SD
● Active
Standard Death Benefit
The Guardian Insurance & Annuity Company
DTCC ID
—
COMPANY
The Guardian Insurance & Annuity Company
TYPE
RILA
INCEPTION
Mar 27, 2024
Identity
Benefit name
Standard Death Benefit
Internal benefit name
Standard Death Benefit
Product policy type
RILA
Status
● Active
Sequence
1
Inception date
Mar 27, 2024
Closed date
—
DTCC Rider ID
—
Last modified
Jul 23, 2025
Life & Age
Based on life
Owner (or Annuitant if owner is a non-natural person)
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Mandatory
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
Subsequent purchase payment will increase benefit base by dollar-for-dollar amount.
Partial withdrawals
Withdrawals will reduce the Death Benefit Amount in the same proportion as they reduce the Fixed Account.
Required min distributions
—
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue benefit after death of owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description
Available during the accumulation phase. Upon the death of an annuitant age 75 or younger at contract issue, the benefit will be the greater of: (1) the contract value, or (2) total purchase payments made, adjusted for withdrawals. Thereafter, the benefit will be equal to the contract value.
Lifecycle Events
Cancellation
May not be cancelled.
Termination
May not be cancelled.
Effect change ownership
Change in ownership will result in the death benefit being limited to the Standard Death Benefit.