Home > Product Portfolio > Investment & Retirement > Annuities

Deferred Income Annuities


To get the whole story about the Guardian SecureFuture Income Annuity, view these links below:

>>  About our annuity
>>  Client Brochure
>>  Client Fact Card

Deferred Income Annuities

How long is it before you plan to retire or slow down your working career? A lot can happen during this waiting period to your savings, such as negative or flat market returns, if you’re investing. Plus, there’s the risk of impulse spending or justifying particular reasons for spending your savings.

Consider a product that allows you to use today’s savings to help remove these risks from your retirement plan and guarantee a future stream of lifetime income starting at a time when you will need it the most – retirement.

A deferred income annuity is designed to do just that, to provide you with a future stream of lifetime income through annuity payments starting at a date you set within the rules of the annuity. The stream of income can last for your lifetime and your spouse’s lifetime, if desired. The future annuity payments are backed by the claims-paying ability of a highly rated insurance company – The Guardian Insurance & Annuity Company, Inc.

Why choose the Guardian SecureFuture Income AnnuitySM?


Secure Your Confidence about Retiring On day one, you will know the amount of future lifetime income you will be receiving at a time when you will need it the most – retirement.
Increase Your Future Income You can purchase additional lifetime income at any time up until 13 months before your annuity commencement date – the day your income payments are set to start. Each additional premium will have its own calculated lifetime annuity payment stream, but all payment streams are combined per contract.
Remove Certain Risks from Your Retirement Plan The future annuity payments are not affected by current or future financial market performance and will last for your lifetime and your spouse’s lifetime, removing the risk of outliving this income source. Plus, once a specified timeframe to cancel the annuity has elapsed, the temptation to access the premiums used to buy the annuity for other purposes is removed because those premiums are now guaranteeing your future stream of income for life.
Additional Features to Meet Your Current and/or Future Needs There are product features that you can select when you first purchase the annuity in anticipation of your needs changing in the future. Plus, there are product features that allow you to adjust the annuity to meet your current needs, which are automatically included with your annuity when you select certain annuity payment options.

To find out if the Guardian SecureFuture Income AnnuitySM is right for you, speak with a Guardian Financial Representative or contact your personal financial representative today. It’s time to retire different and you can by securing today a future stream of lifetime payments.

Strength behind the guarantees

Annuity guarantees are backed exclusively by the strength and claims-paying ability of The Guardian Insurance & Annuity Company, Inc. (GIAC). GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America.

Guardian SecureFuture Income AnnuitySM is a service mark of and is issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation whose principal place of business is 7 Hanover Square, New York, NY 10004. (800) 221-3253.

GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America.

Product availability and features may vary by state. Contract guarantees are guaranteed solely by the claims-paying ability and strength of The Guardian Insurance & Annuity Company, Inc.

For more information about Guardian SecureFuture Income AnnuitySM please contact your financial professional or call GIAC at (800) 221-3253.