Gainbridge® was established to transform how people access financial products. As a direct-to-consumer digital annuity platform, we provide access to trusted annuity products that deliver guaranteed growth with no hidden fees.
At Gainbridge®, financial stability is our foundation. While Gainbridge® is a direct-to-consumer digital annuity platform, our annuity products are issued by Gainbridge Life Insurance Company (“Gainbridge Life”), which maintains a strong Risk-Based Capital (RBC) ratio of 467.8%—significantly above regulatory requirements. This high ratio reflects Gainbridge Life’s substantial financial cushion and commitment to maintaining the resources necessary to meet all obligations to policyholders, even under challenging economic conditions.
Gainbridge Life’s parent company, Group 1001, maintains a similarly strong RBC ratio of 414.4%, further reinforcing the financial stability behind the organization.
Gainbridge Life has received an A-(Excellent) financial strength rating from AM Best1. This rating, the 4th highest of 16 possible ratings, reflects our strong operational performance, appropriate enterprise risk management, and solid balance sheet.
Like all insurance companies, Gainbridge Life is regulated by state insurance departments and must maintain reserves to fulfill obligations to policy holders. We follow stringent guidelines for capital adequacy, investment portfolio composition, and risk management.
Our investment portfolio is conservatively managed with a focus on preserving capital and supporting our long-term obligations. Our investments primarily consist of:
Investment allocations are subject to change and are managed by Gainbridge Life Insurance Company in accordance with applicable regulatory guidelines.
This diversified, conservative approach helps us fulfill our guarantees to policyholders while maintaining financial stability through market cycles.
Gainbridge® is a proud branded subsidiary of Group 1001, a collective of financial services companies with a shared mission: growth for all, growth for good, opportunity for all.
Founded in 2013, Group 1001 has grown to become a significant force in the financial services industry with:
As part of Group 1001, Gainbridge® benefits from the expertise and resources of a family of financial services companies including:
Offering retirement solutions since 2013
Providing Medicare Advantage plans
Specializing in annuity and life insurance products
Offering workers' compensation coverage
Yes. Gainbridge® was founded in 2018 and is a proud subsidiary of Group 1001, which has approximately $68.5 billion of combined assets under management as of March 31, 2025.
Gainbridge Life is also rated A- (Excellent) by A.M. Best and rated "Excellent" on Trustpilot by Gainbridge® customers.
You can contact Gainbridge®'s customer support team for assistance with your annuity. Call 1-866-252-9439, email team@gainbridge.io, or chat with us here. Our team is available Monday - Friday from 8AM to 5PM EST.
Gainbridge®'s security team uses a number of industry-standard measures to protect your account and ensure your experience with us is safe and secure. We're constantly working to ensure Gainbridge® is one of the safest places for you to build your financial future through password safety, encryption, two-factor authentication, and staying ahead of best security practices.
By offering annuities directly, we eliminated the middleman, getting rid of hidden fees and commissions, putting more money back in your hands.
Gainbridge Life is rated A- (excellent) financial strength rating of insurance company by AM Best.
A.M. Best Company assigns ratings from A++ to S based on a company’s financial strength and ability to meet obligations to contract holders. A- (Excellent) is the 4th highest of 16 ratings. For more information about the rating, visit www.ambest.com
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Our commitment
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At Gainbridge®, we're committed to transparency, simplicity, and putting our customers first. By eliminating middlemen and commissions, we can offer higher returns and better value.
Whether you're planning for retirement, building wealth, or seeking a stable return on your savings, our financial strength gives you confidence that your money is secure and working hard for you, helping ensure you are wealthier today than you were yesterday.
