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 the. cash value accumulation test is used for indexed universal life insurance. policies, it is similar to the death benefit requirement of the guideline. premium test. The cash value accumulation death benefit factors. vary based on the sex, rate class, and attained age of the insured and.