1 The Guardian Insurance & Annuity Company, Inc. (GIAC) The Guardian Guaranteed Income Annuity II SM Designed to Help You Create a Lifetime Income Guarantee
2 What Do You VALUE Most? Please take a moment to think about your answer. People in your life may come to mind, like your spouse, children, or grandchildren. Certain possessions may also come to mind, like your house, car, or the financial portfolio you ve built over time. How about your family s happiness? How about your happiness? Or, being able to live life the way that you want, doing the things that you love? Your life can be a long road, a quite joyful one provided that you can avoid the many bumps and potholes that can get thrown at you along the way. These obstacles, when not planned for, may set you back and may also give you a different perspective about the effectiveness of your plan. The Journey is the Reward This Chinese Proverb rings true as you travel through the next stage of your life. But without a proper plan, you may be looking at a puzzle that s missing some pieces. At Guardian, we aspire to provide our clients with dependable guarantees that may help them complete their retirement puzzles so they can enjoy the rewards of their journeys.
3 Life is about CHANGE Your life has been constantly changing throughout the years, and this will continue even after you stop, or slow down, your working career. The one thing you do not want to stop, which has probably been the most consistent aspect of your life since you started working, is your paycheck. Losing this consistent and important income source during the next phase of your life may feel overwhelming. An immediate annuity may be an appropriate way for you to create something similar through the annuity s guaranteed stream of payments. By using a portion of the assets you have accumulated to purchase an immediate annuity, you are creating regular guaranteed payments to help support you throughout your lifetime or for a set amount of time. 1
4 Creating Your Stream of GUARANTEED Income The Guardian Guaranteed Income Annuity II SM is a single premium fixed immediate annuity issued by The Guardian Insurance & Annuity Company, Inc. When you purchase The Guardian Guaranteed Income Annuity II SM you are creating a stream of guaranteed income. This guaranteed income stream can last for your lifetime or your spouse s lifetime, or for a set period of time that you choose. The stream of income, called annuity payments, is guaranteed by the issuing insurance company. Therefore, it s important to purchase an annuity from a reputable and distinguished insurance company, such as The Guardian Insurance & Annuity Company, Inc. (GIAC). 2
5 About GIAC A STRONG and Stable Company GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian), a mutual life company founded in The Guardian Guaranteed Income Annuity II SM continues GIAC s tradition of offering competitive products and services to help meet your financial needs throughout your lifetime. The annuity payments you receive from The Guardian Guaranteed Income Annuity II SM are guaranteed solely by the strength and claims-paying ability of GIAC, not Guardian. GIAC has consistently received exemplary ratings from the four major independent rating services, as shown in the chart below. As of September 30, 2011 Agency Rating Meaning Ranking A.M. Best Company...A++...Superior... The highest of 16 ratings Fitch Ratings...AA+...Very Strong... 2nd highest of 24 ratings Moody s Investors Service... Aa2...Excellent rd highest of 21 ratings Standard & Poor s AA+...Very Strong... 2nd highest of 20 ratings Ratings are subject to change. 3
6 Life has Unexpected Events, Why not PLAN for Them? As mentioned before, your life can be a long road, and possibly filled with life s complexities, such as: An unknown life expectancy you most likely want to live as long as possible, but will your income sources last as long as you need them? Unpredictable sequence of investment returns are you comfortable with your financial portfolio providing continuous income for your lifetime? Rising costs of everyday goods the future purchasing power of the dollar historically declines as the prices for everyday goods increase. Unexpected expenses these are the one-time expenses that occur when least expected and, usually, at the wrong time. 4
7 The Guardian Guaranteed Income Annuity II SM OFFERS: Options for receiving guaranteed payments for life. Fixed annuity payments that are not affected by market performance. A compound interest feature that will annually increase your annuity payments, if you choose. More about this feature is explained on page 12. A one-time payment acceleration feature allowing you to receive your next scheduled payment and a discounted present-day value lump-sum of the next five annuity payments. More about this feature is explained on page 13. 5
8 Understand How Your Annuity WORKS Simply put, the annuity payments from The Guardian Guaranteed Income Annuity II SM are calculated based on: The amount of your single premium payment (adjusted for any annuity taxes depending on your state of residence); The age and gender of the annuitant (see definition at right) on the annuity commencement date (the day on which your first annuity payment is processed and sent); The annuity payment option you select, which determines the period of time during which you will receive annuity payments; The frequency of your annuity payments; and The interest rate factors used to determine your annuity payments. 6
9 ABOUT The Guardian Guaranteed Income Annuity II SM : Minimum Premium: $10,000 Maximum Premium: $1 million Maximum Annuitant Issue Ages: 85 for Life Annuity without Guaranteed Period 90 for all other Annuity Payment Options Who s Who on the Annuity Owner(s) Payee(s) Annuitant(s) Primary Beneficiary Contingent Beneficiary Person or entity purchasing the annuity, who has ownership of and receives the benefits from the annuity. The annuity may be jointly owned by natural persons only. The person or entity designated by the owner to receive the annuity payments. If no designation is made, the payee will be the owner. The owner can change the payee at any time. Person on whose life the annuity payments are based. Annuitant may be a different person from the owner. Two annuitants must be named under a Joint Life Annuity with Survivor Benefit. Person(s) designated to succeed as the owner upon the death of the last surviving owner. The primary beneficiary will receive the benefits from the annuity at that time and thereafter. Person(s) designated to succeed as the owner upon the death of the last surviving owner if all primary beneficiaries predecease such owner. The contingent beneficiary will receive the benefits from the annuity at that time and thereafter. 7
10 Select the Annuity Payment Option YOU Want You, as the owner, determine how long you want your annuity payments to last by selecting an annuity payment option. You will also be the one who receives the annuity payments as the designated payee (unless you name someone else). Everyone has different income needs, so we offer a variety of annuity payment options. Each annuity payment option has its own benefits and considerations. The Guardian Guaranteed Income Annuity II s annuity payment options are: Annuity Payment Option Life Annuity without Guaranteed Period Benefits Receive annuity payments for the life of the annuitant. Can be designated as a Joint Life Annuity with Survivor Benefit. Annuity payments continue until the death of the last surviving joint annuitant. See Joint Life Annuity with Survivor Benefit for more information. Annuity Payment Increase Benefit may be elected with this option for more information on this benefit see page 12. Considerations No guarantee as to the total number of annuity payments that will be made under this option. Annuity payments will stop upon the death of the last surviving annuitant. Life Annuity with Guaranteed Period Receive annuity payments for the life of the annuitant. Select any guaranteed period between 5 and 20 years (must be in full years). Can be designated as a Joint Life Annuity with Survivor Benefit. Annuity payments will continue until the death of the last surviving joint annuitant. See Joint Life Annuity with Survivor Benefit section for more information. If the last surviving annuitant dies during the guaranteed period, annuity payments will continue to the owner until the end of the guaranteed period or the owner can elect to receive the remaining annuity payments present-day value as a lump-sum distribution (see Present-day Value Lump-sum Distribution). 1 If a lump-sum distribution is elected, annuity payments will end. Annuity Payment Increase Benefit may be elected with this option - for more information on this benefit see page 12. No guarantee as to the total number of annuity payments that will be made after the guaranteed period ends. Annuity payments will stop upon the death of the last surviving annuitant if this death occurs after the guaranteed period ends. For non-qualified annuities, the guaranteed period cannot exceed the lesser of 20 years or if the annuitant is age 80 and older, 100 minus the younger annuitant s age on the annuity commencement date. Example: if the younger annuitant is age 85 at the time of the first payment, the guaranteed period cannot exceed 15 years (100-85). For qualified annuities, the guaranteed period cannot exceed the lesser of 20 years or the life expectancy of the annuitant, or if a Joint Life Annuity with Survivor Benefit, the joint life expectancies of the annuitants. Life expectancies are based on the life expectancy tables prescribed by the IRS. 1. A 10% federal income tax penalty may apply if an original owner of the contract is below the age of 59½ and elects to receive a lump-sum distribution after the death of the last surviving annuitant. 8
11 Present-day Value Lump-sum Distribution At any time during the first six months after the date GIAC has been notified of the last surviving annuitant s death, you can request a present-day value lump-sum distribution of the remaining annuity payments. This lump-sum distribution will equal a lower, discounted amount when compared to the total amount you would receive by continuing the remaining annuity payments until the end of the applicable guaranteed period. Annuity Payment Option Life Annuity with Refund Certain Period Certain Benefits Receive annuity payments for the life of the annuitant. If the annuitant dies before the owner has received total annuity payments equaling the net premium payment (initial premium adjusted for any applicable annuity tax), GIAC will continue the annuity payments until the owner receives the remaining amount guaranteed or the owner can elect to receive the remaining amount guaranteed as a lump-sum distribution. 1 If a lump-sum distribution is elected, annuity payments will end. Receive annuity payments for a set amount of time between 5 and 20 years (must be in full years). If the annuitant dies during the period certain, annuity payments will continue to the owner until the end of the period certain or the owner can elect to receive a presentday value lump-sum distribution of the remaining annuity payments (see Present-day Value Lump-sum Distribution). 1 If a lump-sum is elected, annuity payments will end. Considerations No guarantee as to the total number of annuity payments after the total annuity payments paid has equaled the net premium payment. Annuity payments will stop upon the death of the annuitant if this death occurs after the owner has received total annuity payments equaling the net premium payment. There is a risk that the need for annuity payments may be longer than the period certain selected. For non-qualified annuities, the period certain years cannot exceed the lesser of 20 years or if the annuitant is age 80 or older a number of whole years equal to 100 minus the annuitant s age on the annuity commencement date. For qualified annuities, the period certain years cannot exceed the annuitant s life expectancy. Life expectancy is based on the life expectancy table prescribed by the IRS. Joint Life Annuity with Survivor Benefit The Life Annuity Options with and without a Guaranteed Period may be designated as a Joint Life Annuity with Survivor Benefit. Your annuity payments are based on the lives of two annuitants and will continue until the death of the surviving annuitant. After the first death, annuity payments will be based on a survivor percentage rate from 5% to100%. For example, annuity payments were $1,000 and the survivor percentage rate is 80%. After the first death, annuity payments will be $800 ($1,000 x 80%). This survivor percentage rate will not be applied until the end of any guaranteed period. The survivor percentage rate is elected by you when purchasing the annuity and cannot be changed after the annuity has been issued. This option is most beneficial to spouses who name each other as joint annuitants and joint owners of the annuity. Upon the death of a spouse, the surviving joint owner spouse is guaranteed to receive the applicable annuity payments for his/her lifetime. 9
12 How Would You Plan the Rest of Your LIFE? The Guardian Guaranteed Income Annuity II SM offers you the flexibility to create a plan today that will help you achieve your life s goals. Flexible Payments to Meet Your Needs You can receive annuity payments on a: Monthly, Semi-annual, or Quarterly, Annual basis. The annuity payment frequency must be selected on the annuity application and cannot be changed during the life of the annuity. Your annuity commencement date the date on which your first annuity payment is processed and sent can be any day that you select or you can have GIAC process the first payment based on the day you purchased the annuity (issue date) and the annuity payment frequency you selected. 10
13 Choose the Payment Date You Want This day can be any day provided it is at least 30 days but not later than the beginning of the 13th month after your annuity s issue date. Future annuity payments will be processed and sent on the same date you selected as your annuity commencement date but in the month that falls after an amount of time has passed equal to your annuity payment frequency. For example, your annuity s issue date is April 2nd and you select a monthly payment frequency. You select June 6th of the same contract year as your annuity commencement date. GIAC will process and send your first annuity payment on this date because it is at least 30 days but not later than the beginning of the 13th month after your annuity s issue date. Your second annuity payment will be processed and sent on July 6th. Subsequent annuity payments will also be processed and sent on the same date of each month. Have GIAC Make It Simple for You If you do not select an annuity commencement date, GIAC will automatically process and send your first annuity payment on the same date as your issue date but within the month that falls after an amount of time has passed equal to your annuity payment frequency. For example, using the same issue date as above, however, you do not select an annuity commencement date but you do select an annual payment frequency; GIAC will process and send your first annuity payment on April 2nd of the next contract year. Subsequent annuity payments will also be processed and sent on the same date of each contract year. 11
14 Annuity Payment Increase Benefit If you are age 59½ or older and select a Life Annuity Option with or without a Guaranteed Period, you may elect the Annuity Payment Increase Benefit at the time you purchase the annuity. This benefit will automatically increase your annuity payments each contract year. You can choose any whole percentage from 1% to 5% as the annual compound interest increase. Beginning with the first annuity payment in the second contract year, your annuity payments are guaranteed to increase by an amount equal to the rate you selected multiplied by the prior contract year s annuity payment. GIAC guarantees this new fixed amount as your annuity payment until the next contract year. Since it s a compound interest rate increase, subsequent contract year calculations will include any increase GIAC previously applied to your annuity payments. These annual increases will continue until the annuity payments end. Under a Joint Life Annuity with Survivor Benefit The annuity payment will be multiplied by the survivor percentage rate and the compounded rate increase will be calculated from this new amount. For example, if your annuity payments were $1,000 at the time of the death of the first annuitant, and the survivor percentage rate is 80%, the next contract year s increase will be calculated based on $800 ($1,000 x 80%). If there is any guaranteed period still in effect at the time of the death of the first annuitant, the survivor percentage rate will be applied beginning with the first annuity payment paid after the guaranteed period ends. The increase for that contract year will equal your selected interest rate multiplied by this new annuity payment amount. The annual increases will continue until the annuity payments end. You Should Know The initial annuity payments under a contract with this benefit will be lower than the initial annuity payments under a contract without this benefit. It may take some time before your annuity payments will equal or exceed the annuity payments under a contract without this benefit. Please see the chart on the next page. In addition, any increase applied to your annuity payments will be reported to the IRS as fully taxable. 12
15 Assumptions: Hypothetical Annuity Payments $800 $700 $600 $500 $400 $300 Annuity Payment Increase Benefit This example is for illustrative purposes. Actual payments change based on current interest rates. $690 $657 $622 $583 $542 $501 Male, age 65 $100,000 premium Single Life Annuity with 20 year Guaranteed Period Monthly Annuity Payments Legend: = 1% = 2% = 4% = 5% $ Years = 3% = No Annual Payment Increase Payment Acceleration Rider If you purchase The Guardian Guaranteed Income Annuity II SM with after-tax dollars (non-qualified), and select the Life Annuity with Guaranteed Period option or the Life Annuity with Refund Certain option with a monthly payment frequency, your contract will automatically include the Payment Acceleration Rider. After attaining age 59½ and if you have at least six months remaining in your applicable guaranteed period, you can request to receive the next monthly annuity payment plus a lump sum equaling the present-day value (which is a lower, discounted value) of the next five annuity payments. Your scheduled annuity payments will resume six months after the accelerated payment. You can make this request for any reason; however, this rider may only be exercised once during the life of the annuity. In addition, if you exercise this rider, the amount guaranteed to be paid over the applicable guaranteed period will be reduced, and the lump-sum of accelerated payments will be reported to the IRS as fully taxable. 13
16 Leaving Your Annuity as a LEGACY An immediate annuity is designed to provide you with guaranteed annuity payments during your lifetime, and generally is not the most effective financial product to use as a means to provide a financial benefit upon your death. However, in many situations your annuity payments will pass to specific individuals named on your annuity after your death. 14
17 With The Guardian Guaranteed Income Annuity II SM : If the owner dies and the annuitant is still living, annuity payments will continue, regardless of the annuity payment option, to the following individuals in this order: Any surviving joint owner; if none then Any surviving primary beneficiary(ies); if none then Any surviving contingent beneficiary(ies); if none then The last surviving owner s estate. If the last surviving annuitant dies and the annuity has a guaranteed period, refund certain guaranteed period or period certain still in effect, annuity payments will continue until the end of any such applicable period to the following individuals in this order: Owner (if different from the last surviving annuitant); Any surviving joint owner; if none then Any surviving primary beneficiary(ies); if none then Any surviving contingent beneficiary(ies); if none then The last surviving owner s estate. In certain situations, the new payees may be entitled to elect and receive a discounted present-day value lump-sum distribution. Please see the Select the Annuity Payment Option You Want section on page 8 for more details. If the owner and annuitant are the same person, and the annuity does not have any applicable guaranteed period or refund certain guaranteed period and the owner dies, the annuity payments will end. 15
18 Give Your Life s Plan a Lifetime GUARANTEE No one knows how long he or she will be traveling down life s road, but the most prudent thing is to plan for a long trip with potential financial bumps and the occasional pothole. The Guardian Guaranteed Income Annuity II SM may be the right product for you because it can help you navigate through those financial bumps with a guaranteed stream of annuity payments that you can rely on. The history lesson that one should take from the past decade is that what goes up may come down, especially when it comes to the financial markets. It s important to have a good income plan in place if the markets go down. How many of your friends or relatives assets were negatively affected because of a downturn in the stock market? How many of them had to delay their goals because of the significant decline in their assets? It s time for you to take action with your accumulated assets and use a portion of them to create a guaranteed income stream. Speak with your financial professional today about the benefits of owning The Guardian Guaranteed Income Annuity II SM.
19 Tax Considerations for Purchasing an Immediate ANNUITY If your immediate annuity is purchased with after-tax dollars (a non-qualified annuity), each annuity payment made to you will consist of both a taxable income portion and a return of premium portion. You will need to pay ordinary income taxes on the taxable income portion. The return of premium portion is not taxable as ordinary income, but depending on your state, your single premium payment may be subject to an annuity tax which GIAC will deduct from your single premium payment when you purchase your annuity. The split between the taxable income portion and non-taxable return of premium portion of your annuity payment is determined in accordance with Internal Revenue Service (IRS) rules. When the return of premium portion has been reduced to zero, the amount of your annuity payments will remain the same but will be 100% taxable at ordinary income rates. Generally, annuity payments from an immediate annuity are not subject to the 10% federal income tax penalty on early withdrawals or distributions received before you have attained age 59½. However, you may be subject to this penalty if you as an original owner of the contract have not attained the age of 59½ and, after the death of the last surviving annuitant, elect to receive a lumpsum distribution. If you purchased a qualified annuity using money from a traditional IRA or a qualified retirement plan, generally the entire amount of the annuity payment is subject to ordinary income tax when it is paid to you. Internal Revenue Service rules prohibit annuity payments from being rolled over into your traditional IRA or other eligible qualified retirement plan. If you are using monies from your Roth IRA to purchase the annuity and wish to have your annuity payments considered tax-free qualified distributions under the Internal Revenue Code, you must have held a Roth IRA for at least five years and have attained the age of 59½ at the time of the first annuity payment. Please consult with your tax advisors for further information that is specific to your circumstances.
20 This document is not a legal contract. For terms and conditions please refer to the annuity contract. The information provided herein is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. This brochure supports the promotion and marketing of this annuity. Current tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the particular set of facts and circumstances. Entities or persons distributing this information are not authorized to give tax or legal advice. Individuals are encouraged to seek specific advice from their personal tax or legal counsel. The Guardian Guaranteed Income Annuity II SM is a service mark of and is issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation whose principal place of business is 7 Hanover Square, New York, NY (800) GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America. Form numbers: 11-SPIA, 11-PAR Product availability and features may vary by state. Contract guarantees are guaranteed solely by the claims-paying ability and strength of The Guardian Insurance & Annuity Company, Inc. For more information about The Guardian Guaranteed Income Annuity II SM, please contact your financial professional or call GIAC at (800) EB (12/11) The Guardian Insurance & Annuity Company, Inc. 7 Hanover Square New York, NY
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Roth IRAs The Roth IRA 2011 and 2012 Questions & Answers What is a Roth Individual Retirement Account (Roth IRA)? A Roth IRA is a type of tax-preferred savings and investment account authorized by Internal