Paying premiums keeps your long-term care policy in force and ensures that you will continue to receive the protection and peace of mind you planned.

Northwestern Mutual, acting as a service provider for Northwestern Long-Term Care Insurance Company, offers three ways to pay your long-term care premiums:

• Automatic Withdrawal—Often called Electronic Funds Transfer (EFT), automatic withdrawal is the quickest, most convenient way to pay your premiums. Select a savings or checking account, complete the EFT form and mail it to the Northwestern Mutual Home Office, P.O. Box 2956, Milwaukee, WI 53201-9820. To obtain an EFT form, contact your Financial Representative or call 1-800-388-8123 between the hours of 7:00 AM and 7:00 PM CT. Please complete the Enroll or Change Electronic Funds Transfer Online form.

• Direct Billing—Northwestern Mutual sends you a billing notice in the mail. If you have several policies with Northwestern Mutual, you can have them placed on one bill using an ISA Plus. See Insurance Service Accounts for more information. Note: A separate ISA is required for variable products and annuity products.

• Electronic Payment Services—Not to be confused with EFT, these refer to outside electronic bill payment services such as MSMoney, Quicken or your bank. Northwestern Mutual still bills you directly, but you instruct the outside service to pay the bill. An electronic payment service arrangement is an agreement between you and the provider of the service. You are responsible for coordinating the payment amount, date and payee with the service.
  
  Tip: When paying through an electronic payment service, use your ISA number. If the service does not ask you to enter your first and last name separately, enter your last name first.

I received an "Urgent Notice" What does this mean?— We will send you an Urgent Notice if we don't receive a check from you within 10 days of the due date. If you have mailed your premium, don't panic. Your payment and the Urgent Notice may have crossed paths in the mail. If you have not paid your premium, do so as soon as possible to maintain your coverage.

Why are there changes to my bill amount?— The amount of your bill may change because:

• Your benefits have increased to keep pace with inflation.
• One or more policies have been added to or deleted from your bill.
• The annual premium on your term life insurance policy has increased.
• Changes have been made to the amount or use of your dividends.
• Changes have been made to your policy.

When You Don't Pay Your Premiums
If your premium payments are not automatically withdrawn from your bank account, Northwestern Mutual should receive payment by the due date on your bill. If your policy lapses due to nonpayment, you have up to one year from the date to which premiums were paid to reinstate the policy.

To change the date the premium is automatically withdrawn from your bank, or to let us know you have changed banks, contact your Northwestern Mutual Financial Network Representative or Northwestern Mutual directly at 1-800-388-8123 between 7:00 AM and 7:00 PM CT, or complete the Enroll or Change Electronic Funds Transfer Online form. To change the payment date, you will need to provide:

• Your name
• Your ISA number
• Your bank account number
• The current date of your automatic withdrawal
• The new date of your automatic withdrawal

To change the bank where payments are withdrawn:

• Your name
• Your ISA number
• Your bank transit/routing number
• Your new bank account number
• The name of your new bank

As you move or change your circumstances, be sure to contact your Financial Representative or let us know how to reach you. A printable "Change Name and/or Address" form, plus additional informational details, can be found at our Customer Center.