The Guardian Insurance & Annuity Company
4.8
based on complex data
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Guardian MarketPerform

The Guardian MarketPerform Annuity is a fantastic investment option for individuals looking ahead to their golden years. With assured returns, your retirement kitty is guaranteed to grow consistently without having to worry about market uncertainties.

This annuity stands out with its flexible payment options, allowing you to decide how and when you want to receive your income. Go ahead and give Guardian MarketPerform a shot, and enjoy a worry-free and financially secure retirement.

Guardian MarketPerform-brochure Guardian MarketPerform-brochure

Guardian MarketPerform

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About Product

Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
8%
8%
7%
6%
5%
4%
Fee withdrawal:
10%
Market Value Adjustment
No
Return Of Premium
No
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
Launch Date
03/27/2024
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

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.5% Fixed
1-Year MSCI EAFE PTP Cap with 20% Buffer
Point to Point
Annual
11.25% Cap
6-Year SG Smart Climate PTP Cap with Participation Rate with 30% Buffer Uncapped
Point to Point
6-Year
150% Participation
6-Year SG Smart Climate PTP Cap with Participation Rate with 20% Buffer Uncapped
Point to Point
6-Year
170% Participation
6-Year SG Smart Climate PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
6-Year
180% Participation
3-Year SG Smart Climate PTP Cap with Participation Rate with 20% Buffer Uncapped
Point to Point
Triennial
130% Participation
3-Year SG Smart Climate PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
Triennial
160% Participation
1-Year SG Smart Climate PTP Cap with 20% Buffer
Point to Point
Annual
10% Cap
1-Year SG Smart Climate PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
Annual
110% Participation
1-Year Nasdaq-100 PTP Cap with 20% Buffer
Point to Point
Annual
11.75% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Annual
17% Cap
1-Year MSCI EAFE PTP Cap with 10% Buffer
Point to Point
Annual
19% Cap
6-Year S&P 500 PTP Cap with 30% Buffer
Point to Point
6-Year
60% Cap
6-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
6-Year
125% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
6-Year
105% Participation
3-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Triennial
35% Cap
3-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Triennial
50% Cap
1-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Annual
10% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
13.5% Cap

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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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.

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. 

Company Founded: 1860
TOP Rated Company
The Guardian Insurance & Annuity Company
Company Ratings
4.9
  • A.M. Best A++
  • S&P AA+
  • Moody's Aa1
  • Comdex 99
Assets: $4,752,871,200
Delaware

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