What is the minimum guaranteed surrender value for Guardian Fixed Target Annuity ?

Guardian Fixed Target AnnuitySM is a single premium fixed annuity offering guaranteed interest periods of 3 to 10 years (availability may vary). The annuity ensures the protection of your principal investment and predictable returns, unaffected by market conditions. After the selected maturity period, policyholders can renew their annuity into a new interest period or the default one-year period, with the potential for liquidity and continued tax-deferred growth. Additional features include a spousal continuation option, a 10% annual free withdrawal, and guaranteed death benefits without surrender charges.

What is the minimum premium amount for Guardian Fixed Target Annuity ?

The minimum premium amount is $5,000.

What is the maximum issue age for Guardian Fixed Target Annuity ?

The maximum issue age is 85 years.

What is the current interest rate for Guardian Fixed Target Annuity ?

The current interest rate is 3.9%.

What is the surrender charge schedule for Guardian Fixed Target Annuity ?

At the time of initial purchase, the annuity includes a declining surrender charge schedule matching the maturity period selected. For example, a 5-year maturity period will carry charges of 7%, 7%, 7%, 6%, and 5% for each respective year. Upon renewal, the surrender charges are lower, beginning at 6% and declining annually. There are no surrender charges applied to the One-Year Guaranteed Interest Period. A 10% Free Withdrawal Amount is available each year, and surrender charges only apply to withdrawals exceeding that threshold. These charges are designed to discourage premature withdrawals and ensure commitment to the selected investment period.

What are the best rates available for Guardian Fixed Target Annuity ?

The best available rate is 5.00% for a 6 year term.

Guardian Life Insurance Company

Guardian Fixed Target Annuity

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

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.15%
4 Years	4.35%
5 Years	4.50%
6 Years	5.00%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$5,000.00 - $99,999.00	3.9%
$100,000.00 - $1,000,000.00	4.15%

Features
Maximum Issue Age	85 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

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