Annuities are long-term investment vehicles designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges. Withdrawals of taxable amounts will be subject to ordinary income tax and possible mandatory federal income tax withholding and, if taken prior to age 59½, a 10% IRS penalty may also apply. Withdrawals have the effect of reducing the death benefit, cash surrender value and any optional benefits including Lifetime Focus. If withdrawals exceed the Lifetime Withdrawal Amount in any contract year, benefits may be reduced. Also, the value of the benefits of these riders to you may be limited if your contract is held in connection with a section 403(b) or other retirement program that does not allow withdrawals from the contract prior to age 59½, termination of employment or other specified circumstances, and the rider is purchased at a time when such withdrawals are not allowed. You should consult with a tax adviser before purchasing either of these riders with a qualified contract.

Lifetime Focus may not be available in all states.

The contents of this section are presented in conjunction with a prospectus for a GIAC variable annuity. Click below on a specific GIAC variable annuity to download a contract prospectus:
The Guardian CXC^SM variable annuity (CXC)
The Guardian Investor Asset Builder^SM variable annuity (GIAB)
The Guardian Investor Income Access^® variable annuity (GIIA)

Variable annuities and their underlying variable investment options are sold by prospectuses only. Prospectuses contain important information, including fees and expenses. You should read the prospectuses carefully before investing or sending money. Please consider the investment objectives, risks, fees and charges of the investment company carefully before investing. The prospectus contains this and other important information. Additional prospectuses can be obtained by calling 800-221-3253.

Contract guarantees are guaranteed solely by the strength and claims-paying ability of The Guardian Insurance & Annuity Company, Inc. (GIAC). Variable annuities are issued by GIAC, a Delaware corporation, and distributed by Guardian Investor Services LLC (GIS). GIAC and GIS are located at 7 Hanover Square, New York, NY 10004 (800) 221-3253.

Neither GIAC nor its representatives give tax or legal advice. Investors should consult their tax advisor or an attorney regarding their specific situation. Past performance is no guarantee of future results.

GIS is a member: FINRA, SIPC.

Investment in GIAC variable annuities are not deposits or obligations of, or guaranteed or endorsed by, any bank or depository institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board, the National Credit Union Association (NCUA) or any other agency. They involve investment risk, including possible loss of the principal amount invested. Investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than the original cost.