They push whole life pretty hard. I think it's not appropriate for most people. Unless you're maxing out all your retirement options, and are fully insured with disability and long term care insurance, I wouldn't bother.

I just replaced my policies with 30 year level premium policies that will expire when I retire. I just won't need life insurance after that.

The only reason to use whole life insurance as a savings vehicle is if you're making a huge income and the only options left for investing are taxable investments.

Also, whole life isn't always tax free withdrawals like they say it is. I found out that one just before I left Northwestern. I'd get advice from a CPA and an investment advisor outside of Northwestern Mutual before deciding on whole life.