N-4

May 01, 2026

Prospectus:

EX-99.4R HISTORIC

Entity Registrant Name

THE GUARDIAN INSURANCE & ANNUITY COMPANY, INC.

Entity Central Index Key

0000044393

Entity Investment Company Type

N-4

Document Period End Date

Dec. 31, 2025

false

Non-variable Annuities [Line Items]

Non-variable Annuities [Text Block]

Historical Current Limits on Index Gains

Renewal rates for contracts issued in 2024 with term start dates from April 16, 2025 through April 30, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		14.50%		-		17.50%		-		21.00%		-		Uncapped		108%
1-year		-20% Buffer		10.25%		-		11.50%		-		13.50%		-		12.50%		-
3-year		-10% Buffer		Uncapped		101%		-				-				Uncapped		152%
3-year		-20% Buffer		42.00%		-		-				-				Uncapped		124%
6-year		-10% Buffer		Uncapped		115%		-				-				Uncapped		173%
		-20% Buffer		90.50%		-		-				-				Uncapped		149%
		-30% Buffer		69.00%		-		-				-				Uncapped		131%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.05%

Renewal rates for contracts issued in 2024 with term start dates from May 01, 2025 through May 15, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		14.75%		-		18.00%		-		20.25%		-		Uncapped		110%
1-year		-20% Buffer		10.25%		-		11.50%		-		13.25%		-		13.25%		-
3-year		-10% Buffer		Uncapped		106%		-				-				Uncapped		157%
3-year		-20% Buffer		48.25%		-		-				-				Uncapped		127%
6-year		-10% Buffer		Uncapped		122%		-				-				Uncapped		177%
		-20% Buffer		115.25%		-		-				-				Uncapped		167%
		-30% Buffer		74.25%		-		-				-				Uncapped		148%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.10%

Renewal rates for contracts issued in 2024 with term start dates from May 16, 2025 through May 31, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		18.50%		-		23.00%		-		26.00%		-		Uncapped		105%
1-year		-20% Buffer		12.50%		-		14.50%		-		14.25%		-		14.50%		-
3-year		-10% Buffer		Uncapped		108%		-				-				Uncapped		150%
3-year		-20% Buffer		57.00%		-		-				-				Uncapped		122%
6-year		-10% Buffer		Uncapped		124%		-				-				Uncapped		174%
		-20% Buffer		157.50%		-		-				-				Uncapped		164%
		-30% Buffer		82.25%		-		-				-				Uncapped		144%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.10%

Renewal rates for contracts issued in 2024 with term start dates from June 01, 2025 through June 15, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		20.25%		-		24.75%		-		20.00%		-		Uncapped		107%
1-year		-20% Buffer		13.00%		-		15.25%		-		12.00%		-		14.25%		-
3-year		-10% Buffer		Uncapped		109%		-				-				Uncapped		149%
3-year		-20% Buffer		63.50%		-		-				-				Uncapped		122%
6-year		-10% Buffer		Uncapped		123%		-				-				Uncapped		173%
		-20% Buffer		158.50%		-		-				-				Uncapped		163%
		-30% Buffer		81.75%		-		-				-				Uncapped		144%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.10%

Renewal rates for contracts issued in 2024 with term start dates from June 16, 2025 through June 30, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		18.25%		-		21.75%		-		20.25%		-		Uncapped		111%
1-year		-20% Buffer		12.00%		-		13.75%		-		12.25%		-		14.75%		-
3-year		-10% Buffer		Uncapped		106%		-				-				Uncapped		155%
3-year		-20% Buffer		52.25%		-		-				-				Uncapped		128%
6-year		-10% Buffer		Uncapped		119%		-				-				Uncapped		179%
		-20% Buffer		102.75%		-		-				-				Uncapped		169%
		-30% Buffer		73.00%		-		-				-				Uncapped		150%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.15%

Renewal rates for contracts issued in 2024 with term start dates from July 01, 2025 through July 15, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		15.50%		-		16.75%		-		17.75%		-		Uncapped		114%
1-year		-20% Buffer		11.00%		-		11.25%		-		11.25%		-		14.75%		-
3-year		-10% Buffer		50.25%		-		-				-				Uncapped		158%
3-year		-20% Buffer		36.25%		-		-				-				Uncapped		130%
6-year		-10% Buffer		Uncapped		109%		-				-				Uncapped		180%
		-20% Buffer		87.50%		-		-				-				Uncapped		171%
		-30% Buffer		64.75%		-		-				-				Uncapped		152%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.10%

Renewal rates for contracts issued in 2024 with term start dates from July 16, 2025 through July 31, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		16.25%		-		17.50%		-		20.00%		-		Uncapped		115%
1-year		-20% Buffer		11.50%		-		11.50%		-		11.75%		-		15.25%		-
3-year		-10% Buffer		63.50%		-		-				-				Uncapped		158%
3-year		-20% Buffer		38.75%		-		-				-				Uncapped		130%
6-year		-10% Buffer		Uncapped		113%		-				-				Uncapped		181%
		-20% Buffer		103.50%		-		-				-				Uncapped		171%
		-30% Buffer		69.00%		-		-				-				Uncapped		152%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.15%

Renewal rates for contracts issued in 2024 with term start dates from August 1, 2025 through August 31, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		15.25%		-		15.50%		-		16.600%		-		Uncapped		117%
1-year		-20% Buffer		10.75%		-		10.25%		-		9.75%		-		17.25%		-
3-year		-10% Buffer		53.25%		-		-				-				Uncapped		164%
3-year		-20% Buffer		37.25%		-		-				-				Uncapped		136%
6-year		-10% Buffer		Uncapped		112%		-				-				Uncapped		187%
		-20% Buffer		96.00%		-		-				-				Uncapped		177%
		-30% Buffer		67.00%		-		-				-				Uncapped		158%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.15%

Renewal rates for contracts issued in 2024 with term start dates from August 16, 2025 through August 31, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		11.75%		-		11.75%		-		15.00%		-		Uncapped		123%
1-year		-20% Buffer		9.25%		-		8.00%		-		10.00%		-		19.50%		-
3-year		-10% Buffer		39.00%		-		-				-				Uncapped		171%
3-year		-20% Buffer		32.25%		-		-				-				Uncapped		141%
6-year		-10% Buffer		Uncapped		103%		-				-				Uncapped		192%
		-20% Buffer		73.50%		-		-				-				Uncapped		183%
		-30% Buffer		58.75%		-		-				-				Uncapped		163%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.10%

Renewal rates for contracts issued in 2024 with term start dates from September 01, 2025 through September 15, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		13.75%		-		13.75%		-		18.75%		-		Uncapped		111%
1-year		-20% Buffer		10.25%		-		9.50%		-		10.75%		-		11.25%		-
3-year		-10% Buffer		44.25%		-		-				-				Uncapped		158%
3-year		-20% Buffer		32.50%		-		-				-				Uncapped		130%
6-year		-10% Buffer		Uncapped		102%		-				-				Uncapped		178%
		-20% Buffer		78.00%		-		-				-				Uncapped		170%
		-30% Buffer		57.25%		-		-				-				Uncapped		151%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.15%

Renewal rates for contracts issued in 2024 with term start dates from September 16, 2025 through September 30, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		13.00%		-		12.50%		-		17.00%		-		Uncapped		114%
1-year		-20% Buffer		9.75%		-		8.75%		-		10.25%		-		11.50%		-
3-year		-10% Buffer		43.50%		-		-				-				Uncapped		163%
3-year		-20% Buffer		32.25%		-		-				-				Uncapped		134%
6-year		-10% Buffer		Uncapped		102%		-				-				Uncapped		183%
		-20% Buffer		82.25%		-		-				-				Uncapped		175%
		-30% Buffer		60.75%		-		-				-				Uncapped		156%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.15%

Renewal rates for contracts issued in 2024 with term start dates from October 01, 2025 through October 15, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		13.25%		-		13.25%		-		14.25%		-		Uncapped		112%
1-year		-20% Buffer		10.00%		-		9.25%		-		10.00%		-		11.25%		-
3-year		-10% Buffer		46.00%		-		-				-				Uncapped		162%
3-year		-20% Buffer		33.00%		-		-				-				Uncapped		133%
6-year		-10% Buffer		Uncapped		105%		-				-				Uncapped		183%
		-20% Buffer		96.25%		-		-				-				Uncapped		174%
		-30% Buffer		65.75%		-		-				-				Uncapped		155%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.20%

Renewal rates for contracts issued in 2024 with term start dates from October 16, 2025 through October 31, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		14.25%		-		14.00%		-		15.00%		-		Uncapped		110%
1-year		-20% Buffer		10.50%		-		9.50%		-		10.25%		-		11.50%		-
3-year		-10% Buffer		45.50%		-		-				-				Uncapped		162%
3-year		-20% Buffer		33.25%		-		-				-				Uncapped		133%
6-year		-10% Buffer		Uncapped		101%		-				-				Uncapped		184%
		-20% Buffer		75.50%		-		-				-				Uncapped		175%
		-30% Buffer		56.75%		-		-				-				Uncapped		156%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.20%

Renewal rates for contracts issued in 2024 with term start dates from November 01, 2025 through November 15, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		16.25%		-		15.50%		-		17.00%		-		Uncapped		107%
1-year		-20% Buffer		11.50%		-		10.75%		-		10.25%		-		12.00%		-
3-year		-10% Buffer		66.75%		-		-				-				Uncapped		155%
3-year		-20% Buffer		37.25%		-		-				-				Uncapped		128%
6-year		-10% Buffer		Uncapped		108%		-				-				Uncapped		177%
		-20% Buffer		111.00%		-		-				-				Uncapped		168%
		-30% Buffer		68.25%		-		-				-				Uncapped		149%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.20%

Renewal rates for contracts issued in 2024 with term start dates from November 16, 2025 through November 30, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		15.00%		-		14.50%		-		15.25%		-		Uncapped		111%
1-year		-20% Buffer		10.75%		-		10.00%		-		10.00%		-		11.75%		-
3-year		-10% Buffer		Uncapped		101%		-				-				Uncapped		159%
3-year		-20% Buffer		38.50%		-		-				-				Uncapped		131%
6-year		-10% Buffer		Uncapped		110%		-				-				Uncapped		181%
		-20% Buffer		Uncapped		102%		-				-				Uncapped		171%
		-30% Buffer		68.25%		-		-				-				Uncapped		153%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.15%

Renewal rates for contracts issued in 2024 with term start dates from December 01, 2025 through December 15, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		16.50%		-		16.50%		-		17.25%		-		Uncapped		110%
1-year		-20% Buffer		11.50%		-		11.25%		-		11.00%		-		12.50%		-
3-year		-10% Buffer		129.50%		-		-				-				Uncapped		157%
3-year		-20% Buffer		39.00%		-		-				-				Uncapped		130%
6-year		-10% Buffer		Uncapped		105%		-				-				Uncapped		178%
		-20% Buffer		106.25%		-		-				-				Uncapped		168%
		-30% Buffer		63.00%		-		-				-				Uncapped		150%

Performance Lock may not be available on all strategies.

1-year

Fixed Rate Strategy: 3.20%

Renewal rates for contracts issued in 2024 with term start dates from December 16, 2025 through December 31, 2025


		Protection Strategy		S&P 500 ®				Nasdaq-100 ®				MSCI EAFE				SG Smart Climate
Strategy Terms		Protection Strategy		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate		Cap Rate		Upside+ Rate
1-year		-10% Buffer		19.25%		-		22.25%		-		23.50%		-		Uncapped		108%
1-year		-20% Buffer		13.00%		-		15.00%		-		13.00%		-		12.75%		-
3-year		-10% Buffer		Uncapped		107%		-				-				Uncapped		155%
3-year		-20% Buffer		54.25%		-		-				-				Uncapped		128%
6-year		-10% Buffer		Uncapped		106%		-				-				Uncapped		168%
		-20% Buffer		123.00%		-		-				-				Uncapped		159%
		-30% Buffer		66.50%		-		-				-				Uncapped		140%