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.
A fixed indexed annuity uses a unique formula to calculate annual interest based on the performance of a stock, bond or commodity index.The index is used as a benchmark, however, you do not actually invest in it, offering balance and protection against the ups and downs in the market.