LTC Fundamentals
This feature determines how long benefits are paid and may extend coverage if the monthly cost of care is less than the maximum limit.
What is the Benefit Period (BP)?
This option increases the Maximum Limit and Benefit Account Value each year, but the policyholder can choose whether to accept the increase.
What is Automatic Additional Purchase Benefit (AAPB)?
In 1859, Samuel Daggett paid out Northwestern Mutual’s first death claims after lives were lost in this type of accident.
What is a train accident?
This legendary broadcaster called Brewers games for decades and is often called “The Voice of the Brewers."
Who is Bob Uecker?
This legendary coach led the Packers to five NFL championships in the 1960s, including the first two Super Bowls.
Who is Vince Lombardi?
This discount applies when two individuals—either legally married or in a committed relationship—both maintain active, in-force policies.
What is the Spousal/Companion Two Discount?
This optional LTC policy benefit allows a policy to become paid-up upon the death of a spouse or companion, provided both individuals had this same benefit and maintained active coverage.
What is the Survivorship Benefit (SB)?
This cuddly character represents Northwestern Mutual’s long-term care insurance product, offering comfort and reassurance to policyholders.
Who is Quiet the Bear?
The Brewers appeared in their first and only World Series in this year.
What is 1982?
This quarterback, known for his “Gunslinger” style, spent 16 seasons with the Packers and won Super Bowl XXXI.
Who is Brett Favre?
For this policy feature, the insured must wait a selected number of weeks before benefits begin—common choices for this waiting period include these four durations.
What are 6, 12, 25, or 52 weeks?
This benefit activates if premiums stop after the third policy anniversary.
What is Nonforfeiture Benefit (Paid-up)?
From 1982 to 2004, Northwestern Mutual held a majority interest in this Milwaukee-based financial services firm.
What is Baird?
This Hall of Famer spent his entire 20-year career with the Brewers and won MVP awards in both 1982 and 1989.
Who is Robin Yount?
The Packers are the only NFL team owned this way.
What is public/community ownership?
This policy feature, Maximum Montly Limit (MML), sets the maximum amount payable per month for care, typically falling within this common range in most states.
What is $1,500 to $12,000?
Under the Automatic Benefit Increase (ABI), benefits typically grow at one of these three compound annual rates, with the cost built in to maintain a level premium.
What are 3%, 4%, or 5%?
The number of columns featured on the exterior of the South Building.
What is 10?
These are the two stadiums the Brewers franchise has called home.
What are Milwaukee County Stadium, and American Family Field (formerly Miller Park)?
The number of Green Bay Packers Super Bowl wins and total NFL championships.
What are 4 and 13?
This state requires an insured with a TT 2013 policy to surrender it before being able to purchase a UU policy.
What is Washington?
One way to calculate Benefit Account Value (BAV) is the greater of total premiums paid or this multiplied by 30.
What is Monthly/Daily Limit (MDL)?
This Canadian singer-songwriter penned the hit song about the 1975 sinking of the Edmund Fitzgerald, a Northwestern Mutual (NM) ship.
Who is Gordon Lightfoot?
What are the names of the Brewers’ famous Racing Sausages?
What are Bratwurst, Polish, Italian, Hot Dog, and Chorizo?
In the 2005 NFL Draft, Aaron Rodgers unexpectedly slid down the board before being chosen in this overall position by the Green Bay Packers.
What is the 24th overall selection?