Disability income insurance policies contain some contractual features and optional benefits that may not available in all states. The ability to perform the substantial and material duties of your occupation is only one of the factors that determine eligibility for disability benefits. These policies also contain exclusions, limitations and reduction-of-benefit provisions. Eligibility for disability income insurance, additional policy benefits and qualification for benefits is determined on a case-by-case basis. For costs and complete details of coverage, please contact a Northwestern Mutual financial representative.
In addition to disclosing results determined in accordance with GAAP, the Company may also disclose certain non-GAAP (such as cash costs and all-in sustaining costs) results of operations, including certain ratios, operational and miscellaneous data, as well as net income, diluted earnings per share, operating expenses, and operating income that make certain adjustments or exclude certain charges and gains that are outlined in the schedules included in this website and other non-GAAP measures. Management of the Company believes that this non-GAAP information provides investors with additional information to assess the Company’s operating performance by making certain adjustments or excluding costs or gains and assists investors in comparing the Company’s operating performance to prior periods. Management uses this non-GAAP information, along with GAAP information, in evaluating its historical operating performance. Neither the Company nor Virtua takes any responsibility for third party pricing data provided for informational purposes and certain ratio results formulated from the provided third party pricing data. The non-GAAP information is not prepared in accordance with GAAP, have no standardized meaning under GAAP and may not be comparable to non-GAAP information used by other companies. The non-GAAP information should not be viewed as a substitute for, or superior to, other data prepared in accordance with GAAP. See the Company’s cautionary statements in its latest interim and annual MD&A’s.
He has been Chairman of the College of Marketing of the Institute of Management Sciences, a Director of the American Marketing Association, a Trustee of the Marketing Science Institute, a Director of the MAC Group, a former member of the Yankelovich Advisory Board, and a member of the Copernicus Advisory Board. He is a Member of the Board of Governors of the School of the Art Institute of Chicago and a Member of the Advisory Board of the Drucker Foundation. He has received honorary doctoral degrees from the Stockholm University, University of Zurich, Athens University of Economics and Business, DePaul University, the Cracow School of Business and Economics, Groupe . in Paris, the University of Economics and Business Admininstration in Vienna, Budapest University of Economic Science and Public Administration, and the Catholic University of Santo Domingo.