Explore your annuity options
Based on your answers, a Tax-Deferred MYGA may best suit your goals — take a closer look and see how it compares to the others.
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
May be ideal for:
long-term retirement savers
ParityFlexTM
Guaranteed income for life
Tax-deferred fixed-rate growth
No fees or commissions
Keeps paying even if your account hits $0
OneUpTM
100% principal protection
Growth potential linked to the S&P 500®
Up to 60% growth if the market performs well
No fees or commissions
SteadyPace™
SteadyPace™ is a Multi-Year Guaranteed Annuity (MYGA) with tax-deferred growth. It provides a fixed interest rate for a set number of years, helping retirement savings grow faster by deferring taxes until funds are withdrawn.
This type of annuity may be a good fit if you’re…
Focused on building retirement savings over time
Wanting predictable, guaranteed growth without market risk
Preferring to defer taxes until the end of the contract
Key benefits:
Guaranteed fixed rate for the full term
Tax-deferred growth helps savings compound faster
No hidden fees or commissions
Zero risk to your principal
Note: Taxes on interest are deferred until you withdraw funds. If you take money out before age 59½, a 10% IRS penalty may apply in addition to regular income taxes.
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 SteadyPace™ customers
Is it difficult to set up a SteadyPace™ account?
“It was fairly easy to set up my Steady Pace account. All I needed was my bank routing number and my account number to pull from. The interest rate is very good. I like the dashboard that show my accounts (I set up a smaller one then did a larger one). I like that the tax on the interest is deferred until I withdraw it.”
What’s it like to stick with SteadyPace™ over time?
“I have been buying their "Steady Pace" fixed annuities since early 2021. I purchase these online very conveniently. Their rates are always very competitive. So far only one has matured. It was easy to reinvest.”
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.”
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 non–tax-deferred MYGA 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 tax-deferred MYGA?
A tax-deferred Multi-Year Guaranteed Annuity (MYGA) provides a fixed interest rate for a set number of years. Unlike non–tax-deferred MYGAs, taxes on interest are deferred until you withdraw funds.e interest you earn is taxed annually rather than when you withdraw funds.
How does tax deferral help my savings grow?
Because taxes on interest are postponed, more of your money stays invested and compounding during the contract term.
When can I withdraw my money from my SteadyPace™?
At maturity, you can withdraw your initial investment, plus earnings, as a lump sum or as a stream of monthly payments for five to ten years. Or, you can renew your annuity for another term. You choose. Before maturity, you can make penalty-free annual withdrawals of up to 10% of the premium or Required Minimum Distribution (RMD) Amount, if any (as calculated by us), to be withdrawn in the first Contract Year. Beginning in the second Contract Year, You will have up to 10% of the most recent Contract Anniversary’s Contract Value, or RMD Amount, if any (as calculated by us), available to You each Year to withdraw without incurring any penalties (Withdrawal Charges or MVA). If you withdraw above the penalty-free threshold, terminate your contract early, or elect a settlement option, 1) you will be assessed a withdrawal/surrender charge, which will be calculated as a percentage of your account value, and 2) your account value may be assessed a positive or negative market value adjustment (“MVA”) if market interest rates have changed since the beginning of your investment term. Get all the details on withdrawal fees in the full SteadyPace™ Product Summary. California residents, click here. New Jersey residents, click here.
Will I owe taxes on my earnings?
Yes. With FastBreak™, interest is taxed each year in the year it is earned. This means you won’t face a lump-sum tax bill at the end of the contract, but you will pay taxes annually on credited interest.
Can I annuitize my SteadyPace™ contract?
Beginning in the second year of your contract, you can annuitize your SteadyPace™ at any time by converting the account value into a series of guaranteed monthly payments over a period you select, which may be any annual period from five to ten years. A surrender charge may apply if you annuitize your SteadyPace™ contract before your fifth contract year ends. No surrender charge applies if you decide to annuitize your contract at maturity.
How is SteadyPace™ different from a CD?
SteadyPace™ and bank CD products are designed to protect your principal investment and accumulate interest at a guaranteed rate over a specified investment period. Both allow you to withdraw your money as a lump sum at the end of the investment term or renew for another term. On the other hand, SteadyPace™ is meant to be a longer-term accumulation product. Therefore, it offers tax-deferred growth. As opposed to SteadyPace™, CDs are designed to be shorter-term savings vehicles and taxed annually. Additionally, guarantees for SteadyPace™ are provided by the financial strength and claims paying ability of the issuing insurance company whereas CDs are generally guaranteed under FDIC insurance. The SteadyPace™ offered through the Gainbridge® platform also provides for annual penalty-free withdrawals (see “When can I withdraw money from my SteadyPace™?”), whereas CDs typically penalize any withdrawal before maturity.
Are there fees or commissions?
All Gainbridge® annuities do not charge fees or commissions to the policyholder.
