The Guardian Tradition is a fixed single premium deferred annuity issued by The Guardian Insurance & Annuity Company, Inc. (GIAC). As a long-term, retirement-oriented savings tool, The Guardian Tradition offers:

• A choice of initial interest rate periods
• Tax deferral IRAs and other qualified plans receive tax deferral under the Internal Revenue Code. Although there are no additional tax benefits by funding such plans with an annuity, an annuity can provide additional insurance benefits such as death benefit protection and the possibility for income for life.
• An opportunity to have a guaranteed income for life

A CHOICE OF GUARANTEED INITIAL INTEREST PERIODS
One Year with 1% additional interest. A one-year initial rate with an additional 1% interest is guaranteed until the first contract anniversary. Thereafter, on each contract anniversary date before your retirement date, a competitive interest rate will be declared by GIAC for the next full year. The rate for each renewal period after the guaranteed initial interest period will be based upon renewal rates declared by GIAC at the time and will not include any such additional interest.

Besides the one-year interest period, The Guardian Tradition offers several choices of guaranteed initial interest periods. These options will give you the opportunity to lock into a competitive interest rate for two, five or seven years. The initial interest rates for the two-, five- and seven-year initial interest periods do not include any additional interest.

Tax-Deferred Growth
You pay no current income taxes on interest paid under the contract as long as your money remains in The Guardian Tradition. IRAs and other qualified plans receive tax deferral under the Internal Revenue Code. Although there are no additional tax benefits by funding such plans with an annuity, an annuity can provide additional insurance benefits such as death benefit protection and the possibility for income for life.

Principal Guaranteed
Your principal is guaranteed by The Guardian Insurance & Annuity Company, Inc. - a sound financial institution with a legacy of financial strength.

Low Minimum
With a one-time minimum premium payment of $5,000, The Guardian Tradition can help you supplement your retirement savings.

No Initial Sales Charge
100% of your money goes to work for you immediately. Annuity taxes are deducted if required by state law. Contingent deferred sales charges (CDSC) may apply to surrenders or partial withdrawals.

No Administrative Fees
Unlike other annuity contracts, The Guardian Tradition has no contract fees or charges, which helps preserve your investment earnings. In some states, an annuity tax may be deducted from the premium payment or at annuitization.

Withdrawal Privileges
You can access 10% of your accumulated value once each year without a contingent deferred sales charge. After the first contract year, if you did not make any partial withdrawals in the previous contract year, you may access up to 20% of your accumulated value in a single withdrawal or through scheduled partial withdrawals without being subject to a contingent deferred sales charge (CDSC). Please note that certain restrictions may apply to partial withdrawals.

For all other surrenders or partial withdrawals, a contingent deferred sales charge will be applied as follows:

If you opt to receive a partial withdrawal or surrender your contract, the distribution may be subject to tax consequences. Withdrawals prior to age 59½ are generally subject to a 10% federal tax penalty. Please note that neither GIAC nor any of its agents is authorized to give legal or tax advice. Tax laws and regulations are complex and subject to change. Please consult your tax advisor.

Minimum Bailout Rate
On any contract anniversary, if the current interest rate is less than the minimum bailout rate of 3.05%, you can withdraw all or part of the accumulation value with no contingent deferred sales charge imposed.

Estate Planning Tool
If you or the annuitant should die before payouts begin, your beneficiaries are guaranteed to receive 100% of the accumulated contract value as of the date of death, less any applicable annuity taxes.

PAYMENT OPTIONS

The Guardian Tradition offers a variety of options for the annuitization period:

• Life 
• Joint and Survivor
• Life Annuity with a 10-Year Guaranteed Period 
• Payments to Age 100
  
• 10-Year Guaranteed Period
  
• Payment for a Period Certain
  

WHAT'S THE PLUS IN THE GUARDIAN TRADITION PLUS?

The Guardian Tradition PLUS is a comprehensive financial product that does much more than simply meet your need for a competitive guaranteed interest rate, safety of principal and tax deferral. With The Guardian Tradition PLUS you get a package of other features that provide an extra value.

Click here to learn more about The Guardian Tradition PLUS.

Click here to learn more about The Guardian Tradition.

Read more about The Guardian Tradition

For More Information

For more information about the distinctive advantages of how investing with Guardian might help you reach your financial objectives, talk to your investment professional. He or she can help you decide which of our products may be appropriate for you.

If you are currently not working with an Investment Professional and wish to find one click here, Office Locator.

Why Work With an Investment Professional? Click here.

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Product availability and features may vary by state.

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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 .