Insurer Spotlight: Guardian Annuities and Company Basics

Published February 16, 2018
Guardian, founded in 1860, is one of the annuity providers on Blueprint Income's platform.
  • Guardian offers immediate annuities, longevity annuities, QLACs, and the Personal Pension
  • Guardian is owned entirely by its shareholders
  • As of December 31, 2017 Guardian reported having $71.5 billion assets under management

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. As of December 31, 2017, Guardian reported having assets under management of $71.5 billion and capital of $8.0 billion. The company is rated “A++” by A.M. Best, “AA+” by S&P, “Aa2” by Moody’s, and “AA+” by Fitch.


Products Offered by Guardian:

As one of the oldest insurance companies, Guardian offers a variety of annuity products:

Type Name Minimum Initial Premium Minimum Recurring
Immediate Annuity (a.k.a. Single Premium Immediate Annuity) Guaranteed Income Annuity III $10,000 Not possible
Longevity Annuity (a.k.a. Deferred Income Annuity) SecureFuture Income Annuity $5,000 $100
Qualified Longevity Annuity Contract SecureFuture Income Annuity $5,000 $100
Fixed Rate Annuity (a.k.a. Multi-Year Guaranteed Annuity) Fixed Target Annuity $5,000 Not possible

Learn More About Guardian:

  1. The Guardian Fact Sheet
  2. Guardian Newsroom
  3. Guardian Credit Ratings and Reports

How Can I Start a Personal Pension with Guardian?

A Personal Pension is a contract between you and top rated insurance companies, including Guardian. By making contributions to your Personal Pension over time, you develop a portfolio of guaranteed annuity income available in retirement. Blueprint Income offers a Personal Pension account with the lowest minimum, $100. After opening an account, you can make subsequent contributions of $100 or more, each of which will increase your pension check. The Personal Pension backed by Guardian requires a $5,000 contribution to get started and allows for subsequent contributions of as little as $100.

Here you can see what contributing to a Personal Pension will guarantee you in annuity retirement income. After just a few years in retirement, you’ll have recouped your initial investment, and the rest will be profit.

Personal Pension Builder

How Can I Purchase Guardian Income Annuities?

At Blueprint Income, we offer income annuities from more than 15 top rated insurance companies, including Guardian. Click below to get real-time personalized quotes.

Income Annuity Quotes

How Can I Purchase Guardian Fixed Annuities?

At Blueprint Income, we offer fixed annuities from more than 30 top rated insurance companies, including Guardian. Click below to get real-time personalized quotes.

Fixed Annuity Quotes

From there, you’ll get access to our annuity guides and team of specialists to help you analyze your retirement finances and walk you through the application process.

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Blueprint Income

Blueprint Income

Financial Planning Professional

We are a team of finance, insurance, and actuarial professionals working to make it easier for everyone to achieve a steady and comfortable retirement. We write about annuities (the good and the bad) and provide strategies to help Americans prepare for retirement.

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