Frequently Asked Questions

Select the "Overview" link to bring you back to your list of accounts. Click on the account number to view the details.

Certain annuity contract riders and features have rules and restrictions on transfers. If you encounter problems when requesting a transfer among investment options, please click the "Contact Us" link.

The Internal Revenue Service requires that IRA owners withdraw a minimum amount from their account every year beginning in the calendar year they turn 70½. These withdrawals are called Required Minimum Distributions or RMDs. RMDs do not apply to Roth IRAs or Non-Qualified contracts. Please contact your tax advisor for further details.

For certain accounts, the beneficiaries are recorded in the account owner's file and not in our computer system. We are constantly updating our system with these beneficiary designations. If you would like to have the beneficiaries added immediately, please click the "Contact Us" link.

To change the address of the beneficiaries on your contract you can submit a letter of instruction providing us with updated address information.

To change the annuitant's address on your contract, you can submit a change of address form. This can be faxed or mailed. BY FAX
1-610-807-6083
or
1-610-807-7841 BY MAIL
The Guardian Insurance & Annuity Company Inc.
Retirement Solutions
P.O. Box 26210
Lehigh Valley, PA 18002-6210 BY OVERNIGHT MAIL
Guardian Retirement Solutions
6255 Sterner Way
Bethlehem, PA 18017

Certain annuity contract riders and features have rules and restrictions on transfers. If you encounter problems when requesting a transfer among investment options, please click the "Contact Us" link.

To remove the Financial Professional listed on your annuity contract you can submit a letter of instruction. This can be faxed or mailed. BY FAX 1-610-807-6083 or 1-610-807-7841 BY MAIL The Guardian Insurance & Annuity Company Inc. Retirement Solutions P.O. Box 26210 Lehigh Valley, PA 18002-6210 BY OVERNIGHT MAIL Guardian Retirement Solutions 6255 Sterner Way Bethlehem, PA 18017

To change the Financial Professional on your annuity contract, you can submit a change of broker form. This can be faxed or mailed. BY FAX 1-610-807-6083 or 1-610-807-7841 BY MAIL The Guardian Insurance & Annuity Company Inc. Retirement Solutions P.O. Box 26210 Lehigh Valley, PA 18002-6210 BY OVERNIGHT MAIL Guardian Retirement Solutions 6255 Sterner Way Bethlehem, PA 18017

To change federal or state income tax withholding election on a systematic withdrawal you can submit a signed letter of instruction. This can be faxed or mailed. You may also call Client Services at 1-888-Guardian (482-7342), Monday-Thursday, 8:00 AM-6:00 PM ET and Friday, 8:00 AM-5:00 PM ET. BY FAX 1-610-807-6083 or 1-610-807-7841 BY MAIL The Guardian Insurance & Annuity Company Inc. Retirement Solutions P.O. Box 26210 Lehigh Valley, PA 18002-6210 BY OVERNIGHT MAIL Guardian Retirement Solutions 6255 Sterner Way Bethlehem, PA 18017

Select "Profile" to update your personal information including your home, mailing and billing addresses.

Select "Profile" to update your personal information including your phone number, e-mail address as well as your delivery preferences.

Select "Profile" to update your personal information including your password and telephone security code.

Yes. Guardian uses SSL (Secure Socket Layer) to encrypt all information passed over the Internet. SSL is a standard technology used to protect sensitive information sent to websites, and is supported by all major browsers.

Guardian account account access is available 24 hours a day, 7 days a week. If the site is unavailable, or if you need technical assistance, please contact Customer Support during our normal business hours.

eDelivery is a service offered by Guardian that provides you with fast, efficient and paperless online delivery of your Contract Statements and the most current Prospectuses and Reports. Contract Statements include Quarterly, Anniversary, Annual and Confirmation statements. Prospectuses and Reports include Contract and Fund Prospectuses and Supplements as well as Semi-Annual and Annual Fund Reports. Disability currently only offers Annual Statements for eDelivery purposes. Once you have enrolled for eDelivery, you will no longer receive these types of documents via the regular mail.

In order to view documents using eDelivery, you will need Adobe® Reader® software. If you do not currently have Adobe® Reader®, you can go to www.adobe.com and download it free of charge. You should also refer to Adobe® Reader® for the system requirements necessary to access these documents. If you are unable to download Adobe® Reader® or view PDF documents, you should not sign up for eDelivery.

You can sign up at any time by going to "Profile". Upon enrollment you will receive a confirmation email.

No, it's a free service. You may incur charges from Internet service providers and local telephone companies when accessing our documents online.

You can change your email address at any time by returning to My Profile.

You can cancel your enrollment at any time by returning to My Profile and changing your Delivery Preferences to U.S. Mail. If you would like to receive electronic documents again you must re-enroll for eDelivery.

When a new document is available, you'll receive an email from Guardian. The email will include a link that will take you to this website where the updated document will be posted.

If we are unable to deliver a notification to you electronically, we will discontinue your enrollment in eDelivery and send a letter to your address of record notifying you that we were unable to deliver your notification via email. You will then receive all future documents via the regular mail until you re-enroll for eDelivery by returning to My Profile and entering the required information.

Yes. If you would like to request a paper copy of a specific contract statement, prospectus or annual/semiannual report, please contact Customer Support at 1-888-Guardian (482-7342), Monday-Friday, 8:00 AM-6:00 PM ET. You will not automatically receive paper copies unless you cancel your enrollment in eDelivery.

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