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.
Some examples of insulators are glass, plastic and rubber. Insulators block the flow of electricity through them due to the stability of the electrons surrounding an atom. However, the electrons in some insulators, such as glass, move more freely in extremely high temperatures and can become conductors.