Guardian introduces two new Crediting Strategies to Guardian MarketPerform®, designed to enhance clients’ financial wellness
December 16, 2025 by Guardian Life
New York, N.Y.—Dec. 9, 2025—The Guardian Life Insurance Company of America® (Guardian) has announced the addition of two new Crediting Strategies to Guardian MarketPerform®—Step-Up Trigger Rate and Cap with Participation and Spread strategies. The company’s registered index-linked annuity (RILA) now offers clients the flexibility to choose from a total of three Crediting Strategies.
Learn more about Guardian MarketPerform here: https://www.guardianlife.com/annuities/RILA
As one of the first RILAs to offer Cap Rate and Participation with Spread as a Crediting Strategy, clients now have access to greater growth potential without paying a fee*. Through the Step-Up Trigger Rate option, clients also get even more predictability. These additions follow other enhancements the company made to Guardian MarketPerform in 2025, including making Guardian MarketPerform available in New York state and adding Nasdaq-100 three- and six-year terms in all approved states.
According to research from Guardian, 73% of Americans said they haven’t saved enough for retirement and 69% regret not starting to save sooner—with past confusion, hesitancy, and concern over market conditions leaving many underprepared for retirement. As RILAs like Guardian MarketPerform provide growth potential and a level of protection during market downturns, RILAs are a unique financial tool that can help Americans better prepare for retirement. For those nearing retirement, RILAs can also be less risky than traditional equity investments.
“Confidence in retirement means knowing your money has a level of protection, no matter the economic conditions,” said Erin Culek, Head of Financial Protection and Retirement Solutions at Guardian. “With Americans’ desire for financial security stronger than ever, sales of Guardian MarketPerform have nearly tripled since launching in 2024. We’re continuing to enhance our suite of retirement solutions so individuals can retire with confidence.”
Discover how Guardian MarketPerform can help individuals build a secure retirement at GuardianLife.com/annuities/RILA. A current prospectus for Guardian MarketPerform is available here.
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About Guardian
Guardian makes a difference in the lives of people when they need us most. With 165 years of stability and fiscal integrity, we are a trusted resource to generations of families and business owners, inspiring well-being and helping build financial confidence. Today, we stand behind millions of consumers, helping them prepare and plan for a bright future for themselves and their families. We help business owners care for their employees. And we help people recover and thrive in times of unexpected loss. As a modern mutual insurance company, we believe in driving value beyond dividends. We invest in our colleagues, are building an inclusive and innovative culture, and are helping to uplift communities through thoughtful corporate impact programs. Guardian, which is based in New York City, is a leading provider of life, disability, dental, and other benefits, and has received accolades for its culture and service. Our colleagues and financial professionals serve with care and experience, and our commitments rest on a strong financial foundation, which included a 2025 dividend allocation of $1.6 billion – the largest in the company’s history. For more information, visit guardianlife.com or follow us on Facebook, LinkedIn, and YouTube.
