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If you're going to utilize a small-cap index like the Russell 2000, you may want to stop briefly and consider why a good index fund firm, like Vanguard, does not have any kind of funds that follow it. The reason is due to the fact that it's a poor index. Not to discuss that transforming your whole policy from one index to an additional is barely what I would call "rebalancing - universal life option 1." Cash money value life insurance policy isn't an eye-catching possession course.

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I haven't even resolved the straw man below yet, and that is the truth that it is relatively unusual that you in fact have to pay either taxes or considerable payments to rebalance anyway. Many intelligent financiers rebalance as much as feasible in their tax-protected accounts.

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And of program, no one should be purchasing loaded mutual funds, ever. It's actually too bad that IULs don't work.