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 is considered to be more flexible than term or whole life insurance because you have the ability to adjust your premium payments to fit your situation. This means if money is tight, and you have sufficient cash value, you can lower or skip a premium payment simply by notifying your Transamerica agent.