Guardian Expands MarketPerform RILA with New Crediting Strategies

Guardian Life Insurance has expanded its registered index-linked annuity product, Guardian MarketPerform, by adding two new Crediting Strategies: Step-Up Trigger Rate and Cap with Participation and Spread. This enhancement increases the options available to clients to three total Crediting Strategies, providing broader flexibility and potential for growth without charging additional fees. Notably, Guardian MarketPerform was among the first to offer Cap Rate and Participation with Spread as crediting options, enhancing growth opportunities while maintaining cost-effectiveness. The Step-Up Trigger Rate strategy introduces increased predictability in returns, appealing to clients seeking stability alongside growth. This follows other 2025 product improvements including market availability in New York State and the inclusion of Nasdaq-100 three- and six-year term options across approved states. These strategic updates position Guardian MarketPerform to better meet client demand in a competitive retirement savings market. According to Guardian's research, a significant portion of Americans recognize they have underprepared financially for retirement, with 73% acknowledging insufficient savings and 69% regretting not saving earlier. Registered index-linked annuities like Guardian MarketPerform offer a distinctive combination of growth potential coupled with downside market protection, making them attractive for individuals approaching retirement or those seeking to mitigate equity investment risks. Guardian reports nearly tripled sales of MarketPerform since its 2024 launch, reflecting rising consumer interest in retirement products that balance security with growth. The company continues to innovate its retirement solutions suite in response to market needs and client feedback. This expansion in product features underscores the evolving landscape of annuity products amid complex economic conditions and heightened awareness of financial security in retirement. This information is relevant for insurance professionals monitoring product developments and innovations in retirement financial instruments. Guardian’s enhancements to MarketPerform highlight trends toward increased customization and choice in annuity offerings, catering to a diverse retirement planning clientele. The company's emphasis on no-fee crediting strategies and predictable options aligns with regulatory and market demands for transparency and client-oriented solutions.