The retirement tool that’s simpler than you think
Demystifying Annuities
In this episode, we break down the basics of annuities — what they are, how they work, and how they can be a part of your retirement planning. Our guest uses everyday analogies to help make this financial tool feel simple and relatable in an educational way.
Want some help figuring out how to reach your retirement goals?
Whether you’re about to retire or still years away, you should consider getting an annuity if you want a steady, guaranteed recurring income to live on in retirement. An annuity contract is one of the only investments available that can guarantee you'll have income for life.
Even if you’re maxing out your 401(k) or IRA, you can save even more — with the potential for tax-deferred growth — by purchasing a non-qualified annuity with no contribution limits. And, you have the option to continue to have growth potential with a level of protection against market downturns.
If you’re 5-10 years from retirement and want guaranteed income after a certain age, you can get an annuity that will continue to grow tax-deferred until you need it.
If retirement has already started — or will this year — you can use a portion of your nest egg to purchase immediate guaranteed income for life or a set period of time.
Annuities for retirement
Get a guaranteed stream of income to help pay expenses after you stop working.
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Guardian annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation whose principal place of business is 10 Hudson Yards, New York, NY 10001 (800) 221-3253. GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian). Together, these companies offer a wide variety of retirement and financial security products, including life insurance, annuities, and disability income insurance.
Product availability and features may vary by state. Annuity guarantees are back exclusively by the strength and claims-paying ability of The Guardian Insurance & Annuity, Inc. (GIAC).