Registered Market Value Adjustment (MVA) Annuity
A registered market value adjustment (MVA) annuity is a type of non-variable annuity that is a security and therefore regulated by the SEC. It is a contract between you and an insurance company that promises a return based on a fixed minimum rate of interest over a set period of time. If you withdraw or transfer money early, the insurance company adjusts the amount you have withdrawn or transferred. That adjustment is often negative and can significantly reduce the value of your annuity. It is in addition to any surrender charge that might apply.
Concept at a glance
Definition and explanation
A registered market value adjustment (MVA) annuity is a type of non-variable annuity that is a security and therefore regulated by the SEC. It is a contract between you and an insurance company that promises a return based on a fixed minimum rate of interest over a set period of time. If you withdraw or transfer money early, the insurance company adjusts the amount you have withdrawn or transferred. That adjustment is often negative and can significantly reduce the value of your annuity. It is in addition to any surrender charge that might apply. [1]
Source-supported connections
Frequently asked questions
What does Registered Market Value Adjustment (MVA) Annuity mean in the cited reference?
A registered market value adjustment (MVA) annuity is a type of non-variable annuity that is a security and therefore regulated by the SEC. It is a contract between you and an insurance company that promises a return based on a fixed minimum rate of interest over a set period of time. If you withdraw or transfer money early, the insurance company adjusts the amount you have withdrawn or transferred. That adjustment is often negative and can significantly reduce the value of your annuity. It is in addition to any surrender charge that might apply. [1]
Registered Market Value Adjustment (MVA) Annuity connection map
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Sources and review dates
Reviewed 23 October 2026. Historical dates and award-time affiliations retain their original context. A review date is not an event date. Background sources are identified separately from official records.