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all i have seen are cons so far for Northwestern WL. am i the only one who thinks Guardian had way more pros over the course of this discussion?
This is an internet forum made up almost exclusively of independent agents who cannot sell NMLs products and must compete against them in the open insurance marketplace (neither good nor bad, it just is). That is a grain of salt you must take into consideration.
Without getting into the quality of advice given here (I am sure it is honest, heartfelt and intended to be accurate and objective), if it were me I would prepare a list of questions brought up in this thread and present them to your NML agent (beforehand, don't ambush him/her, that's bush league) and have the agent address them point by point.
How your agent handles that and how NML stacks up in real numbers and value in response to these questions will tell you what you need to know before you move forward.