Скачать или смотреть Market Value Adjustment (MVA) Annuities: Why Your Cash Value Can Go Up or Down Before Maturity

Market Value Adjustment (MVA) Annuities Explained: Why Your Cash Value Can Go Up or Down Before Maturity

In this video, we explain how a Market Value Adjustment works on a fixed annuity with a multi-year guaranteed rate. If you surrender, transfer, or withdraw more than the free amount before the guarantee period ends, the insurer applies an MVA to reflect interest-rate changes since you bought the contract.

You’ll see the core logic: when current rates are higher than at purchase, the MVA is typically negative (reducing cash value in addition to any surrender charge). When current rates are lower, the MVA can be positive (partially offsetting charges). We also note when MVAs usually don’t apply—such as at the end of the guarantee term—and why insurers use them to offer more competitive credit rates.

This video is designed for savers who want higher fixed rates and can hold to term. It may not fit if you need flexible access to principal or expect early withdrawals—consider a non-MVA MYGA or shorter terms instead.

Contact The Annuity Expert for free quotes and personalized guidance on MVA vs. non-MVA annuities.

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