The Guardian Investor deferred variable annuities are long-term financial products designed for retirement planning and implementation. Simply stated, Guardian variable annuities offer you an opportunity to accumulate assets over time and then to receive guaranteed payments for as long as you live.

A tradition of service and strength

The Guardian Investor variable annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC)—a subsidiary of The Guardian Life Insurance Company of America (Guardian). Guardian is one of America’s most respected financial institutions, with more than 145 years of experience in providing diversified financial solutions, including retirement services, insurance, and investments. We are proud of our long history of protecting people from economic risk and helping them enrich their lives.

All guarantees are backed exclusively by the strength and claims-paying ability of GIAC. Guardian does not issue variable annuities and does not guarantee the benefits they provide.

Helping You Pursue a Secure Financial Future

Retirement is not just an event. It’s a phase of life. One that’s becoming longer and longer and presenting greater challenges than ever before.

So preparing for retirement is not only about building assets for a special day. It’s also about making sure you’ll be able to enjoy the benefit of those assets for many years after that day arrives.

That is precisely why GIAC created the Guardian Investor variable annuities and designed them to help investors not only pursue asset growth but also to provide them with the opportunity to lock in a stream of guaranteed payments for their retirement years.

Because no two investors have the exact same financial needs, our annuities offer a great many beneficial options and features.

Annuities are long-term investment vehicles designed for retirement purposes. In addition to a choice of variable investment options, tax-deferred accumulation, and death benefit protection for beneficiaries prior to annuitization, they offer a choice of annuity payout options. 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.

Variable annuities and their underlying variable investment options are offered by prospectuses only. Prospectuses contain important information, including fees and expenses. Please read the prospectus carefully before investing or sending money. You should consider the investment objectives, risks, fees, and charges of the investment company carefully before investing. The prospectus contains this and other important information.

Insurance products are offered through a licensed/registered bank or broker/dealer, but underwritten by insurance companies. All guarantees mentioned in this fact sheet are guarantees of the insurance company and not guarantees of the financial institution. Contract provisions and investment options vary by state.

Issued by:
The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation with offices located at 7 Hanover Square, New York, NY 10004

Distributed by:
Guardian Investor Services LLC (GIS), 7 Hanover Square, New York, NY 10004 (800) 221-3253

GIAC and GIS are both wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.

Annuity payments, death benefits, and optional living benefits are guaranteed solely by the strength and claims-paying ability of GIAC. Guarantees do not apply to the variable investment options offered through the contract. Variable annuities are long-term investment vehicles that involve certain risks, including possible loss of the principal amount invested. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than the original cost. Please note that neither GIAC nor any of its agents are authorized to give legal or tax advice. Tax laws and regulations are complex and subject to change. For complete details, consult with your attorney or tax advisor.