People tend to think of retirement as a finish line. They shouldn’t. It’s really a starting point. The day you stop working is a new beginning, with years of retirement to look forward to. Of course, that means years of retirement income you’ll need to secure. An investment product to consider is a variable annuity.

A variable annuity is a long-term financial product designed for retirement purposes that allows you to accumulate tax-deferred* savings (during the accumulation period) and then, during the annuity payout period, provides you with the option to start receiving regular payments year after year, for the rest of your life or for a specific period of time.

Why choose a variable annuity from GIAC?

Growth Potential	With investment options from some of the nation’s highly regarded money managers, GIAC variable annuities give you the power and flexibility to invest your funds in a way that best matches your needs and risk tolerance.
Tax-Deferred Growth*	Gains earned during the life of your annuity grow tax-deferred, which means you don’t pay taxes until the gains are withdrawn. This can give you significant advantages, especially if you begin to make withdrawals when in a lower tax bracket.
Guaranteed Income Supplements	For an additional fee, today’s more advanced variable annuities offer an optional living benefit called a “guaranteed lifetime withdrawal benefit (GLWB).” A GLWB makes it possible for you to lock in, on day one, a guaranteed level of annual withdrawal amounts for your retirement years. This guaranteed level can grow, but it will never decrease no matter how the investment markets behave—as long as you don’t withdraw more than your guaranteed annual amount in any contract year.
Death Benefit	Variable annuities offer a number of death benefit options that can protect your beneficiaries should you die during the accumulation period (before annuity payments have begun). The standard death benefit, which is provided at no additional cost, essentially guarantees that your premiums, adjusted for withdrawals, will be preserved for your beneficiaries. If you prefer, you may purchase an optional enhanced death benefit (subject to certain age restrictions) that can provide further security for your beneficiaries.

*There is no additional tax deferral benefit for annuity contracts purchased in an IRA or other tax-qualified plan, since these are already afforded tax-deferred status. Thus, an annuity should only be purchased in an IRA or qualified plan if you value some of the other features of the annuity and are willing to incur any additional costs associated with the annuity to receive such benefits.

Who Stands Behind the Product Guarantees:

The Guardian Insurance & Annuity Company, Inc. (GIAC) - formed in 1971, issues variable insurance contracts such as variable annuities and variable life insurance; fixed annuities; and 401(k) funding vehicle products. All guarantees are backed exclusively by the strength and claims-paying ability of GIAC. GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America. It should be noted that, although the insurance features are guaranteed by The Guardian Insurance & Annuity Company, Inc. (GIAC), the variable investment options offered through variable insurance products are not guaranteed and are subject to the inherent risks of investing in securities.

To find out if a Guardian Investor Variable Annuity is right for you, speak with a Guardian Financial Representative  or contact your financial professional today.

Variable Annuities are long-term investment vehicles that involve certain risks, including possible loss of the principal amount invested. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than the original cost. Withdrawals of taxable amounts will be subject to ordinary income tax and possible mandatory federal income tax withholding. If taken prior to age 59½, a 10% IRS penalty may also apply. Withdrawals affect the variable annuity’s death benefit, cash surrender value and any optional benefits and may also be subject to a contingent deferred sales charge.

Variable annuities and their underlying variable investment options are sold by prospectus only. Prospectuses contain important information, including fees and expenses. Please read the prospectus carefully before investing or sending money. You should consider the investment objectives, risks, fees and charges of the investment company carefully before investing. Please contact your investment professional or call 800.221.3253 for a prospectus, which contains this and other important information. To download a contract or fund prospectus, please click here.

Insurance products are offered through a licensed/registered bank or broker/dealer (financial institution), but underwritten by insurance companies. All guarantees mentioned on this site are guarantees of the insurance company and not guarantees of the financial institution.

Contract provisions and investment options vary by state.

Annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation. Variable annuities are distributed by Guardian Investor Services LLC (GIS). GIAC and GIS are located at 7 Hanover Square, NY, NY 10004. GIAC and GlS are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY. (800) 221-3253.

GIS: member FINRA, SIPC

Not a Deposit | Not FDIC or NCUA Insured | May Lose Value | No Bank or Credit Union Guarantee