Simulation & Edit Mode
Active Product: Guardian – Fixed Target Annuity (3-, 4-, 5-, 6-year terms)
Guardian – Fixed Target Annuity (3-, 4-, 5-, 6-year terms)
About this product
The Guardian Fixed Target AnnuitySM is a fixed deferred annuity issued by The Guardian Insurance & Annuity Company, Inc. (GIAC). It provides a secure investment option by offering a guaranteed interest rate over a selected period, tax-deferred growth, and flexible income options upon annuitization. It is designed to offer stability by avoiding market volatility and includes benefits such as a death benefit for beneficiaries and optional renewal into different interest periods. This annuity is suitable for individuals or couples looking for a reliable retirement income stream and protection of their principal investment
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 3.85% |
| 4 Years | 4.30% |
| 5 Years | 4.50% |
| 6 Years | 4.60% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $5,000.00 - $99,999.00 | 3.60% |
| $100,000.00 - $1,000,000.00 | 3.85% |
Features
| Maximum Issue Age | 85 years |
Growth Projection
How your money grows
Based on your issue age (80) and target payout age (86), the following guarantee period will be applied:
| Guarantee Period | 6 years |
| Rate | 4.60% |
| Age | 80 - 86 |
Summary
| Total years to payout | 10 |
| Total guarantee periods applied | 2 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage