Retirement isn’t the end. It’s the beginning.

The day you stop working is a brand new stage in life. Ideally, a long and happy one.  But to live this new beginning to the fullest, you’ll need income.

In an optimal portfolio that’s part of a retirement plan, you’ll have the benefit of an array of savings and investment strategies. If you’ve been looking at retirement possibilities, you may have asked yourself: how does a variable annuity work? A variable annuity allows you to accumulate tax-deferred savings and then, during the payout period, provides you with the option to start receiving regular payments year after year for your lifetime, or for a specific time period.

Why choose to invest in variable annuities with Guardian?

  • Tax-deferred growth. Gains earned during the life of your variable annuity can continue to grow, tax-deferred. This means that you don’t pay taxes until the gains are withdrawn. Pay in and accumulate money now while you’re earning a salary. By the time you are receiving annuity payments, you could be in a lower tax bracket.

  • Protecting your beneficiaries. A variable annuity offers a number of options that can help you give your beneficiaries a form of financial protection, typically referred to as a death benefit, in the event that you die during the accumulation period, before you have begun to receive payments. 

Guardian Investor ProSeries Variable AnnuitiesSM

Guardian Investor ProSeries Variable AnnuitiesSM enable you to invest in the markets through a diverse array of investment options. To help you create an optimal portfolio, the ProSeries Variable Annuities offer more than 30 choices across four distinct strategies, including alternative investments.

You can also choose to add on an income rider (at no additional fee) at purchase. It allows you, after two years of ownership, to turn gains and portions of your initial investment into a guaranteed fixed income stream that is unaffected by the market and accessible at a future date.

Learn More About Guardian Annuities, Including Important Information That You Can Read Or Download Anytime


Prospectuses contain important information about variable annuities, including fees and expenses.

Prices and Performance 

See daily and monthly reports about the performance of Guardian Variable Annuities.

Guardian Variable Products Trust 

View important VPT documents such as prospectuses, reports, and the SAI.


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.

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. 

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 optional benefits and may also be subject to a contingent deferred sales charge.

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.

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 Guardian. Guardian, GIAC, and PAS are located at 10 Hudson Yards, New York, NY 10001.

PAS is a wholly owned subsidiary of Guardian and a member FINRASIPC

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

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.

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