Guardian Separate Account R

05/01/2026 | Press release | Distributed by Public on 05/01/2026 12:50

Updating Summary Prospectus (Form 497VPU)

UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS
May 1, 2026
GUARDIAN INVESTOR IISM VARIABLE ANNUITY
Issued by The Guardian Insurance & Annuity Company, Inc.
Separate Account R
The prospectus for the Guardian Investor IISM Variable Annuity, an individual flexible premium deferred variable annuity contract offered by The Guardian Insurance & Annuity Company, Inc. (GIAC, we, us, our), contains more information about the contract, including its features, benefits, and risks. You can find the current prospectus and other information about the contract online at: https://Guardianlife.onlineprospectus.net/Guardianlife/investor-ii/?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-800-830-4147. 
Additional general information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.
The Securities and Exchange Commission has not approved or disapproved the Policy or passed upon the adequacy of this Summary Prospectus. Any representation to the contrary is a criminal offense.
TABLE OF CONTENTS 
SPECIAL TERMS USED IN THIS PROSPECTUS
1
UPDATED INFORMATION ABOUT YOUR CONTRACT
2
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT
3
APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
A-1
APPENDIX B: INVESTMENT OPTIONS AVAILABLE UNDER THE GLWB RIDER
B-1
i
SPECIAL TERMS USED IN THIS PROSPECTUS
Accumulation Period: The period between the issue date of the contract and the Annuity Commencement Date.
Accumulation Unit: A measure used to determine the value of a contract owner's interest in each variable investment option under the contract before Annuity Payments begin. Each variable investment option will have its own Accumulation Units.
Accumulation Value: The sum of the values attributable to the Variable Investment Options and the fixed-rate option that are credited to a contract.
Adjusted Guaranteed Withdrawal Balance: This balance for the GLWB rider options is the greater of the total premium payments made under the contract or the guaranteed withdrawal balance as of the end of the day immediately preceding the day the rider fee is determined plus any increase as a result of the application of the annual minimum guarantee or cumulative guarantee.
Annuitant: The person on whose life the Annuity Payments payable under the contract are based.
Annuity Commencement Date: The date on which Annuity Payments under the contract begin.
Annuity Payments: Periodic payments, either variable or fixed in nature, made by GIAC to the Contract Owner at monthly or other periodic intervals after the Annuity Commencement Date.
Annuity Unit: A measure used to determine the amount of any variable annuity payment.
Basic Contract: The contract, excluding any optional benefit riders or endorsements.
Beneficiary: The person(s) designated to receive any benefits under a contract upon the death of an owner.
Chargeable Premium: Each Net Premium that is subject to a Contingent Deferred Sales Charge (surrender charge), less the amount of any withdrawals attributable to that premium on which we assessed a Contingent Deferred Sales Charge.
Contract Anniversary Date: The annual anniversary measured from the issue date of the contract.
Contingent Annuitant: The person you name at issue to become the Annuitant if the Annuitant dies before the Annuity Commencement Date. The owner's right to name a Contingent Annuitant may be restricted under the provisions of a retirement or deferred compensation plan for which the contract is issued. A Contingent Annuitant may be named only if permitted by the laws of the jurisdiction in which the contract is issued, and is not permitted if there is a non-natural owner.
Contingent Beneficiary: The person(s) designated to receive any benefits under a contract upon an owner's death should all primary Beneficiaries predecease such owner.
Customer Service Office: Contact Center For telephonic communications: Customer Service Office Contact Center 8:00 a.m. to 7:00 p.m. Eastern Time 1-800-830-4147.
Death Benefit Covered Person (California Only): The person shown on the contract data pages on whom a death benefit is payable under the contract in the event of that person's death prior to the Annuity Commencement Date. This person cannot be changed except in accordance with the spousal continuation provision.
Due Proof of Death in Good Order: A certified death certificate, all necessary claim paperwork and such other information as we may require to process the death benefit.
1
Funds: The open-end management investment companies, each corresponding to a Variable Investment Option.
Good Order: Notice from any party authorized to initiate a transaction under this contract, received in a format satisfactory to GIAC at its Mailing Address, that contains all information required by GIAC to process that transaction. In addition, transaction requests must be received on a Valuation Date no later than the close of the New York Stock Exchange, generally 4:00 p.m. Eastern time, in order to receive that day's Accumulation Unit values.
Monthly Contract Anniversary: The same date of each calendar month as the issue date of the Basic Contract, or the last day of a calendar month, if earlier.
Mailing Address:
For private express mail with tracking number:
Talcott Resolution - Annuity Service Operations
Administrator for your Guardian Annuity Contract
c/o Cognizant, sub-administrator
6716 Grade Ln., Building 9, Suite 910
Louisville, KY 40213.
For standard mail delivery without tracking number:
Talcott Resolution - Annuity Service Operations
Administrator for your Guardian Annuity Contract
c/o Cognizant, sub-administrator
P.O. Box 14293
Louisville, KY 40512-4293.
Net Premium: A premium paid by the owner to us in accordance with the provisions of the contract, less any applicable annuity taxes.
Owner (Contract Owner): You (or your); the person(s) or entity designated as the owner in the contract.
Valuation Date: A date on which Accumulation Unit values are determined. Accumulation Unit values are determined on each date on which the New York Stock Exchange or its successor is open for trading.
Valuation Period: The time period from the determination of one Accumulation Unit and Annuity Unit value to the next.
Variable Investment Options: The Funds underlying the contract are the Variable Investment Options - as distinguished from the fixed-rate option - available for allocations of Net Premium payments and allocation values.
UPDATED INFORMATION ABOUT YOUR CONTRACT
The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the Prospectus dated April 25, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract. There have been changes to the underlying Funds' information in the Fees and Expenses table and Appendix A that are contained in this Summary Prospectus.
2
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT
An investment in the contract is subject to fees, risks, and other important considerations, some of which are briefly summarized in the following table. You should review the prospectus for additional information about these topics. 
Fees, Expenses and Adjustments
Location in
Prospectus
Are There
Charges or
Adjustments
for Early
Withdrawals?
Yes.
B Series: If you withdraw money during the first 7 years following your last
premium payment, you may be assessed a surrender charge of up to 8% of the
premium withdrawn, declining to 0% over that time period. Surrender charges
will reduce the value of your contract if you withdraw money during that time.
For example, if you make an early withdrawal, you could pay a surrender
charge of up to $8,000 on a $100,000 investment. This loss will be greater if
there are taxes or tax penalties.
L Series: If you withdraw money during the first 4 years following your last
premium payment, you may be assessed a surrender charge of up to 8% of the
premium withdrawn, declining to 0% over that time period. Surrender charges
will reduce the value of your contract if you withdraw money during that time.
For example, if you make an early withdrawal, you could pay a surrender
charge of up to $8,000 on a $100,000 investment. This loss will be greater if
there are taxes or tax penalties.
Financial
Information -
Contract Costs
and Expenses
Expense tables
- Transaction
expenses
 
Are There
Transaction
Charges?
Yes
In addition to surrender charges, you also may be charged for the following
transactions: transfers of cash value between investment options.
Financial
Information -
Contract Costs
and Expenses
Expense tables
- Transaction
expenses
3
Are There
Ongoing Fees
and
Expenses?
Yes
The table below describes the fees and expenses that you may pay each year,
depending on the investment options and optional benefits you choose. Please
refer to your contract specifications page for information about the specific fees
you will pay each year based on the options you have elected.
Financial
Information -
Contract Costs
and Expenses
Expense tables
- Transaction
expenses
Annual Fee
Minimum
Maximum
Base Contract (Varies by Contract Class)1
1.40%
1.75%
Investment Fund options
(portfolio company fees and expenses)2
0.50%
1.39%
Optional benefits available for an additional
benefits charge (for a single optional benefit if
elected)3
0.25%
3.50%
1 As a percentage of value in the Separate Account. The Minimum fee is the
B Series Contract and the Maximum fee is associated with the L Series
Contract.
2 As a percentage of Fund net assets.
3 The minimum fee shown is calculated as a percentage of the value in the
Separate Account; the maximum fee shown is calculated as a percentage of
the GWB adjustment, which is a value used to calculate your benefit.
Because your contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your
contract, the following table shows the lowest and highest cost you could
pay each year, based on current charges. This estimate assumes that you do
not take withdrawals from the contract, which could add surrender
charges that substantially increase costs.
 
Lowest Annual Cost
$2,319
Highest Annual Cost
$8,360
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive combination
of contract class, and fund
fees and expenses
●No optional benefits
●No sales charges
●No additional purchase
payments, transfers, or
withdrawals
Assumes:
●Investment of $100,000
●5% annual appreciation
●Most expensive combination of
contract class, optional benefits and
fund fees and expenses
●No sales charges
●No additional purchase payments,
transfers, or withdrawals
 
Risks
Location in
Prospectus
Is There a
Risk of
Loss from
Poor
Performance?
Yes.
You can lose money by investing in this contract including loss of principal.
Principal
Risks
Is this a
Short-Term
Investment?
No.
This contract is not a short-term investment and is not appropriate for an
investor who needs ready access to cash.
Amounts withdrawn from the contract may result in surrender charges, taxes
and tax penalties. Surrender charges may apply for the first 7 years
Principal
Risks
4
Risks
Location in
Prospectus
following your last premium payment for the B Series and first four years
following your last premium payment for the L Series. Surrender charges
will reduce the value of your contract if you withdraw money during that
time.
The benefits of tax deferral and living benefit protection also mean the
contract is more beneficial to investors with a long time horizon.
What Are
the Risks
Associated
with the
Investment
Options?
●An investment in this contract is subject to the risk of poor investment
performance and can vary based on the investment options available
under the contract.
●Each investment option, including the fixed-rate option, has its own
unique risks.
●You should review the prospectuses for the available funds before
making an investment decision.
Principal
Risks
Appendix A:
Investment
Options
Available
Under the
Contract
What Are
the Risks
Related to
the
Insurance
Company?
An investment in the contract is subject to the risks related to us, as the
Insurance Company. Any obligations (including under the fixed-rate option),
guarantees, and benefits of the contract are subject to our claims-paying
ability. If we experience financial distress, we may not be able to meet our
obligations to you. More information about GIAC, including our financial
strength ratings, is available by contacting us at 1-800-830-4147.
Principal
Risks
 
Restrictions
Location in
Prospectus
Are There
Restrictions
on the
Investment
Options?
Yes.
●We reserve the right to impose a charge for transfers among investment
options in excess of 12 per contract year.
●We reserve the right to limit the frequency of transfers to not more than
once every 30 days.
●We may limit transfers based on frequent trading activity.
●We reserve the right to remove or substitute the Variable Investment
Options that are available as investment options under the contract.
●We reserve the right to discontinue the fixed-rate option at any time.
●The fixed-rate option may not be available in your state.
●There are limitations on the number and amount of transfers into and
out of the fixed-rate option.
●We reserve the right to suspend, discontinue or otherwise restrict the
availability of the fixed-rate option for additional premium payments
and/or transfers.
●You may choose to invest in a maximum of 25 of the 34 Variable
Investment Options or 24 of the Variable Investment Options and the
fixed-rate option, if available, at any time.
●During the annuity period, if you have a variable annuity payout option
your transfers among the Variable Investment Options are limited to
once each month.
●The availability of investment options, contract benefits, or other
The
Accumulation
Period
- Transfers
- Variable
investment
options
- Fixed-rate
option
Other
Information -
Distribution
of Contract
5
Restrictions
Location in
Prospectus
contract features described in this prospectus may vary depending on
the broker-dealer through which the contract is sold.
Are There any
Restrictions
on Contract
Benefits?
Yes.
●Certain optional benefits limit or restrict the investment options that you
may select under the contract. We may change these restrictions in the
future.
●Certain optional benefits generally limit subsequent purchase payments.
●Withdrawals may reduce the value of a benefit by an amount greater than
the value withdrawn, which could significantly reduce the value or even
terminate the benefit.
●Optional benefits are no longer available for new sales.
●The availability of investment options, contract benefits, or other contract
features described in this prospectus may vary depending on the
broker-dealer through which the contract is sold.
Other Contract
Features
- Benefits
Under the
Contract
- Distributions
on death
- Enhanced
death benefit
riders
- Earnings
benefit rider
- Guaranteed
Lifetime
Withdrawal
Benefit
(GLWB)
Rider
Other
Information -
Distribution
of Contract
 
Taxes
Location in
Prospectus
What Are the
Contract's
Tax
Implications?
●You should consult with a tax professional to determine the tax
implications of an investment in and payments received under this
contract.
●If you purchase the contract through a tax-qualified plan or individual
retirement account, you do not get any additional tax deferral.
●You will generally not be taxed on increases in the value of the contract
until they are withdrawn. Withdrawals will be subject to ordinary income
tax, and may be subject to tax penalties if you take a withdrawal before
age 59 1∕2.
Financial
Information -
Federal tax
matters
 
Conflicts of Interest
Location in
Prospectus
How Are
Investment
Professionals
Compensated?
Your investment professional may receive compensation for selling this
contract to you, in the form of commissions, additional cash benefits (e.g.,
bonuses), and non-cash compensation. This conflict of interest may influence
your investment professional to recommend this contract over another
investment for which the investment professional is not compensated or
compensated less.
Your rights and
responsibilities
- Distribution
of the contract
Should I
Exchange My
Contract?
If you already own an insurance contract, some investment professionals may
have a financial incentive to offer you a new contract in place of the one you
own. You should only exchange a contract you already own if you determine,
Buying a
contract - Tax
Free
6
Conflicts of Interest
Location in
Prospectus
after comparing the features, fees, and risks of both contracts, and any fees or
penalties to terminate your existing contract, that it is better for you to purchase
the new contract rather than continue to own your existing contract.
"Section 1035"
Exchanges
7
APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
Variable Investment Options
The following is a list of Funds available under the contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://Guardianlife.onlineprospectus.net/Guardianlife/investor-ii/?ctype=product_prospectus. You can also request this information at no cost by calling the Customer Service Office Contact Center at 1-800-830-4147.
The availability of investment options may vary depending on the broker-dealer through which the contract is sold. See Distribution of the Contract - Broker-Dealer Contract Variations.
The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance. 
As of December 31, 2025
Type/Investment Objective
Portfolio Company And
Adviser/SubAdviser
Current
Expenses
1 Year
Average
Annual
Total
Return
5 Year
Average
Annual
Total
Return
10 Year
Average
Annual
Total
Return
Maximize total return consistent with
the Adviser's determination of
reasonable risk.
AB VPS Dynamic Asset Allocation Portfolio
(Class B)
AllianceBernstein, L.P.
1.10%
13.21%
4.74%
5.25%
Seeks high total investment return.
BlackRock Global Allocation V.I. Fund (Class III)
BlackRock Advisors, LLC
0.99%
19.42%
5.51%
7.33%
Seeks as high a level of current
income as is consistent with
preservation of capital and liquidity.
Fidelity VIP Government Money Market Portfolio
(Service Class 2)1
Fidelity Management & Research Company LLC
FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong)
Limited, Fidelity Management & Research (Japan)
Limited
0.50%
3.86%
2.90%
1.83%
The Fund seeks to provide a high level
of current income and capital
appreciation without undue risk to
principal.
Guardian Core Fixed Income VIP Fund
Park Avenue Institutional Advisers LLC
FIAM LLC
0.52%
6.61%
N/A
N/A
The Fund seeks income and capital
appreciation to produce a high total
return.
Guardian Core Plus Fixed Income VIP Fund
Park Avenue Institutional Advisers LLC
Lord, Abbett & Co. LLC
0.82%
7.07%
-0.12%
N/A
The Fund seeks capital appreciation.
Guardian Diversified Research VIP Fund
Park Avenue Institutional Advisers LLC
Putnam Investment Management, LLC
0.95%
18.06%
14.36%
N/A
The Fund seeks a high level of current
income consistent with growth of
capital.
Guardian Equity Income VIP Fund
Park Avenue Institutional Advisers LLC
Wellington Management Company LLP
0.55%
14.76%
N/A
N/A
The Fund seeks total return.
Guardian Global Utilities VIP Fund
Park Avenue Institutional Advisers LLC
Wellington Management Company LLP
1.09%
26.93%
11.72%
N/A
The Fund seeks long-term growth of
capital.
Guardian Growth & Income VIP Fund
Park Avenue Institutional Advisers LLC
AllianceBernstein L.P.
0.97%
10.13%
10.63%
N/A
The Fund seeks capital appreciation.
Guardian Integrated Research VIP Fund
Park Avenue Institutional Advisers LLC
Wellington Management Company LLP
0.84%
14.65%
12.63%
N/A
The Fund seeks long-term capital
appreciation.
Guardian International Equity VIP Fund
Park Avenue Institutional Advisers LLC
Schroder Investment Management North
America Inc. ("SIMNA")
Schroder Investment Management North America
Limited ("SIMNA Ltd.")
1.14%
27.11%
5.79%
N/A
A-1
As of December 31, 2025
Type/Investment Objective
Portfolio Company And
Adviser/SubAdviser
Current
Expenses
1 Year
Average
Annual
Total
Return
5 Year
Average
Annual
Total
Return
10 Year
Average
Annual
Total
Return
The Fund seeks total return consisting
of long-term capital growth and
current income.
Guardian International Growth VIP Fund
Park Avenue Institutional Advisers LLC
J.P. Morgan Investment Management Inc.
1.15%
17.97%
2.78%
N/A
The Fund seeks to maximize long-term
growth.
Guardian Large Cap Disciplined Growth VIP Fund
Park Avenue Institutional Advisers LLC
Wellington Management Company LLP
0.87%
16.99%
12.01%
N/A
The Fund seeks to provide long-term
growth of capital primarily through
investment in equity securities. Current
income is a secondary objective.
Guardian Large Cap Disciplined Value VIP Fund
Park Avenue Institutional Advisers LLC
Boston Partners Global Investors, Inc.
0.97%
17.15%
13.66%
N/A
The Fund seeks long-term growth of
capital.
Guardian Large Cap Fundamental Growth VIP
Fund
Park Avenue Institutional Advisers LLC
FIAM LLC
0.98%
15.32%
12.14%
N/A
The Fund seeks long-term capital
appreciation.
Guardian Mid Cap Relative Value VIP Fund
Park Avenue Institutional Advisers LLC
Allspring Global Investments, LLC
1.09%
5.61%
9.55%
N/A
The Fund seeks long-term growth of
capital.
Guardian Mid Cap Traditional Growth VIP Fund
Park Avenue Institutional Advisers LLC
Janus Henderson Investors US LLC
1.08%
8.14%
6.98%
N/A
The Fund seeks to provide a high
current income with a secondary
objective of capital appreciation.
Guardian Multi-Sector Bond VIP Fund
Park Avenue Institutional Advisers LLC
Janus Henderson Investors US LLC
0.96%
8.46%
-0.66%
N/A
The Fund seeks to preserve principal
and meet liquidity needs while
maximizing total return.
Guardian Short Duration Bond VIP Fund
Park Avenue Institutional Advisers LLC
Allspring Global Investments, LLC
0.45%
5.35%
N/A
N/A
The Fund seeks capital appreciation.
Guardian Small Cap Value Diversified VIP Fund
Park Avenue Institutional Advisers LLC
Boston Partners Global Investors, Inc.
1.05%
6.66%
4.56%
N/A
The Fund seeks capital appreciation.
Guardian Small-Mid Cap Core VIP Fund
Park Avenue Institutional Advisers LLC
FIAM LLC
1.02%
1.56%
N/A
N/A
The Fund seeks capital appreciation.
Guardian Strategic Large Cap Core VIP Fund
Park Avenue Institutional Advisers LLC
AllianceBernstein L.P.
0.92%
11.76%
N/A
N/A
The Fund seeks total return with an
emphasis on high current income as
well as capital appreciation.
Guardian Total Return Bond VIP Fund
Park Avenue Institutional Advisers LLC
Massachusetts Financial Services Company
0.81%
6.87%
-0.82%
N/A
The Fund seeks total return with an
emphasis on current income as well as
capital appreciation.
Guardian U.S. Government/Credit VIP Fund
Park Avenue Institutional Advisers LLC
Lord, Abbett & Co. LLC
0.74%
6.72%
0.21%
N/A
Seeks capital appreciation.
MFS® Blended Research® Core Equity Portfolio
(Service Class)
Massachusetts Financial Services Company
0.55%
15.82%
15.01%
13.59%
Seeks capital appreciation.
MFS® Technology Portfolio (Service Class)
Massachusetts Financial Services Company
1.07%
16.28%
12.17%
18.35%
Seeks capital appreciation. Under
normal circumstances, the fund invests
at least 80% of its net assets in
companies of a size similar to those in
the Russell 2000 Value Index.
Putnam VT Small Cap Value Fund (Class IB)
Franklin Advisers, Inc.
Franklin Templeton Investment Management
Limited
Putnam Investments Limited (PIL)
0.20%
5.27%
10.99%
9.13%
A-2
As of December 31, 2025
Type/Investment Objective
Portfolio Company And
Adviser/SubAdviser
Current
Expenses
1 Year
Average
Annual
Total
Return
5 Year
Average
Annual
Total
Return
10 Year
Average
Annual
Total
Return
Seeks current income with capital
appreciation and growth of income.
Under normal market conditions, the
fund invests at least 80% of its net
assets in debt securities of any
maturity.
Templeton Global Bond VIP Fund (Class 2
Shares)
Franklin Advisers, Inc.
0.75%
15.73%
-0.96%
-0.15%
Current income and total return.
Victory Pioneer Bond VCT Portfolio (Class II)
formerly Pioneer Bond VCT Portfolio (Class II)
Victory Capital Management Inc.
1.12%
8.87%
0.51%
2.59%
1
There is no assurance that this Fund will be able to maintain a stable net asset value per share. In addition, during extended periods of low interest rates, and partly as a result of asset-based separate account charges, the yield on this investment account may become low and possibly negative.
Fixed Investment Options
The following is a list of fixed options currently available under the contract. We may change the features of the fed options listed below, offer new fixed options, and terminate existing fixed options. We will provide you with written notice before doing so. See The accumulation period, fixed-rate option in the prospectus for more information. 
Name
Term
Minimum Guaranteed Interest Rate
Fixed-rate option
1 year
1%
The fixed-rate option is not available while the Earnings Benefit Rider is in effect.
A-3
APPENDIX B: INVESTMENT OPTIONS AVAILABLE UNDER THE GLWB RIDER
For contracts issued in conjunction with application dated during the periods below, the chart lists the models available to contracts with the rider. During the entire time this rider is in effect, you must invest all of your premium payments and the contract Accumulation Value in one of the allocation models listed under the applicable period for your contract. 
Fund
Guaranteed Living Withdrawal Rider
6/1/12 - 4/1/15
5/1/15 - 7/31/15
8/1/15 - 2/17/17
Aggressive
80/20
Growth
70/30
Moderate
60/40
Conservative
40/60
Aggressive
80/20
Conservative
40/60F-G
Growth
70/30
Moderate
60/40
Growth
70/30
Moderate
60/40G
Conservative
40/60
Guardian Small-Mid Cap
Core VIP Fund
2%
2%
2%
2%
2%
2%
2%
Guardian Core Plus
Fixed Income VIP Fund
6%
30%
12%
20%
2%
3%
3%
7%
13%
16%
27%
Guardian Diversified
Research VIP Fund
20%
7%
7%
4%
Guardian Global Utilities
VIP Fund
2%
2%
Guardian Growth &
Income VIP Fund
22%
6%
5%
4%
Guardian Integrated
Research VIP Fund
12%
8%
6%
7%
6%
6%
4%
7%
6%
3%
Guardian International
Growth VIP Fund
11%
9%
7%
5%
11%
9%
9%
5%
2%
2%
Guardian International
Equity VIP Fund
7%
5%
5%
Guardian Large Cap
Disciplined Growth VIP
Fund
10%
7%
5%
7%
5%
5%
2%
5%
4%
2%
Guardian Large Cap
Disciplined Value VIP
Fund
10%
8%
6%
10%
9%
9%
6%
9%
8%
6%
Guardian Large Cap
Fundamental Growth VIP
Fund
7%
5%
4%
8%
7%
7%
5%
7%
6%
5%
Guardian Mid Cap
Relative Value VIP Fund
6%
12%
5%
4%
6%
6%
6%
4%
6%
5%
4%
Guardian Mid Cap
Traditional Growth VIP
Fund
6%
4%
3%
6%
5%
5%
3%
5%
4%
3%
Guardian Multi-Sector
Bond VIP Fund
3%
6%
8%
3%
5%
5%
8%
5%
6%
8%
Guardian Small Cap
Value Diversified VIP
Fund
7%
7%
6%
2%
7%
7%
7%
2%
7%
6%
2%
Guardian Total Return
Bond VIP Fund
3%
4%
4%
8%
6%
9%
13%
Guardian
U.S. Government/Credit
VIP Fund
3%
7%
10%
3%
5%
5%
10%
B-1
 
Fund
Guaranteed Living Withdrawal Rider
6/1/12 - 4/1/15
5/1/15 - 7/31/15
8/1/15 - 2/17/17
Aggressive
80/20
Growth
70/30
Moderate
60/40
Conservative
40/60
Aggressive
80/20
Conservative
40/60F-G
Growth
70/30
Moderate
60/40
Growth
70/30
Moderate
60/40G
Conservative
40/60
MFS® Blended
Research® Core Equity
Portfolio (Service Class)
8%
7%
7%
3%
MFS® Technology
Portfolio (Service Class)
2%
2%
Victory Pioneer Bond
VCT Portfolio (Class II)
3%
5%
5%
9%
6%
9%
12%
Putnam VT Small Cap
Value Fund Class IB
2%
2%
2%
Guardian Core Fixed
Income VIP Fund
5%
9%
13%
3%
4%
4%
9%
Guardian Short Duration
Bond VIP Fund
3%
6%
9%
3%
4%
4%
9%
Guardian Strategic Large
Cap Core VIP Fund
5%
4%
3%
8%
7%
7%
4%
B-2
The prospectus and SAI dated May 1, 2026, are parts of the registration statement that we filed with the Securities and Exchange Commission (SEC). Both documents contain additional important information about the contract. The prospectus and SAI are incorporated herein by reference, which means they are legally a part of this Updating Summary Prospectus. For a free copy of the prospectus or SAI, or for general inquiries, call our Service Center at 1-800-830-4147 or write to our Service Center using the following address:
For private express mail with tracking number:
Talcott Resolution - Annuity Service Operations
Administrator for your Guardian Annuity Contract
c/o Cognizant, sub-administrator
6716 Grade Ln., Building 9, Suite 910
Louisville, KY 40213
For standard mail delivery without tracking number:
Talcott Resolution - Annuity Service Operations
Administrator for your Guardian Annuity Contract
c/o Cognizant, sub-administrator
P.O. Box 14293
Louisville, KY 40512-4293
The SEC maintains a website (http://www.sec.gov) that contains the registration statement, material incorporated by reference, and other information regarding companies that file electronically with the SEC. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].
Contract ID: C000114265
Guardian Separate Account R published this content on May 01, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on May 01, 2026 at 18:50 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]