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.
Positive charges may also be mobile, such as the cationic electrolyte (s) of a battery, or the mobile protons of the proton conductor of a fuel cell. Insulators are non-conducting materials with few mobile charges and support only insignificant electric currents.