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.
Indexed Annuity. An indexed annuity is a deferred annuity on which your returns are based upon the performance of an underlying index such as the Dow Jones Industrial Average. You make money if the index rises over the course of the annuity term, although in many instances your returns are capped.