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.
A company looking to establish a presence in the indexed universal life (IUL) market can. make an immediate impact if they appear to offer a higher cap/par/floor rate than the. average competitor. There are 2 main factors that influence the cap: (1) Interest Yields on. the bonds used to back the product, and (2) Options Prices. In order to offer a higher cap, a. company could do any of the following: