The Guardian Insurance & Annuity Company
4.4
based on complex data
Annuity Educator Rating
Annuity review

Guardian MarketPerform NY

The Guardian Insurance & Annuity Company, established in 1860, is considered to be one of the most trusted insurance companies in the United States. With a focus on providing clientele with financial security, they offer a vast array of insurance and retirement services, including next-generation annuity models aligning with the evolving needs of retirees. With a robust financial foundation, their motivation is to prepare customers for their financial future. Despite its international influence, the company continues to seek growth through ongoing partnerships. For instance, in 2022, the Guardian Insurance & Annuity Company partnered with HPS Investment Partners to diversify its investment portfolio and access various private credit strategies.
Guardian MarketPerform NY-brochure Guardian MarketPerform NY-brochure

Guardian MarketPerform NY

Your Email

Compare this annuity with 827 others from 100+ companies

$

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 Rollover, IRA Transfer, IRA-Roth, and 1035 Exchange
Launch Date
05/01/2025
The Guardian MarketPerform NY 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: NY

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
14% Cap
1-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Annual
18% Cap
1-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Annual
12.5% Cap
3-Year S&P 500 PTP Cap with 10% Buffer
Point to Point
Triennial
70% Cap
3-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
Triennial
45% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer Uncapped
Point to Point
6-Year
105% Participation
6-Year S&P 500 PTP Cap with 20% Buffer
Point to Point
6-Year
115% Cap
6-Year S&P 500 PTP Cap with 30% Buffer
Point to Point
6-Year
60% Cap
1-Year MSCI EAFE PTP Cap with 10% Buffer
Point to Point
Annual
25% Cap
1-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
Annual
20% Cap
1-Year Nasdaq-100 PTP Cap with 20% Buffer
Point to Point
Annual
13.5% 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
40% Cap
6-Year Nasdaq-100 PTP Cap with 10% Buffer
Point to Point
6-Year
132% Cap
6-Year Nasdaq-100 PTP Cap with 20% Buffer
Point to Point
6-Year
100% 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%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
See if this annuity ranks in your top 3 for Virginia
$
!

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

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

Similar Products

Denali 14 with Evolve (CO Only)
Denali 14 with Evolve (CO Only)
B 9.75%
Fixed Rate
4.75%
Term
14yrs
PrimeStart Bonus 10
PrimeStart Bonus 10
A- 9.15%
Fixed Rate
3.50%
Term
10yrs
Nationwide Peak 10 (Most States)
Nationwide Peak 10 (Most States)
A+ 6.50%
Fixed Rate
4.05%
Term
10yrs