Explore your annuity options
Based on your answers, a Fixed Index Annuity (FIA) tied to the S&P 500® may best suit your goals — take a closer look and see how it compares to the others.
OneUpTM
May be ideal for:
savers looking to get index-linked growth for their retirement money, without risking their principal
100% principal protection
No fees or commissions
Growth potential linked to the S&P 500®
Up to 60% growth if the market performs well
FastBreakTM
Withdraw before 59½ with no IRS penalty
Fixed interest rate for the full term
No fees or commissions
Avoid a surprise tax bill at the end of your term
SteadyPaceTM
Tax-deferred growth
Fixed rate between 3-10 years
No fees or commissions
Zero risk to your principal
ParityFlexTM
Guaranteed income for life
Tax-deferred fixed-rate growth
No fees or commissions
Keeps paying even if your account hits $0
OneUp™
OneUp™ is a Fixed Index Annuity (FIA) tied to the S&P 500® Total Return Index. It combines principal protection with the opportunity for market-linked growth, allowing your savings to benefit from market performance without risking your original investment.
This type of annuity may be a good fit if you’re…
Seeking upside growth potential while protecting your principal
Looking for greater growth for your retirement savings
Preferring tax-deferred earnings during the contract term
Key benefits:
100% principal protection
Growth linked to the S&P 500® (capped at 60% of index gains)
Guaranteed 1% annual interest (5% total over a 5-year term)
Tax-deferred earnings over the term
Note: Growth is tied to the S&P 500 and calculated point-to-point over 5 years, with capped 60% growth. If you withdraw before age 59½, a 10% IRS penalty may apply.
Why Gainbridge®
Gainbridge® is a digital-first annuity platform built to make long-term savings simple, direct, and transparent.
4.5/5 stars on Trustpilot
Rated “Excellent” by real customers who value transparency, reliability, and results.
$72.9 billion in assets
Part of Group1001, managing over $72.9 billion across trusted financial products.
A- (Excellent)
AM Best rating
Rest assured with our strong financial stability recognized industry-wide.
Questions? Get answers from OneUp™ customers
What kind of support can I expect when opening a OneUp™ annuity?
“As a new Gainbridge customer, I received exceptional customer support from attentive agents. I appreciated their steadfast resolve in assisting me with establishing a new account, resolving technical hurdles and answering all of my questions. And their rates are very good. I'm happy to be a customer and have peace of mind knowing my retirement is better funded.”
Are Gainbridge® annuities accessible and transparent?
“It has the highest % I could find from any company. I liked the ease of setting it up. I like that I can watch the growth daily if I so choose. My last annuity was through a broker. This meant a lower % for me as the broker had a cut and I had to contact the broker every time I wanted to know the balance. My broker said that no annuity allows you to see daily updated balances. I told him that Gainbridge does. He didn’t know how to respond to that. I plan to open a second annuity soon.”
If I have questions about OneUp™, will someone be there to help?
“Along with providing great rates for fixed annuities, there is quick and helpful associates to answer any questions you may have!”
What it’s like to save with Gainbridge®
Hear about the experience, straight from one of our customers.
Compare all
Gainbridge® annuities
You’ve seen how a fixed index annuity works, but it’s just one of the options available. Gainbridge® offers four annuity types, each designed for different savings goals and preferences. Explore them side by side to decide what fits you best.
Still have questions?
We have the answers.
What is a Fixed Index Annuity (FIA)?
A Fixed Index Annuity provides principal protection and interest that is linked to a market index, such as the S&P 500®.
What are the potential drawbacks of OneUp™?
Here are some things to consider:
Limited Access: You may have to pay a surrender charge if you need to withdraw your money early.
Capped Returns: The amount credited to your account may be limited, even if the market does really well.
What are the benefits of OneUp™?
OneUp™ offers several benefits, including:
-A guaranteed minimum interest rate of 1% annually. The guaranteed interest rate is declared at the beginning of the index term strategy.
-Crediting potential of up to 60% of the growth of the S&P 500®
Principal protection from market downturns
-Tax-deferred growth
-Flexible withdrawal strategies (however, a withdrawal will reduce your contract value and your principal is no longer protected)
How does the OneUp™ Fixed Index Annuity work?
OneUp™ works through a combination of guaranteed growth and market-linked performance:
-Principal Protection: 100% of your initial investment is protected from market downturns so long as you do not take a withdrawal
-Dual growth structure: Your money grows through both an annual guaranteed interest credit and potential index-linked interest credits based on a the S&P 500® which is applied at the end of the index strategy term
-Tax-Deferred Growth: Any interest earned is not taxed until you withdraw it, allowing your money to compound more efficiently
-Accessibility: You can withdraw up to 5% of your contract value annually without withdrawal charges, however, you may be subject to a federal tax penalty if under the age of 59 1/2
The value of your annuity will never decrease due to market performance, giving you both growth opportunity and peace of mind.
Is a fixed index annuity right for me?
A fixed index annuity might be right for you if you want greater potential for growth than a traditional fixed annuity while still protecting your principal. With a fixed index annuity your interest is linked to a market index, such as the S&P 500®, the Nasdaq 100 or the Dow Jones Industrial Average, subject to a cap. This creates the potential for more growth if the index performs well—and conversely offers protection from loss due to poor index performance. Although your annuity’s interest is tied to the index's performance, your money is not directly invested in the market. This means that if the index your annuity is tied to doesn’t perform well, your annuity doesn’t lose its value due to market volatility.
What happens if the market goes down?
Your principal is 100% protected even if the market declines. If the index performs negatively during your term, you’ll still receive your guaranteed interest rate of 1% annually (5% over the 5-year index strategy term). You can never lose money due to market performance.
Are there fees or commissions?
All Gainbridge® annuities do not charge fees or commissions to the policyholder.
