The Guardian Fixed Target Annuity 6 is a 6-year multi-year guaranteed annuity from Guardian Insurance & Annuity Co..
Rate change on November 16, 2026. Guardian Insurance & Annuity Co. has filed a new rate for the Guardian Fixed Target Annuity 6.
Today's rate is not locked until Guardian Insurance & Annuity Co. receives your final application, and it is only secured once the policy is funded. Start soon so your application reaches Guardian Insurance & Annuity Co. before November 16.
4.95% every year. It cannot go down during the term.
Of your account value each year, with no surrender charge.
Of your account value each year, with no surrender charge.
Interest compounds annually at 4.95%. Enter your deposit and select Recalculate to see your own numbers.
| Year | Starting balance | Interest earned | Ending balance |
|---|---|---|---|
| Year 1 | $5,000.00 | +$247.50 | $5,247.50 |
| Year 2 | $5,247.50 | +$259.75 | $5,507.25 |
| Year 3 | $5,507.25 | +$272.61 | $5,779.86 |
| Year 4 | $5,779.86 | +$286.10 | $6,065.96 |
| Year 5 | $6,065.96 | +$300.27 | $6,366.23 |
| Year 6 | $6,366.23 | +$315.13 | $6,681.36 |
Assumes no withdrawals. Interest grows tax-deferred until withdrawn. Rates last updated 11/15/2026 and subject to change until your rate is locked. For illustration purposes only.
This annuity lets you take some money out each year without a charge. Anything above that amount is subject to the charges below until the term ends.
The charge applies to the amount you withdraw above any free amount. Example: withdrawing $10,000 in year 1 would cost $700.
Early withdrawals are not adjusted for interest rate changes.
Carriers can change rates without notice. Today's rate is not locked until Guardian Insurance & Annuity Co. receives your final application, and it is only secured once the policy is funded.
Your rate locks when Guardian Insurance & Annuity Co. receives your signed application. Your money has to arrive inside this window to keep that rate.
Moving an IRA or an old annuity? Sign the transfer forms with your application so the transfer and the lock start the same day.
Set by the carrier and subject to change. Last checked Nov 2026. We confirm the lock before you apply.
The date Guardian Insurance & Annuity Co. last changed the rate on this product.
You have 30 days after the term ends to act with no surrender charge.
We compare rates from 90+ top annuity companies and are licensed in 47 states. Your contract and your money are held by Guardian Insurance & Annuity Co., never by us.
We are paid by Guardian Insurance & Annuity Co. when you make a purchase. Commission rates are updated periodically and subject to change.
In limited instances, My Annuity Store may receive higher compensation than the published commission rates based on achieving a certain level of sales volume or as a result of playing an expanded role in policy processing. This is an indirect cost to you, as it is already factored into the interest rate quoted.
Commissions may be slightly lower for individuals age 80 and older.
How Annuity Commissions WorkIf you may need money before the 6 years are up, or want to compare this against other terms, talk it through with a licensed agent first. Schedule a call or dial 855-277-8088. No fees and no obligation.
The Guardian Fixed Target Annuity 6 rate depends on how much you deposit. The last column shows the new rate Guardian Insurance & Annuity Co. has scheduled.
| Deposit amount | Rate today | From Nov 16 |
|---|---|---|
| $5,000 to $99,999 your amount | 4.95% | 4.90% |
| $100,000 to $1,000,000 | 5.30% | 5.25% |
New to MYGAs? Read the MYGA guide, our tax overview, or compare today's best annuity rates. Looking for lifetime income instead? Use our single premium immediate annuity calculator.
Rates last updated 11/15/2026 and subject to change without notice. For illustration purposes only. This annuity is issued by Guardian Insurance & Annuity Co., an insurance company, not a bank, and is not FDIC insured. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Withdrawals may be subject to surrender charges, a market value adjustment and ordinary income tax, and to a 10% federal tax penalty if taken before age 59½. Not available in GU. My Annuity Store does not give tax or legal advice. Please consult a tax professional or attorney.
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