Rates for Annuities on the Gainbridge® Platform:
Transparent, Competitive, Reliable
Find competitive fixed annuity rates to help secure your financial future with Gainbridge®'s industry-leading options.
These rates are accurate as of June 9, 2025. Rates are subject to change at any time. Lock in today's fixed annuity rates by starting your application now and take the first step toward building guaranteed income for your future.1
Annuities are financial products designed to provide growth for your savings and reliable, long-term guaranteed income. In uncertain economic times, a fixed annuity offers stability through guaranteed rates of return, regardless of market fluctuations.
The Gainbridge® platform offers annuities designed with transparency and performance in mind, without hidden fees. Whether you’re seeking consistent growth or long-term guaranteed income, our online-first platform makes it easy to compare options and make informed choices.
This 3-10 year fixed annuity offers competitive rates with non-tax-deferred growth, allowing you to grow your money at any age, unlike tax-deferred annuities that come with a 10% IRS penalty if you withdraw your funds before 59½ years old10. It may be a good fit for those who want access to their money sooner while still earning guaranteed returns.1
● Current Top Rate: 5.80% APY1
● Key Feature: No-penalty 10% annual withdrawals12
● Minimum contribution: $1,000
Available in 3-10 year terms, SteadyPace™ provides tax-deferred growth in a fixed annuity structure. It may be ideal for retirement planners focused on building guaranteed income over time.1
● Current Top Rate: 5.80% APY (5-10 year term)1
● Key Feature: Tax-deferred growth
● Minimum contribution: $1,000
This 7-year term fixed annuity offers competitive interest rates with a Guaranteed Lifetime Withdrawal Benefit, giving you guaranteed annual income for life, even if your account hits $0.1,13 This annuity may be a good fit for those planning for long-term goals.
● Current Top Rate: 5.60% APY7
● Key Feature: Annual paycheck for life
● Minimum contribution: $1,000
This 5-year term fixed index annuity delivers our highest potential growth. Get market performance-based Index Interest Credits with no risk of loss to your principal.
● Current Top Rate: Credited up to 60% of the S&P 500® growth over 5 years14
● Key Feature: Index-linked growth opportunities with no risk of losing principal15
● Minimum contribution: $1,000
Gainbridge® offers guaranteed returns, principal protection, and the confidence of a $68.5B financial foundation.
We eliminate middleman costs and pass the savings to you in the form of more competitive rates. No agents, no commissions, just returns.
Apply, manage, and monitor your annuity entirely online through our secure platform. No paperwork, no meetings, no hassle.
What you see is what you get. We clearly disclose all terms and conditions with no surprise charges.
Gainbridge Life is a subsidiary of Group 1001 which has approximately $68.5 billion in assets under management as of March 31, 2025 and has an A- (Excellent) AM Best financial strength rating.3
Margaret T. 16
What impacts annuity rates? Annuity rates are influenced by several factors, including:
Current economic conditions
Federal Reserve interest rates and bond yields
Term length (generally, longer terms offer higher rates)
Insurance company financial strength
While a high rate is attractive, consider these factors when choosing an annuity:
When we say "guaranteed rate," we mean your money will earn the stated interest rate for the entire term of your contract. This protection against market downturns provides peace of mind in volatile economic climates.1
Read more about annuity basics here.
See how much your savings could grow with a fixed annuity on the Gainbridge® platform.
Our direct-to-consumer model eliminates agent commissions and some of the other intermediary costs that traditional insurance companies incur. We pass these savings directly to our customers in the form of more competitive rates.
Annuity rates are primarily influenced by current bond yields, Federal Reserve monetary policy, economic conditions, and the insurer's financial objectives.
With FastBreak™, SteadyPace™, and ParityFlex™, you are allowed to withdraw 10% of your account balance after the first year or 10% of your premium amount in your first year, penalty-free, and with OneUp™, you are allowed to withdraw 5% of your account balance after the first year or 5% of your premium amount in your first year, penalty-free.17
Withdrawals above the free withdrawal amount are subject to surrender charges that decline over time.
Gainbridge® annuity rates typically exceed CD rates by 20-25% for comparable terms.18 Unlike bonds, annuities can offer principal protection regardless of market conditions and some offer tax-deferred growth.
Rates are reviewed monthly and may change based on market conditions. Once you lock in a rate by completing your application, that rate is guaranteed for the entire term of your fixed annuity.1
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