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If you're going to use a small-cap index like the Russell 2000, you could wish to stop and consider why a good index fund business, like Vanguard, doesn't have any funds that follow it. The factor is because it's a poor index. As well as that altering your whole policy from one index to one more is rarely what I would certainly call "rebalancing - disadvantages of indexed universal life insurance." Money worth life insurance policy isn't an attractive property course.
I haven't even dealt with the straw male below yet, and that is the reality that it is fairly unusual that you actually have to pay either taxes or substantial commissions to rebalance anyway. Many smart capitalists rebalance as much as possible in their tax-protected accounts.
And of course, no one must be getting loaded shared funds, ever before. It's actually as well negative that IULs do not work.
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