Index strategy
Each strategy defines an index, term, cap or participation rate, and loss-limiting feature.
Guardian Life & Wealth
Registered index-linked annuities
Trade some downside exposure for index-linked growth potential
RILAs are securities products with contract-defined index strategies and buffers or floors. They can lose value.
Growth + defined riskTrade some downside exposure for index-linked growth potential
Core decisions
Buffer or floor
The contract may absorb a portion of losses or limit losses to a stated amount; amounts beyond those features can reduce contract value.
Term and reset
Index strategy terms may lock in elections for defined periods before new rates or features apply.
Personal guidance
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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.