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.
By Anne Marie Helmenstine, Ph.D. A material that readily transmits energy is a conductor, while one that resist energy transfer is called an insulator. There are different types of conductors and insulators because there are different forms of energy. Materials that conduct electrons, protons, or ions are electrical conductors. They conduct electricity. Usually, electrical conductors have loosely bound electrons. Materials that conduct heat are thermal conductors. Substances that transfer sound are acoustical conductors. There are corresponding insulators for each type of conductor.