The Best Mva Annuity Ideas. Web a market value adjustment (mva) is a contract clause associated with fixed deferred annuities. When you do, it’s on the assumption that in return for paying premiums you’ll receive distribution payments later.

When you do, it’s on the assumption that in return for paying premiums you’ll receive distribution payments later. Earnings will grow at the stated interest rate on a tax deferred basis. Insurance companies use market value adjustments to reduce their risk of loss should the annuitant take too many early withdrawals or cancel the contract during the accumulation phase.