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.
An electrical insulator is a material whose internal electric charges do not flow freely, and therefore make it impossible to conduct an electric current under the influence of an electric field. This contrasts with other materials, semiconductors and conductors, which conduct electric current more easily.