# EDGAR Filing Document

**Accession Number:** 0001266055
**File Stem:** 0001193125-26-201118
**Filing Date:** 2026-5
**Character Count:** 40272
**Document Hash:** 5a7f83e71ce53eecaadb24da5d693536
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-201118.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001193125-26-201118

**CONFORMED SUBMISSION TYPE**: 497VPU

**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 ACCOUNT R
- **CENTRAL INDEX KEY:** 0001266055

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

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-179997
- **FILM NUMBER:** 26931702

**BUSINESS ADDRESS:**
- **STREET 1:** 10 HUDSON YARDS, 22 FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10001
- **BUSINESS PHONE:** 212-598-8714

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

## Series and Classes Contracts Data

### GUARDIAN SEPARATE ACCOUNT R (Series ID: S000008800)

| Class ID   | Class Name                            | Ticker Symbol   |
|:---|:---|:---|
| C000114265 | Guardian Investor II Variable Annuity |  |

**UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS**

*May 1, 2026*

**GUARDIAN INVESTOR II**<sup>SM</sup> **VARIABLE ANNUITY**

*Issued by The Guardian Insurance & Annuity Company, Inc.* <br>Separate Account R

The prospectus for the Guardian Investor II<sup>SM</sup> 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.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [SPECIAL TERMS USED IN THIS PROSPECTUS](#xx_b5ba7b2b-c0fb-4577-b3fb-f9b62811d1f3_1) | 1  |
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_b5ba7b2b-c0fb-4577-b3fb-f9b62811d1f3_2) | 2  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_cb233304-f21e-4335-b534-feb 20d3f864b_1) | 3  |
| [APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_3523879f-1882-4f8b-a352-4cca0703d0e7_1) | A-1  |
| [APPENDIX B: INVESTMENT OPTIONS AVAILABLE UNDER THE GLWB RIDER](#xx_1ee1e81f-aec1-48cc-88c7-8baa6796a3b2_1) | B-1 |

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**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.

<sup>1</sup>

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**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:** <br>**For private express mail with tracking number:** <br>Talcott Resolution - Annuity Service Operations <br>Administrator for your Guardian Annuity Contract <br>c/o Cognizant, sub-administrator <br>6716 Grade Ln., Building 9, Suite 910 <br>Louisville, KY 40213.

**For standard mail delivery without tracking number:** <br>Talcott Resolution - Annuity Service Operations <br>Administrator for your Guardian Annuity Contract <br>c/o Cognizant, sub-administrator <br>P.O. Box 14293 <br>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.

<sup>2</sup>

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**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.

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| | | |
|:---|:---|:---|
| **Fees, Expenses and Adjustments** | **Fees, Expenses and Adjustments** | **Location in** <br> **Prospectus**<br>|
| &nbsp;&nbsp; **Are There** <br> **Charges or** <br> **Adjustments** <br> **for Early** <br> **Withdrawals?**<br>| **Yes.**<br> B Series: If you withdraw money during the first 7 years following your last <br> premium payment, you may be assessed a surrender charge of up to 8% of the <br> premium withdrawn, declining to 0% over that time period. Surrender charges <br> will reduce the value of your contract if you withdraw money during that time.<br> For example, if you make an early withdrawal, you could pay a surrender <br> charge of up to $8,000 on a $100,000 investment. This loss will be greater if <br> there are taxes or tax penalties.<br> L Series: If you withdraw money during the first 4 years following your last <br> premium payment, you may be assessed a surrender charge of up to 8% of the <br> premium withdrawn, declining to 0% over that time period. Surrender charges <br> will reduce the value of your contract if you withdraw money during that time.<br> For example, if you make an early withdrawal, you could pay a surrender <br> charge of up to $8,000 on a $100,000 investment. This loss will be greater if <br> there are taxes or tax penalties.<br>| Financial <br> Information – <br> Contract Costs <br> and Expenses<br> Expense tables <br> – Transaction <br> expenses<br>|

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Are There** <br> **Transaction** <br> **Charges?**<br>| **Yes**<br> In addition to surrender charges, you also may be charged for the following <br> transactions: transfers of cash value between investment options. | Financial <br> Information – <br> Contract Costs <br> and Expenses<br> Expense tables <br> – Transaction <br> expenses<br>|

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Are There** <br> **Ongoing Fees** <br> **and** <br> **Expenses?** | **Yes**<br> The table below describes the fees and expenses that you may pay *each year*, <br> depending on the investment options and optional benefits you choose. Please <br> refer to your contract specifications page for information about the specific fees <br> you will pay each year based on the options you have elected. | **Yes**<br> The table below describes the fees and expenses that you may pay *each year*, <br> depending on the investment options and optional benefits you choose. Please <br> refer to your contract specifications page for information about the specific fees <br> you will pay each year based on the options you have elected. | **Yes**<br> The table below describes the fees and expenses that you may pay *each year*, <br> depending on the investment options and optional benefits you choose. Please <br> refer to your contract specifications page for information about the specific fees <br> you will pay each year based on the options you have elected. | Financial <br> Information – <br> Contract Costs <br> and Expenses<br> Expense tables <br> – Transaction <br> expenses |
| &nbsp;&nbsp; **Are There** <br> **Ongoing Fees** <br> **and** <br> **Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | Financial <br> Information – <br> Contract Costs <br> and Expenses<br> Expense tables <br> – Transaction <br> expenses |
| &nbsp;&nbsp; **Are There** <br> **Ongoing Fees** <br> **and** <br> **Expenses?** | Base Contract (Varies by Contract Class)<sup>1</sup>  | 1.40% | 1.75% | Financial <br> Information – <br> Contract Costs <br> and Expenses<br> Expense tables <br> – Transaction <br> expenses |
| &nbsp;&nbsp; **Are There** <br> **Ongoing Fees** <br> **and** <br> **Expenses?** | Investment Fund options<br> (portfolio company fees and expenses)<sup>2</sup>  | 0.50% | 1.39% | Financial <br> Information – <br> Contract Costs <br> and Expenses<br> Expense tables <br> – Transaction <br> expenses |
| &nbsp;&nbsp; **Are There** <br> **Ongoing Fees** <br> **and** <br> **Expenses?** | Optional benefits available for an additional <br> benefits charge (for a single optional benefit if <br> elected)<sup>3</sup>  | 0.25% | 3.50% | Financial <br> Information – <br> Contract Costs <br> and Expenses<br> Expense tables <br> – Transaction <br> expenses |
| &nbsp;&nbsp; **Are There** <br> **Ongoing Fees** <br> **and** <br> **Expenses?** | &nbsp;&nbsp; <sup>1</sup> As a percentage of value in the Separate Account. The Minimum fee is the <br> B Series Contract and the Maximum fee is associated with the L Series <br> Contract.<br><sup>2</sup> As a percentage of Fund net assets.<br> <sup>3</sup> The minimum fee shown is calculated as a percentage of the value in the <br> Separate Account; the maximum fee shown is calculated as a percentage of <br> the GWB adjustment, which is a value used to calculate your benefit.<br> Because your contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> contract, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that you do <br> not take withdrawals from the contract, **which could add surrender** <br> **charges that substantially increase costs.** | &nbsp;&nbsp; <sup>1</sup> As a percentage of value in the Separate Account. The Minimum fee is the <br> B Series Contract and the Maximum fee is associated with the L Series <br> Contract.<br><sup>2</sup> As a percentage of Fund net assets.<br> <sup>3</sup> The minimum fee shown is calculated as a percentage of the value in the <br> Separate Account; the maximum fee shown is calculated as a percentage of <br> the GWB adjustment, which is a value used to calculate your benefit.<br> Because your contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> contract, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that you do <br> not take withdrawals from the contract, **which could add surrender** <br> **charges that substantially increase costs.** | &nbsp;&nbsp; <sup>1</sup> As a percentage of value in the Separate Account. The Minimum fee is the <br> B Series Contract and the Maximum fee is associated with the L Series <br> Contract.<br><sup>2</sup> As a percentage of Fund net assets.<br> <sup>3</sup> The minimum fee shown is calculated as a percentage of the value in the <br> Separate Account; the maximum fee shown is calculated as a percentage of <br> the GWB adjustment, which is a value used to calculate your benefit.<br> Because your contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your <br> contract, the following table shows the lowest and highest cost you could <br> pay *each year*, based on current charges. This estimate assumes that you do <br> not take withdrawals from the contract, **which could add surrender** <br> **charges that substantially increase costs.** | Financial <br> Information – <br> Contract Costs <br> and Expenses<br> Expense tables <br> – Transaction <br> expenses |

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| | |
|:---|:---|
| **Lowest Annual Cost**<br> **$2,319**<br>| **Highest Annual Cost**<br> **$8,360** |
| &nbsp;&nbsp;&nbsp;&nbsp; Assumes:<br> ●Investment of $100,000<br> ●5% annual appreciation<br> ●Least expensive combination <br> of contract class, and fund <br> fees and expenses<br> ●No optional benefits<br> ●No sales charges<br> ●No additional purchase <br> payments, transfers, or <br> withdrawals<br>| &nbsp;&nbsp;&nbsp;&nbsp; Assumes:<br> ●Investment of $100,000<br> ●5% annual appreciation<br> ●Most expensive combination of <br> contract class, optional benefits and <br> fund fees and expenses<br> ●No sales charges<br> ●No additional purchase payments, <br> transfers, or withdrawals |

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| | | |
|:---|:---|:---|
| **Risks** | **Risks** | **Location in** <br> **Prospectus**<br>|
| &nbsp;&nbsp; **Is There a** <br> **Risk of** <br> **Loss from** <br> **Poor** <br> **Performance?**<br>| **Yes.**<br> You can lose money by investing in this contract including loss of principal.<br>| Principal <br> Risks<br>|
| &nbsp;&nbsp; **Is this a** <br> **Short-Term** <br> **Investment?**<br>| **No.**<br> This contract is not a short-term investment and is not appropriate for an <br> investor who needs ready access to cash.<br> Amounts withdrawn from the contract may result in surrender charges, taxes <br> and tax penalties. Surrender charges may apply for the first 7 years<br>| Principal <br> Risks<br>|

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<sup>4</sup>

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following your last premium payment for the B Series and first
four yearsfollowing your last premium payment for the L
Series. Surrender chargeswill reduce the value of your
contract if you withdraw money during thattime.The benefits of tax deferral and living benefit protection also mean
thecontract is more beneficial to investors with a long
time horizon. 

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| | | |
|:---|:---|:---|
| **Restrictions** | **Restrictions** | **Location in** <br> **Prospectus**<br>|
| &nbsp;&nbsp; **Are There** <br> **Restrictions** <br> **on the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Yes.**<br> ●We reserve the right to impose a charge for transfers among investment <br> options in excess of 12 per contract year.<br> ●We reserve the right to limit the frequency of transfers to not more than <br> once every 30 days.<br> ●We may limit transfers based on frequent trading activity.<br> ●We reserve the right to remove or substitute the Variable Investment <br> Options that are available as investment options under the contract.<br> ●We reserve the right to discontinue the fixed-rate option at any time.<br> ●The fixed-rate option may not be available in your state.<br> ●There are limitations on the number and amount of transfers into and <br> out of the fixed-rate option.<br> ●We reserve the right to suspend, discontinue or otherwise restrict the <br> availability of the fixed-rate option for additional premium payments <br> and/or transfers.<br> ●You may choose to invest in a maximum of 25 of the 34 Variable <br> Investment Options or 24 of the Variable Investment Options and the <br> fixed-rate option, if available, at any time.<br> ●During the annuity period, if you have a variable annuity payout option <br> your transfers among the Variable Investment Options are limited to <br> once each month.<br> ●The availability of investment options, contract benefits, or other<br>| &nbsp;&nbsp;&nbsp; The <br> Accumulation <br> Period<br> **-** Transfers<br>**-** Variable <br> investment <br> options<br>**-** Fixed-rate <br> option<br> Other <br> Information - <br> Distribution <br> of Contract<br>|

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<sup>5</sup>

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contract features described in this prospectus may vary depending onthe broker-dealer through which the contract is
sold. 

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|:---|:---|
| **Taxes** | **Location in** <br> **Prospectus**<br>|
| &nbsp;&nbsp; **What Are the** <br> **Contract's** <br> **Tax** <br> **Implications?**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ●You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under this <br> contract.<br> ●If you purchase the contract through a tax-qualified plan or individual <br> retirement account, you do not get any additional tax deferral.<br> ●You will generally not be taxed on increases in the value of the contract <br> until they are withdrawn. Withdrawals will be subject to ordinary income <br> tax, and may be subject to tax penalties if you take a withdrawal before <br> age 59 <sup>1</sup>∕2.<br>| Financial <br> Information – <br> Federal tax <br> matters<br>|

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|:---|:---|:---|
| **Conflicts of Interest** | **Conflicts of Interest** | **Location in** <br> **Prospectus**<br>|
| &nbsp;&nbsp; **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| Your investment professional may receive compensation for selling this <br> contract to you, in the form of commissions, additional cash benefits (*e.g.*, <br> bonuses), and non-cash compensation. This conflict of interest may influence <br> your investment professional to recommend this contract over another <br> investment for which the investment professional is not compensated or <br> compensated less.<br>| Your rights and <br> responsibilities <br> – Distribution <br> of the contract<br>|
| &nbsp;&nbsp; **Should I** <br> **Exchange My** <br> **Contract?**<br>| If you already own an insurance contract, some investment professionals may <br> have a financial incentive to offer you a new contract in place of the one you <br> own. You should only exchange a contract you already own if you determine,<br>| Buying a <br> contract – Tax <br> Free <br>|

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|:---|:---|
| **Conflicts of Interest** | **Location in** <br> **Prospectus**<br>|
| after comparing the features, fees, and risks of both contracts, and any fees or <br> penalties to terminate your existing contract, that it is better for you to purchase <br> the new contract rather than continue to own your existing contract.<br>| "Section 1035" <br> Exchanges<br>|

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<sup>7</sup>

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**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.

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|:---|:---|:---|:---|:---|:---|
|  |  |  | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** |
| **Type/Investment Objective** | **Portfolio Company And**<br> **Adviser/SubAdviser**<br>| **Current** <br> **Expenses**<br>| **1 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>| **5 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>| **10 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>|
| Maximize total return consistent with <br> the Adviser's determination of <br> reasonable risk.<br>| AB VPS Dynamic Asset Allocation Portfolio <br> (Class B)<br> AllianceBernstein, L.P.<br>| 1.10% | 13.21% | 4.74% | 5.25% |
| Seeks high total investment return. | BlackRock Global Allocation V.I. Fund (Class III)<br> BlackRock Advisors, LLC<br>| 0.99% | 19.42% | 5.51% | 7.33% |
| Seeks as high a level of current <br> income as is consistent with <br> preservation of capital and liquidity.<br>| Fidelity VIP Government Money Market Portfolio <br> (Service Class 2)<sup>1</sup> <br>Fidelity Management & Research Company LLC<br> FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) <br> Limited, Fidelity Management & Research (Japan) <br> Limited<br>| 0.50% | 3.86% | 2.90% | 1.83% |
| The Fund seeks to provide a high level <br> of current income and capital <br> appreciation without undue risk to <br> principal.<br>| Guardian Core Fixed Income VIP Fund<br> Park Avenue Institutional Advisers LLC<br> FIAM LLC<br>| 0.52% | 6.61% | N/A | N/A |
| The Fund seeks income and capital <br> appreciation to produce a high total <br> return.<br>| Guardian Core Plus Fixed Income VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Lord, Abbett & Co. LLC<br>| 0.82% | 7.07% | -0.12% | N/A |
| The Fund seeks capital appreciation. | Guardian Diversified Research VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Putnam Investment Management, LLC<br>| 0.95% | 18.06% | 14.36% | N/A |
| The Fund seeks a high level of current <br> income consistent with growth of <br> capital.<br>| Guardian Equity Income VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Wellington Management Company LLP<br>| 0.55% | 14.76% | N/A | N/A |
| The Fund seeks total return. | Guardian Global Utilities VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Wellington Management Company LLP<br>| 1.09% | 26.93% | 11.72% | N/A |
| The Fund seeks long-term growth of <br> capital.<br>| Guardian Growth & Income VIP Fund<br> Park Avenue Institutional Advisers LLC<br> AllianceBernstein L.P.<br>| 0.97% | 10.13% | 10.63% | N/A |
| The Fund seeks capital appreciation. | Guardian Integrated Research VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Wellington Management Company LLP<br>| 0.84% | 14.65% | 12.63% | N/A |
| The Fund seeks long-term capital <br> appreciation.<br>| Guardian International Equity VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Schroder Investment Management North <br> America Inc. ("SIMNA")<br> Schroder Investment Management North America <br> Limited ("SIMNA Ltd.")<br>| 1.14% | 27.11% | 5.79% | N/A |

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|:---|:---|:---|:---|:---|:---|
|  |  |  | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** |
| **Type/Investment Objective** | **Portfolio Company And**<br> **Adviser/SubAdviser**<br>| **Current** <br> **Expenses**<br>| **1 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>| **5 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>| **10 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>|
| The Fund seeks total return consisting <br> of long-term capital growth and <br> current income.<br>| Guardian International Growth VIP Fund<br> Park Avenue Institutional Advisers LLC<br> J.P. Morgan Investment Management Inc.<br>| 1.15% | 17.97% | 2.78% | N/A |
| The Fund seeks to maximize long-term <br> growth.<br>| Guardian Large Cap Disciplined Growth VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Wellington Management Company LLP<br>| 0.87% | 16.99% | 12.01% | N/A |
| The Fund seeks to provide long-term <br> growth of capital primarily through <br> investment in equity securities. Current <br> income is a secondary objective.<br>| Guardian Large Cap Disciplined Value VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Boston Partners Global Investors, Inc. <br>| 0.97% | 17.15% | 13.66% | N/A |
| The Fund seeks long-term growth of <br> capital.<br>| Guardian Large Cap Fundamental Growth VIP <br> Fund<br> Park Avenue Institutional Advisers LLC<br> FIAM LLC<br>| 0.98% | 15.32% | 12.14% | N/A |
| The Fund seeks long-term capital <br> appreciation.<br>| Guardian Mid Cap Relative Value VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Allspring Global Investments, LLC<br>| 1.09% | 5.61% | 9.55% | N/A |
| The Fund seeks long-term growth of <br> capital.<br>| Guardian Mid Cap Traditional Growth VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Janus Henderson Investors US LLC<br>| 1.08% | 8.14% | 6.98% | N/A |
| The Fund seeks to provide a high <br> current income with a secondary <br> objective of capital appreciation.<br>| Guardian Multi-Sector Bond VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Janus Henderson Investors US LLC<br>| 0.96% | 8.46% | -0.66% | N/A |
| The Fund seeks to preserve principal <br> and meet liquidity needs while <br> maximizing total return.<br>| Guardian Short Duration Bond VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Allspring Global Investments, LLC<br>| 0.45% | 5.35% | N/A | N/A |
| The Fund seeks capital appreciation. | Guardian Small Cap Value Diversified VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Boston Partners Global Investors, Inc.<br>| 1.05% | 6.66% | 4.56% | N/A |
| The Fund seeks capital appreciation. | Guardian Small-Mid Cap Core VIP Fund<br> Park Avenue Institutional Advisers LLC<br> FIAM LLC<br>| 1.02% | 1.56% | N/A | N/A |
| The Fund seeks capital appreciation. | Guardian Strategic Large Cap Core VIP Fund<br> Park Avenue Institutional Advisers LLC<br> AllianceBernstein L.P.<br>| 0.92% | 11.76% | N/A | N/A |
| The Fund seeks total return with an <br> emphasis on high current income as <br> well as capital appreciation.<br>| Guardian Total Return Bond VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Massachusetts Financial Services Company<br>| 0.81% | 6.87% | -0.82% | N/A |
| The Fund seeks total return with an <br> emphasis on current income as well as <br> capital appreciation.<br>| Guardian U.S. Government/Credit VIP Fund<br> Park Avenue Institutional Advisers LLC<br> Lord, Abbett & Co. LLC<br>| 0.74% | 6.72% | 0.21% | N/A |
| Seeks capital appreciation. | MFS<sup>®</sup> Blended Research<sup>®</sup> Core Equity Portfolio <br> (Service Class)<br> Massachusetts Financial Services Company<br>| 0.55% | 15.82% | 15.01% | 13.59% |
| Seeks capital appreciation. | MFS® Technology Portfolio (Service Class)<br> Massachusetts Financial Services Company<br>| 1.07% | 16.28% | 12.17% | 18.35% |
| Seeks capital appreciation. Under <br> normal circumstances, the fund invests <br> at least 80% of its net assets in <br> companies of a size similar to those in <br> the Russell 2000 Value Index.<br>| Putnam VT Small Cap Value Fund (Class IB)<br> Franklin Advisers, Inc.<br> Franklin Templeton Investment Management <br> Limited<br> Putnam Investments Limited (PIL)<br>| 0.20% | 5.27% | 10.99% | 9.13% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  |  |  | **As of December 31, 2025** | **As of December 31, 2025** | **As of December 31, 2025** |
| **Type/Investment Objective** | **Portfolio Company And**<br> **Adviser/SubAdviser**<br>| **Current** <br> **Expenses**<br>| **1 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>| **5 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>| **10 Year**<br> **Average**<br> **Annual**<br> **Total**<br> **Return**<br>|
| Seeks current income with capital <br> appreciation and growth of income. <br> Under normal market conditions, the <br> fund invests at least 80% of its net <br> assets in debt securities of any <br> maturity.<br>| Templeton Global Bond VIP Fund (Class 2 <br> Shares)<br> Franklin Advisers, Inc.<br>| 0.75% | 15.73% | -0.96% | -0.15% |
| Current income and total return. | Victory Pioneer Bond VCT Portfolio (Class II) <br> formerly Pioneer Bond VCT Portfolio (Class II)<br> Victory Capital Management Inc.<br>| 1.12% | 8.87% | 0.51% | 2.59% |

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<sup>1</sup>

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.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| Fixed-rate option | 1 year | 1% |

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The fixed-rate option is not available while the Earnings Benefit Rider is in effect.

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**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.

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Fund** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** |
| **Fund** | **6/1/12 – 4/1/15** | **6/1/12 – 4/1/15** | **6/1/12 – 4/1/15** | **6/1/12 – 4/1/15** | **5/1/15 – 7/31/15** | **5/1/15 – 7/31/15** | **5/1/15 – 7/31/15** | **5/1/15 – 7/31/15** | **8/1/15 – 2/17/17** | **8/1/15 – 2/17/17** | **8/1/15 – 2/17/17** |
| **Fund** | **Aggressive**<br> **80/20**<br>| **Growth**<br> **70/30**<br>| **Moderate**<br> **60/40**<br>| **Conservative**<br> **40/60**<br>| **Aggressive**<br> **80/20**<br>| **Conservative**<br> **40/60F-G**<br>| **Growth**<br> **70/30**<br>| **Moderate**<br> **60/40**<br>| **Growth**<br> **70/30**<br>| **Moderate**<br> **60/40G**<br>| **Conservative**<br> **40/60**<br>|
| Guardian Small-Mid Cap <br> Core VIP Fund<br>| 2% |  | 2% | 2% | 2% | 2% | 2% | 2% |  |  |  |
| Guardian Core Plus <br> Fixed Income VIP Fund<br>| 6% | 30% | 12% | 20% | 2% | 3% | 3% | 7% | 13% | 16% | 27% |
| Guardian Diversified <br> Research VIP Fund<br>|  | 20% |  |  |  |  |  |  | 7% | 7% | 4% |
| Guardian Global Utilities <br> VIP Fund<br>| 2% |  | 2% |  |  |  |  |  |  |  |  |
| Guardian Growth & <br> Income VIP Fund<br>|  | 22% |  |  |  |  |  |  | 6% | 5% | 4% |
| Guardian Integrated <br> Research VIP Fund<br>| 12% |  | 8% | 6% | 7% | 6% | 6% | 4% | 7% | 6% | 3% |
| Guardian International <br> Growth VIP Fund<br>| 11% | 9% | 7% | 5% | 11% | 9% | 9% | 5% | 2% | 2% |  |
| Guardian International <br> Equity VIP Fund<br>|  |  |  |  |  |  |  |  | 7% | 5% | 5% |
| Guardian Large Cap <br> Disciplined Growth VIP <br> Fund<br>| 10% |  | 7% | 5% | 7% | 5% | 5% | 2% | 5% | 4% | 2% |
| Guardian Large Cap <br> Disciplined Value VIP <br> Fund<br>| 10% |  | 8% | 6% | 10% | 9% | 9% | 6% | 9% | 8% | 6% |
| Guardian Large Cap <br> Fundamental Growth VIP <br> Fund<br>| 7% |  | 5% | 4% | 8% | 7% | 7% | 5% | 7% | 6% | 5% |
| Guardian Mid Cap <br> Relative Value VIP Fund<br>| 6% | 12% | 5% | 4% | 6% | 6% | 6% | 4% | 6% | 5% | 4% |
| Guardian Mid Cap <br> Traditional Growth VIP <br> Fund<br>| 6% |  | 4% | 3% | 6% | 5% | 5% | 3% | 5% | 4% | 3% |
| Guardian Multi-Sector <br> Bond VIP Fund<br>| 3% |  | 6% | 8% | 3% | 5% | 5% | 8% | 5% | 6% | 8% |
| Guardian Small Cap <br> Value Diversified VIP <br> Fund<br>| 7% | 7% | 6% | 2% | 7% | 7% | 7% | 2% | 7% | 6% | 2% |
| Guardian Total Return <br> Bond VIP Fund<br>|  |  |  |  | 3% | 4% | 4% | 8% | 6% | 9% | 13% |
| Guardian <br> U.S. Government/Credit <br> VIP Fund<br>| 3% |  | 7% | 10% | 3% | 5% | 5% | 10% |  |  |  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Fund** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** | **Guaranteed Living Withdrawal Rider** |
| **Fund** | **6/1/12 – 4/1/15** | **6/1/12 – 4/1/15** | **6/1/12 – 4/1/15** | **6/1/12 – 4/1/15** | **5/1/15 – 7/31/15** | **5/1/15 – 7/31/15** | **5/1/15 – 7/31/15** | **5/1/15 – 7/31/15** | **8/1/15 – 2/17/17** | **8/1/15 – 2/17/17** | **8/1/15 – 2/17/17** |
| **Fund** | **Aggressive**<br> **80/20**<br>| **Growth**<br> **70/30**<br>| **Moderate**<br> **60/40**<br>| **Conservative**<br> **40/60**<br>| **Aggressive**<br> **80/20**<br>| **Conservative**<br> **40/60F-G**<br>| **Growth**<br> **70/30**<br>| **Moderate**<br> **60/40**<br>| **Growth**<br> **70/30**<br>| **Moderate**<br> **60/40G**<br>| **Conservative**<br> **40/60**<br>|
| MFS® Blended <br> Research® Core Equity <br> Portfolio (Service Class)<br>|  |  |  |  | 8% | 7% | 7% | 3% |  |  |  |
| MFS® Technology <br> Portfolio (Service Class)<br>| 2% |  | 2% |  |  |  |  |  |  |  |  |
| Victory Pioneer Bond <br> VCT Portfolio (Class II)<br>|  |  |  |  | 3% | 5% | 5% | 9% | 6% | 9% | 12% |
| Putnam VT Small Cap <br> Value Fund Class IB<br>|  |  |  |  |  |  |  |  | 2% | 2% | 2% |
| Guardian Core Fixed <br> Income VIP Fund<br>| 5% |  | 9% | 13% | 3% | 4% | 4% | 9% |  |  |  |
| Guardian Short Duration <br> Bond VIP Fund<br>| 3% |  | 6% | 9% | 3% | 4% | 4% | 9% |  |  |  |
| Guardian Strategic Large <br> Cap Core VIP Fund<br>| 5% |  | 4% | 3% | 8% | 7% | 7% | 4% |  |  |  |

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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:** <br>Talcott Resolution - Annuity Service Operations <br>Administrator for your Guardian Annuity Contract <br>c/o Cognizant, sub-administrator <br>6716 Grade Ln., Building 9, Suite 910 <br>Louisville, KY 40213

**For standard mail delivery without tracking number:** <br>Talcott Resolution - Annuity Service Operations <br>Administrator for your Guardian Annuity Contract <br>c/o Cognizant, sub-administrator <br>P.O. Box 14293 <br>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: publicinfo@sec.gov.

**Contract ID: C000114265**

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