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.
There are other factors to consider with an index universal life policy aside from the interest participation rate and interest rate cap. For example: Â· Sometimes, the percentages, caps or margins can change during the contract term. Â· The index return excludes the reinvestment of dividends.