AmongParticipation Agreement • April 28th, 2005 • NML Variable Annuity Account B • Massachusetts
Exhibit B(3)Selling Agreement • March 24th, 2000 • NML Variable Annuity Account B • Wisconsin
PARTICIPATION AGREEMENT Among RUSSELL INSURANCE FUNDS, RUSSELL FUND DISTRIBUTORS, INC. and THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANYParticipation Agreement • April 28th, 2005 • NML Variable Annuity Account B • Washington
CONTRACT NUMBER 12 345 678 PRIMARY ANNUITANT John J. Doe ISSUE DATE July 31, 2001Variable Annuity Contract • May 31st, 2001 • NML Variable Annuity Account B
CONTRACT NUMBER 00 000 000Flexible Payment Variable Annuity Contract • April 29th, 2004 • NML Variable Annuity Account B • New York
CONTRACT NUMBER 00 000 000Flexible Payment Variable Annuity Agreement • April 29th, 2004 • NML Variable Annuity Account B • New York
ENHANCED DEATH BENEFITEnhanced Death Benefit Amendment • April 28th, 2014 • NML Variable Annuity Account B
As of the Issue Date, this amendment is made part of this annuity Contract issued by The Northwestern Mutual Life Insurance Company. In the case of a conflict with any provisions in the Contract, the provisions of this amendment will control.
AMENDMENT NO. 3 TO PARTICIPATION AGREEMENTParticipation Agreement • April 24th, 2013 • NML Variable Annuity Account B
This Amendment No. 3 (the “Amendment”) is made this 29th day of August, 2007 to the Participation Agreement (the “Agreement”), dated March 16, 1999, as amended by Amendment No. 1, dated August 7, 2000, and by Amendment No. 2, dated October 13th, 2006, by and among The Northwestern Mutual Life Insurance Company (the “Company”), Russell Investment Funds, formerly known as Russell Insurance Funds (the “Investment Company”), and Russell Fund Distributors, Inc. (the “Underwriter”).
FLEXIBLE PAYMENT VARIABLE ANNUITY - ACCOUNT B Net Purchase Payments accumulated in a Separate Account, assets of which are invested in shares of one or more mutual funds, or Guaranteed Accounts. Contract benefits payable in one sum or as variable or...Flexible Payment Variable Annuity Contract • August 19th, 2005 • NML Variable Annuity Account B
THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT PROVISION WHICH IS APPLICABLE TO ONLY A MULTI-YEAR GUARANTEED INTEREST FUND. IF ALL OR A PORTION OF THE ACCUMULATION VALUE IS WITHDRAWN OR TRANSFERRED FROM A MULTI-YEAR GUARANTEED INTEREST FUND, THE WITHDRAWAL OR TRANSFER MAY BE ADJUSTED UPWARD OR DOWNWARD BASED ON A MARKET VALUE ADJUSTMENT FORMULA.
Exhibit-B(4)(b)Flexible Payment Variable Annuity • February 25th, 1999 • NML Variable Annuity Account B
AMENDMENT OF ANNUITY CONTRACT FOR USE AS A CHARITABLE REMAINDER UNITRUSTAnnuity Contract Amendment • February 22nd, 2007 • NML Variable Annuity Account B
The amount of the monthly income paid as the maturity benefit will be paid to the Owner and will depend on the payment plan chosen (see Section 11) and the maturity value. The maturity value of this contract will be the Accumulation Value of the Contract on the effective date of the maturity benefit. The maturity benefit will be effective on the Maturity Date. However, if the New York Stock Exchange is closed on the Maturity Date, the effective date will be the Valuation Date next preceding the Maturity Date.
Net Purchase Payments accumulated in a Separate Account, assets of which are invested in shares of one or more mutual funds, or Guaranteed Interest Fund 1. Contract benefits payable in one sum or as variable or guaranteed monthly income. Variable...Flexible Payment Deferred Variable Annuity Contract • April 28th, 2014 • NML Variable Annuity Account B
On the Issue Date, Purchase Payments and contract values may be allocated among the following Investment Accounts. Available Separate Account Divisions are subject to change. See Section 2.1.
Net Purchase Payments accumulated in a Separate Account, assets of which are invested in shares of one or more mutual funds, or Guaranteed Accounts. Contract benefits payable in one sum or as variable or guaranteed monthly income. Variable income plan...Flexible Payment Deferred Variable Annuity Contract • April 28th, 2014 • NML Variable Annuity Account B
THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT PROVISION WHICH IS APPLICABLE TO ONLY A MULTI-YEAR GUARANTEED INTEREST FUND. IF ALL OR A PORTION OF THE ACCUMULATION VALUE IS WITHDRAWN OR TRANSFERRED FROM A MULTI-YEAR GUARANTEED INTEREST FUND, THE WITHDRAWAL OR TRANSFER MAY BE ADJUSTED UPWARD OR DOWNWARD BASED ON A MARKET VALUE ADJUSTMENT FORMULA.
FLEXIBLE PAYMENT VARIABLE ANNUITY - ACCOUNT B Net Purchase Payments accumulated in a Separate Account, assets of which are invested in shares of one or more mutual funds, or Guaranteed Interest Fund 1. Contract benefits payable in one sum or as...Flexible Payment Variable Annuity • February 21st, 2006 • NML Variable Annuity Account B
Right To Return Contract. Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202 or the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the Accumulation Units of the Separate Account on the effective date of return.
Exhibit (b)(4)(d) ENHANCED DEATH BENEFITEnhanced Death Benefit Amendment • April 28th, 2005 • NML Variable Annuity Account B
As of the Issue Date, this amendment is made part of this annuity contract issued by The Northwestern Mutual Life Insurance Company. In the case of a conflict with any provisions in the contract, the provisions of this amendment will control.
Exhibit B(4)(c) ENHANCED DEATH BENEFIT As of the Issue Date, this amendment is made part of this annuity contract issued by The Northwestern Mutual Life Insurance Company. In the case of a conflict with any provisions in the contract, the provisions...Annuity Contract Amendment • April 29th, 2004 • NML Variable Annuity Account B
Exhibit (b)(4)(c)(3) AMENDMENT OF ANNUITY CONTRACT TO QUALIFY AS FORMER PENSION ANNUITYAnnuity Contract Amendment • March 24th, 2006 • NML Variable Annuity Account B
As of the Date of Issue, this Amendment is made a part of this annuity contract issued by The Northwestern Mutual Life Insurance Company. Notwithstanding any other specific provisions in this contract to the contrary, this contract is amended to restrict the exercise of the rights of the Owner and any beneficiary, and to limit the purchase payment, as follows:
Exhibit B(4)(d)Waiver of Withdrawal Charge • April 29th, 2004 • NML Variable Annuity Account B
PARTICIPATION AGREEMENT AMONG RUSSELL INSURANCE FUNDS, RUSSELL FUND DISTRIBUTORS, INC. AND THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANYParticipation Agreement • February 25th, 1999 • NML Variable Annuity Account B • Washington
ContractFlexible Payment Variable Annuity Contract • March 24th, 2006 • NML Variable Annuity Account B
The Northwestern Mutual Life Insurance Company agrees to pay the benefits provided in this contract, subject to its terms and conditions. Signed at Milwaukee, Wisconsin on the Issue Date.
FLEXIBLE PAYMENT VARIABLE ANNUITY - ACCOUNT B Net Purchase Payments accumulated in a Separate Account, assets of which are invested in shares of one or more mutual funds, or Guaranteed Interest Fund. Contract benefits payable in one sum or as variable...Flexible Payment Variable Annuity • April 28th, 2005 • NML Variable Annuity Account B
Right To Return Contract. Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202 or the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the Accumulation Units of the Separate Account on the effective date of return.
1 EXHIBIT B(4)(d) WAIVER OF WITHDRAWAL CHARGE As of the Issue Date, this amendment is made part of this annuity contract issued by The Northwestern Mutual Life Insurance Company. In the case of a conflict with any provisions in the contract, the...Waiver of Withdrawal Charge • March 24th, 2000 • NML Variable Annuity Account B
The Northwestern Mutual Life Insurance Company agrees to pay the benefits provided in this contract, subject to its terms and conditions. Signed at Milwaukee, Wisconsin on the Date of Issue. CHAIRMAN AND C.E.O SECRETARYDeferred Variable Annuity Contract • March 24th, 2006 • NML Variable Annuity Account B
Net considerations accumulated in a Separate Account, assets of which are invested in shares of one or more mutual funds.
MASON STREET VARIABLE ANNUITY FLEXIBLE PAYMENT VARIABLE ANNUITY - ACCOUNT B Net Purchase Payments accumulated in a Separate Account, assets of which are invested in shares of one or more mutual funds, or Guaranteed Interest Fund. Contract benefits...Flexible Payment Variable Annuity Contract • April 28th, 2005 • NML Variable Annuity Account B
Right To Return Contract. Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202 or the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the Accumulation Units of the Separate Account on the effective date of return.
CONTRACT NUMBER 00 000 000Mason Street Variable Annuity Contract • April 29th, 2004 • NML Variable Annuity Account B • New York
FLEXIBLE PAYMENT VARIABLE ANNUITY - ACCOUNT B Net Purchase Payments accumulated in a Separate Account, assets of which are invested in shares of one or more mutual funds, or Guaranteed Interest Fund. Contract benefits payable in one sum or as variable...Flexible Payment Variable Annuity Contract • April 28th, 2005 • NML Variable Annuity Account B
Right To Return Contract. Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 720 East Wisconsin Avenue, Milwaukee, Wisconsin 53202 or the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the Accumulation Units of the Separate Account on the effective date of return.
1 EXHIBIT B(4)(c)Enhanced Death Benefit Amendment • March 24th, 2000 • NML Variable Annuity Account B
Exhibit B(4)(c)Enhanced Death Benefit Amendment • April 29th, 2004 • NML Variable Annuity Account B
Exhibit (b)(4)(e) WAIVER OF WITHDRAWAL CHARGEWaiver of Withdrawal Charge • April 28th, 2005 • NML Variable Annuity Account B
As of the Issue Date, this amendment is made part of this annuity contract issued by The Northwestern Mutual Life Insurance Company. In the case of a conflict with any provisions in the contract, the provisions of this amendment will control. The following provisions are hereby added to the contract:
