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.
Insulators do this by slowing down the loss of heat from warm things and the gaining of heat by cool things. Plastics and rubber are usually good insulators. It is for this reason that electrical wires are coated to make them more safe to handle. Metals, on the other hand, usually make good conductors.