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2-Year
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3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%
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Guardian MarketPerform

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Highlights

The Guardian MarketPerform is an individual single premium deferred registered index-linked annuity contract issued by Guardian Insurance & Annuity Company that is designed to help you invest your money on a tax-deferred basis for retirement or other long-term financial purposes. The Contract may not be appropriate if you have a short time horizon and intend to take early or frequent withdrawals. 
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
 Registered Index-Linked
Purpose Accumulation
Term
 6 Years
Surrender schedule
 8%8%7%6%5%4%
Free withdrawal
 10%
Market value adjustment
Return of premium
Launch date
 03/27/2024
Minimum contribution
 $25,000
Maximum contribution
 $1,500,000
Max Age Qualified
 85
Types of funds
 Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, and 1035 Exchange
Brochure
 Open brochure

Find out if the Guardian MarketPerform is the right product for you.

Premium Notes

The minimum premium payment is $25,000. We require prior approval for a premium payment of less than $25,000 or more than $1,500,000 for ages 75 and younger and $1,000,000 for ages 76 and older at the time of application (which includes the single premium payment under the Contract together with any premium payments under other contracts with the same Owner or Annuitant). Additional premium payments are not permitted under the Contract. 

Withdrawal Provisions

Free withdrawal amount
The free withdrawal amount is equal to 10% of the Contract Value on the prior contract anniversary each year and is not cumulative. In the first contract year, the free withdrawal amount is equal to 10% of the single premium. The free withdrawal amount is reduced by any prior withdrawals, including RMDs, taken during the contract year. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3% Fixed
1-Year MSCI EAFE PTP Cap with 20% Buffer
Point to Point
Annual
10% Cap
6-Year SG Smart Climate PTP Cap with Participation Rate with 30% Buffer Uncapped
Point to Point
6-Year
155% Participation
6-Year SG Smart Climate PTP Cap with Participation Rate with 20% Buffer Uncapped
Point to Point
6-Year
175% Participation
6-Year SG Smart Climate PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
6-Year
185% Participation
3-Year SG Smart Climate PTP Cap with Participation Rate with 20% Buffer Uncapped
Point to Point
Triennial
135% Participation
3-Year SG Smart Climate PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
Triennial
165% Participation
1-Year SG Smart Climate PTP Cap with 20% Buffer
Point to Point
Annual
15% Cap
1-Year SG Smart Climate PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
Annual
115% Participation
1-Year Nasdaq-100 PTP Cap with 20% Buffer
Point to Point
Annual
9.25% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Annual
13.5% Cap
1-Year MSCI EAFE PTP Cap with 10% Buffer
Point to Point
Annual
15% Cap
6-Year S&P 500 PTP Cap with 30% Buffer
Point to Point
6-Year
65% Cap
6-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
6-Year
100% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
6-Year
110% Participation
3-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Triennial
32% Cap
3-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Triennial
40% Cap
1-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
12.5% Cap

Surrender schedule

Year 1 2 3 4 5 6
Penalty 8% 8% 7% 6% 5% 4%

Riders

No Riders for Guardian MarketPerform annuity.

Waivers

Death

We pay the Death Benefit amount to your beneficiary(ies) free of surrender charges.

Nursing Home

Unavailable in states: CA

We will waive a surrender charge that would otherwise apply to a withdrawal or surrender if any owner who was age 75 or less on the Contract Date is confined to a nursing home or hospital facility for at least 90 consecutive days pursuant to a qualified physician’s diagnosis that such confinement is medically necessary.

Terminal Illness

Unavailable in states: CA

We will waive a surrender charge that would otherwise apply to a withdrawal or surrender if any owner is diagnosed with a terminal illness by a qualified physician and is not expected to survive more than 6 months.

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