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401(k) Funding Vehicle Products

At Broad River, it’s about you. Your business, your employees, your retirement plan. We are dedicated to working with your financial professional to help you access plan services that fit your needs and provide your employees with a retirement solution to help them accumulate assets for the long-term.

We offer two funding vehicles appropriate for a wide range of qualified retirement plans including 401(k), profit sharing, defined benefit and cash balance.

Who Stands Behind These Products?

The Guardian Insurance & Annuity Company, Inc. (GIAC) - formed in 1971, issues variable insurance contracts such as variable annuities and variable life insurance; fixed annuities; and 401(k) funding vehicle products. All guarantees are backed exclusively by the strength and claims-paying ability of GIAC. GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America. It should be noted that, although the insurance features are guaranteed by The Guardian Insurance & Annuity Company, Inc. (GIAC), the variable investment options within the products are not guaranteed and are subject to the inherent risks of investing in securities.

There is no additional tax deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since these are already afforded tax-deferred status. Thus, an annuity should only be purchased in an IRA or qualified plan if the client values some of the other features of the annuity and is willing to incur any additional costs associated with the annuity to receive such benefits.

Diversification does not ensure a profit or guarantee against loss.

Variable Products are sold by prospectus only. You should carefully consider the investment objectives, risks, charges and expenses of the fund before making an investment decision. The prospectus contains this and other important information. Please read it carefully before investing or sending money. To obtain a copy, please call 503-207-4550.

Variable annuities are long-term investment vehicles that involve certain risks, including possible loss of the principal amount invested. The investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than original cost. Withdrawals of taxable amounts will be subject to ordinary income tax and possible mandatory federal income tax withholding. If withdrawals are taken prior to age 59½, a 10% IRS penalty may also apply. Withdrawals affect the variable annuity's death benefit, cash surrender value and any living benefit and may also be subject to a contingent deferred sales charge.

There are inherent risks involved with investing in mutual funds. The investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. Past performance is not a guarantee of future results.

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