With the majority of Americans reporting they aren't prepared for retirement, additions to Guardian's registered index-linked annuity allow for greater growth potential and further customization
NEW YORK, Dec. 9, 2025 -- The Guardian Life Insurance Company of America® (Guardian) has announced the addition of two new Crediting Strategies to Guardian MarketPerform®—Step-Up Trigger Rate and Cap with Participation and Spread strategies. The company's registered index-linked annuity (RILA) now offers clients the flexibility to choose from a total of three Crediting Strategies.
Learn more about Guardian MarketPerform here: https://www.guardianlife.com/annuities/RILA
As one of the first RILAs to offer Cap Rate and Participation with Spread as a Crediting Strategy, clients now have access to greater growth potential without paying a fee*. Through the Step-Up Trigger Rate option, clients also get even more predictability. These additions follow other enhancements the company made to Guardian MarketPerform in 2025, including making Guardian MarketPerform available in New York state and adding Nasdaq-100 three- and six-year terms in all approved states.
According to research from Guardian, 73% of Americans said they haven't saved enough for retirement and 69% regret not starting to save sooner—with past confusion, hesitancy, and concern over market conditions leaving many underprepared for retirement. As RILAs like Guardian MarketPerform provide growth potential and a level of protection during market downturns, RILAs are a unique financial tool that can help Americans better prepare for retirement. For those nearing retirement, RILAs can also be less risky than traditional equity investments.
"Confidence in retirement means knowing your money has a level of protection, no matter the economic conditions," said Erin Culek, Head of Financial Protection and Retirement Solutions at Guardian. "With Americans' desire for financial security stronger than ever, sales of Guardian MarketPerform have nearly tripled since launching in 2024. We're continuing to enhance our suite of retirement solutions so individuals can retire with confidence."
Discover how Guardian MarketPerform can help individuals build a secure retirement at GuardianLife.com/annuities/RILA. A current prospectus for Guardian MarketPerform is available here.
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