You know after dealing with someone for 10 years you would think there was a little bit of trust and honesty. NW agent that sold me mutiple policies became a different person once I said I would like to cancel my policy. Everyone from sales agent all the way to the underwriting and cancelation depart gave me such a difficult time. Given the brutal experience that I have to go through to get my policy cancelled within the freelook period it doesn't provide me any assurance that once I'm dead that northwestern will willfully honor my policies. Be careful of disgusting companies like this. In addition, you should also check their financials before buying any insurance policy from them. It doesn't sit right with me when you have 1.7T dollars of life insurance obligation but only 275B balance sheet. How does that work? Oh yeah, first in first out. read more