My brother brought me a case where the applicant is a 58 year old non-smoker. He has been approved at Preferred rates with both Mutual of Omaha and Northwestern Mutual. The applicant is stating that he has decided to go with Northwestern, because Northwestern's policy is $1,876 for a 20 year level term. That didn't sound right, so I went to term4sale.com and saw that Northwestern's 20 year level term is $2,402. Does anyone know exactly what the policy the Northwestern guy is quoting might be and what exactly the terms are?