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 insurance (IUL) is permanent life insurance that offers death benefit protection when death. occurs. Like other forms of permanent life insurance, your premium payments may earn interest and grow the. cash value of your policy. What differentiates IUL from other permanent life insurance is the way interest is credited to the policy. In. addition to offering a traditional declared interest rate, IUL also offers the ability to earn interest that is linked to. the movement of a selected stock market index over a specific period of time.