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.
A universal life policy will allow you to change the amount you pay for the premium, the death benefit, or the cash value at any time. Any adjustment you make will affect one or both of the other areas. For example, increasing your payment will increase either your cash value, death benefit, or both.