Pub. 5 2014 Issue 3

fall 2014 9 West Virginia Banker YOUR BANK’S PRODUCTS ARE OF THE HIGHEST QUALITY. CAN YOU SAY THE SAME FOR YOUR BOLI? BOLI products aren’t all the same and neither are the companies behind them. Northwestern Mutual has the quality BOLI products you need - backed by the strength and security that you require. Northwestern Mutual is one of the “World’s Most Admired” life insurance companies according to executives, directors and analysts responding to FORTUNE® magazine’s 2013 annual survey (February 2013 issue). Northwestern Mutual has the highest financial strength ratings awarded to any life insurer by all four of the major credit ratings agencies. • A++ A. M. Best (April 2013) • AAA Fitch Ratings (December 2012) • AA+ Standard & Poor’s (June 2013) • Aaa Moody’s Investors Service (July 2013) The Northwestern Mutual Life Insurance Company, Milwaukee, WI (Northwestern Mutual). Individuals listed are Insurance Agents of Northwestern Mutual (life and disability insurance, annuities) and Registered Representatives of Northwestern Mutual Investment Services, LLC (securities), a subsidiary of Northwestern Mutual, broker-dealer and member FINRA and SIPC. A.M. Best A++ (highest), 4/2013; Fitch AAA (highest), 12/2012; Moody’s Investors Service Aaa (highest), 7/2013; Standard & Poor’s AA+ (second highest), 6/2013. Ratings are subject to change. Michael A. Oliverio, II, MBA 121 Simpson Street Morgantown, WV 26501 (304) 292-3339 michaeloliverio.com Melissa K. Oliverio, J.D., CLTC 121 Simpson Street Morgantown, WV 26501 (304) 292-3339 melissaoliverio.com John H. Milne, J.D., LL.M 3901 Westerre Parkway, Ste.300 Richmond, VA 23233 (804) 762-7036 john-milne.com Gerald Martin, CPA 3901 Westerre Parkway, Ste.300 Richmond, VA 23233 (757) 348-3083 nm.com/jerrymartin These financial representatives are endorsed by the West Virginia Bankers Association as their BOLI vendors.