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... on its panels it is able to develop plans that financially support the company in its objectives and also offer the company opportunities to explore through an array of investment opportunities available in the market. According to the Official Website [2003] the company's purpose is thus to:

ďAs a mutual company, Northwestern Mutual exists for the benefit of its policy owners and customers. The company helps clients protect against financial risk and achieve financial security. Participating policy owners share in the surplus of the company through dividends, receiving their insurance at a minimal cost."

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"In addition to the ABCs, parents need to teach their kids about basic money management," says Schug. "Economic education has become an essential part of learning, and Northwestern Mutual's findings confirm the critical role of parents in modeling positive behaviors including budgeting, investing and long-term planning." [American Dream or Financial Fantasy, 2003].

Studying the pattern of retirements one observe from the report that the American market views their future as optimistic and on an average they consider their retirement would be around 61 years or younger. The average age of life expectancy is estimated at 83 years leaving the ...

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