Form 485BXT GUARDIAN INSURANCE &

July 16, 2026 11:55 AM EDT
Registration No. 333-272291 
SECURITIES AND EXCHANGE COMMISSION
100 F Street, N.E.
Room 1680
WASHINGTON, D.C. 20549
202-551-5850
FORM N-4
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
PRE-EFFECTIVE AMENDMENT NO.  ☐
POST-EFFECTIVE AMENDMENT NO. 12  ☒
THE GUARDIAN INSURANCE & ANNUITY COMPANY, INC.
(Name of Insurance Company)
10 Hudson Yards, New York, New York 10001
(Address of Insurance Company’s Principal Executive Offices)
212-598-8714
(Insurance Company’s Telephone Number, including Area Code)
 
Patrick D. Ivkovich, Senior Counsel
The Guardian Insurance & Annuity Company, Inc.
10 Hudson Yards
New York, New York 10001
212-598-8714
(Name and Address of Agent for Service)
Copy to:
Dodie C. Kent, Esq.
Eversheds Sutherland (US) LLP
1114 Avenue of the Americas, 40th Floor
New York, NY 10036-7703
Approximate Date of Proposed Public Offering: Continuously on and after the effective date of this registration statement.  
It is proposed that this filing will become effective (check appropriate box):
 
 ☐
immediately upon filing pursuant to paragraph (b)
 
 ☒
on August 10, 2026 pursuant to paragraph (b)
 
 ☐
60 days after filing pursuant to paragraph (a)(1)
 
 ☐
on (date) pursuant to paragraph (a)(1) of rule 485 under the Securities Act of 1933 (“Securities Act”).
If appropriate, check the following box:
 
 ☐
This post-effective amendment designates a new effective date for a previously filed post-effective amendment.
Check each box that appropriately characterizes the Registrant:
 
 ☐
New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act
registration statement or amendment thereto within 3 years preceding this filing)
 
 ☐
Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 (“Exchange Act”))
 
 ☐
If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition
period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of
Securities Act
 
 ☒
Insurance Company relying on Rule 12h-7 under the Exchange Act
 
 ☐
Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)
EXPLANATORY NOTE: Post-Effective Amendment No. 11 (“Amendment No. 11”) to the Registration Statement of The Guardian Insurance & Annuity Company, Inc. (the “Registrant”) was filed pursuant to Rule 485(a)(1) under the Securities Act of 1933, as amended (the “Securities Act”) on May 18, 2026 for the purpose (i) adding the Dual Direction Crediting Strategy; (ii) adding the iShares Russell 2000 ETF as an Index; (iii) adding several related IPCSs; and (iv) providing notice of the termination of the availability of several current ICPSs to the Registration Statement to Guardian MarketPerform®, an individual single premium deferred registered index-linked annuity contract issued by The Guardian Insurance & Annuity Company, Inc. This Post-Effective Amendment No. 12 is being filed pursuant to Rule 485(b)(1)(iii) under the Securities Act solely to designate August 10, 2026 as the new effective date for Amendment No. 11. Amendment No. 11 was initially scheduled to become effective on July 17, 2026. This Post-Effective Amendment No. 12, however, is not intended to amend or supersede any information contained in Amendment No. 11. This Post-Effective Amendment No. 12 incorporates by reference the information contained in the Prospectus, Statement of Additional Information and Part C of Amendment No. 11.
3
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the Registrant, The Guardian Insurance & Annuity Company, Inc., has duly caused this Registration Statement to be signed on its behalf by the undersigned thereunto duly authorized, in New York, New York on this 16th day of July, 2026. 
THE GUARDIAN INSURANCE & ANNUITY
COMPANY, INC. (REGISTRANT)
By:
/s/Keith Namiot
 
Keith Namiot
 
President
Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below by the following persons in the capacities and on the dates indicated. 
Signatures
Title
/s/Keith Namiot
President and Director
Keith Namiot
(Principal Executive Officer)
/s/Carl Desrochers
Head of IM Finance and Actuarial
Carl Desrochers
(Principal Financial & Accounting Officer)
/s/Andrew Gordon
Director
Andrew Gordon
 
/s/Jeffrey Turcotte
Chief Actuary & Director
Jeffrey Turcotte
 
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