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.
The temporary protection of the term insurance is changed to permanent coverage, and the face value would be reduced based on the insuredâs age and premium payment. Universal life is a flexible premium, adjustable death benefit (face value) insurance which accumulates cash value.