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.
Pensions are fully indexed each year. The indexation rate is set according to the rise in the cost of living as established by Retraite QuÃ©bec on the basis of information provided by Statistics Canada. Pension indexing ensures that beneficiaries maintain the same purchasing power.