David, I must point out that there is a possibility (however small you think it is) that your
"research" might be incomplete.
Obviously I have no idea of your financial responsibilities NOR your POTETIAL future
responsibilities might be, so I can NOT pass judgement on the adviseability of your initial
purchase. However, I might point out a few items that you could possibly have overlooked:

a) The "contestability period" in the contract is OVER
b) Your needs & responsibilities WILL change over the years
c) Your "insurability " will most definetly CHANGE over the years
d) most of the "cost factor" built into the contract has already been PAID
e) the actual C.O.I. will be the paramount cost to you from this point on
f) any NEW contract will have NEW costs to be paid (in addition to the higher C.O.I.)
g) since your contract is an "adjustable Life policy, there are many variables available to you
in premium "contribution"

If you feel that none of the above is applicable to you, then I am afraid that the "cost of
surrender" will no doubt be at least equal to the current Cash Value of the contract (ie: bupkis
cash to you)

Cal Lester CLU


david w. wrote:
- quote -

After some research, it looks like it was a poor decision as a 28 year
old to go with such a policy (Northwestern Mutual Adjustable CompLife).
With about 2 years of premiums paid, can anyone advise as to the best
way to get out while cutting losses?

Thanks!!