Registered Index Linked Annuity (RILA)
RILA renewal rates for clients with a term end date in the current renewal period can be viewed here:
You can also view your renewal rates by logging into your account online.
Fixed Indexed Annuity (FIA)
Single Premium Deferred Annuity (SPDA)
Single Premium Immediate Annuity (SPIA)
Deferred Income Annuity (DIA)
Important considerations about annuities
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.
This material is for information use only. It should not be relied on as the basis to purchase a variable, fixed, or immediate annuity or to implement a retirement strategy.
The information provided herein is not written or intended as investment, 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 annuities.
There are no additional tax benefits if you purchase an annuity to fund an IRA or qualified retirement plan. Therefore, 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.
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.
Variable annuities (VA) and registered index-linked annuities (RILA) are long-term investment vehicles designed to help investors save for retirement and involve certain contract limitations, fees, expenses, and 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. As with many investments, there are fees, expenses, and risks associated with these contracts. All guarantees, including the death benefit payments, are dependent upon the claims-paying ability of the issuing company and do not apply to the investment performance of the underlying funds in the VA. Assets in the underlying funds are subject to market risks and may fluctuate in value.
RILA rate flyers must be preceded or accompanied by a current prospectus for Guardian MarketPerform®. You can not invest directly in an index with a RILA. This product is sold by prospectus only. Please read the prospectus carefully before investing or sending money. The prospectus contains important information regarding this product, including fees and expenses. A prospectus may be obtained by calling 888-Guardian (888-482-7342). To view or download a Guardian MarketPerform® prospectus, click here.
Withdrawals of taxable amounts from a variable or fixed deferred annuity will be subject to ordinary income tax and possible mandatory federal income tax withholding. If withdrawals are taken prior to age 59½, a 10% IRS penalty may also apply. Withdrawals may also be subject to a contingent deferred sales charge.
Variable annuities and their underlying variable investment options are sold by prospectus only. Investors should consider the investment objectives, risks, charges, and expenses carefully before investing. This and other information are contained in the prospectus or summary prospectus, if available, which may be obtained from your investment professional. Please read it before you invest or send money.
Fixed and variable annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC). All guarantees are backed exclusively by the strength and claims-paying ability of GIAC. Variable annuities are issued by GIAC, a Delaware corporation, and distributed by Park Avenue Securities LLC (PAS). Both GIAC and PAS are wholly owned subsidiaries of The Guardian Life Insurance Company of America, 10 Hudson Yards, New York, NY 10001.
Guardian MarketPerform® products are issued on contract forms 23-RILA, ICC24-RILA, 23-RILA BUFFER, ICC24-RILA BUFFER, 23-RILA FRS, ICC24-RILA FRS, 23-RILA ROPDB, ICC24-RILA ROPDB, 23-RILA WSC, ICC24-RILA WSC, 23-RILA STRATEGY SPEC, ICC24-RILA STRATEGY SPEC (or state equivalent forms).
Guardian Fixed Target Annuity products are issued on form numbers ICC14-IFA, 14-IFA.
Guardian Secure Index Annuity products are issued on contract forms ICC21-FIA, ICC21-GLWB FLEX, ICC21-PTP PAR, ICC21-PTP PAR SPREAD, ICC21-PTP RATE CAP and ICC21-FIA MVA (or state equivalent forms).
Guardian Fixed Index Annuity: New York products are issued on contract forms 21-FIA NY, 21-GLWB NY, 21-PTP RATE CAP NY.
Guardian Guaranteed Income Annuity III products are issued on form numbers: 16-SPIA, 16-PAR.
Product availability and features for all annuities may vary by state.
Not a Deposit | Not FDIC or NCUA Insured | May Lose Value | No Bank or Credit Union Guarantee.
Guardian® and Guardian MarketPerform® are registered trademarks of The Guardian Life Insurance Company of America.