Pacific Life IUL products have been slowing getting worse and worse. The Pacific Discovery Xelerator 2 Indexed Universal Life Insurance product is worse than the initial PDX IUL. Pacific Life keep making their IUL products more and more expensive. The one thing that can derail an IUL faster than anything (besides a poorly designed product) is abnormally high fees.
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Did you miss my first review on the Pacific Life Pacific Discovery Xelerator? you can find it here: https://youtu.be/V6hP7d96RrA
Unfortunately this product has chosen agent compensation and unknowable bonuses over client-focused straightforward products.