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If you're going to make use of a small-cap index like the Russell 2000, you might wish to pause and think about why an excellent index fund firm, like Vanguard, doesn't have any kind of funds that follow it. The factor is because it's a lousy index. In addition to that changing your whole policy from one index to one more is barely what I would call "rebalancing - are iul a good investment." Money worth life insurance policy isn't an appealing property course.

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I have not even attended to the straw male below yet, and that is the truth that it is relatively uncommon that you actually have to pay either tax obligations or significant commissions to rebalance anyhow. Most intelligent capitalists rebalance as much as possible in their tax-protected accounts.

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