Summary Prospectus for New Investors by Investment Company (Form 497VPI)

INITIAL SUMMARY PROSPECTUS SUPPLEMENT

DATED JULY 22, 2025

The following supplemental information should be read in conjunction with the Initial Summary Prospectus dated April 25, 2025, Flexible Solutions^® VUL (2018) Variable Life Insurance Policy, issued by The Guardian Insurance & Annuity Company, Inc. through The Guardian Separate Account N.

The Board of Trustees of Variable Insurance Funds, upon the recommendation of Victory Capital Management Inc., the Trust's investment adviser, has approved a Plan of Liquidation for the Victory High Yield VIP Series, Victory RS International VIP Series, and Victory RS Small Cap Growth Equity VIP Series (each separately a "Portfolio", and together the "Portfolios"). The Portfolios will liquidate and dissolve on or about August 28, 2025, (the "Liquidation Date") and will no longer be an available investment allocation option. Prior to the Liquidation Date, starting on Friday, August 22, 2025, you will no longer be able to make allocations into the Portfolios.

Prior to the Liquidation Date, you may change your premium payment allocations instructions and transfer your policy value to any other available variable investment options offered under the terms of your policy. Any policy value that is allocated to the Portfolio at the close of business on the Liquidation Date will be transferred to the Fidelity VIP Government Money Market Portfolio (Service Class 2) (the "Fund"). For 30 days following the Liquidation Date, you may transfer a portion or the entire amount of any of your accumulation value transferred to the Fund to any other available variable investment options free of charge. Transfers made due to the closure and liquidation of the Portfolio will not be counted with regard to the maximum number of free transfers and the limits on the number of transfers under your policy.

You may make changes to your investment allocations by submitting your written, electronic or telephone instructions in Good Order by mail to The Guardian Insurance & Annuity Company, Inc., Individual Markets, at P.O. Box 981588, El Paso, TX 79998-1592 (regular mail) or 5951 Luckett Ct., Bldg. A, El Paso, TX 79998-1588 (overnight mail), sending an email to GIAC_CRU@glic.com or by calling 1-888 GUARDIAN (1-888-482-7432).

To obtain a copy of the prospectus for the Fund or any of the underlying funds for the variable investment options, please contact our Customer Service Office at the number listed above.

You will not incur any fees or charges or any tax liability because of the liquidation. After the liquidation you will receive a confirmation showing the transfer of any policy value from the subaccount that invests in the Portfolio to the subaccount that invests in the Fund.

Further, on and after the Liquidation Date, certain administrative programs will be impacted. Specifically:

You may provide new allocation instructions for DCA, portfolio rebalancing or premium payments at any time while your Policy is in-force.

IMPORTANT NOTE: As noted above, if you do not change your allocation instructions with regard to any DCA, Portfolio Rebalancing and/or Premium Allocations, the Fund will replace the Portfolio under your standing allocation instructions.

Except as set forth herein, all other provisions of the prospectus shall remain unchanged.

THIS SUPPLEMENT SHOULD BE RETAINED WITH THE PROSPECTUS FOR FUTURE REFERENCE