Expert review · 2026

Guardian review

Annuity Atlas covers 4 Guardian annuity products with live rates and contract specs. 4 carry full editorial reviews.

How we rank →Today's rates →

A.M. Best

A++

Insurer claims-paying rating

Products tracked: 4
MYGA yield (lineup max): 5.60% · 6yr · Fixed Target Annuity 6-Year
Surrender range: 3–6 years

Rate as of Oct 26, 2026

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Products covered

A.M. Best

A++

Categories covered

MYGA

4 Guardian annuities

Click any product for rates, specs, and the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Fixed Target Annuity 6-Year Savers who want a genuinely top-tier carrier behind a six-year guarantee and don't need the money back before the term is up	MYGA	6yr	A++	—	—	Review →
Fixed Target Annuity 5-Year Savers who want a five-year guaranteed rate backed by one of the strongest-rated carriers in the industry and are comfortable trading some yield for that safety	MYGA	5yr	A++	—	—	Review →
Fixed Target Annuity 4-Year Conservative savers who want a top-rated carrier, a true 4-year rate lock, and no market value adjustment: especially anyone filling a rung of a CD-style ladder that a lot of carriers skip over	MYGA	4yr	A++	—	—	Review →
Fixed Target Annuity 3-Year Buyers who want a short, simple guarantee from the strongest-rated carrier on the shelf and are willing to give up a point or so of yield to get it	MYGA	3yr	A++	—	—	Review →

Fixed Target Annuity 6-Year

Savers who want a genuinely top-tier carrier behind a six-year guarantee and don't need the money back before the term is up

A++

A.M. BEST

MYGA6-YR SURRENDER

Review →

Fixed Target Annuity 5-Year

Savers who want a five-year guaranteed rate backed by one of the strongest-rated carriers in the industry and are comfortable trading some yield for that safety

A++

A.M. BEST

MYGA5-YR SURRENDER

Review →

Fixed Target Annuity 4-Year

Conservative savers who want a top-rated carrier, a true 4-year rate lock, and no market value adjustment: especially anyone filling a rung of a CD-style ladder that a lot of carriers skip over

A++

A.M. BEST

MYGA4-YR SURRENDER

Review →

Fixed Target Annuity 3-Year

Buyers who want a short, simple guarantee from the strongest-rated carrier on the shelf and are willing to give up a point or so of yield to get it

A++

A.M. BEST

MYGA3-YR SURRENDER

Review →

Frequently asked questions

Is Guardian a good annuity company?

We have reviewed 4 Guardian products, and A.M. Best rates the carrier A++ for financial strength.

What is the surrender period for Guardian annuities?

Surrender periods on Guardian's current lineup run 3–6 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability: Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength: A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail: The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

Full methodology →Who publishes this →

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