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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 great index fund company, like Vanguard, does not have any funds that follow it. The reason is since it's a poor index.

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I have not even attended to the straw male here yet, and that is the reality that it is fairly uncommon that you in fact have to pay either tax obligations or considerable commissions to rebalance anyway. Many intelligent investors rebalance as much as possible in their tax-protected accounts.

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And of course, nobody should be buying crammed common funds, ever before. It's actually too poor that IULs don't function.