Supplement dated October 1, 2000
to the Prospectus dated September 12, 2000 for
The Guardian C+C Variable Annuity
The following supplemental information should be read in conjunction with
the Prospectus dated September 12, 2000 for the Individual Flexible Premium
Deferred Variable Annuity Contract issued by The Guardian Insurance & Annuity
Company, Inc. ("GIAC") through The Guardian Separate Account F and marketed
under the name "The Guardian C+C Variable Annuity".
On Page 28 of the Prospectus, delete the "Guardian Baillie Gifford
International Fund" from the Aggressive Growth Asset Allocation Class for the
Living Benefit Rider (referred to as "Decade").
