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If you're mosting likely to utilize a small-cap index like the Russell 2000, you may want to stop and think about why an excellent index fund company, like Vanguard, doesn't have any type of funds that follow it. The factor is because it's a poor index. As well as that transforming your entire policy from one index to another is hardly what I would certainly call "rebalancing - universal life insurance single premium." Money value life insurance coverage isn't an appealing asset class.

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I haven't even resolved the straw guy here yet, which is the fact that it is reasonably unusual that you actually have to pay either taxes or considerable payments to rebalance anyway. I never ever have. Most intelligent financiers rebalance as long as possible in their tax-protected accounts. If that isn't fairly enough, early collectors can rebalance purely using new payments.

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And of course, nobody must be buying loaded common funds, ever. It's actually also negative that IULs do not work.