Complaints

This profile includes complaints for Northwestern Mutual's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Northwestern Mutual

  720 E Wisconsin Ave Milwaukee, WI 53202-4703

• 

  Northwestern Mutual

  3705 Kadow St Manitowoc, WI 54220

• 

  Northwestern Mutual

  1 Northwestern Mutual Way Franklin, WI 53132-9497

• 

  Northwestern Mutual

  3800 Embassy Pkwy Ste 120 Akron, OH 44333

• 

  Northwestern Mutual Insurance

  3805 Edwards Rd # 200 Cincinnati, OH 45209

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/07/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for an insurance policy on October 14th, 2023. They drafted my initial premium payment on October 17th, 2023. I was told that underwriting would take 2-5 weeks and I would have an answer at that time.It is currently December 7th (8 weeks later if anyone's counting). At this point, all I want is my application rescinded and my premium--two month's worth at this rate--refunded. I've called several times. No reason is given for the delay, just that it's still in underwriting. Now, I'm a licensed insurance agent in the state of Virginia. I know how these things are supposed to go. I don't work with a company that takes longer than 2 business days for an underwriting decision. Eight weeks and still no decision is simply ludicrous.What's even worse is when I call in to cancel and get my premium returned, I'm told no one can assist me. They're "sending a note" to the same underwriter that I've already been waiting 8 weeks on to try and cancel the policy and return funds. No timeline is available for how long this will take. No one is able to give me any answers as to why the policy cannot be canceled at my request. They are not willing to give me the underwriter's contact information, or transfer me to said underwriter to expedite the return of funds and cancellation of my application. I would like to stress--there is still no policy in force after waiting 8 weeks. They are getting ready to draft me a third time, so at that point they will have collected a quarter of a year's premium and still not issued a policy or declined me--either way.To top it all off, my agent (re: financial advisor) has left the company and is unreachable.

  Business Response

  Date: 12/14/2023

  Hello - Our team has contacted the client and issued an appropriate response. For this, we consider this case resolved. 

  Thank you,

  Northwestern Mutual 

  Customer Answer

  Date: 12/14/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear here. 
  

  No one from NWM has reached out to me regarding this complaint. No refund has been issued. The complaint is still very much unresolved. 
  
  Regards,
  
  ***********************

• Initial Complaint

  Date:12/04/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I asked a quote for a life insurance policy on September 14. The provisional premium I was quoted was ****** before the result of the physical that was done on September 22nd. When I talked to ***************************, Financial representative, I informed him that I was a former smoker and stopped 18 months prior. I had a blood test done where my nicotine level was tested, and came back negative for any nicotine product. ****** called me Tuesday, November 14 to inform me that my I was positive for nicotine and that If we would go further with the application process and accept the policy, the premium would be over $680/month, I was also informed for the very beginning and along the process by ******, that I would get any premium drafted on my account refunded if I decided to not go further in the application process. I have been contacting him since November 17 to have my money refunded, and have not heard a single word from ***********************. I also contacted *************************, whom was helping the underwriter and asked that if he could direct me to the correct recipient to have my refund request taken care of and have not hear a word from him either. Everybody was very helpful and eager to call me and email me during the process, but as soon as I decided not to proceed they all went silent. I need the 3 months of premium that were drafted out of my bank account refunded asap.

  Business Response

  Date: 12/12/2023

  Our teams have connected with this client, issuing an appropriate refund and providing further background. For this, we consider this case resolved. 

  Thank you.

• Initial Complaint

  Date:11/26/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *************************** Wealth Advisor is a fraudulent criminal. He is described by the ******* of ******** as a retired basketball coach with minimal investment experience. He asked me to invest $292,500 in a fictitious real estate investment trust. He took my money and used it for personal expenses, to build his new home! He has stolen well over $600,000 from me.

  Business Response

  Date: 12/01/2023

  We are unsuccessful in our follow-up efforts as the phone number listed with the complaint is not in service, and the email address is undeliverable. Therefore, we are unable to verify if this individual is a client and consider this matter resolved.

• Initial Complaint

  Date:11/10/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2021 I transferred by *************** to work with a Northwestern Mutual Life Insurance agent. At that time, he also met with me and suggested I invest 1/2 of what I was paying to go into a Mutual Fund. He met with my mom and I (as I was young and needed another set of ears) and explained that the mutual fund came with some insurance, that I could borrow against the mutual fund at any time, and, that this will bring me income post retirement. My mom asked, as well as I , if this was insurance. He stated it was not life insurance, just that life insurance "came" with the mutual fund.

  Business Response

  Date: 11/21/2023

  Our team has acknowledged the complaint with the client and is working through the review process. 

• Initial Complaint

  Date:11/07/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I first met with a "financial advisor" from NM back in May '23 after inquiring on how I can build my wealth. After the initial consult they wanted to see all my financials. Once that was received they made the first recommendation of several insurance policies. I was quite confused on the correlation between insurance and investing. Between June and now I had several meetings and emails with the advisor on how it works to buy an insurance policy to build tax free money. I explicitly stated that I had no need for insurance but I was being steered towards these policies. They were complicated to understand. Looking back now it is also complicated as to the order of events. The underwriting for the policies didn't conclude until August-September timeframe but somehow my policy was active since June 17th. I didn't sign the policies until late October. I had doubts along the way and expressed my uncomfortableness with these being the best methods for investing. This typically resulted in the advisor expressing that this is the best strategy for me. I also had the impression that the financial advisor would be someone who looked out for my financial wellbeing (in which I provided an amount of trust) but instead it seems that it is more of a sales role. So for someone who explicitly stated that I had no need for insurance coverage and that was nowhere on my mind I paid $3,131.96 and learned that as I cancel today I will get back $722.78. I simply ask that I get returned the $3,131.96 that I paid into for a product that I explicitly didn't want but initially bought into through confusion as to what it was and how it worked. Had the process and concept of this investment vehicle been understood prior to committing to it then I would not have bought it to begin with. I believe that the confusion helps sell the product as it makes it easier to influence people of lesser knowledge.

  Business Response

  Date: 12/01/2023

  Our teams have made contact with the individual and have worked with them to resolve appropriately. For that, we consider this case to come to an agreement and resolve. 

• Initial Complaint

  Date:11/01/2023

  Type:Service or Repair Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I would like to make a complaint with Northwestern Mutual. I started a disability claim in November 2022. I got approved for only half of my benefits and was denied for the other half without sufficient reasoning behind the denial. I appealed the denial and submitted additional information and still have yet to receive the remainder of my benefits. I paid for this policy three years ago and was told that any time I am off of work due to medical reasons after 91 days with proper documentation from my physician(s) I should have been receiving my benefits. I went on claim and started receiving partial payments in February *************************************************************************************** November 2022. I have yet to receive my full payout. I spoke with a disability agent by the name of *************************** who was very biased toward me saying to me You havent had this policy for very long you only had it for three years She then took it upon herself to look through my case to find reasoning to terminate my policy, which her efforts were unsuccessful. Upon noticing her behavior I filed a complaint to speak with her supervisor who was very transparent initially, but once she wrongfully denied my claim and I submitted proper evidence and told her how I felt she began to lack communication and respond to me and for those reasons my claim is still pending almost a year later with only half of the benefits being paid out. I am sharing my concerns because I would like for this department to be properly investigated for unethical behavior and withholding funds that are rightfully owed to me.

  Business Response

  Date: 11/15/2023

  After review, our teams have looked through the client's materials and have contacted them and explained the process.

  Customer Answer

  Date: 11/16/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 20808746 and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  Regrettably, they are disputing the validity of my signs and symptoms, insisting that I should have been working after May 8th, 2023. They claim there was no limitation for my job duties, despite my physician's statement and the company, **** of America, indicating my pre-existing mental health condition while pregnant. This condition was the basis for granting me a longer timeframe for maternity leave, exceeding the standard 8/12 weeks outlined in their policy for employees with less than one year of service. Unfortunately, Northwestern Mutual fails to recognize that mental health postpartum, including depression and anxiety, varies for everyone. The appropriate treatment should be determined by psychologists, therapists, and physicians, considering the various stages of the condition. 
  
  
  I find myself in a position where I must take additional time off for a mental health break as I am struggling to cope. Yesterday, on November 15th, 2023, I had a near car accident due to an anxiety attack, emphasizing the urgency of this situation. I appreciate your support in addressing the challenges posed by Northwestern Mutual. I will be seeking additional mental health treatment from my psychologist and filing for additional benefits on top of the benefits that I am currently appealing. I am currently in a state of extreme distress and in need of additional support getting Northwestern Mutua Disability ***************** to do the right thing by me as their client.

  It is disheartening to feel that my situation is being undermined, and I believe your professional insight will be invaluable in rectifying this matter. 

   Regards,

   *************************

  Customer Answer

  Date: 11/16/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [November 15, 2023
  Ms. ************************
  *****************************
  ******* ** 60639
  Questions? *************************
  Insured Name: *************************
  Claim Number: C **** 224 764
  Policy Numbers: D2856516 ********
  22976613
  Response to Appeal and Claim Determination
  Dear ****************:
  Dear ****************:
  I am in receipt of your correspondence dated October 14, 2023, appealing our claim
  determination; a letter from the Better Business Bureau dated November 1, 2023, informing us
  that they received a customer concern from you regarding **********************; and your letter
  dated November 14, 2023, which clarifies your level of work activity between May 8, 2023 and
  October 6, 2023. We have carefully reviewed all of the documentation currently available to us
  regarding your claim and do not find proof that supports you continued to be unable to perform
  the material and substantial duties of your Regular Occupation after May 8, 2023. We are
  however aware that you had a head injury on October 6, 2023, which has required you to be off
  work and you are claiming additional disability benefits for this condition. This letter will address
  your eligibility for benefits due to this cause of disability as well.
  Claim History
  As you are aware, we determined that you were totally limited from performing your occupation
  as a banker as of November 4, 2022, due to complications of your pregnancy, as well as
  headaches and back pain you suffered as a result of a motor vehicle accident on November 29,
  2022. We determined that these conditions caused you to be unable to perform the material
  and substantial duties of your Regular Occupation as a banker for a limited time. Benefits were
  paid to you from February 2, 2023 the date you met your policys Beginning Date to May 8,
  2023, the date to which we no longer had proof that you qualified for benefits under the terms of
  your policy.
  You have claimed that you continued to be either totally disabled or partially disabled from
  performing the material and substantial duties of your Regular Occupation as a banker due to
  ongoing symptoms from post-partum depression and anxiety after May 8, 2023. Previously it
  had been unclear what your level of work activity had been for the period from May 8, 2023 to
  the date you began working at Loyola because of conflicting information in the file; however,
  based on your November 14th letter, it appears you are claiming the following periods of
  disability:
  Page 2
  Total disability from May 8, 2023 to June 19, 2023, the date you returned to part-time
  work in your Regular Occupation at **** of ************ Partial disability from June 19, 2023 to August 28, 2023, the date you began full-time
  work at Loyola; and
  Total Disability from October 6, 2023 to the present due to a work related head injury
  you suffered in your employment with ******.
  Your contract defines Total and Partial Disability as follows:
  Total Disability or Totally Disabled. The words "Total Disability" or "Totally Disabled"
  mean the Insured is both unable to perform the substantial and material duties of the
  Regular Occupation and not Gainfully Employed in any occupation. If the Insured can
  perform one or more of the substantial and material duties of the Regular Occupation,
  the Insured is not Totally Disabled. If this Policy has the Partial Disability Benefit, the
  Insured may qualify as Partially Disabled.
  Partial Disability or Partially Disabled. The Insured is Partially Disabled when the
  Insured is not Totally Disabled and:
  A. the Insured is unable:
  to perform one or more of the substantial and material duties of the
  Regular Occupation; OR
  to spend as much time at the Regular Occupation as before the Disability
  started; AND
  B. the Insured has at least a 20% Loss of Earned Income that is caused by the
  Disability for which claim is made; AND
  C. the Insured is Gainfully Employed.
  Review of Medical Information
  In an effort to provide us with evidence in support of your requested periods of total and partial
  disability, you forwarded the following information:
  Letter from ********************************** dated October 12, 2023;
  Leave of Absence form from **** of America stating your leave is from March 4, 2023
  to June 26, 2023;
  Copy of your MyChart printout from March 27, 2023 visits with both ********************** and
  your therapist, ***************************; and
  Note from you dated October 30, 2023 regarding your maternity leave and medical
  leave.
  This information was reviewed by our consulting psychiatrist. She noted that your medical
  records reflect that you have a long-standing history of symptoms of depression and anxiety.
  She also noted your medical records reflect you discussed with your care provider your
  psychosocial stressors, dissatisfaction with your current education, employment, and marital
  status. Our consulting psychiatrist opined that while the medical records provided by Dr.
  Ramaswamy indicate you were experiencing significant stress in your environment,
  psychosocial stressors are not in and of themselves limiting. She opined that if you were
  experiencing a limiting psychiatric condition, we would expect to see more aggressive treatment
  than you were receiving.
  Additionally, our consulting psychiatrist did not find Dr. ********** October 12th letter
  indicating you were unable to work between May and August due to ongoing struggles with
  post-partum depression, anxiety, panic attacks and sleep disturbances compelling because this
  Page 3
  information was inconsistent with what was documented in Dr. ********** medical records.
  Based on our consulting psychiatrists review of the information you recently provided, she
  found no support for occupational limitations for the additional period you are claiming.
  Response to Your Concerns
  In your letter to the Better Business Bureau, you state that you only were approved for half of
  your benefits and denied for the other half without sufficient reasoning. While we are sorry you
  feel this way, we disagree that you were not provided with an explanation as to why you did not
  qualify for benefits for certain periods. We have provided the reason for our claim determination
  in our previous letters. We have explained that the symptoms documented in the medical
  records we obtained from your care providers do not document symptoms of such severity that
  rise to a level of limiting you from performing the material and substantial duties of your Regular
  Occupation as a banker. There is documentation of your living situation being stressful, your
  relationship with your children and significant other being stressful, and your financial situation
  causing you stress such that you were driving for Uber during the time you were on maternity
  leave from **** of America to make ends meet. As mentioned earlier, your medical records
  indicate that you have had long standing symptoms of depression and anxiety and to our
  knowledge have not been limited in your ability to work due to these symptoms in the past. We
  do not have evidence of changes in your status that would cause you to now be unable to work
  due to these conditions.
  Additionally, you have indicated that you felt we were delaying our decision on your claim even
  though you had provided the information you had available to review for your appeal. Ms. *********** we assure you that is not the case. Our decision regarding your eligibility for additional
  benefits after May 8, 2023 was provided to you on October 12, 2023. You responded with an
  email appealing this determination on October 14, 2023. Additional medical information was
  obtained and received by October 31, 2023 along with additional information regarding your
  head injury. Approximately 30 days have elapsed since you appealed our claim decision, and
  approximately two weeks have elapsed since we received the last piece of information we
  reviewed in conjunction with your appeal. We need time to review and carefully consider the
  information we obtained, and you provided to conduct a complete and thorough review of your
  appeal. It is our position that the review of your appeal was done in a timely manner and we are
  sorry that you feel otherwise.
  I would also like to address your concern that we have been biased towards you in our claim
  handling. I am sorry to hear that you feel this way and thank you for sharing your concerns with
  us; however, I assure you that is not the case. In reviewing the medical information obtained in
  conjunction with your claim, we discovered information that appeared to pre-date the issuance
  of your policy that we were not aware of at the time of underwriting. Your disability policy gives
  us the right to conduct such reviews under section 8.2, Time Limit on Certain Defenses which
  states in part as follows:
  In issuing this Policy, the Company has relied on the application. The Company may
  rescind the Policy or deny a claim due to a misstatement in the application. However,
  after this Policy has been in force for two years from the Date of Issue no misstatement,
  except a fraudulent misstatement, in the application may be used to rescind the Policy or
  to deny a claim for a Disability or loss that starts after the two-year period.
  As you are aware, we completed our review and found the information of concern would not
  have affected the issuance of your policy. I can assure you that your claims analyst was not
  looking for a way to terminate your policy; but rather conducting a thorough review of your claim
  in accordance with the terms of your policy.
  Claim for Additional Injury
  Page 4
  You have stated that you had an accident on October 6, 2023, in which you hit your head at
  work and suffered a concussion. You stated you have been out of work since that time.
  Your contract has a provision regarding separate periods of disability. This can be found in
  Section 2.8 which states the following:
  2.8 BENEFITS FOR SEPARATE DISABILITIES
  Each separate time the Insured is Disabled, a new Beginning Date must be satisfied and
  a new Maximum Benefit Period starts. The Insured does not need to meet a new
  Beginning Date and is not eligible for a new Maximum Benefit Period unless a
  subsequent Disability is considered to be a separate Disability.
  A Disability is considered a separate Disability if:
  benefits were, but no longer are, payable for the earlier Disability,
  the Policy remains in force,
  all other terms and conditions of the Policy are met, and either:
  a. the cause of the later Disability is not medically related to the
  cause of the earlier one, and
  the Insured had resumed Gainful Employment on a fulltime continuous basis for at least 30 days at any time
  prior to the onset of the later Disability; or (emphasis
  added)
  b. the cause of the later Disability is related to the cause of the earlier
  one, and
  the Insured was no longer Disabled from the earlier Disability,
  the Insured thereafter had resumed Gainful Employment on a
  full-time continuous basis for at least 30 days immediately
  prior to the onset of the later Disability, and
  the later Disability starts at least 12 months (or 6 months if this
  contract has a 24 month or 60 month Maximum Benefit
  Period) after benefits ceased being payable for the earlier one.
  All other disabilities are considered to be a continuation of the prior Disability.
  It is my understanding that you returned to work with **** of America as of June 19, 2023,
  however you have indicated that you were not able to work full time hours and had to take off for
  certain periods between June 19, 2023 to August 28, 2023. Based on the information we have
  on file, you started your work with ****** as of August 28, 2023, and have worked a full-time
  schedule until your accident on October 6, 2023. In review of this information your head injury
  would be considered a new claim under Section 2.8 of your policy as it is not medically related
  to the original cause of disability, and you had resumed gainful employment on a full-time
  continuous basis for at least 30-days prior to the onset of your injury. Because any claim related
  to your head injury will be considered a separate period of disability, our review of your eligibility
  for benefits will be based on the duties of the occupation you held at the time you were injured,
  which would be the duties you were performing in your role as a PCT at Loyola.
  Your contract defines Regular Occupation as follows:
  Regular Occupation. The words "Regular Occupation" mean the occupation of the
  Insured at the time the Insured becomes Disabled. If the Insured is regularly engaged in
  more than one occupation, all of the occupations of the Insured at the time the Disability
  starts will be combined together to be the "Regular Occupation." "Regular Occupation" is
  not restricted to a specific company or industry.
  Page 5
  Please keep in mind that with a new claim you will have to meet a new Beginning Date (91-
  days) before benefits would start to accrue. Since it will be several weeks before you would
  meet a new Beginning Date, we will need updated medical records to determine your eligibility
  for benefits for this separate periods. At this time, it is unclear if you will qualify for benefits
  under your policy due to your head injury until additional information is obtained.
  Conclusion
  Your policy states under Section 5. Claims, Proof of Loss, that for a claim to be payable, the
  Company must be provided with satisfactory written proof of loss. This is information that the
  Company deems necessary to determine whether benefits are payable, and if so, the amount of
  the benefits. For more information regarding this and any other contract provisions provided in
  this letter, please see the policy itself.
  Based on our review of the additional information we received in conjunction with your appeal
  regarding your eligibility for benefits after May 8, 2023 to August 28, 2023 due to your claimed
  symptoms of post-partum depression and anxiety, we find no proof that you qualified for any
  additional benefits as explained earlier in this letter.
  In addition, we are unable to provide any benefits to you at this time due to your head injury
  which occurred on October 6, 2023. Based on the terms of your policy as explained above, this
  would be considered a separate period of disability, and as such, you need to meet a new
  Beginning Date. We will need updated medical information closer to the date the Beginning
  Date would be met, to determine if you will be eligible for benefits. Enclosed is an Attending
  Physicians Statement to be completed by the physician primarily treating you for this condition.
  I have also enclosed a Request for Disability Benefits form. Should your recent accident cause
  you to be unable to work for 91-days or longer, please complete and return these forms to us.
  You had indicated in our last phone conversation that you would be reaching out to an attorney
  regarding your claim. If you do retain an attorney to assist you with your claim, please provide
  us with a letter of representation from your attorney for our file.
  Part 919 of the Rules of the ******** Department of Insurance requires that our Company advise
  you that if you wish to take this matter up with the ******** Department of Insurance, it maintains
  a ***************** in ******* at *****************************************************************************************************************
  and in *********** at *****************************************************************
  Sincerely,
  Karyn Metz
  Karyn Metz
  Claims Department
  Disability Claim]
  
  Regards,
  
  *************************

• Initial Complaint

  Date:10/24/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have tried numerous times to resolve the status of my life insurance application. I have been told different things each thing Ive called. I was unable to get resolution from local agent and never accepted the policy or received the policy. I attempted to not taken and explained the issues I experienced with NW and was told my policy would be marked not taken and I would receive a refund of the estimated premiums paid (during medical evaluation period). That didnt happen and now Im being told that Im not due a refund after being told I was due a refund. I feel I have been misled.

  Business Response

  Date: 11/13/2023

  Hello - Our teams have made contact with the client and offered resolution. For that, we consider this resolved. Thank you. 

• Initial Complaint

  Date:10/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I asked for a life insurance quote after all the test the amount I was charged double to what I was quoted, No definite answer just excuses and kept with drawing money from my account and delaying week after week

  Business Response

  Date: 10/20/2023

  Good afternoon - On Thursday, October 19, NM teams issued an apology letter to ********************* with explanation of the premium increase. For this, we consider this case to be resolved. 

  Thank you,

  ***********************

• Initial Complaint

  Date:10/10/2023

  Type:Service or Repair Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I HAVE WROTE ******** EMAILS TO THE OFFICE ABOUT MY AND MY SONS HEALTH INSURANCE AND HOW I DIDNT WANT IT. THEY WOULDNT RESPOND I WOULD SEND ANOTHER ONE. I TOLD THEM FROM ABOUT **** TO CANCEL MY SONS THEY HAD NOT AND WERE CHARGING ME AND STILL TO THE THIS DAY THEY HAVE NOT. ONCE THEY FOUND OUT I WAS CANCELING MY LIFE INSURANCE, THEY LITERALLY TREATED ME LIKE DOG C*** I WAS SO EXCITED ABOUT THE TREATMENT I GOT FROM THEM AT FIRST. THEY TRIPLE CHARGED ME ON MY LIFE INSRUANCE. THEY SAID THEY DIDNT I SHOWED THEM PROOF. DID I HEAR A RESPONSE, NOPE. NOT UNTIL I COMPLAINED TO CORP OFFICE. I JUST WANT MY MONEY BACK OF WHAT I PAID SINCE SAYING I WAS GOING TO CANCEL BACK IN JUNE. I WANT MY MONEY BACK THAT WAS RECENTLY PAID. AND I WANT TO NOT BE CHARGED A CRAZY FEE ON TAKING ALL MY MONEY FROM THEM BECAUSE THEYRE GOOD FOR THAT. DO NOT USE THEM AND THERE DECIETFUL TACTICS.

  Business Response

  Date: 10/26/2023

  Good afternoon - Our teams have made outreach with ************************* and explained the process and provided sufficient data. For this, we consider this case resolved. 

  Thank you,

   

  Customer Answer

  Date: 10/26/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear 

   

  you are lying. I canceled my sons insurance way before the days you required. And it provides decitful practices. I didnt cash a check because I didnt receive it!! And the check has nothing to Do with my sons. You know this two different accounts. Please stay away from them. 
  
  Regards,
  
  *************************

• Initial Complaint

  Date:09/11/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I shave two accounts with Northwestern mutual investment co. In *********, **. One month ago I notified my agent, ***************************, I wanted to close the two accounts because all the money I made was being eaten up with fees. He said he **** do so, but with reluctance. Ever since he has been dragging his feet with one excuse after another for not transferring my money to a credit Union account. Over the last month he has made it very difficult for me. I have paid fees of $1642.00 this last month, and as of today he still has not transferred, hes say must transfer to my checking account not an other ********************** account, he knows this will cause me a big tax penalty if transferred to my checking. Funds are transferred all the time between companys. He wants to penalize me for leaving his company.

  Business Response

  Date: 09/26/2023

  A representative from Northwestern Mutual worked with ****************** and resolved the complaint with the client. They spoke to ****************** twice and he denoted verbally that he was satisfied with the resolution. For that, we consider this case resolved. Thank you.