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 Amounts withdrawn may be subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply.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.

Variable annuities and 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.

Investment in GIAC variable annuities, or any of their variable 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 the 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 strength and claims-paying ability of GIAC.

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