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 insulator is a material or method that restricts the transfer of either heat or electricity. Insulators are used to protect us from the dangerous effects of electricity flowing through conductors. Insulators are materials that have just the opposite effect on the flow of electrons.