Variable annuities

Use market-based investment options inside an annuity contract

Variable annuities combine an insurance contract with investment options whose values can rise or fall with the market.

Market-based annuityUse market-based investment options inside an annuity contract

What to review

Investment options

Subaccounts may invest in stock, bond, balanced, or other strategies with their own objectives and expenses.

Contract charges

Mortality and expense charges, administrative fees, fund expenses, and riders can affect returns.

Prospectus

Review the contract and underlying investment prospectuses before investing or sending money.

Personal guidance

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Important information

Educational content only. Insurance products, underwriting, premiums, contract provisions, exclusions, riders, availability, and guarantees vary by carrier, product, state, and applicant. Guarantees depend on the claims-paying ability of the issuing insurer. Educational content only. Investing involves risk, including possible loss of principal. Guardian Life & Wealth does not represent securities or advisory services as available unless the appropriately registered entity, professionals, agreements, disclosures, and product approvals are in place.