Non-Cancellable and Guaranteed RenewableDisability Income Insurance

Protecting

Your

Most

Important

Asset

RR DI SeriesDisability Income Sample Policywith:Additional Purchase Benefit (APB)Deferred Disability Benefit (DDB)Future Increase Benefit (FIB)Indexed Income Benefit (IIB)Social Insurance Substitute Benefit (SISB)Social Insurance Substitute Benefit (SISB) New York

26-4059 (0201) (REV 0301)

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This is a representative sample of Northwestern Mutual Life’s RR series Non-Cancelable and Guaranteed RenewableDisability Income Policy. Policy benefits and wording may vary according to the classification of the Insured or tocomply with state regulations. Some contractual features and optional benefits may not be available in all states.The notations are to guide you through provisions of the policy. They do not modify the policy terms.

Non-Cancelable andGuaranteed Renewable to age65. You own the policy – wecan’t make any changes.

Continuing total disabilityprotection for those who wish to postpone retirement.

This policy will share individends as determined by theCompany. Any dividends paidwill reduce the premiums forthe policy.

We want you to be satisfiedwith the policy delivered to you.

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Table of contents.

This is your definition of TotalDisability. Please refer toSection 1.4 for moreinformation.

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The details of your policy.

The specified date following thestart of disability when benefitsbegin to accrue. Disabilitiesare not always in consecutivedays, so an extended period oftime is allowed to accumulatedays of disability toward theBeginning Date.

Lower premium rate for non-smokers.

Benefit period of your policy.

Annually renewable premiumcoverage is convertible to levelpremium disability incomecoverage.

Schedule of guaranteed futureannually renewable premiums.

Schedule of the sum of leveland annually renewablepremiums for the IIB on thedisability income and SocialInsurance Substitute Benefit.

Note: Page 4 in the Contract is blank. 4

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Covers both total and partialdisability.

You don’t have to becontinuously disabled toqualify for the Beginning Date.Days of disability due todifferent causes will beaccumulated to satisfy theBeginning Date. See“Beginning Date” on page 3.

Regular Occupation means youroccupation at the time youbecome disabled.

You are totally disabled whenyou are unable to perform theprincipal duties of your regularoccupation and not gainfullyemployed in any occupation.However, if you decide tobecome gainfully employed, theProportionate Benefit forPartial Disability may bepayable. You may have chosena different definition of totaldisability. The Schedule ofBenefits and Premiums willindicate which definitionapplies to your policy.

Not all benefits are for a TotalDisability. A benefit for aPartial Disability is included inyour policy.

Proof of earnings loss is notrequired prior to the BeginningDate or for the first six monthsProportionate Benefits arepayable if you have sufficientloss of time or duties at youroccupation.

Coverage for accident andsickness.

You must be receivingappropriate personal and in-person care and treatment by aLicensed Physician to beeligible for benefits. However, ifthe company determines theregular care of a LicensedPhysician would be of nofurther use to you therequirement of such care willbe waived.

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Paid during partial disability –no total disability required.

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Proportionate Benefit relates toloss of earned income causedby your disability.

With at least an 80% Loss ofEarned Income, theProportionate Benefit amountpayable will be 100% of the FullBenefit.

You choose the higher benefitfor the first six months.

Base Earned Income

We will use the highestconsecutive twelve monthsearnings in the last 24 months orany two of the three calendaryears before the start of disabilityto determine past earnings.

The period that generates thehighest average will be used.

A higher Base Earned Incomemeans a larger loss of earningsand a larger Proportionate Benefitpayable.

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Your choice of cash or accrualaccounting.

Average Monthly Earned Incomeprior to a disability is indexedto help protect yourProportionate Benefit from adecrease because of inflation.

How indexing of Prior Earningsworks:

Assumptions:

Average MonthlyEarned Income $5,000

CPI forCurrent Year: 300

CPI for YearDisability Started: 250

Thus, first 12 months,Base Earned Income = $5,000

For current year,Base Earned Income is:$5,000 x 300 = $6,000

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A Transition Benefit payable forup to 12 months, to help youfinancially when you return tofull-time work after a qualifyingdisability, while stillexperiencing a Loss of EarnedIncome.

While this benefit is payable,premiums will be waived.

Benefits will be payable for adisability caused by yourdonation of an organ.

A Full Benefit is paid for theselosses even if you are workingfull-time.

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No new Beginning Date if adisability is not separate froman earlier one.

A rehabilitation benefit may beavailable.

Benefits begin immediately andare payable for life, as long asthe loss continues.

Premiums paid during aqualifying disability arerefunded – annual premiumsare waived on the anniversarydate regardless of premiumfrequency.

Premiums are waived while theInsured is totally or partiallydisabled if the disability lasts atleast 90 days.

Waiver may continue beyond theMaximum Benefit Period but issubject to the limitation whilethe Insured is outside the UnitedStates and the limitation forMental Disorder and SubstanceAbuse or Dependency.

Disabilities or losses resultingfrom any Mental Disorder orSubstance Abuse orDependency will be limited to24 monthly benefit periods forthe life of the policy. Thislimitation will not apply if, atthe end of 24 months ofbenefits, you are confined in ahospital and are continuouslyconfined thereafter.

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Exclusions and limitations forpre-existing conditions andother matters.

Exclusions from coverage.

Benefits will not be provided formore than six monthly benefitperiods during the life of thepolicy while the Insured isoutside the United States.

Conditions fully disclosed onthe application are coveredunless specifically excluded.

Procedures and requirementsfor submitting a claim.(continued on page 12)

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Continuing total disabilityprotection for those who wishto postpone retirement.

You have a reasonable amountof time to file a claim.

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Ownership provision givesowner flexibility.

The policy may be assigned.

Procedures and requirementsfor submitting a claim.(continued from page 11)

Coverage, as provided in thissection, starts afterreinstatement.

An extra 31 days to reinstateyour policy without evidence ofinsurability.

You may reinstate yourcoverage upon dischargewithout paying back premiums.

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Full coverage during the graceperiod, if you forget to pay thepremium.

You may change the premiumfrequency.

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Your rights are guaranteed bythe contract.

The policy and claims arecontestable as set out in thissection.

If disability starts after twoyears from the Date of Issue,the Company cannot deny aclaim based on anymisstatement, except for afraudulent misstatement, in theapplication.

Annually renewable premium(ARDI) coverage is convertibleto a level premium policy.

The new level premium policywill include any additionalbenefits that apply to the ARDIcoverage and are then availableto new insureds.

You have the right to changethis policy subject to certainconditions.

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Dividends payable on this policycan reduce premiums.

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You are totally disabled duringthe first 24 months followingthe Beginning Date, when youare unable to perform theprincipal duties of your regularoccupation and not gainfullyemployed in any occupation.After 24 months, you are totallydisabled when you are bothunable to perform the principalduties of any occupation forwhich you are reasonably fittedby education, training orexperience and not gainfullyemployed in any occupation.

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You are totally disabled for thefirst 24 months following theBeginning Date, when you areunable to perform the principalduties of your regularoccupation. After 24 months,you are totally disabled whenyou are both unable to performthe principal duties of yourregular occupation and notgainfully employed in anyoccupation.

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You are totally disabled whenyou are unable to perform theprincipal duties of your regularoccupation.

The Company will not refuse toissue new policies even if therehave been changes in yourhealth, activities or occupation.

Provides the opportunity topurchase coverage as incomeincreases.

Issuance of new policies issubject to financial underwritingat time of exercise.

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Full Benefit – You may requestthe lesser of the APB amountor the Aggregate AmountRemaining.

One Time Amount – On a onetime basis, you can increasethe maximum Full Benefit byone APB amount whenpurchasing an additional policyunder the provisions of thisbenefit. This must beexercised on a Purchase Dateon or before your 42nd birthdayand is subject to the AggregateAmount limitations of thisbenefit.

Choice of Maximum BenefitPeriod.

Choice of Beginning Dates.

Purchase dates occur every thirdpolicy anniversary up to age 52,subject to financial insurability.

The new policy will pay benefitsfor a covered disability thatstarts after the new policy isissued if it results from anaccident or sickness that beganafter the original policy wasissued.

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Additional benefits on theoriginal policy may be includedon the new one.

For an existing disability, ifpremiums are being waivedunder the original policy, they’llbe waived under the new policyas well.

Upon exercise of an APB,option, the premium for thenew policy will be based on theoccupation class of the originalpolicy, or your occupation at thetime of issue of the new policy,whichever will produce thelower premium.

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If you wish, the DeferredDisability Benefit can bediscontinued and the FullBenefit for disability will be paiddirectly to you during disability.

For example –

Total disability monthly benefit payable $5,000

Benefit paid to OwnerIn current month $4,500

Benefit deferred intoThe annuity $500

Company contribution Paid into the annuity $250

If continuous total disabilitybegins at age 40 and yourmonthly deferral is $500, theCompany will contribute $250,for a total payment of $750.

Provides an opportunity tocontinue retirement fundingduring disability.

The DDB defers 10% of themonthly benefit otherwisepayable directly to the Owner.This amount is paid into anannuity for you.

The Company will alsocontribute to this annuity. Anadditional 50% of the deferredamount will be paid into theannuity for you.

If you are disabled, an annuitywill be issued and held in trustfor you.

Guaranteed Interest @ 3% Annuity Illustrated Interest @ 5.15% Annually

If total disability Accumulation Guaranteed Accumulationbenefits are value in annuity Monthly Income value in annuity Monthly Income

paid for: at Age 66* at Age 66 at Age 66* at Age 66**

5 years $ 85,276 $ 455 $138,308 $1,12410 years 163,001 869 252,311 2,05115 years 230,048 1,226 271,873 2,21020 years 287,882 1,534 356,218 2,89625 years 337,771 1,800 421,835 3,430

Values are based on a 91 day Beginning Date and a life annuity with no certain period.* The accrued values can be withdrawn at age 66 as a lump sum or applied under a wide range of payment plans.**Monthly income illustrated at age 66 is based on a 91 day Beginning Date, and life annuity with no certain

period and settlement rates as of 4/1/2000. These rates may change.

Assuming annuity values arecredited annually and annuitypayments beginning at age 66the following benefits wouldaccrue:

If you die prior to age 66 theaccumulation value will be paidto your named beneficiary.

During disability, increases aredeferred until recovery. Uponrecovery, the increases thentake effect.

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The FIB increases yourcoverage by indexing the FullBenefit.

Premiums for the policy will goup when the coverage isincreased under the FIB.

Minimum and MaximumIncrease – Depending on theCPI, the Full Benefit can increase up to a maximum of6% annually.

FIB increases occur on thepolicy anniversary. You mayskip an annual increase withoutaffecting future increases.

Subject to insurability, you mayregain the right to future FIBincreases.

How the FIB works:

Assumptions:

Base policy Benefit $4,000SIS Benefit $1,000

Full Benefit 1st year $5,000

1st Year CPI: 300

2nd Year CPI: 318

New Full Benefit:

Second Year:

$5,000 x 318 $5,300300

You may refuse annual FIBincreases.

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The CPI will be used todetermine the indexed benefit.

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Your benefit increases duringdisability with the cost of living,based on annual changes inthe CPI. The increases willalso be based on the coveragepercentage you chose on theapplication, from 1% to 100%of the Full Benefit.

How the IIB works:

Assumptions:

100% of Full Benefit to beindexedFull Benefit

1st year: $5,0001st Year CPI: 3002nd Year CPI: 3183rd Year CPI: 337

New Full Benefit:

Second Year:$5,000 x 318 $5,300

300

Third Year:$5,000 x 337 $5,617

300

Benefits may increase up to 6%compounded annually. Acatchup feature results; ineffect, benefits may increasemore than 6% some yearsdepending on changes in theCPI from prior years.

Benefits for total or partialdisability will be increasedduring disability.

Your benefit will never decreasejust because of a decrease inthe CPI.

The SIS Benefit will also beindexed.

Benefits payable to age 65,which is the customaryretirement age.

Supplements your disabilitybenefit if:

• Social Security does not paythe Maximum Family Benefitand no benefits are payableunder a State DisabilityInsurance program, or

• Social Security pays thePrimary Insurance Amountand no benefits are payableunder a State DisabilityInsurance program, or

• Benefits are payable under aState Disability Insuranceprogram and no benefits arepayable from Social Security.

Social Insurance programs thatmay provide benefits during adisability.

Increases the Disability Benefitwhen disability benefits are notavailable from Social Securityor State Disability Insuranceplans for your disability.

You must apply for SocialInsurance Benefits.

25Not available in New York

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Benefits payable for up to sixmonths pending an initialdecision on the SocialInsurance applications.

Benefits may continue beyondsix months if the Company issatisfied that the administratorof the Social Insurance planhas not made a decision onyour claim for reasons, whichare beyond your control.

You must apply for SocialSecurity Benefits.

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Increases the Full Benefit whendisability benefits are notavailable for Social Security foryour disability.

You may receive benefits evenwhen you are receiving theSocial Security PrimaryInsurance Amount (PIA).

Benefits payable to age 65,which is the customaryretirement age.

Benefits are payable for up tosix months pending an initialdecision on the SocialInsurance Applications.

Benefits may continue beyondsix months if the Company issatisfied that Social Securityhas not made a decision onyour claim for reasons, whichare beyond your control.

Available only in New York

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Disability Insurance Products fromNorthwestern Mutual

Individual Disability Income CoverageFor Personal Protection.

For Small Business including a GuaranteedAcceptance program and a MultiLife discount forqualifying groups.

Group Disability Income CoverageLong term or short term coverage for groups of 3 or more lives.

Interim-Term Disability CoverageProvides temporary coverage until an employeequalifies for employer sponsored disability coverage.

Disability Overhead Expense CoverageReimburses a business owner for covered overheadexpenses which continue during a total or partialdisability.

Disability Buy-Out CoverageFunds a disability buy-out agreement withinstallment or lump-sum payments.

Key-Person Disability CoverageProvides a benefit to the business in the event thekey employee is disabled.

The Northwestern MutualLife Insurance Company • Milwaukee, WIwww.northwesternmutual.com

26-4059 (0201) (REV 0301)