Registered index-linked annuities
Limit your exposure to market risk
You can limit or may even avoid losses due to poor market performance.
Tailor to your goals
Choose from a range of investment options that may support your unique goals for retirement.
Potential to grow your investment
Your investment can track indices with upside potential, subject to a possible cap you will know in advance, so you are able to take advantage of market growth.
No explicit fees apply
Unlike many types of annuities where fees reduce your contract value, there are no fees on money invested in this contract.1 This allows you to keep more of your money working toward accomplishing your retirement goals.
When your Strategy Term ends, you receive 100% of any positive Index Performance, up to a maximum limit called the Cap Rate.
If a Cap Rate is declared, you always get full participation (100%) in the index’s gains, up to that Cap.
Works like Cap Rate with Participation, with the addition of a Spread.
The Spread is a certain percentage subtracted from the index’s positive performance, or the Cap Rate, if applicable, before it’s credited to your contract. This isn’t applied to negative Index Performance.
May offer greater growth through potentially higher Cap Rates, but the Spread will reduce the credited amount you receive.
The Spread can vary depending on the term length you choose.
Sometimes your Cap Rate Crediting Strategies may be “Uncapped,” meaning there is no maximum limit to the positive Index Performance that can be credited to your contract. In these cases, all positive Index Performance (or, for the Spread option, all positive performance, net of the Spread) is credited.
Additionally, your Participation Rate might be greater than 100%, which is called an Upside+ Rate. When this happens, the Upside+ Rate percentage is applied to any positive Index Performance (after subtracting the Spread, if applicable), potentially boosting your credited amount.
At the end of your Strategy Term:
a) If the index goes up or stays the same (greater than or equal to 0%): Your account is credited with a fixed percentage (called the Step-Up Trigger Rate).
b) If the index return is higher than the Step-Up Trigger Rate: You still only receive the Step-Up Trigger Rate percentage credited as your return.
At the end of your Strategy Term:
a) If the index goes up, stays the same (greater than or equal to 0%), or goes down by an amount within or equal to your Buffer protection level: Your account is credited with a fixed percentage (called the Dual Direction Trigger Rate).
b) If the index return exceeds your Dual Direction Trigger Rate: Your return is capped at the Dual Direction Trigger Rate.
Pick a Strategy Term
1-, 3-, or 6-year time frames
Track the performance of an index for 1, 3, or 6 years.
Select a level of protection
-10%, -20%, or -30%
Choosing less protection gives you increased upside potential.
Select indices to track
Several indices to choose from
Decide on your investment selection(s) and the percentage of your investment to allocate toward them.
Select a Crediting Strategy
Pick one or allocate to multiple choices
Work with your financial advisor to see what suits your investment style.
Talk to a financial advisor about RILAs
Withdrawals may be subject to surrender charge. Expenses related to administration, sales, and certain risks in the contract are factored into the Cap Rate.
The amount of time between the Term Start Date and Term End Date of a Strategy. Strategy Terms can be for 1, 3, or 6 years.
Index Performance is calculated by using a point-to-point approach. We compare the Index Value on the Term End Date to the Index Value on the Term Start Date. The difference is the Index Performance. Note that the Index Value is published by the Index provider at the close of each business day. Index Performance is adjusted based on the application of the Buffer Protection and the applicable Crediting Strategy in order to determine the gain or loss, as applicable.
These are your allocation options. You can select different IPCSs. Each will have its own Strategy Term, index, Buffer Rate, and Crediting Strategy Rate.
A Buffer is a protection strategy that applies when there is negative Index Performance. At the end of your Strategy Term, if the index has negative performance, you are protected up to the Buffer Rate, meaning you only realize losses that are beyond the Buffer Rate. The Buffer only applies on the Term End Date. Any negative Index Performance beyond the Buffer Rate will reduce the Strategy Value by the Strategy Credit Rate. Other than for a 1-year Strategy Term, the Buffer Rate is not an annual rate.
The Crediting Strategy is applied to positive Index Performance to determine the Strategy Credit Rate on the Term End Date. Cap, Trigger, and Participation Rates will be guaranteed for one Strategy Term. Cap, Trigger, and Participation Rates for renewals may differ from those that apply to newly issued contracts.
A Fixed Rate Strategy (FRS) is also available. See the prospectus for additional information.
IPCSs are not a permanent part of the contract and may be removed due to circumstances beyond the control of GIAC. These circumstances and the special rules that govern how assets in a discontinued IPCS may be reallocated are outlined in the contract.
The renewal rates under each Strategy are based on the economic environment at the time renewal rates are declared and may be less favorable than those declared at issue. Renewal rates may be reduced as the contract approaches the end of the surrender charge period.
Guardian MarketPerform is subject to investment risk, the value will fluctuate, and loss of principal is possible. The Contract is not designed to be a short-term investment, and it is not appropriate for an investor who intends to take early or frequent withdrawals.
Strategy Interim Value: The Index Strategy Value on any day during the Strategy Term other than the Term Start Date or Term End Date. It is the value that is available for withdrawals and surrenders from an IPCS, and it is the value you may lock in if you exercise the Performance Lock feature on an IPCS (if available). It will also be used to determine the amount available for annuitization under your contract, the payment of the Standard Death Benefit, or your right to return the contract (unless the return of premium is greater).
The contract Interim Value may reflect a negative Index Performance even if the Index increases, may reflect a positive Index Performance even if the Index decreases, and may be lower than the amount available on the Term End Date.
The Strategy Value Base is equal to the amount allocated to the IPCS on the Term Start Date, reduced thereafter on a pro-rata basis for withdrawals (including any applicable surrender charges). This means that the Strategy Value Base will be reduced by the same percentage that the withdrawal reduces the sum of Index Strategy Values for the IPCS options that have not yet reached their Term End Dates and are not locked in pursuant to exercise of the Performance Lock feature. Such reduction may be more, even significantly more, than the dollar amount withdrawn.
This material must be preceded or accompanied by a current prospectus for Guardian MarketPerform. This product is sold by prospectus only. Please read the prospectus carefully before investing or sending money. The prospectus contains important information regarding this product, including fees and expenses. A prospectus may be obtained by calling 888-Guardian (888-482-7342). To download a prospectus, please visit guardianlife.com.
This material is intended for general public use. By providing this content, The Guardian Life Insurance Company of America, The Guardian Insurance & Annuity Company, Inc., and their affiliates and subsidiaries are not undertaking to provide advice or recommendations for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial advisor for guidance and information that is specific to your individual situation. You cannot invest directly in an index and Guardian MarketPerform may not be available in all states.
Guardian Annuities are issued by The Guardian Insurance & Annuity Company, Inc., a Delaware corporation. All guarantees are backed exclusively by the strength and claims-paying ability of The Guardian Insurance & Annuity Company, Inc. Individual registered annuities are distributed by Park Avenue Securities LLC. The Guardian Insurance & Annuity Company, Inc. and Park Avenue Securities LLC are located at 10 Hudson Yards, New York, NY 10001 and are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.
Guardian MarketPerform contracts are issued on contract forms 23-RILA, ICC24-RILA, 26-RILA BUFFER, ICC26-RILA BUFFER, 23-RILA FRS, ICC24-RILA FRS, 23-RILA ROPDB, ICC24-RILA ROPDB, 23-RILA WSC, ICC24-RILA WSC, 26-RILA STRATEGY SPEC, ICC26-RILA STRATEGY SPEC (or state equivalent forms). Product availability and features may vary by state.
For more information about Guardian MarketPerform or to obtain current rate information, please contact your financial advisor.
“Financial advisor”/“advisor” is used generally to describe insurance/annuity and investment sales and advisory professionals who may hold varied licensing as insurance agents, registered representatives of broker-dealers, and investment advisory representatives (IAR) of registered investment advisors, respectively. Only those representatives who use advisor in their title or otherwise disclose their status and meet the necessary licensing or registration requirements provide investment advisory services.
The Guardian Life Insurance Company of America® (Guardian), New York, NY.
Guardian® and Guardian MarketPerform® are registered trademarks of The Guardian Life Insurance Company of America. All rights reserved. Park Avenue Securities LLC is a member: FINRA, SIPC.
