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 insulating material used in bulk to wrap electrical cables or other equipment is called insulation. The term insulator is also used more specifically to refer to insulating supports used to attach electric power distribution or transmission lines to utility poles and transmission towers. They support the weight of the suspended wires without allowing the current to flow through the tower to ground.