A non-qualified annuity can be established either as an immediate or a deferred annuity. A large one-time payment, otherwise known as a single premium, is likely to be used to fund a non-qualified immediate annuity.
In contrast to conductors, insulators are materials that impede the free flow of electrons from atom to atom and molecule to molecule. If charge is transferred to an insulator at a given location, the excess charge will remain at the initial location of charging.
Insulators are materials that have just the opposite effect on the flow of electrons. They do not let electrons flow very easily from one atom to another. Insulators are materials whose atoms have tightly bound electrons. These electrons are not free to roam around and be shared by neighboring atoms.