EX-99.4R HISTORICTHE GUARDIAN INSURANCE & ANNUITY COMPANY, INC.0000044393N-42025-12-31false 0000044393 2026-05-01 2026-05-01
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
  
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%
 
-20% Buffer
 
  
10.25%
  
-
  
11.50%
  
-
  
13.50%
  
-
  
12.50%
  
-
3-year
  
-10% Buffer
 
  
Uncapped
  
101%
  
-
  
-
  
Uncapped
  
152%
 
-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
  
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%
 
-20% Buffer
 
  
10.25%
  
-
  
11.50%
  
-
  
13.25%
  
-
  
13.25%
  
-
3-year
  
-10% Buffer
 
  
Uncapped
  
106%
  
-
  
-
  
Uncapped
  
157%
 
-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
  
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%
 
-20% Buffer
 
  
12.50%
  
-
  
14.50%
  
-
  
14.25%
  
-
  
14.50%
  
-
3-year
  
-10% Buffer
 
  
Uncapped
  
108%
  
-
  
-
  
Uncapped
  
150%
 
-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
  
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%
 
-20% Buffer
 
  
13.00%
  
-
  
15.25%
  
-
  
12.00%
  
-
  
14.25%
  
-
3-year
  
-10% Buffer
 
  
Uncapped
  
109%
  
-
  
-
  
Uncapped
  
149%
 
-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
  
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%
 
-20% Buffer
 
  
12.00%
  
-
  
13.75%
  
-
  
12.25%
  
-
  
14.75%
  
-
3-year
  
-10% Buffer
 
  
Uncapped
  
106%
  
-
  
-
  
Uncapped
  
155%
 
-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
  
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%
 
-20% Buffer
 
  
11.00%
  
-
  
11.25%
  
-
  
11.25%
  
-
  
14.75%
  
-
3-year
  
-10% Buffer
 
  
50.25%
  
-
  
-
  
-
  
Uncapped
  
158%
 
-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
  
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%
 
-20% Buffer
 
  
11.50%
  
-
  
11.50%
  
-
  
11.75%
  
-
  
15.25%
  
-
3-year
  
-10% Buffer
 
  
63.50%
  
-
  
-
  
-
  
Uncapped
  
158%
 
-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
  
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%
 
-20% Buffer
 
  
10.75%
  
-
  
10.25%
  
-
  
9.75%
  
-
  
17.25%
  
-
3-year
  
-10% Buffer
 
  
53.25%
  
-
  
-
  
-
  
Uncapped
  
164%
 
-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
  
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%
 
-20% Buffer
 
  
9.25%
  
-
  
8.00%
  
-
  
10.00%
  
-
  
19.50%
  
-
3-year
  
-10% Buffer
 
  
39.00%
  
-
  
-
  
-
  
Uncapped
  
171%
 
-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
  
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%
 
-20% Buffer
 
  
10.25%
  
-
  
9.50%
  
-
  
10.75%
  
-
  
11.25%
  
-
3-year
  
-10% Buffer
 
  
44.25%
  
-
  
-
  
-
  
Uncapped
  
158%
 
-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
  
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%
 
-20% Buffer
 
  
9.75%
  
-
  
8.75%
  
-
  
10.25%
  
-
  
11.50%
  
-
3-year
  
-10% Buffer
 
  
43.50%
  
-
  
-
  
-
  
Uncapped
  
163%
 
-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
  
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%
 
-20% Buffer
 
  
10.00%
  
-
  
9.25%
  
-
  
10.00%
  
-
  
11.25%
  
-
3-year
  
-10% Buffer
 
  
46.00%
  
-
  
-
  
-
  
Uncapped
  
162%
 
-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
  
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%
 
-20% Buffer
 
  
10.50%
  
-
  
9.50%
  
-
  
10.25%
  
-
  
11.50%
  
-
3-year
  
-10% Buffer
 
  
45.50%
  
-
  
-
  
-
  
Uncapped
  
162%
 
-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
  
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%
 
-20% Buffer
 
  
11.50%
  
-
  
10.75%
  
-
  
10.25%
  
-
  
12.00%
  
-
3-year
  
-10% Buffer
 
  
66.75%
  
-
  
-
  
-
  
Uncapped
  
155%
 
-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
  
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%
 
-20% Buffer
 
  
10.75%
  
-
  
10.00%
  
-
  
10.00%
  
-
  
11.75%
  
-
3-year
  
-10% Buffer
 
  
Uncapped
  
101%
  
-
  
-
  
Uncapped
  
159%
 
-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
  
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%
 
-20% Buffer
 
  
11.50%
  
-
  
11.25%
  
-
  
11.00%
  
-
  
12.50%
  
-
3-year
  
-10% Buffer
 
  
129.50%
  
-
  
-
  
-
  
Uncapped
  
157%
 
-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
  
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%
 
-20% Buffer
 
  
13.00%
  
-
  
15.00%
  
-
  
13.00%
  
-
  
12.75%
  
-
3-year
  
-10% Buffer
 
  
Uncapped
  
107%
  
-
  
-
  
Uncapped
  
155%
 
-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%
Performance Lock may not be available on all strategies.
1-year
Fixed Rate Strategy: 3.70%