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.
General uses of variable universal life. 1  Financial protection - as with all life insurance programs, VULs can be used to protect a family in the case of a premature death. 2  Tax advantages - because of its tax-deferred feature, the VUL may offer an attractive tax advantage, especially to those in higher tax brackets.