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.
verb (used with object), insulated, insulating. 1. to cover, line, or separate with a material that prevents or reduces the passage, transfer, or leakage of heat, electricity, or sound: to insulate an electric wire with a rubber sheath; to insulate a coat with down. 2. to place in an isolated situation or condition; segregate. Origin of insulate.