But the big thing about NA is that they have a secondary feature called the "Protected Death Benefit". This is an option that guarantees the DB will never be less than $25k.
It has the same age 65 / 15 years requirement. But it does not have any of the other requirements. The only catch is that you must elect for this to kick in, it is not automatic. But when the policy gets into trouble territory they automatically send you a letter suggesting to do it.
I agree SC, that is a nice feature they offer for sure.
Personally, I'll take a max funded PLI policy over a ROTH any day.