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VA offers growth, withdrawals

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Asset growth and guaranteed withdrawals. Retirees, pre-retirees and their advisors are always on the lookout for both, seeking that balance that will fund a long and happy retirement. The Guardian Insurance & Annuity Co. introduced an annuity rider it says will accomplish both.

Available on the company’s variable annuities, the optional Lifetime Focus rider offers the potential for quarterly step-ups, a 5 percent minimum guarantee roll-up if no withdrawals are made in a contract year, and investment models – for those interested in some risk – that allow greater equity market participation.

Available in a single-life and spousal version, the rider’s investment models include two with an 80 percent equity/20 percent fixed income allocation, and two with a 60 percent equity/40 percent fixed income mix.

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