Reasons to consider a fixed index annuity to help meet your retirement income goals

  1. Protect your retirement assets. Fixed index annuities offer guaranteed retirement income for life and help to mitigate market risk.
  2. Mitigates market risk — even in market downturns. You will never lose premium due to a dip in the market. Take advantage of potential gains without potential loss to premium, making this less risky than being invested in the markets directly.
  3. Flexibility in your index selection. You have the option to modify your index selection from the insurer’s approved list on a basis determined by the insurance company (for example, the Guardian Secure Index Annuity1 allows you to re-select your index annually with one-year point-to-point).
  4. Potential gains during index upswings. You select an index available under the contract, and if the index performance is greater than zero, your contract will reflect index performance subject to certain contractual limitations. These contractual limitations may include index rate caps, participation rates and spreads.1,2
  5. The power of tax-deferred growth. Any interest credited to your contract is tax-deferred. This means you don’t pay taxes on gains until you begin taking withdrawals.
Find a financial professional near you
Go now


1 The Guardian Secure Index Annuity is available in all states except New York through an appropriately registered financial professional.

2 An index rate cap is the maximum amount of interest that can be earned over a specific period, such as an index term.

3 The participation rate is the percentage of index performance used to calculate interest credited to the annuity. The spread is the minimum threshold that index performance (after the participation rate is applied) must exceed before interest can be credited.

This material is intended for general public use. By providing this content, The Guardian Life Insurance Company of America, The Guardian Insurance & Annuity Company, Inc. and their affiliates and subsidiaries are not undertaking to provide advice or recommendations for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation.

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

The Guardian Secure Index Annuity is issued by GIAC, a Delaware corporation, and distributed through Park Avenue Securities LLC (PAS). GIAC and PAS are wholly owned subsidiaries of The Guardian Life Insurance Company of America (Guardian). Guardian, GIAC and PAS are located at 10 Hudson Yards, New York, NY 10001.

Guardian Fixed Index Annuity products are issued on contract forms ICC21-FIA, ICC21-GLWB Flex, ICC21-PTP PAR, ICC21-PTP PAR SPREAD, ICC21-PTPRATE CAP, and ICC21-MVA and any variations thereof.

Product availability and features may vary by state.

For more information about Guardian Secure Index Income Annuity, please contact your financial professional or call 1 888 GUARDIAN (1 888 482-7342).

2023-149095 20250131