Insurance & Investments / Annuities

Variable Annuities

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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. 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 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 This means that you don’t pay taxes until the gains are withdrawn.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. Variable annuities offer 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. 

You can choose from one of our two types of variable annuities:

Guardian Investor Variable AnnuitiesSM allow you to elect an optional living benefit rider, or add-on feature, called a “guaranteed lifetime withdrawal benefit,” for an additional fee, at the time you purchase. This feature, which requires you to choose from a select number of investment strategies, provides you with a guaranteed amount of money that you can withdraw annually (when withdrawals stay within the contract guidelines). This amount can grow through the guarantees set by the annuity’s rider, but will never decrease because of market performance.

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.

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.


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 GIAC. Guardian, GIAC, and PAS are located at 7 Hanover Square, NY, NY 10004. 


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