLTC protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include computer safeguards, access limitations, and secured files and buildings.
How does NLTC collect my personal information?
We collect your personal information, for example, when you:
- apply for a product or make a claim.
- aggregate your accounts.
- communicate and transact with us.
- build a plan with a member of our sales force.
We also collect your personal information from others, such as affiliates or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
- sharing for affiliates' everyday business purposes—information about your creditworthiness.
- affiliates from using your information to market to you.
- sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies. This means The Northwestern Mutual Life Insurance Company, Northwestern Mutual Investment Services, LLC, Northwestern Mutual Wealth Management Company, and, for purposes of privacy and information sharing, the network offices of our sales force. Our sales force is made up of independent contractors, including financial representatives and their staff, all of whom sell our products and services.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. For example, we use service providers to perform business functions for us.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. NLTC does not jointly market.
Other important information
Some states provide additional rights to its residents. For our customers residing in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, AND VA, upon receipt of a written, verifiable request, you generally have the right to learn the nature and substance of personal information about you recorded in our files that is reasonably locatable and retrievable, see or obtain a copy of that information, and learn the identity of those to whom we have disclosed the information. If you believe that any of our records are inaccurate, you may notify us in writing of any corrections, amendments, or deletions that you believe should be made, and we will review and respond to that request. To exercise these rights or for additional information, please write to: Privacy Office, Northwestern Long Term Care Insurance Company, 720 E. Wisconsin Ave., Milwaukee, WI 53202. For our customers residing in VT, we will not disclose information about your creditworthiness to our affiliates other than as permitted by Vermont law, unless you authorize us to make those disclosures.
For our HIPAA covered products, our separate Notice of Privacy Practices describes how we collect, use, and share your protected health information. If you would like a copy of that Notice, please visit NorthwesternMutual.com/privacy-notices or contact our Privacy and Security Official at Northwestern Mutual Long Term Care Insurance Company, 720 E. Wisconsin Ave., Milwaukee, WI 53202 or 414-661-2510.
For NV residents, we are providing this notice pursuant to state law. If you do not want to receive unsolicited calls from us, you have the right to request that your number be placed on our internal do not call list. To exercise this right or if you have questions, please contact us at 866-950-4644, via mail at Do Not Call Compliance, The Northwestern Mutual Life Insurance Company, 720 East Wisconsin Ave., Milwaukee, WI 53202, or via email at DoNotCallForm@NorthwesternMutual.com. You may also contact the NV Attorney General for information on this law at 702-486-3132, via mail at 100 North Carson Street, Carson City, NV 89701, or via email at AgInfo@ag.nv.gov.
60-0012-50 (REV 04/2020)
Northwestern Mutual Investment Services, LLC and
Northwestern Mutual Wealth Management Company
At Northwestern Mutual Investment Services, LLC (NMIS), and Northwestern Mutual Wealth Management Company (NMWMC) your privacy is important to us. We want you to know that:
- We do not sell or rent to anyone the information you have entrusted to us;
- We do not share your personal information with non-affiliated companies who want to market their products or services to you (except at your request or with your consent);
- We do not offer an opportunity for you to prevent or "opt-out"; of information sharing since we only share personal information with others as allowed by law and
- You do not need to contact us to benefit from our privacy protections.
To help you understand how we protect information about you, this notice describes our current privacy policy and practices. Throughout the continuation of our relationship with you we will provide notice of our privacy policy and practices at least once annually, as required by law.
Security of personal information
Northwestern Mutual Investment Services, LLC (NMIS) and Northwestern Mutual Wealth Management Company (NMWMC) have and maintain strict policies and procedures to protect information about you during all stages of our relationship with you. In addition, we maintain physical, electronic, and procedural safeguards that comply with applicable standards to protect your personal information. Access to personal information by employees and other representatives is restricted to those individuals who have a business need for such information.
Information we may collect and use
We collect personal information about you in order to provide, administer and service financial products and services, including trust services, investment management services, financial planning, stocks, bonds and mutual funds. For example, we may gather information from you on applications or other forms, electronically, by telephone, or in writing. This may include information such as your name, address, Social Security number, assets, income, and information to confirm your identity. We may also collect from other sources, such as consumer reporting agencies, information about your credit-worthiness and credit history (NMIS may obtain and share consumer credit reports about you as you have authorized). Finally we may gather information from your transactions with us and our affiliated companies within the Northwestern Mutual family, such as your account balance and payment history.
Information we may disclose
We regard all of your personal information as confidential. However, in the course of conducting our business, there are circumstances in which we may use and disclose to other parties the information described above. We may do this only as permitted by law.
For example, we may share the information we collect with third parties who are under contract to perform account servicing for us, such as clearing brokers and vendors providing data processing or transaction processing. We also may disclose this information to other third parties, as permitted by law, such as a regulator during the course of an examination, or as necessary to protect our rights.
Such information may be used by your financial representative and by any company within the Northwestern Mutual family to provide, review and service your account. Your financial representative may also use this information to advise you of additional financial products and services offered by companies of the Northwestern Mutual family.
We may work with outside firms to help us develop our marketing approaches. We may share with such firms certain identification and transaction information, as described above. We also may share this type of information within the Northwestern Mutual family of companies to provide you with better service. This also makes it possible for us to advise you of other financial products and services the companies of the Northwestern Mutual family have to offer, to meet your needs. We may do this as allowed by law.
When we hire other parties to help us conduct our business, we require them to protect your personal information. Furthermore, we do not permit them to use or share your personal information for any purpose other than the work they are doing on our behalf or as required by law.
We will continue to limit disclosures of your personal information even if our relationship with you ends. This will be done in accordance with our stated privacy policy. Direct inquiries to: Privacy Notice – NMIS/NMWMC, 720 East Wisconsin Avenue, Milwaukee, WI 53202.
92-0237 (0102) (REV0217)