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: What Insurance Agents and Financial Advisors Really Think. âBelieve (me), itâs not fun tryÂ­ing to explain to a client why his cash value went down and what are those high fees about.â. â Agent/Advisor discussing Whole Life vs. Indexed Universal Life with a colleague.