A few years ago I saw a good analysis using IUL for retirement and eventual tax free income in retirement. They used a life insurance company in So Cal, possibly San Diego. It was not Pac Life. They minimized the death benefit to make it more of a retirement vehicle. It seemed like it might be very good for someone who maxed out their IRA. It seemed like a better alternative to a Fixed Indexed Annuity for the right person. The ability to pull money out down the road was pretty attractive. I realize IUL's have been and are being oversold in many cases. Any ideas? Or is North American a good alternative? Thanks.