Life only
Designed to provide income for one person's lifetime, generally with no remaining payments after death unless a feature says otherwise.
Guardian Life & Wealth
Retirement income
Compare annuity payout choices
Payout elections affect how long income lasts, whether payments continue for a survivor, and how much flexibility remains after income begins.
Payout designCompare annuity payout choices
Common payout structures
Joint life
Designed to continue income across two covered lives under contract-defined terms.
Period certain
Provides payments for at least a stated period, even if the annuitant dies during that period.
Systematic withdrawals
Some deferred contracts allow flexible withdrawals without formally annuitizing, subject to contract limits and tax rules.
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Educational content only. Insurance products, underwriting, premiums, contract provisions, exclusions, riders, availability, and guarantees vary by carrier, product, state, and applicant. Guarantees depend on the claims-paying ability of the issuing insurer.