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Financial markets have their ups and downs. Fixed annuities provide a guaranteed rate of return each contract year the annuity is held. Using a fixed annuity to help build assets for your retirement may give you confidence that you have a solid target for your retirement journey.
Guardian Fixed Target AnnuitySM offers guaranteed interest periods with 3 to 10 year maturities (not all may be available at all times) where a guaranteed rate of return will be made within the annuity each contract year.
SecurityAlong with the guaranteed interest, your principal payment (the initial premium to purchase the annuity) is guaranteed not to be adjusted in any way other than from withdrawals or surrender charges, if any.
Tax-Deferred Growth*The interest you earn during the life of your annuity grows tax-deferred, which means you don’t pay taxes until you withdraw it. This may provide a tax advantage, especially if you begin to make withdrawals when in a lower tax bracket.
Compounded GrowthAll interest that remains in the annuity also earns interest. This is called compounding growth. This growth can continue for as long as you hold your annuity (subject to age limits).
Guaranteed IncomeAnytime after the first contract year, the Guardian Fixed Target AnnuitySM can provide a guaranteed stream of fixed income for a specific period of time or for life, if you choose.
Flexible Withdrawals
You may withdraw the money in your Guardian Fixed Target AnnuitySM at any time as a single withdrawal or through scheduled payments.** A surrender charge of up to 7% may apply to withdrawals.
When a guaranteed interest period matures, you may renew into any available guaranteed interest period or transfer 100% of the annuity’s value into a one-year guaranteed interest period, which allows you to earn interest and take surrender charge free withdrawals, if you want.**
*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.
** You should know that interest is withdrawn first before premium and any withdrawal of interest is subject to ordinary income tax, and may be subject to a 10% penalty tax if withdrawn before you have attained the age of 59½.

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.

To find out if the Guardian Fixed Target AnnuitySM is right for you, speak with a Guardian Financial Representative or contact your personal financial representative today.

The information provided herein is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. This information supports the promotion and marketing of this annuity. 
Current tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the particular set of facts and circumstances. Entities or persons distributing this information are not authorized to give tax or legal advice. Individuals are encouraged to seek specific advice from their personal tax or legal counsel. 

Guardian Fixed Target 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.

Principal, stated interest rates and other contract guarantees are guaranteed solely by the strength and claims-paying ability of The Guardian Insurance & Annuity Company, Inc.

For more information about GIAC’s Guardian Fixed Target AnnuitySM or to obtain current initial guarantee period interest rates, please contact your financial representative or call GIAC at (800) 221-3253.

Not a Deposit | Not FDIC or NCUA Insured | No Bank or Credit Union Guarantee
2014-06901 exp 05/16