Over the lifespan of a 30 year IUL/VUL, the average fee is about 1% which is around the same cost of most mutual funds. 

Here are the most common capital expenses associated with the rental properties I've owned:-  Roof Replacement-  HVAC Replacement-  Hot Water Heater Replacement-  Replace All Windows-  Replace Appliances-  Replace FlooringIf I were to try to determine the cost of capital expenses for a rental, I would use that list and assign a life span and replacement cost to each item based on the specifics of the property.For example, it might look like this:-  Roof - Every 20 Years - $5000-  HVAC - Every 20 Years - $5000-  Hot Water Heater - Every 8 Years - $800-  Windows - Every 20 Years - $5000-  Appliances - Every 10 Years - $2000-  Flooring - Every 5 Years - $2000So, for that particular property, every 20 years I would spend about $29,000.  

They are only more efficient if you use less than 40 gallons per day...ahaha.Standard tank heaters have an expected life span of 10-15 years, but they will usually last up to 30 years with even occasional maintenance.

The have a life span, are NOT recyclable only some components are and rest are wildly toxic for a looooooong time.