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.
Compared to a standard whole life insurance policy, where there is a given (and usually quite low) rate of return on the cash value, the indexed universal life insurance policy allows you to âinvestâ your cash value in the stock market, thereby mimicking the performance of the overall stock market.ndexed universal life insurance is a type of permanent, or whole life insurance product with an insurance component and a cash value component.