A GMAB reset is an optional feature that restarts the guarantee period using a higher benefit base,typically when market values have increased. Resets can lock in gains and raise the future minimum,but they often extend the holding period or restart waiting requirements and may increase rider charges. Because resets trade time for a higher guarantee, owners evaluate their liquidity needs,surrender schedule, and investment outlook before electing a reset. Proper timing can enhance the protective value of a GMAB while maintaining alignment with retirement timelines.

When markets rise, owners may elect a reset to lock in a higher guarantee base. Advisors model the trade-off-extended holding period and fees-versus the value of a larger floor. Resets are timedaround liquidity needs and surrender charges to preserve flexibility.