How Foam Rubber Is Made. The differences between foam and sponge rubber begin with ingredients and end with molecular structure. Foam rubbers use a blowing agent, typically a gas or a chemical that produces a gas, to create a mass of small bubbles in a liquid mixture.
Financial advisers working with indexed universal life insurance are finding themselves in the middle of a heated battle between state regulators and the life insurance industry. In an otherwise sleepy corner of the product market, indexed universal life insurance has been a stand-out seller.
Indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account.Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100.or example, if the gain is 6%, the participation rate is 50% and the current cash value total is $10,000, $300 is added to the cash value [(6% x 50%) x $10,000 = $300]. IUL policies typically credit the index interest to cash accumulations either once a year or once every five years.