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.
Online service is available for most term life, whole life, universal life, and variable universal life insurance policies, as well as fixed annuity contracts, issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499, and Transamerica Life (Bermuda) Ltd., Hamilton, Bermuda.