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.
When people think of life insurance, they generally think only of death benefit. But there are some types of life insurance coverage that can actually offer benefits to the insured while they're still living. One of these is universal life insurance (UL). By definition, a UL policy is a form of permanent insurance that offers extreme flexibility in premiums. While it's similar to a whole life policy, it's better described as a flexible premium adjustable life policy.