No hidden fees and commissions; putting the power and higher returns back in your hands.
A guaranteed rate that beats most banks.
Earn up to 5.60% APY1 for your money guaranteed.
Access to your money at any age.
Earn more than 3x the national CD average.2
Guaranteed growth for your retirement.
Grow your retirement savings with up to a fixed 5.60% APY.1
Secure your retirement, risk free.
Tax-deferred earnings accelerate your money’s growth.
A personal pension for your retirement.
S&P 500® Index growth potential with principal protection for your retirement money.
Get S&P 500® index growth, capped at 60%4
Principal protection + 5% interest credited over 5 years (1% per annum).4
Tax-deferred growth can help accelerate your money’s growth.
See what Gainbridge® customers have to say
We’ll always be here for you.
Our customers just keep coming back to us.
We are a subsidiary of Group1001, which has $72.9 billion of combined assets under management as of June 30, 2025.
We offer products on our platform from insurers rated A- (Excellent) by AM Best5 for their financial strength.
We care about what you care about.
Investment minimum
$1,000
At Gainbridge, we design robust, easy-to-use, result-driven products. We did this through low-investment minimums to democratize financial product access for everyone.
We are guided by a strong sense of integrity. This governs every aspect of our decision-making, from how we invest in our portfolios to hiring people on our teams.
Community donations
$1,000,000+
Team sponsorships
100+ events
We are on a mission to transform communities through sports and education. It's in our DNA. Our partnerships, including the world-famous Billie Jean King Cup in women's tennis, address important initiatives such as the gender equity gap in sports.
What is the safest type of annuity to buy?
The safest type of annuity is typically a fixed annuity, which provides guaranteed returns and income while protecting your principal from market fluctuations. These annuities offer a stable investment option with lower risk.
How do I buy annuities online through Gainbridge?
To purchase an online annuity through Gainbridge, visit our website, select the annuity product that meets your needs, and complete the straightforward application process. You can review your options and make an informed decision.
Are my funds secure?
At Gainbridge, we offer a commitment to the security of your funds. Gainbridge was founded in 2018 and is a proud subsidiary of Group 1001, which has approximately $72.9 billion of combined assets under management as of June 30, 2025.
Gainbridge Life is also rated A- (Excellent) by A.M. Best and rated "Excellent" on Trustpilot by Gainbridge® customers.
Additionally, your investments benefit from regulatory protections and strict compliance standards, ensuring a secure environment for your savings and future income.
Are there any hidden fees that could affect my returns?
No, Gainbridge prioritizes transparency and has no hidden fees. We clearly outline all associated costs upfront. The only fee you may absorb is if you make withdrawals before the end of your term. Our contracts allow a 10% free withdrawal annually without withdrawal charges or market value adjustments. Amounts above that may be subject to charges or adjustments. If you're under age 59½, a 10% federal IRS tax penalty may also apply.
Can I get personalized advice on which product to choose?
Currently, while we offer straightforward and easy-to-understand products, we do not provide personalized advice. However, our product comparison page contains comprehensive information to help you compare options and make informed decisions.
What is a good return on an annuity?
A good return on an annuity can vary based on individual financial goals and prevailing market conditions. Fixed annuities typically provide competitive rates, but it’s important to assess your specific needs when evaluating potential returns. If you want to estimate your projected growth, you can use Gainbridge's fixed annuity calculator here.
Are annuities covered by insurance?
Questions about state guaranty association coverage are addressed in accordance with specific guidelines provided by Gainbridge. Coverage varies by state and is subject to eligibility and limits. For accurate and detailed information, please refer to the Gainbridge website or contact our support team directly.
What is the best age to buy an annuity?
There is no universally best age to buy an annuity; it largely depends on your individual financial goals and retirement plans. Many consider purchasing annuities in their 50s or 60s as they prepare for retirement.
Gainbridge® annuities are available to all individuals 18 and older, with some limitations by product for those 80-90 years old, seeking a safe and reliable way to grow their savings.
Is a 401K an annuity?
No, a 401(k) is not an annuity. A 401(k) is a defined contribution retirement plan that allows employees to save and invest for retirement, typically through payroll deductions, with tax advantages. However, you can use the funds from a 401(k) to purchase an annuity upon retirement, which can provide guaranteed income.
Can you buy an annuity for life?
Yes, you can purchase a lifetime annuity that guarantees income for as long as you live. This option helps ensure financial security during retirement by providing a consistent income stream. For example, Gainbridge’s ParityFlex™ is a multi-year guaranteed annuity (MYGA) with a built-in Guaranteed Lifetime Withdrawal Benefit (GLWB) that can provide income every year for life, even if your contract value is depleted (subject to conditions).
