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.
According to Riversource, a few great benefits of Variable Universal Life Insurance include: 1  Income tax-free death benefit. 2  Lifetime protection. 3  Opportunities to participate in the equities market. 4  Tax-deferred growth. 5  Flexible death benefit and premium amounts. 6  Income tax-free access to your cash value (when properly structured)