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If you're going to use a small-cap index like the Russell 2000, you may want to stop and consider why a good index fund company, like Vanguard, doesn't have any kind of funds that follow it. The factor is due to the fact that it's a poor index.

Indexed Universal Life Pros And Cons

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I haven't also dealt with the straw man below yet, and that is the truth that it is reasonably rare that you actually have to pay either taxes or substantial commissions to rebalance anyhow. Many smart financiers rebalance as much as feasible in their tax-protected accounts.

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And of course, no one needs to be acquiring crammed mutual funds, ever before. It's actually also bad that IULs don't work.