Sounds like a bad deal in the end. Try some big companies, like Prudential, State Farm, Farmers or the company that carries your auto insurance. And, just ask for some term life insurance quotes.

2. ROTH IRA MEANS ADDED MONEY
Roth IRAs are effective monetary saving techniques because of one main up-sell: you don't pay taxes on the interest until you withdraw the money. All legal. This means that the money that would have immediately went to Uncle Sam is compounding on your behalf. Imagine this amount compounded when you're 65, or 42 years down the line. The downside to Roth IRAs is that (1) there are different types out there, and thus require study and knowledge to find the right one for you, and (2) some of those have limitations as to how much money can de invested on a yearly basis.

http://search.yahoo.com/search?ei=utf-8&fr=slv8-hptb5&p=roth%20IRA&type=

http://en.wikipedia.org/wiki/Roth_IRA

http://www.rothira.com/
This is a biased site. Don't let the name fool you, as ".com" means commercial.

3. LOW RISK MUTUAL FUNDS
With the economy in the shape that it is now, any mutual funds should be kept LOW RISK. Aside from the stock market, one factor that should aid you in determining the strength of your investment is the unemployment rate. After the economy bounces back, you can then decide to go MODERATE or HIGH RISK.

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YOU are in control of YOUR funds! Only accept accounts that are flexible FOR you! As a consumer, you DO NOT want to be treated any other way. Remember: you want OPTIONS over ULTIMATUMS.

Don't let your financial 'tastebuds' be lulled by a salesman's 'candy' voice. They can slip in an ultimatum or two that can get by the best of us. There is too much information on the net and too many videos on youTube:
http://www.youtube.com/results?search_query=roth+ira&search_type=

..that help you. This is free help.

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http://search.yahoo.com/search?ei=UTF-8&fr=slv8-hptb5&p=mutual+funds&SpellState=n-1093607227_q-NGwAm2OuV1xIrMY1taAfvgAAAA%40%40&fr2=sp-qrw-corr-top

http://en.wikipedia.org/wiki/Mutual_fund

Here is information on your representative's banking institution:
http://www.nmfn.com/

The abbreviated name of your institution is "nmfn". In this yahoo! search, you will notice that Northwestern has sites specifically for ertain areas:

http://www.nmfn-nebraska.com/
http://www.nmfn-chicago.com/
http://www.nmfn-maryland.com/
http://www.nmfn.com/toledofinancial

Take this into consideration.

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http://www.youtube.com/watch?v=xdocqxSDsAw
http://www.youtube.com/results?search_query=student+loans&search_type=&aq=0&oq=student+loan

1 Northwestern Mutual 7.49
2 New York Life 7.19
3 Prudential Financial 7.01
4 ING Group 6.23
5 AXA 6.08
6 MetLife 5.94
7 Aegon 5.36
8 Nippon Life Insurance 5.17
9 Prudential PLC 5.03
10 Aviva 4.97
11 Dai-ichi Mutual Life 4.92
12 CNP Assurances 4.71
13 Assicurazioni Generali 4.64
14 Sumitomo Life Insurance 4.45
15 Meiji Yasuda Life Insurance 4.14
16 China Life Insurance 3.83