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.
One of these is universal life insurance (UL). By definition, a UL policy is a form of permanent insurance that offers extreme flexibility in premiums. While it's similar to a whole life policy, it's better described as a flexible premium adjustable life policy.