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Guardian Fixed Target Annuity 4

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4.6% Annual Rate

  • 4 Years Surrender Fee Period (Duration).
  • Penalty Free Withdrawals Available
  • Tax-Deferred, Compound Interest
  • No Stock Market Exposure
  • No Loads, Fees, or Sales Charges
  • Maximum Age at Issue (Purchase) is 85
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+ Frequently Asked Questions About This Annuity

Q: Does the interest compound? A: Yes.

Q: Is the interest taxed? A:Your annuity grows tax deferred. This maximizes your growth potential because you are not taxed on your earnings until you withdraw money from your annuity. If your money is not already in a pre-tax account such as an IRA or 401k, this is an advantage over a bank CD where each year your interest is taxed each year.

Q: Are there any fees? A: No, there are no sales charges or ongoing maintenance fees.

Q: Is it FDIC insured? A: No. FDIC insurance is only for bank deposits. Fixed annuities are guaranteed by the issuing insurance company.

Q: How do I access my money? A: During the first contract year, you may take 10% of the initial premium payment. After the first year, the 10% free withdrawal is based on the previous contract anniversary value.

Q: What are the early surrender charges? A: The early surrender charges only apply to withdrawals which are greater than the penalty-free amount. If surrender charges apply, they start at 7% and decline to 0% after the 4th year. The surrender charge schedule by year is 7%, 7%, 7%, 6%, 0%.

Q: If I withdraw more than the penalty-free amount, will a Market Value Adjustment (MVA) be applied? A: Yes. You can read more about market value adjustments here.

Q: What happens after the rate guarantee period? A: You'll have 30 days before the end of the guarantee period to let Guardian know if you'd like to renew into a new guaranteed interest period with a new set of reduced surrender charges, renew into a 1 year period with no surrender charges, or withdraw the funds with no surrender charges or MVA applied. If no action is taken, your policy will be renewed for 1 year without any surrender charges.

Q: What happens to the money in my account if I die? A:Your beneficiaries will receive the full account value.

Q: How do I apply? A:Start your annuity application by calling 866-866-1999 or click "Get a Free Quote" in the center of this page for a detailed illustration.

Q:What is the minimum premium I need to pay? A:$100,000.

Q:Are there any age restrictions? A:Yes, you can purchase this annuity up to age 85. In some states the age requirements may differ.

Q:In which states is the Fixed Target Annuity available? A: The Fixed Target Annuity is not available in all states. Call 866-866-1999 to find out if it's available in your state.