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.
With variable universal life policies, the cash value is invested, typically in mutual funds. With index universal life insurance, on the other hand, the interest rate credited to the cash value is based on the performance of a market index, such as the S&P 500. The cash value interest rate, for example, may be 70 percent of the price gain on the S&P 500.