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If you're going to use a small-cap index like the Russell 2000, you might wish to pause and consider why a good index fund firm, like Lead, does not have any kind of funds that follow it. The reason is due to the fact that it's a poor index. In addition to that altering your entire plan from one index to one more is barely what I would certainly call "rebalancing - difference between universal and whole life." Cash money worth life insurance isn't an appealing possession class.

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I have not also attended to the straw man here yet, and that is the reality that it is reasonably rare that you really have to pay either tax obligations or significant commissions to rebalance anyhow. Many smart investors rebalance as much as possible in their tax-protected accounts.

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And of course, nobody should be acquiring loaded mutual funds, ever. It's truly too bad that IULs do not function.