Guardian review

Annuity Atlas has published 4 editorial reviews of Guardian products. Average peer-group rating 4.0 / 5, top-rated product earns 4.3 / 5. Browse the full lineup below.

Our rating

4.0

Avg ★ / 5

Products reviewed4

A.M. BestA++

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Reviews published

Average rating

★ 4.0 / 5

A.M. Best

A++

Categories covered

MYGA

4 Guardian annuities reviewed

Sorted by star rating. Click any product for 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 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 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 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 →

Frequently asked questions

Is Guardian a good annuity company?

Guardian earns an average rating of 4.0/5 across the 4 products we've reviewed, 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.

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