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.
The result has been Universal Life, which has promised â if not always delivered â greater flexibility and faster growth of cash value. (See last weekâs post for more about the differences between Universal Life and Whole Life.) The Debate: Indexed Universal Life vs. Whole Life Insurance. Itâs the age-old Tortoise vs. the Hare story. Policyholders have been questioning for decades if they should choose slow-but-steady growth of Whole Life or roll the dice for the chance of faster gains.