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 policies were sold in two varieties: 1  Basic, with a tax-free cash buildup from interest earned by the insurance company investing the premiums in bonds. 2  Variable, where the policyholder usually chose stock mutual funds and the return on the investments helped create the policyâs death benefit.