# EDGAR Filing Document

**Accession Number:** 0001115936
**File Stem:** 0001193125-26-201260
**Filing Date:** 2026-5
**Character Count:** 31241
**Document Hash:** 762beee78a4aa1d0a1f522c52f6cd08e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-201260.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001193125-26-201260

**CONFORMED SUBMISSION TYPE**: N-VP

**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 F OF THE GUARDIAN INS & ANNUITY CO
- **CENTRAL INDEX KEY:** 0001115936

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-38292
- **FILM NUMBER:** 26932041

**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:** GUARDIAN INS & ANNUITY CO INC
- **STREET 2:** 10 HUDSON YARDS, 22 FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10001

## Series and Classes Contracts Data

### GUARDIAN SEPARATE ACCT F OF THE GUARDIAN INS & ANNUITY CO (Series ID: S000008798)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000023935 | Guardian C+C |  |

**ANNUAL NOTICE** 

*May 1, 2026* 

## THE GUARDIAN C+C VARIABLE ANNUITY
*Issued by The Guardian Insurance & Annuity Company, Inc.* 

Separate Account F

This Annual Notice for the Guardian C+C Variable Annuity, an individual flexible premium deferred variable annuity contract offered by The Guardian Insurance & Annuity Company, Inc. (GIAC, we, us, our), provides you with an update of changes to your contract that have occurred since April 25, 2025. In addition, this Annual Notice provides key information about your contract that you should review, including a current list of Funds available under your contract. Please read this Annual Notice carefully and retain it with your contract prospectus for future reference.

The most recent prospectus for the Guardian C+C Variable Annuity dated May 1, 2007, contains more information about the contract, including its features, benefits, and risks. You can find the prospectuses for the underlying mutual funds, the most recent audited financial statements of Separate Account F, and other information about the contract online at: https://Guardianlife.onlineprospectus.net/Guardianlife/c_c/?ctype=great_wested_notice. You can also obtain this information at no cost by calling 1-800-830-4147.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at <u>Investor.gov.</u>

**The Securities and Exchange Commission has not approved or disapproved the contract or passed upon the adequacy of this Annual Notice. Any representation to the contrary is a criminal offense.** 

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**<u>**TABLE OF CONTENTS**</u>** 

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| | |
|:---|:---|
|  **[Special Terms Used in This Annual Notice](#protoc923703_1)** | 1 |
|  **[Updated Information About Your Contract](#protoc923703_2)** | 1 |
|  **[Important Information You Should Consider About the Contract](#protoc923703_3)** | 2 |
|  **[Appendix A – Investment Options Available Under the Contract](#protoc923703_4)** | 5 |
|  **[Appendix B – Investment Option Restrictions](#protoc923703_5)** | 8 |

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**<u>Special Terms Used in This Annual Notice</u>**

**Accumulation Period** 

The period between the issue date of the contract and the Annuity Commencement Date.

**Accumulation Value** 

The value of all the accumulation units in the Variable Investment Options and the fixed-rate option that are credited to a contract.

**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.

**Funds** 

The open-end management investment companies, each corresponding to a variable investment option.

**Mailing Address** 

**For private express mail with tracking number:** 

Talcott Resolution – Annuity Service Operations

Administrator for your Guardian Annuity Contract

c/o Cognizant, sub-administrator

6716 Grade Ln., Building 9, Suite 910

Louisville, KY 40213

**For standard mail delivery without tracking number:** 

Talcott Resolution – Annuity Service Operations

Administrator for your Guardian Annuity Contract

c/o Cognizant, sub-administrator

P.O. Box 14293

Lexington, 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.

**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.

**<u>Updated Information About Your Contract</u>**

The information in this Annual Notice is a summary of certain contract features that have changed since 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, Expenses and Adjustments table and Appendix A that are contained in this Annual Notice.

**1**

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**<u>Important Information You Should Consider About The Contract</u>**

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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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Fees, Expenses, and Adjustments** | &nbsp;&nbsp;&nbsp;**Fees, Expenses, and Adjustments** | &nbsp;&nbsp;&nbsp;**Fees, Expenses, and Adjustments** | &nbsp;&nbsp;&nbsp;**Fees, Expenses, and Adjustments** | &nbsp;&nbsp;&nbsp;**Fees, Expenses, and Adjustments** |
| &nbsp;&nbsp;&nbsp;**Are There Charges or Adjustments for Early Withdrawals?** | **Yes.** <br>If you withdraw money from the contract during the first 4 years following your last premium payment, you may be assessed a surrender charge of up to 3% of the premium withdrawn, declining to 0% over that time period.<br>For example, if you make an early withdrawal, you could pay a surrender charge of up to $3,000 on a $100,000 investment. This loss will be greater if there are taxes or tax penalties. | **Yes.** <br>If you withdraw money from the contract during the first 4 years following your last premium payment, you may be assessed a surrender charge of up to 3% of the premium withdrawn, declining to 0% over that time period.<br>For example, if you make an early withdrawal, you could pay a surrender charge of up to $3,000 on a $100,000 investment. This loss will be greater if there are taxes or tax penalties. | **Yes.** <br>If you withdraw money from the contract during the first 4 years following your last premium payment, you may be assessed a surrender charge of up to 3% of the premium withdrawn, declining to 0% over that time period.<br>For example, if you make an early withdrawal, you could pay a surrender charge of up to $3,000 on a $100,000 investment. This loss will be greater if there are taxes or tax penalties. | **Yes.** <br>If you withdraw money from the contract during the first 4 years following your last premium payment, you may be assessed a surrender charge of up to 3% of the premium withdrawn, declining to 0% over that time period.<br>For example, if you make an early withdrawal, you could pay a surrender charge of up to $3,000 on a $100,000 investment. This loss will be greater if there are taxes or tax penalties. |
| &nbsp;&nbsp;&nbsp;**Are There Transaction Charges?** | **Yes.** <br>In addition to surrender charges, you also may be charged for the following transactions: transfers of cash value between investment options. | **Yes.** <br>In addition to surrender charges, you also may be charged for the following transactions: transfers of cash value between investment options. | **Yes.** <br>In addition to surrender charges, you also may be charged for the following transactions: transfers of cash value between investment options. | **Yes.** <br>In addition to surrender charges, you also may be charged for the following transactions: transfers of cash value between investment options. |
| &nbsp;&nbsp;&nbsp;**Are There Ongoing Fees and Expenses?** | **Yes.** <br>The table below describes the fees and expenses that you may pay *each year*, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees 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*, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees 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*, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees 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*, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. |
|  | **Annual Fee** | **Annual Fee** | **Minimum** | **Maximum** |
|  | Base Contract <sup>1</sup> | Base Contract <sup>1</sup> | 1.45% | 1.55% |
|  | Investment Options<br> (Fund fees and expenses) <sup>2</sup> | Investment Options<br> (Fund fees and expenses) <sup>2</sup> | 0.50% | 1.25% |
|  | Optional benefits available for an additional benefits charge (for a single optional benefit if elected) <sup>3</sup> | Optional benefits available for an additional benefits charge (for a single optional benefit if elected) <sup>3</sup> | 0.25% | 1.25% |
|  | <sup>1</sup> As a percentage of value in the Separate Account.<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 Separate Account; the maximum fee shown is calculated as a percentage of the adjusted guaranteed withdrawal balance which is a value used to calculate your benefit. | <sup>1</sup> As a percentage of value in the Separate Account.<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 Separate Account; the maximum fee shown is calculated as a percentage of the adjusted guaranteed withdrawal balance which is a value used to calculate your benefit. | <sup>1</sup> As a percentage of value in the Separate Account.<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 Separate Account; the maximum fee shown is calculated as a percentage of the adjusted guaranteed withdrawal balance which is a value used to calculate your benefit. | <sup>1</sup> As a percentage of value in the Separate Account.<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 Separate Account; the maximum fee shown is calculated as a percentage of the adjusted guaranteed withdrawal balance which is a value used to calculate your benefit. |
|  | Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take partial withdrawals from the contract, **which could add surrender charges that substantially increase costs**. | Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take partial withdrawals from the contract, **which could add surrender charges that substantially increase costs**. | Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take partial withdrawals from the contract, **which could add surrender charges that substantially increase costs**. | Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay *each year*, based on current charges. This estimate assumes that you do not take partial withdrawals from the contract, **which could add surrender charges that substantially increase costs**. |
|  | **Lowest Annual Cost:**<br> **$2,374** | **Highest Annual Cost:**<br> **$3,514** | **Highest Annual Cost:**<br> **$3,514** | **Highest Annual Cost:**<br> **$3,514** |
|  | &nbsp;&nbsp;&nbsp; Assumes:<br>• Investment of $100,000<br>• 5% annual appreciation<br>• Least expensive combination of contract class and, Fund fees and expenses<br>• No optional benefits<br>• No sales charges<br>• No additional purchase payments, transfers, or partial withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br>• Investment of $100,000<br>• 5% annual appreciation<br>• Most expensive combination of contract class, optional benefits and Fund fees and expenses<br>• No sales charges<br>• No additional purchase payments, transfers, or partial withdrawals | &nbsp;&nbsp;&nbsp; Assumes:<br>• Investment of $100,000<br>• 5% annual appreciation<br>• Most expensive combination of contract class, optional benefits and Fund fees and expenses<br>• No sales charges<br>• No additional purchase payments, transfers, or partial withdrawals | &nbsp;&nbsp;&nbsp; Assumes:<br>• Investment of $100,000<br>• 5% annual appreciation<br>• Most expensive combination of contract class, optional benefits and Fund fees and expenses<br>• No sales charges<br>• No additional purchase payments, transfers, or partial withdrawals |

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**Risks** | &nbsp;&nbsp;&nbsp;**Risks** |
| &nbsp;&nbsp;&nbsp;**Is There a Risk of Loss from Poor Performance?** | **Yes.** <br>You can lose money by investing in this contract, including loss of principal. |
| &nbsp;&nbsp;&nbsp;**Is this a Short-Term Investment?** | **No.** <br>This contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.<br>Amounts withdrawn from the contract may result in surrender charges, taxes and tax penalties. Surrender charges may apply for the first 4 years following your last premium payment. Surrender charges will reduce the value of your contract if you withdraw money during that time.<br>The benefits of tax deferral and living benefit protection also mean the contract is more beneficial to investors with a long time horizon. |
| &nbsp;&nbsp;&nbsp;**What Are the Risks Associated with the Investment Options?** | An investment in this contract is subject to the risk of poor investment performance and can vary based on the investment options available under the contract.<br>Each investment option, including the fixed-rate option, has its own unique risks.<br>You should review the prospectuses for the available Funds before making an investment decision. |
| &nbsp;&nbsp;&nbsp;**What Are the Risks Related to the Insurance Company?** | An investment in the contract is subject to the risks related to us, as the Insurance Company. Any obligations (including under the fixed-rate option), guarantees, and benefits of the contract are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about GIAC, including our financial strength ratings, is available by contacting us at 1-800-830-4147. |
| &nbsp;&nbsp;&nbsp;**Restrictions** | &nbsp;&nbsp;&nbsp;**Restrictions** |
| &nbsp;&nbsp;&nbsp;**Are There Restrictions on the Investment Options?** | **Yes.** <br>We reserve the right to impose a charge for transfers among investment options in excess of 12 per contract year.<br>We reserve the right to limit the frequency of transfers to not more than 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 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 out of the fixed-rate option.<br>We reserve the right to suspend, discontinue or otherwise restrict the availability of the fixed-rate option for additional premium payments and/or transfers.<br>You may choose to invest in a maximum of 20 of the 27 Variable Investment Options or 19 of the Variable Investment Options and the fixed-rate option, if available, at any time.<br>During the annuity period, if you have a variable annuity payout option you transfers among the Variable Investment Options are limited to once each month. |
| &nbsp;&nbsp;&nbsp;**Are There any Restrictions on Contract Benefits?** | **Yes.** <br>Certain optional benefits limit or restrict the investment options that you may select under the contract. We may change these restrictions in the future.<br>Certain optional benefits generally limit subsequent purchase payments.<br>Withdrawals may reduce the value of benefit by an amount greater than the value withdrawn, which could significantly reduce the value or even terminate the benefit.<br>Optional benefits are no longer available for new sales. |

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**3**

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**Taxes** | &nbsp;&nbsp;&nbsp;**Taxes** |
| &nbsp;&nbsp;&nbsp;**What Are the Contract's Tax Implications?** | You should consult with a tax professional to determine the tax implications of an investment in and payments received under this contract.<br>If you purchase the contract through a tax-qualified plan or individual 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 until they are withdrawn. Withdrawals will be subject to ordinary income tax, and may be subject to tax penalties if you take a withdrawal before age 59 <sup>1</sup>⁄<sub>2</sub>. |
| &nbsp;&nbsp;&nbsp;**Conflicts of Interest** | &nbsp;&nbsp;&nbsp;**Conflicts of Interest** |
| &nbsp;&nbsp;&nbsp;**How Are Investment Professionals Compensated?** | Your investment professional may receive compensation for selling this contract to you, in the form of commissions, additional cash benefits (*e.g.*, bonuses), and non-cash compensation. This conflict of interest may influence your investment professional to recommend continued investment in this contract over another investment for which the investment professional is not compensated or compensated less. |
| &nbsp;&nbsp;&nbsp;**Should I Exchange My Contract?** | If you already own an insurance contract, some investment professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only exchange a contract you already own if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate your existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract. |

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

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**<u>Appendix A: Investment Options Available Under the Contract</u>**

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/c_c/?ctype=great_wested_notice. You can also request this information at no cost by calling the Customer Service Office Contact Center at 1-800-830-4147. Depending on the optional benefits you choose, you may not be able to invest in certain Funds.

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** |
| <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. | AB VPS Sustainable Global Thematic Portfolio (Class B) <br>AllianceBernstein, L.P. | 1.20% | 6.03% | 3.02% | 9.80% |
| &nbsp;&nbsp;&nbsp;Long-term capital appreciation. | Alger Capital Appreciation Portfolio (Class I-2) <br>Fred Alger Management, LLC | 0.94% | 32.87% | 16.33% | 18.17% |
| &nbsp;&nbsp;&nbsp;Seeks income and capital growth consistent with reasonable risk. | Fidelity VIP Balanced 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 | 0.66% | 14.96% | 9.24% | 10.84% |
| &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><br>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% |
| &nbsp;&nbsp;&nbsp;The Fund seeks capital appreciation. | Guardian All Cap Core VIP Fund <br>Park Avenue Institutional Advisers LLC <br>Massachusetts Financial Services Company | 0.83% | 12.25% | N/A | N/A |
| &nbsp;&nbsp;&nbsp;The Fund seeks to provide capital appreciation and moderate current income while seeking to manage volatility. | Guardian Balanced Allocation<br>VIP Fund<br> Park Avenue Institutional Advisers LLC <br>Wellington Management Company LLP | 0.91% | 12.92% | N/A | N/A |

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**5**

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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 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 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 |
| &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 seeks total return with an emphasis on high current income as well as capital appreciation. | Guardian Total Return Bond VIP Fund <br>Park Avenue Institutional Advisers LLC <br>Massachusetts Financial Services Company | 0.81% | 6.87% | -0.82% | N/A |

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&nbsp;&nbsp;&nbsp;&nbsp;**6**

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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 total return with an emphasis on current income as well as capital appreciation. | Guardian U.S. Government/Credit VIP Fund Park Avenue Institutional Advisers LLC <br>Lord, Abbett & Co. LLC | 0.74% | 6.72% | 0.21% | N/A |
| &nbsp;&nbsp;&nbsp;The Fund's investment objective is to seek capital growth. | Invesco V.I. American Franchise Fund (Series I) <br>Invesco Advisers, Inc. | 0.85% | 11.67% | 10.35% | 14.87% |
| &nbsp;&nbsp;&nbsp;The Fund's investment objective is total return, comprised of current income and capital appreciation. | Invesco V.I. Government Securities Fund (Series I) <br>Invesco Advisers, Inc. | 0.70% | 7.37% | 0.04% | 1.60% |
| &nbsp;&nbsp;&nbsp;Seeks long-term growth of capital. | Janus Henderson Global Research Portfolio (Service Shares) <br>Janus Henderson Investors US LLC | 1.07% | 20.60% | 12.23% | 12.64% |
| &nbsp;&nbsp;&nbsp;Capital growth. | LVIP American Century Capital Appreciation Fund Standard (Class II) <br>American Century Investment Management, Inc. | 0.79% | 6.72% | 5.16% | 11.47% |
| &nbsp;&nbsp;&nbsp;Seeks capital appreciation. | MFS<sup>®</sup> Core Equity Portfolio (Service Class) <br>Massachusetts Financial Services Company | 1.03% | 12.22% | 11.26% | 13.53% |
| &nbsp;&nbsp;&nbsp;Seeks long-term capital growth. Under normal market conditions, the Fund invests primarily in equity securities of companies located anywhere in the world, including developing markets. | Templeton Growth VIP (Class 2 Shares) <br>Templeton Global Advisors<br>Limited | 1.12% | 23.83% | 7.95% | 7.04% |

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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.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Name** | **Term** | **Minimum<br>Guaranteed<br>Interest Rate** |
| &nbsp;&nbsp;&nbsp;Fixed-rate option | 1 year | 3% |

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The Fixed-Rate Option is not available while the Earnings Benefit Rider is in effect.

The Fixed-Rate Option is only available for contracts issued from February 19, 2003 to March 7, 2003.

**7**

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**APPENDIX B: INVESTMENT OPTION RESTRICTIONS** 

**FUNDS AVAILABLE UNDER THE LIVING BENEFIT RIDER ("DECADE")** 

If you elect the living benefit rider, you must allocate your net premiums at the time your contract is issued among the following groupings of allocation options. Each grouping is designated as an Asset Allocation Class. Within each Asset Allocation Class, we will make shifts pro rata among the allocation options you have chosen for that class at the time of the rebalancing.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**10%** | **40%** | **40%** | **10%** |
| &nbsp;&nbsp;&nbsp; Fidelity VIP Government Money Market Portfolio (Service Class 2)<br>Guardian Short Duration Bond VIP Fund<br>The Fixed-Rate Option<br>| Guardian Core Fixed Income VIP Fund<br>Guardian Short Duration Bond VIP Fund<br>Guardian U.S. Government/Credit VIP Fund <br>Invesco V.I. Government Securities Fund (Series I)<br>The Fixed-Rate Option | Fidelity VIP Balanced Portfolio (Service Class 2)<br>Fidelity VIP Government Money Market Portfolio (Service Class 2)<br>Guardian All Cap Core VIP Fund<br>Guardian Balanced Allocation VIP Fund<br>Guardian Equity Income VIP Fund<br>Guardian Integrated Research VIP Fund<br>Guardian Mid Cap Relative Value VIP Fund<br>Guardian Strategic Large Cap Core VIP Fund<br>Guardian Total Return Bond VIP Fund<br>Invesco V.I. American Franchise Fund (Series II) | AB VPS Sustainable Global Thematic Portfolio (Class B)<br>Alger Capital Appreciation Portfolio (Class I-2)<br>Fidelity VIP Government Money Market Portfolio (Service Class 2)<br>Guardian Large Cap Disciplined Growth VIP Fund<br>Guardian Mid Cap Relative Value VIP Fund<br>Guardian Small-Mid Cap Core VIP Fund<br>Janus Henderson Global Research Portfolio (Service Shares)<br>LVIP American Century Capital Appreciation Fund (Standard Class II)<br>Templeton Growth VIP (Class 2 Shares) |

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Please retain this Annual Notice for future reference. The last prospectus and statement of additional information for the contract, dated May 1, 2007, contains more information about the contract. You may contact us to request this additional information free of charge. Instructions for contacting us are included on the front cover page of this notice.

**EDGAR Contract ID: C000023935** 

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