Guardian MarketPerform NY
Guardian MarketPerform NY
About Product
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4%
Fixed
|
| 1-Year MSCI EAFE PTP Cap with 20% Buffer |
Point to Point
Annual
|
12%
Cap
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
15.5%
Cap
|
| 1-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
Annual
|
11%
Cap
|
| 3-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Triennial
|
90%
Cap
|
| 3-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
Triennial
|
37%
Cap
|
| 6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer |
Point to Point
6-Year
|
100%
Participation
|
| 6-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
6-Year
|
90%
Cap
|
| 6-Year S&P 500 PTP Cap with 30% Buffer |
Point to Point
6-Year
|
55%
Cap
|
| 1-Year MSCI EAFE PTP Cap with 10% Buffer |
Point to Point
Annual
|
22%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 10% Buffer |
Point to Point
Annual
|
17%
Cap
|
| 1-Year Nasdaq-100 PTP Cap with 20% Buffer |
Point to Point
Annual
|
11.5%
Cap
|
| 3-Year Nasdaq-100 PTP Cap with 10% Buffer |
Point to Point
Triennial
|
65%
Cap
|
| 3-Year Nasdaq-100 PTP Cap with 20% Buffer |
Point to Point
Triennial
|
43%
Cap
|
| 6-Year Nasdaq-100 PTP Cap with 10% Buffer |
Point to Point
6-Year
|
120%
Cap
|
| 6-Year Nasdaq-100 PTP Cap with 20% Buffer |
Point to Point
6-Year
|
95%
Cap
|
| 6-Year Nasdaq-100 PTP Cap with 30% Buffer |
Point to Point
6-Year
|
60%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 7% | 6% | 5% | 4% |
Riders
No Riders for Guardian MarketPerform NY annuity.
Waivers
Death
We pay the Death Benefit amount to your beneficiary(ies) free of surrender charges.
Nursing Home
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
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
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.
- A.M. Best A++
- S&P AA+
- Moody's Aa1
- Comdex 100
