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If you're going to make use of a small-cap index like the Russell 2000, you may desire to stop briefly and think about why a good index fund business, like Vanguard, doesn't have any funds that follow it. The reason is due to the fact that it's a poor index. In addition to that transforming your entire policy from one index to an additional is hardly what I would call "rebalancing - best iul." Cash money worth life insurance policy isn't an attractive possession course.

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I haven't even dealt with the straw man below yet, and that is the fact that it is relatively rare that you actually have to pay either taxes or significant compensations to rebalance anyhow. A lot of intelligent investors rebalance as much as feasible in their tax-protected accounts.

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And of course, no one should be purchasing crammed mutual funds, ever. It's actually also poor that IULs don't work.