The Guardian Life Insurance Company of America is a Fortune 500 company offering life, disability, and other benefits for individuals, at the workplace, and through government-sponsored programs. It was founded in New York, New York in 1860 and remains a mutual company (owned by its policyholders) more than 150 years later.

Guardian

Should you pass away before the end of your contract, the accumulated value of the annuity, including interest, will be passed to your beneficiary without any charges or fees.

At the end of the contract term, you'll be able to withdraw the money invested, reinvest it in another fixed annuity, or turn it into guaranteed income via annuitization. You have 31 days from maturity date to make a selection. If you do nothing, contract will be renewed for another period of the same term with the rate effective at the time. Any withdrawals made before you turn 59 1/2 (other than rollovers to an IRA) will be charged a 10% penalty by the IRS.

High

Guardian Fixed Target Annuity

SIMPLE IRA

403(b)

401(k)

Roth IRA

1035 Exchange

Check

401(a)

457(b)

Wire Transfer

Roth IRA Exchange

Traditional IRA Exchange

Guardian's immediate annuity is called "The Guardian Guaranteed Income Annuity III." It is available at premium levels of $10,000 or more with income starting 1 to 12 months from purchase. It can be purchased as single or joint life with or without the Refund at Death, Period Certain, or Inflation Adjustment options. Guardian also has a longevity annuity called “The Guardian SecureFuture Income Annuity.” Their annuities are priced to provide the same income payout rates regardless of premium level.

Maximum issue age is 85 if Period Certain or Refund at Death not chosen.

The Guardian Guaranteed Income Annuity III

Investment Account

In Florida, the minimum deferral is 1 year.

Guardian's longevity annuity is called "The Guardian SecureFuture Income Annuity." It is available at initial premium levels of $5,000 or more with the ability to add more money at $100+ increments. Income can start 2 to 40 years from purchase. It can be purchased as single or joint life with or without the Refund at Death, Period Certain, or Inflation Adjustment options and is QLAC-compliant. Guardian also has an immediate annuity called “The Guardian Guaranteed Income Annuity III.” Their annuities are priced to provide the same income payout rates regardless of premium level.

Maximum issue age is 75 if Period Certain or Refund at Death not chosen.

Fixed Annuity Products

Guardian Fixed Target Annuity

Income Annuity Products

The Guardian Guaranteed Income Annuity III

The Guardian SecureFuture Income Annuity

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