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.
The investment nature of some life insurance policies is more obvious than others. Policies that are designed to build cash value, such as whole life, variable life and indexed universal life, allow the policyholder to access a return on their investment without having to wait for a loss to occur.