# EDGAR Filing Document

**Accession Number:** 0001096266
**File Stem:** 0001193125-26-201622
**Filing Date:** 2026-5
**Character Count:** 11514
**Document Hash:** 1efbad3db08fb96d2dfab8f43785c24a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-201622.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001193125-26-201622

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GUARDIAN SEPARATE ACCT N OF THE GUARDIAN INS & ANNUITY CO
- **CENTRAL INDEX KEY:** 0001096266

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-188304
- **FILM NUMBER:** 26933397

**BUSINESS ADDRESS:**
- **STREET 1:** 10 HUDSON YARDS, 22 FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10001
- **BUSINESS PHONE:** (212) 598-7469

**MAIL ADDRESS:**
- **STREET 1:** 10 HUDSON YARDS, 22 FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10001

## Series and Classes Contracts Data

### GUARDIAN SEPARATE ACCT N OF THE GUARDIAN INS & ANNUITY CO (Series ID: S000008804)

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|  |  |
|:---|:---|
| Class Name                 | Class ID   |
| Flexible Solutions VUL III | C000129050 |

---

## Series and Classes Contracts Data

### GUARDIAN SEPARATE ACCT N OF THE GUARDIAN INS & ANNUITY CO (Series ID: S000008804)

| Class ID   | Class Name                 | Ticker Symbol   |
|:---|:---|:---|
| C000129050 | Flexible Solutions VUL III |  |

**PROSPECTUS SUPPLEMENT** 

**May 1, 2026** 

**For** 

**Flexible Solutions<sup>®</sup> VUL III** 

**Issued by** 

**THE GUARDIAN INSURANCE & ANNUITY COMPANY, INC. (GIAC)** 

The following supplemental information should be read in conjunction with the Prospectus dated May 1, 2019 and supplement dated May 1, 2020 for **Flexible Solutions<sup>®</sup> VUL III** issued through The Guardian Separate Account N.

The information below regarding your allocation options replaces the chart of variable investment options in your prospectus, as amended, in the section entitled "Your Allocation Options — The Variable Investment Options."

The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at: https://Guardianlife.onlineprospectus.net/Guardianlife/fs_vul-iii/?ctype=supplement. You can also request this information at no cost by calling the Customer Service Office Contact Center at 1-888- GUARDIAN (1-888-482-7342) or by sending an email request to MyCareRequest@guardianlife.com. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies.

The current expenses and performance information below reflects fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** |
| <br>&nbsp;&nbsp;&nbsp;**Type/Investment Objective** | <br>**Portfolio Company And**<br> **Adviser/SubAdviser** | <br>**Current**<br> **Expenses** | **1 Year<br>Average<br>Annual<br>Total<br>Return** | **5 Year<br>Average<br>Annual<br>Total<br>Return** | **10 Year<br>Average<br>Annual<br>Total<br>Return** |
| &nbsp;&nbsp;&nbsp;Long-term growth of capital. | Davis Financial Portfolio<br> Davis Selected Advisers, LP<br> Davis Selected Advisers- NY, Inc. | 0.75% | 29.12% | 18.15% | 12.94% |
| &nbsp;&nbsp;&nbsp;Total return through a combination of growth and income. | Davis Real Estate Portfolio<br> Davis Selected Advisers, LP<br> Davis Selected Advisers- NY, Inc. | 1.00% | -5.71% | 2.61% | 4.04% |
| &nbsp;&nbsp;&nbsp;Seeks reasonable income. The Fund will also consider the potential for capital appreciation. The Fund's goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500. | Fidelity VIP Equity-Income Portfolio (Service Class 2)<br> Fidelity Management & Research Company LLC<br> FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, Fidelity Management & Research (Japan) Limited | 0.71% | 18.75% | 12.23% | 11.32% |
| &nbsp;&nbsp;&nbsp;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)<sup>1</sup> Fidelity Management & Research Company LLC<br> FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, Fidelity Management & Research (Japan) Limited | 0.50% | 3.86% | 2.90% | 1.83% |

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<sup>1</sup> There is no assurance that this Portfolio Company 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.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** |
| <br>&nbsp;&nbsp;&nbsp;**Type/Investment Objective** | <br>**Portfolio Company And**<br> **Adviser/SubAdviser** | <br>**Current**<br> **Expenses** | **1 Year<br>Average<br>Annual<br>Total<br>Return** | **5 Year<br>Average<br>Annual<br>Total<br>Return** | **10 Year<br>Average<br>Annual<br>Total<br>Return** |
| &nbsp;&nbsp;&nbsp;Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500. | Fidelity VIP Index 500 Portfolio (Initial)<br> Fidelity Management & Research Company LLC<br> Geode Capital Management, LLC | 0.09% | 17.78% | 14.31% | 14.70% |
| &nbsp;&nbsp;&nbsp;The Fund seeks to provide capital appreciation and moderate current income while seeking to manage volatility. | Guardian Balanced Allocation VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Wellington Management Company LLP | 0.91% | 12.92% | N/A | N/A |
| &nbsp;&nbsp;&nbsp;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<br> Park Avenue Institutional Advisers LLC<br> FIAM LLC | 0.52% | 6.61% | N/A | N/A |
| &nbsp;&nbsp;&nbsp;The Fund seeks a high level of current income consistent with growth of capital. | Guardian Equity Income VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Wellington Management Company LLP | 0.55% | 14.76% | N/A | N/A |
| &nbsp;&nbsp;&nbsp;The Fund seeks capital appreciation. | Guardian Integrated Research VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Wellington Management Company LLP | 0.84% | 14.65% | 12.63% | N/A |
| &nbsp;&nbsp;&nbsp;The Fund seeks to maximize long-term growth. | Guardian Large Cap Disciplined Growth VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Wellington Management Company LLP | 0.87% | 16.99% | 12.01% | N/A |
| &nbsp;&nbsp;&nbsp;The Fund seeks long term growth of capital. | Guardian Select Mid Cap Core VIP Fund<br> Park Avenue Institutional Advisers LLC<br> FIAM LLC | 0.96% | 10.34% | N/A | N/A |
| &nbsp;&nbsp;&nbsp;The Fund seeks to preserve principal and meet liquidity needs while maximizing total return. | Guardian Short Duration Bond VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Allspring Global Investments, LLC | 0.45% | 5.35% | N/A | N/A |
| &nbsp;&nbsp;&nbsp;The Fund seeks capital appreciation. | Guardian Small Cap Value Diversified VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Boston Partners Global Investors, Inc. | 1.05% | 6.66% | 4.56% | N/A |

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&nbsp;&nbsp;&nbsp;&nbsp;**2** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** |
| <br>&nbsp;&nbsp;&nbsp;**Type/Investment Objective** | <br>**Portfolio Company And**<br> **Adviser/SubAdviser** | <br>**Current**<br> **Expenses** | **1 Year<br>Average<br>Annual<br>Total<br>Return** | **5 Year<br>Average<br>Annual<br>Total<br>Return** | **10 Year<br>Average<br>Annual<br>Total<br>Return** |
| &nbsp;&nbsp;&nbsp;The Fund seeks capital appreciation. | Guardian Small-Mid Cap Core VIP Fund<br> Park Avenue Institutional Advisers LLC<br> FIAM LLC | 1.02% | 1.56% | N/A | N/A |
| &nbsp;&nbsp;&nbsp;The Fund seeks capital appreciation. | Guardian Strategic Large Cap Core VIP Fund<br> Park Avenue Institutional Advisers LLC<br> AllianceBernstein L.P. | 0.92% | 11.76% | N/A | N/A |
| &nbsp;&nbsp;&nbsp;The Fund's investment objective is to seek capital growth. | Invesco V.I. American Franchise Fund (Series II)<br> Invesco Advisers, Inc. | 1.10% | 11.39% | 10.08% | 14.58% |
| &nbsp;&nbsp;&nbsp;The Fund's investment objectives are both capital appreciation and current income. | Invesco V.I. Equity and Income Fund (Series II)<br> Invesco Advisers, Inc. | 0.82% | 12.52% | 8.68% | 8.64% |
| &nbsp;&nbsp;&nbsp;Seeks long-term growth of capital. | Janus Henderson Research Portfolio (Service Shares)<br> Janus Henderson Investors US LLC | 1.07% | 18.10% | 13.83% | 15.59% |
| &nbsp;&nbsp;&nbsp;To seek to provide growth of capital. | Nomura VIP Mid Cap Growth Series Service Class formerly Macquarie VIP Mid Cap Growth Series Service Class<br> Delaware Management Company, a series of Macquarie Investment Management Business Trust (a Delaware statutory trust)<br> Macquarie Investment Management Global Limited | 0.85% | 1.18% | -0.08% | 10.66% |
| &nbsp;&nbsp;&nbsp;The Portfolio seeks maximum total return, consistent with preservation of capital and prudent investment management. | PIMCO Total Return Portfolio (Advisor Class)<br> PIMCO | 0.83% | 8.78% | -0.08% | 2.26% |
| &nbsp;&nbsp;&nbsp;Seeks capital appreciation. | Putnam VT Core Equity Fund (Class IB)<br> Franklin Advisers, Inc.<br> Franklin Templeton Investment Management Limited<br> Putnam Investments Limited (PIL) | 0.20% | 16.81% | 15.96% | 15.20% |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital growth. Under normal market conditions, the Fund invests at least 80% of its net assets in investments of issuers located outside the U.S., including those in developing markets. | Templeton Foreign VIP Fund (Class 2 Shares)<br> Templeton Investment Counsel, LLC | 1.08% | 29.19% | 8.25% | 5.75% |

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**3** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** |
| <br>&nbsp;&nbsp;&nbsp;**Type/Investment Objective** | <br>**Portfolio Company And**<br> **Adviser/SubAdviser** | <br>**Current**<br> **Expenses** | **1 Year<br>Average<br>Annual<br>Total<br>Return** | **5 Year<br>Average<br>Annual<br>Total<br>Return** | **10 Year<br>Average<br>Annual<br>Total<br>Return** |
| &nbsp;&nbsp;&nbsp;Current income and long-term growth of capital. | Victory Pioneer Equity Income VCT Portfolio (Class II)<br> Victory Capital Management Inc. | 1.04% | 11.13% | 8.81% | 9.11% |

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

**THIS PROSPECTUS SUPPLEMENT SHOULD BE RETAINED FOR FUTURE REFERENCE.** 

&nbsp;&nbsp;&nbsp;&nbsp;**4**