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.
According to energy provider Pacific Power, electricity travels through the path of least resistance. Materials that allow the free flow of electricity are called conductors. Common insulators are metal, water and moist objects like plants and people. Insulators are materials that do not conduct electricity; they include rubber, plastic and glass.