Thank you for your comment and here are my thoughts. After years of seeing both Pacific Life and Nationwide -- I find that Pacific Life works better from an investment standpoint, if you are looking at Variable Life as a retirement tool. If you'd like to call me at (408) 399-6600 I can help you see the specifics that relate to you personally becuase Variable Life does take into consideration your age, sex, current health etc. to establish the plan. And in my firm, we also manage money, such as IRA, 401(K), retirement and other money as a Money Manger and charge a money management fee for these services. Look forward to hearing from you and you sound knowledgeable about investment choices. Best to you, Joan