since these are already afforded tax-deferred status. Withdrawals affect the variable annuity’s death benefit, cash surrender value and any living benefit and may also be subject to a contingent deferred sales charge. You have accessed a private computer system. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof. PAS is a wholly owned subsidiary of Guardian. Protecting your beneficiaries. In an optimal portfolio that’s part of a retirement plan, you’ll have the benefit of an array of savings and investment strategies. Consider an annuity if you want to receive guaranteed income during your retirement. Entities or persons distributing this information are not authorized to give tax or legal advice. All interest that remains in the annuity also earns interest. © 2020, The Guardian Life Insurance Company of America, New York, NY. PAS is a wholly owned subsidiary of Guardian. Insurance products are offered through a licensed/registered bank or broker/dealer (financial institution), but underwritten by insurance companies. This information supports the promotion and marketing of this annuity. Ideally, a long and happy one. If taken prior to age 59½, a 10% IRS penalty may also apply. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than the original cost. (800) 221-3253. Individual variable annuities are distributed by Park Avenue Securities LLC (PAS). Park Avenue Securities Annuity Disclosures: https://www.parkavenuesecurities.com/legal/annuities-disclosure, Guarantee an income during your retirement. (800) 221-3253. Using a fixed annuity to help build reliable assets for your retirement may give you the confidence you’ll need in this upcoming stage of life, as well as access to income when you need it. To download a contract or fund prospectus, please click here. https://www.parkavenuesecurities.com/legal/annuities-disclosure, Confidentiality for domestic violence victims. This means that you don’t pay taxes until the gains are withdrawn. Dependability. Thus, an annuity should only be purchased in an IRA or qualified plan if you value some of the other features of the annuity and are willing to incur any additional costs associated with the annuity to receive such benefits. Current tax law is subject to interpretation and legislative change. See daily and monthly reports about the performance of Guardian Variable Annuities. Not a Deposit | Not FDIC or NCUA Insured | No Bank or Credit Union Guarantee. You may withdraw the money in your annuity at any time as a single withdrawal, or through scheduled payments. © 2020, The Guardian Life Insurance Company of America, New York, NY. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the particular set of facts and circumstances. GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian). It allows you, after two years of ownership, to turn gains and portions of your initial investment into a guaranteed fixed income stream that is unaffected by the market and accessible at a future date. This material is intended for general public use. The Guardian Guaranteed Income Annuity SM and Guardian SecureFuture Income Annuity SM are service marks of and are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation whose principal place of business is 10 Hudson Yards, New York, NY 10001 (800) 221-3253. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), a registered broker-dealer and investment adviser. For example, the Guardian Fixed Target AnnuitySM offers a guaranteed rate of return for three-to-ten year periods (may not be available at all times). This growth can continue for as long as you hold your annuity (subject to age limits). This may provide a tax advantage, especially if you begin to make withdrawals when you’re in a lower tax bracket. Individuals are encouraged to seek specific advice from their personal tax or legal counsel. Guaranteed income. For more information about GIAC’s Guardian Fixed Target AnnuitySM or to obtain current initial guarantee period interest rates, please contact your financial representative or call GIAC at (800) 221-3253. Confidentiality for domestic violence victims. All rights reserved. Annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation. Thus, an annuity should only be purchased in an IRA or qualified plan if you value some of the other features of the annuity and are willing to incur any additional costs associated with the annuity to receive such benefits. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the particular set of facts and circumstances. But in prepping for retirement, reliability may be more appealing to you. Variable annuities and their underlying variable investment options are sold by prospectus only. A charge of up to 7% may apply to withdrawals. GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian). Tax-deferred growth. Gains earned during the life of your variable annuity can continue to grow, tax-deferred. Withdrawals of taxable amounts will be subject to ordinary income tax and possible mandatory federal income tax withholding. User ID : Password: Forgot your password? Guardian, GIAC, and PAS are located at 10 Hudson Yards, New York, NY 10001. Individuals are encouraged to seek specific advice from their personal tax or legal counsel. By the time you are receiving annuity payments, you could be in a lower tax bracket. Entities or persons distributing this information are not authorized to give tax or legal advice. An immediate annuity can begin income-for-life payments within a year of the purchase, or payments can be postponed to the future with a flexible premium deferred income annuity. Current tax law is subject to interpretation and legislative change. Variable Annuities are long-term investment vehicles that involve certain risks, including possible loss of the principal amount invested. You can also choose to add on an income rider (at no additional fee) at purchase. Product availability and features may vary by state. Individual variable annuities are distributed by Park Avenue Securities LLC (PAS). Confidentiality for domestic violence victims. A fixed annuity is a contract with an insurance company that provides a guaranteed rate of return each year on your premium (the amount of money you contribute to the annuity). Principal, stated interest rates and other annuity guarantees are backed exclusively by the strength and claims-paying ability of The Guardian Insurance & Annuity Company, Inc. (GIAC). The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than the original cost. Annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation. The interest you earn during the life of your annuity grows tax-deferred, which means you don’t pay taxes on the interest until you withdraw it. After the first year, you can convert the amount in the annuity into a guaranteed stream of fixed income for a specified period of time, or even for the rest of your life, if you choose. Opt to renew. To help you create an optimal portfolio, the ProSeries Variable Annuities offer more than 30 choices across four distinct strategies, including alternative investments. It’s a good option for anyone interested in having guaranteed monthly income. Spend your time focused on the things that really matter—your loved ones, living with a purpose, a happy retirement—knowing you're protected with guaranteed income.

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