Annuity Zoo

Also at each contract anniversary, any interest that is
credited to your annuity is automatically locked in so it
becomes part of your annuity's new Accumulated Value.
Because this product features an "annual reset," the index
value is reset at the beginning of each new contract year-
meaning that each year's ending index value becomes the
next contract year's beginning value. Even if the value of
the index declines in later years, the interest that has already
been credited to your contract cannot be lost to future
market downturns. Your annuity's "contract year" is based
on the date you purchased the contract, not on a calendar
year basis.