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.
Variable universal life insurance products are distributed by Voya America Equities, Inc. Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. All are members of the VoyaÂ® family of companies.