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.
Cautiousâ, a 50-year old man in better-than-average health who was recently weighing the purchase of an indexed universal life insurance policy (the âPolicyâ). Mr. Cautiousâ insurance advisor had recommended this product as a conservative way to build cash over a mid-to-long term time horizon.