GIS- Annuities


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Annuities

Product Description	Product Offerings
Variable Annuities The Guardian Insurance & Annuity Company, Inc. (GIAC) ) offers you innovative variable annuity products that are designed with a combination of features to help long-term investors accumulate and manage their assets. Our products provide investment flexibility, asset protection and income management tools.	The Guardian Investor Asset Builder^SM variable annuity (GIAB) The Guardian Investor Income Access^® variable annuity (GIIA)
Fixed Annuities GIAC's fixed annuities offer predictable growth and flexible features that make planning for future retirement goals easier.	The Guardian Tradition The Guardian Tradition PLUS
Group Fixed Annuity GIAC's group annuity offers flexible premiums and minimum guaranteed rates.	The Guardian Retirement Beacon

Click here to read how the RS Variable Products Trust are to be reorganized
Please log on to My Account Manager, your online source for annuity contract information and administration, if any of the variable annuity products you own are not listed above.

Product availability and features may vary by state.
For further information, please check with your investment professional.

Annuities are long term investment vehicles designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges. Amounts withdrawn may be subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply.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 living benefits.

Annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC) a Delaware corporation. Variable annuities are distributed by Guardian Investor Services LLC (GIS). GIAC and GIS are located at 7 Hanover Square, NY, NY 10004. GIAC and GlS are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY. (800) 221-3253.

All variable investment options offered through GIAC's variable products are sold by prospectuses only. Prospectuses contain important information, including fees and expenses. Please 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. To obtain a prospectus, please contact your financial professional or call 800-221-3253, option 2,3.

Investment in Guardian variable annuities, or any of their investment options, 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 or any other agency. Variable investment options involve investment risk, including possible loss of principal amount invested. Investment return and principal value may fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Annuity payments are guaranteed solely by the financial strength and claims-paying ability of GIAC.

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