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.
Like whole life, universal life is a type of permanent life insurance; however, it offers more flexibility than other policies. For example, under universal life insurance, you can generally adjust the amount of your premiums and decide when you want to make payments (after youâve made your first premium payment). You can also adjust the amount of your death benefit.