Frequently Asked Questions
- General Questions
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How do I view my account(s)?
Select the "Overview" link to bring you back to your list of accounts. Click on the account number to view the details.
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What information is available for annuity contracts?
- Current and past account value information
- Investment option names and values
- Contract and fund prospectuses
- Statements and confirmations
- Tax Documents
- Annual and semiannual reports
- Transaction history
- Owner, Annuitant, Beneficiary and Financial Professional information
- Pending transactions
- Automated alerts
- Profile information
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What information is available for life insurance policies?
- Current policy value information
- Owner, Beneficiary, and Financial Professional information
- Statements
- Profile information
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Why can’t I make variable investment option transfers online?
Certain annuity contract riders and features have rules and restrictions on transfers. If you encounter problems when requesting a transfer among investment options, please click the "Contact Us" link.
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My annuity contract is non-qualified; is it necessary to take a Required Minimum Distribution (RMD)?
The Internal Revenue Service requires that IRA owners withdraw a minimum amount from their account every year beginning in the calendar year they turn 70½. These withdrawals are called Required Minimum Distributions or RMDs. RMDs do not apply to Roth IRAs or Non-Qualified contracts. Please contact your tax advisor for further details.
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Why can't I see the beneficiaries I have listed on my accounts?
For certain accounts, the beneficiaries are recorded in the account owner's file and not in our computer system. We are constantly updating our system with these beneficiary designations. If you would like to have the beneficiaries added immediately, please click the "Contact Us" link.
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How do I change my beneficiary's address on my annuity contract?
To change the address of the beneficiaries on your contract you can submit a letter of instruction providing us with updated address information.
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How do I change the annuitant's address on my annuity contract?
To change the annuitant's address on your contract, you can submit a change of address form. This can be faxed or mailed.
BY FAX
1-610-807-6083
or
1-610-807-7841BY MAIL
The Guardian Insurance & Annuity Company Inc.
Retirement Solutions
P.O. Box 26210
Lehigh Valley, PA 18002-6210BY OVERNIGHT MAIL
Guardian Retirement Solutions
6255 Sterner Way
Bethlehem, PA 18017 -
Why can’t I make variable investment option transfers online?
Certain annuity contract riders and features have rules and restrictions on transfers. If you encounter problems when requesting a transfer among investment options, please click the "Contact Us" link.
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I never speak with my Financial Professional; how do I remove him/her from my annuity contract?
To remove the Financial Professional listed on your annuity contract you can submit a letter of instruction. This can be faxed or mailed.
BY FAX
1-610-807-6083
or
1-610-807-7841
BY MAIL
The Guardian Insurance & Annuity Company Inc. Retirement Solutions
P.O. Box 26210
Lehigh Valley, PA 18002-6210
BY OVERNIGHT MAIL
Guardian Retirement Solutions
6255 Sterner Way
Bethlehem, PA 18017
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I have a new Financial Professional; how do I change the Financial Professional listed on my annuity contract?
To change the Financial Professional on your annuity contract, you can submit a change of broker form. This can be faxed or mailed.
BY FAX
1-610-807-6083
or
1-610-807-7841
BY MAIL
The Guardian Insurance & Annuity Company Inc. Retirement Solutions
P.O. Box 26210
Lehigh Valley, PA 18002-6210
BY OVERNIGHT MAIL
Guardian Retirement Solutions
6255 Sterner Way
Bethlehem, PA 18017
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How do I change my federal or state income tax withholding election on my systematic withdrawal?
To change federal or state income tax withholding election on a systematic withdrawal you can submit a signed letter of instruction. This can be faxed or mailed. You may also call Client Services at 1-888-Guardian (482-7342), Monday-Thursday, 8:00 AM-6:00 PM ET and Friday, 8:00 AM-5:00 PM ET.
BY FAX
1-610-807-6083
or
1-610-807-7841
BY MAIL
The Guardian Insurance & Annuity Company Inc. Retirement Solutions
P.O. Box 26210
Lehigh Valley, PA 18002-6210
BY OVERNIGHT MAIL
Guardian Retirement Solutions
6255 Sterner Way
Bethlehem, PA 18017
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What if my address information has changed?
Select "Profile" to update your personal information including your home, mailing and billing addresses.
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How do I update my phone number, e-mail address, etc?
Select "Profile" to update your personal information including your phone number, e-mail address as well as your delivery preferences.
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How do I update my password?
Select "Profile" to update your personal information including your password and telephone security code.
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Is the information secure?
Yes. Guardian uses SSL (Secure Socket Layer) to encrypt all information passed over the Internet. SSL is a standard technology used to protect sensitive information sent to websites, and is supported by all major browsers.
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What happens when the website is unavailable?
Guardian account account access is available 24 hours a day, 7 days a week. If the site is unavailable, or if you need technical assistance, please contact Customer Support during our normal business hours.
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What is eDelivery?
eDelivery is a service offered by Guardian that provides you with fast, efficient and paperless online delivery of your Contract Statements and the most current Prospectuses and Reports. Contract Statements include Quarterly, Anniversary, Annual and Confirmation statements. Prospectuses and Reports include Contract and Fund Prospectuses and Supplements as well as Semi-Annual and Annual Fund Reports. Disability currently only offers Annual Statements for eDelivery purposes. Once you have enrolled for eDelivery, you will no longer receive these types of documents via the regular mail.
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What are the system requirements needed to enroll for eDelivery?
In order to view documents using eDelivery, you will need Adobe® Reader® software. If you do not currently have Adobe® Reader®, you can go to www.adobe.com and download it free of charge. You should also refer to Adobe® Reader® for the system requirements necessary to access these documents. If you are unable to download Adobe® Reader® or view PDF documents, you should not sign up for eDelivery.
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How do I sign up for this service?
You can sign up at any time by going to "Profile". Upon enrollment you will receive a confirmation email.
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Does it cost me anything to sign up for eDelivery?
No, it's a free service. You may incur charges from Internet service providers and local telephone companies when accessing our documents online.
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What if my email address changes?
You can change your email address at any time by returning to My Profile.
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How do I cancel my enrollment for eDelivery?
You can cancel your enrollment at any time by returning to My Profile and changing your Delivery Preferences to U.S. Mail. If you would like to receive electronic documents again you must re-enroll for eDelivery.
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How will I be notified when updated documents are available for viewing?
When a new document is available, you'll receive an email from Guardian. The email will include a link that will take you to this website where the updated document will be posted.
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What happens if the email notification cannot be delivered for some reason?
If we are unable to deliver a notification to you electronically, we will discontinue your enrollment in eDelivery and send a letter to your address of record notifying you that we were unable to deliver your notification via email. You will then receive all future documents via the regular mail until you re-enroll for eDelivery by returning to My Profile and entering the required information.
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If I enroll in eDelivery can I still get paper copies?
Yes. If you would like to request a paper copy of a specific contract statement, prospectus or annual/semiannual report, please contact Customer Support at 1-888-Guardian (482-7342), Monday-Friday, 8:00 AM-6:00 PM ET.
You will not automatically receive paper copies unless you cancel your enrollment in eDelivery.