I have both term and permanent life insurance with NWML and have been with them for over 30 years. It is always one of the top rated Life Insurance companies every year I check. My dividends go up evey year and my whole life insurance amounts increase every year. I have had sevearl agents and they have all answered my questions and helped me understand the different ways I can use the insurance to both protect my family and also save for retirement or leave some money to my kids and or charity. It has been a good investment and given me peace of mind that my family would be cared for if something would happent to me. I think that every man that is married should have some life insurance and why not buy it from the best company.