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.
I have read and the agent has explained the information presented on this page. ___________ (initial) 3. Indexed Universal Life is a form of permanent life. insurance which combines pure insurance protection. with cash value accumulation. Premiums paid in excess. of the pure insurance cost accumulate at interest, tax.