And the income to match

What's an Annuity?

One of the few guarantees in life

Looking forward to a long and happy retirement? Consider an income source with guarantees. What is an annuity? Simply, an annuity is a contract with an insurance company that can ensure you have a guaranteed income. To help you reach a retirement you’ll enjoy, we offer variable annuities, fixed annuities, and income annuities.



What makes you happy?


Would cash-for-life make you happy? Learn how guaranteed income in retirement can help you focus on what really matters.



Why spend your retirement worrying about income?

A great retirement is knowing you can enjoy the life you imagined. Annuities can create a fixed stream of income, starting in as little as a month. Or, receive guaranteed income in the future. If you choose, this income could last for life. 

Explore Income Annuities


Studies show that most people are happier in retirement when they have a level of steady income1. With fixed annuities, you know exactly how much you’ll earn each year. And, when you’re ready, you’ll receive a payout of set amounts, at intervals you choose. You’ve been saving for retirement. Plan on enjoying it.

More about Fixed Annuities


When you’re retired, life is very much about income. Growth potential over time can be important, although there are always risks. Variable annuities tie in certain tax advantages, retirement income, and the possibility for growth when the market rises.

Explore Variable Annuities

Resources and Information


Our interactive site is different from other resources you may have used. It’s a novel way to discover some of the realities of planning for the future. See how life’s major milestones have a way of affecting retirement.

Factors to consider before you retire.

Some things to know before making your decision.

Maybe now is the time to think about the future.

How to be better prepared.

Top 5 Things To Know About Annuities

Curious about annuities and how they can assist with your retirement planning?

Read more

It’s All About Our Customers

For the sixth consecutive year, Guardian Retirement Contact Center has been recognized by J.D. Power for providing "An Outstanding Customer Service Experience" for the live phone channel.  

J.D. Power 2016 Certified Contact Center ProgramSM recognition is based on successful completion of an audit and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. 

For more informationMore about the certification


Whether it’s still years away or it’s in the near future, there are ways to prepare yourself for a retirement that holds promise. A few key moves today can help build a better tomorrow.

Learn about retirement planning

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.

1 Towers Watson, Annuities and Retirement Happiness Report, September 2012

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. 

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. 

Annuity guarantees are backed exclusively by the strength and claims-paying ability of The Guardian Insurance & Annuity Company, Inc. (GIAC).

Contract provisions and investment options vary by state.

Annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation. Individual variable annuities are distributed by Park Avenue Securities LLC (PAS). GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian). PAS is a wholly owned subsidiary of GIAC. Guardian, GIAC, and PAS are located at 7 Hanover Square, NY, NY 10004. 

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.

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 living benefit and may also be subject to a contingent deferred sales charge.


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

Annuities Disclosure for Park Avenue Securities

This material is intended for general public use. By providing this material, Guardian is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial professional for guidance and information specific to your individual situation.