The Guardian Tradition PLUS is a fixed single premium deferred annuity issued by The Guardian Insurance & Annuity Company, Inc. (GIAC). The Guardian Tradition PLUS offers the benefits of a fixed annuity with a number of additional features.

A Choice Of Guaranteed Initial Interest Periods
The Guardian Tradition PLUS offers a choice of four initial guaranteed interest rate options: one-year, two-year, five-year and seven-year initial interest periods. At the end of your initial interest period, on each subsequent contract anniversary before your income payments begin, a competitive interest rate will be declared by GIAC for the next 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 additional interest.

Giving You a Head Start: 1% Additional Interest for the First Contract Year
You'll receive 1% additional interest during your first contract year under each of the initial interest rate options. After the first contract year, you will receive the guaranteed interest rate for the balance of the initial interest period with no additional interest.

Principal Guarantee
Your principal is guaranteed by GIAC - 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 PLUS can help 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 PLUS has no contract fees or charges which helps preserve your 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 (CDSC). 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 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.

Terminal Illness Waiver of Contingent Deferred Sales Charge (CDSC)
The Guardian Tradition PLUS offers a terminal illness waiver of CDSC. Should you be diagnosed by a licensed medical doctor to have a medical condition likely to result in death within six months, you can withdraw all or a portion of the contract's accumulation value without incurring a CDSC. GIAC requires medical documentation and other information in a format satisfactory to GIAC.

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 CDSC imposed.

Death Benefit 
If you, as the owner or annuitant, should die before payouts begin, your beneficiaries are guaranteed to receive 100% of the accumulation value as of the date of your death plus the earnings benefit, less any applicable annuity taxes, paid CDSCs and withdrawals.

Choice of Payout Options
The Guardian Tradition PLUS offers a variety of options for the payout period:

• Life
• Life Annuity with 10-Year Guaranteed Period
• Joint and Survivor
• 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.

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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.

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Product availability and features may vary by state.

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The Guardian Tradition PLUS is issued by The Guardian Insurance & Annuity Company (GIAC), a Delaware corporation whose principal place of business is 7 Hanover Square, New York, NY 10004. (800) 221-3253. GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America.

Product availability and features may vary by state. For more information about The Guardian Tradition PLUS or to obtain current guaranteed initial interest rates, please contact your financial representative or call GIAC at 1-800-221-3253.

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. The IRS has not reviewed the contract for qualification as an IRA and Roth IRA, and has not addressed in a ruling of general applicability whether certain death benefit provisions like the Earnings Benefit comply with IRA qualification requirements. The IRS may take the position that such benefits adversely affect the tax quality of the contract. Disqualification of the contract could result in the immediate taxation of amounts held in the contract and the imposition of penalty taxes. You should consult your tax advisors prior to purchasing The Guardian Tradition PLUS.