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.
Universal Life Insurance. A form of permanent life insurance coverage, universal life insurance has many similarities to whole life insurance but affords a greater degree of flexibility. With universal life insurance coverage, the policyholder can change, to an extent, the death benefit and the size and timing of the policy's premium.