1. The National Retirement Risk Index, which is an index tracking American households who are at risk of not being able to support their pre-retirement lifestyles during retirement.

2. Providing your withdrawals don't exceed the guaranteed annual amount in any contract year. If a withdrawal exceeds the Guaranteed Withdrawal Amount (GWA) or if the withdrawal causes the total withdrawals in a given contract year to exceed the GWA it would have an adverse effect on your GLWB rider benefits.

3. If a withdrawal exceeds the Guaranteed Withdrawal Amount (GWA) or if the withdrawal causes the total withdrawals in a given contract year to exceed the GWA it would have an adverse effect on your GLWB rider benefits. Following the GLWB rider rules is key to providing the guarantee you expect. This hypothetical chart is for illustration purposes only and does not depict actual performance of any Guardian Investor Variable Annuity.


IMPORTANT CONSIDERATIONS ABOUT VARIABLE ANNUITIES

This material is for informational use only. It should not be relied on as the basis to purchase a variable annuity or implement a retirement strategy.

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 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 living benefit 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. The prospectus contains this and other important information. To obtain a prospectus, please contact your investment professional or call 800.221.3253. To download a contract or fund prospectus, please visit www.GuardianLife.com.

The Guardian Investor Variable Annuities currently consist of The Guardian Investor Variable Annuity B Series® and The Guardian Investor Variable Annuity L Series® products. All guarantees are backed exclusively by the claims-paying ability of The Guardian Insurance & Annuity Company, Inc. (GIAC). Variable annuities are issued by GIAC, a Delaware corporation, and distributed by Guardian Investor Services LLC (GIS). Both GIAC and GIS are wholly owned subsidiaries of The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004.

GIS is a member: FINRA, SIPC

www.GuardianLife.com.