The Policy provides significant premium flexibility. This means, after paying the initial premium, you can determine, subject to certain limitations in the policy, the amount and timing of any future premiums you pay, provided you make sufficient premium payments to keep the Policy in force. Subject to certain limitations set out in the policy, you may pay premiums at any time up to the policy anniversary nearest the insured's 121st birthday.

If you elect a Death Benefit Guarantee, a minimum premium payment is required to meet the Benchmark Premium Test. A Premium Expense Charge is deducted from each premium payment. The resulting net premium is allocated among the investment divisions you choose within the Separate Account. Although there are no required premiums, if a Death Benefit Guarantee is in effect, payment of the Benchmark Premium is required to maintain the Death Benefit Guarantee.

You select the initial amount of death benefit coverage called the Specified Amount. The Policy allows you to decrease the Specified Amount as your needs change. Decreases to the Specified Amount are subject to policy minimums. The death benefit paid by Northwestern Mutual will be reduced by any Policy debt outstanding at the time of death. This product is ideal for supplemental retirement income. After age 65, the policy can be kept in force or converted to an annuity. Beyond retirement needs.