During the process of risk appraisal, there are occasions when we come across information that is extremely sensitive in nature, and merits special care and attention.

We handle sensitive information very carefully. Information such as:

• positive test results for infection with HIV (the AIDS virus)  
 
• history of abuse of alcohol or drugs  
 
• positive test results for cocaine  
 
• psychiatric treatment  

In cases like these—in which adverse action is taken or additional information is needed—the insured or personal health care provider is notified regarding what we have discovered, our concerns and how the information impacts the application.

The network representative and applicant (if different from the insured) are not made aware of this information, only that adverse action has been taken because of "confidential information received at the corporate headquarters of Northwestern Mutual." Under such circumstances, you (the insured) have the option of providing sensitive information directly to the underwriter.