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 only difference between an indexed universal life policy and other permanent life insurance policies is the way interest is credited to the clientâs policy value, said Ray Caucci, senior vice president of product management, underwriting and advanced sales at Penn Mutual Life Insurance Company in Horsham, Penn.Itâs important to note dividends are not included.â. Read More: How Marijuana Affects Life Insurance. An indexed universal life policy is a good asset for investors ranging from 18 to 50 years old, because the principal amount of the policy can never decline, Carrillo said.