1. 61667 POINTS
    Steve SavantPRO
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    Insurance companies sell fixed interest-rate polices, but with market value adjusted annuity, the policy owner assumes the interest-rate risk. And for that risk, the insurance company generally pays a little higher interest rate than it credits for fixed interest rate annuities. 
    Answered on September 4, 2013
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