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.
âAdvisers need to look at this and say we can't take a bond yielding 3.5% and turn it into something that produces 9%. Like its indexed annuity cousin, indexed universal life insurance credits interest to a client's policy based on the performance of a market index, up to a stated cap. These life insurance policies also buffer clients' cash value from downward movement in the event the product fails to perform.