The Annual Reset Advantage Another great benefit of FIAs is the Annual Reset Feature. Each year, on the client’s anniversary date, all the gains from the prior year are locked in and become part of the account value. Once those gains are credited, they can never be lost due to market corrections. This means: • Principal, bonuses, and accrued earnings are safe and secure. • The account value will never decrease unless the client takes a withdrawal. • Most FIAs allow penalty-free withdrawals of 5% to 10% per year, giving clients liquidity without penalty. The only way a client’s account will decline is if they break their contracts such as surrendering the annuity early or withdrawing more than the allowed penalty-free amount. Otherwise, the money is protected for life. With this powerful reset feature, clients can truly say: “I can never lose money due to market losses, and I keep every gain I earn along the way.” How Safe Is Your Financial Ship? On April 14, 1912, the Titanic disaster claimed the lives of 1,522 passengers. A little over 2,200 people boarded the “unsinkable ship,” believing they were perfectly safe. Yet pride and arrogance blinded management to reality. To preserve the ship’s image, lifeboats were left on the dock— dismissed as unsightly. A deckhand even bragged, “Not even God can sink this ship.” But the Bible warns us: “When pride comes, then comes disgrace, but with the humble is wisdom.” — Proverbs 11:2 “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and instruction.” — Proverbs 1:7
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