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If you're going to use a small-cap index like the Russell 2000, you might wish to stop and think about why a good index fund firm, like Lead, does not have any kind of funds that follow it. The reason is because it's a poor index.
I have not even dealt with the straw guy below yet, and that is the truth that it is fairly rare that you actually have to pay either taxes or substantial commissions to rebalance anyway. A lot of intelligent financiers rebalance as much as feasible in their tax-protected accounts.
And of course, nobody needs to be getting loaded common funds, ever before. It's truly as well poor that IULs do not work.
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