Why customers choose annuities on the Gainbridge® platform: real reviews1

Trustpilot Score: 4.5/5 Stars ⭐⭐⭐⭐⭐ based on 500+ verified customer reviews.

"I highly recommend Gainbridge MYGA Fixed Annuities"

"My wife and I each owned multiple Gainbridge MYGA fixed annuities, and I still own many. The Gainbridge rates have been very competitive. Customer service has always been excellent for everything, including purchases, penalty-free withdrawals, transfers, end-of-guarantee-period surrenders, death claims and spousal options, etc. I have dealt with twenty annuity companies, and no one provides better customer service than Gainbridge, and many other companies provide poor customer service or worse. Gainbridge is highly recommended." - Steven M.

"This is how annuities should be purchased online"

"I've purchased several MYGA contracts from Gainbridge over a few years. The website makes the application process easy and efficient. I was even able to add my trust as beneficiary easily. And instead of waiting weeks for money to be applied to the contract, it just took a few days. And the guaranteed rates beat the competition. For me, this is how annuities should be purchased, without having to go through an insurance broker or agent - as long as you understand annuity contracts." - Joel

Don't just take our word for it

Dave's review

I have several annuities with various insurance companies. I like that with Gainbridge you don't deal with a middle-man broker. The process is simple and the website/user interface is very good. Interest rates are some of the best.

David

Locked in great rate!

It was easy to set up my account and transfer of funds went smoothly. Also, I appreciate my locked-in interest rate that was the best at the time I was searching. I only wish I would have know about Gainbridge sooner.

Dgb

Good Customer Service

The information on your website was accurate and it was easy to talk to a representative both before and during the opening of the account. The rates are the best!

Linda

A real person

First, when you call you get a real person on the phone! They were patient, helpful and guided me through the process to purchase my product successfully...a wonderful and satisfying experience!

Nancy

One of the best 5-yr MYGA (annuity) rates around

One of the best 5-yr MYGA (annuity) rates around and fast and easy to complete the process online. No need for an agent to get involved, which makes things even easier and faster. Will likely do business again.

Tom

Competitive rates and good customer service

Very competitive fixed annuity interest rates and easy and clear site. Also, provided informative and friendly customer service.

William

As a first time online annuity…

As a first time online annuity purchaser I was anxious about the process. I spoke with Amanda and Tiffany at different times. Each were very helpful and patient. Tiffany especially was able to make me feel that there was someone at Gainbridge who cared about my experience and would follow through with what needed to be done to help me complete the process.

Rachel

Good Rates, easy account opening

Website is informative and easy to navigate. On line chat person clearly answered all of my questions. With the information I received, I felt comfortable opening my first ever annuity. Opening an account was straightforward and very easy. Current rates offered are significantly better than CD rates.

Robert

Bottom line up front

Annuities on the Gainbridge® platform are issued by Gainbridge Life Insurance Company (“Gainbridge Life”). Gainbridge Life is a legitimate, financially strong insurance company which has issued thousands of policies and has received an A- rating from AM Best2. Gainbridge® is a proud, branded subsidiary of Group 1001, which has approximately $68.5 billion in combined assets under management3. Our customers trust us to protect and grow their money through straightforward, transparent annuity products with no hidden fees.

What financial experts are saying

CNBC Select named Gainbridge® "Best for low-risk annuities" in their 2025 review, highlighting our "straightforward options and an easy-to-use website" with "no sales or administrative fees."

Bankrate notes our "digital first approach" and "competitive rates" as attractive features, emphasizing our "strong financial backing" as a branded subsidiary of Group1001.

MoneyRates praised our transparent fee structure, noting "no administrative fees or commissions" and highlighting our user-friendly online interface that "cuts out the middle man of a financial advisor."

Is Gainbridge® legit? Here's what you need to know.

Financial strength you can trust.

Financial Strength

Gainbridge® is a branded subsidiary of Group1001, which has $68.5 billion in total assets under management3

AM Best A- Rating

Your annuity is issued by Gainbridge Life Insurance Company, which has received an A- (Excellent) financial strength rating from AM Best. This is the 4th highest rating out of 16 possible ratings.2

Regulated Products

Our annuities are issued by Gainbridge Life Insurance Company and regulated by state insurance departments.

Who we are: founded on innovation, built on trust

Digital-First Approach: Founded in 2018, the Gainbridge® platform revolutionizes how people buy annuities by eliminating extensive paperwork and high fees through our streamlined online platform.

Group1001 Family: We're proud to be a subsidiary of Group1001. Other Group 1001 subsidiaries include Delaware Life Insurance Company, Clear Spring Life and Annuity Company, and more.

Group 1001 has grown to become a significant force in the financial services industry with:

  • $68.5 billion in total assets under management (as of March 31, 2025)
  • 493,000+ active annuity contracts and life insurance policies
  • 1,500+ employees working across multiple locations

This gives our insurer the financial stability of a large organization with the innovation of a modern company.

Headquartered in Indianapolis: We combine Midwest values with cutting-edge innovation and technology.

Our mission: making annuities accessible

Traditional annuities often come with higher fees, confusing terms, and pushy sales tactics. We believe protecting and growing your money shouldn't be high-pressure or expensive. That's why we've created:

  • No hidden fees or commissions
  • Purchase an annuity with as little as $1,000
  • Guaranteed competitive interest rates
  • Easy online account management
  • Transparent terms and conditions

Annuities available on the Gainbridge® platform.

Straightforward choices, strong results

Most Popular

FastBreak™ - Flexible Growth

Product Type: Non-tax-deferred Multi-Year Guaranteed Annuity (MYGA)

No 10% early withdrawal penalty from the IRS5

Fixed, guaranteed growth, up to 5.80% APY4

Ideal for those who want to purchase an annuity and withdraw their funds before age 59½.

SteadyPace™- Tax Deferral

Product Type: Tax-deferred Multi-Year Guaranteed Annuity (MYGA)

Tax-deferred growth with guaranteed rates

Earn a guaranteed interest rate up to 5.80% APY4

Ideal for long-term retirement savings

ParityFlex™ - Lifetime Income Guarantee

Product Type: MYGA with a Guaranteed Lifetime Withdrawal Benefit

Turn your principal into a paycheck for life

Grows your retirement savings and pays you an endless stream of income - even if your account reaches zero6

Ideal for savers seeking lifetime income

OneUp™ - Market growth without market risk

Coming Soon

Product Type: Fixed index annuity (FIA)

Get S&P 500® index growth, capped at 60%7

Principal protection + guaranteed interest rate of 1% annually (5% over the index strategy term)8

Ideal for savers looking to get index-linked growth for their retirement money, without risking their principal

Safety first: how we protect your principal

Is it safe to buy annuities on the Gainbridge® platform? The facts:

Regulatory Oversight: Gainbridge Life is licensed and regulated by state insurance departments in all states where we operate. Our operations are subject to regular examinations and compliance requirements.

Conservative Investment Strategy: Gainbridge Life follows conservative investment practices typical of insurance companies, focusing on principal protection and steady growth rather than high-risk speculation.

Transparent Operations: We publish our annuity rates, fees, and terms clearly on our website. No hidden costs, no surprise charges.

Financial Strength Indicators

  • Insurer’s AM Best Rating: A- (Excellent)2
  • A subsidiary of Group1001, which has $68.5 billion in total assets under management

Competitive advantages: why we stand out

Gainbridge®
Traditional annuities
Sales commissions
$0
3-8% of investment9
Administrative fees
$0
About 0.3% of the value of your contract9
Minimum contribution
$1,000
$5,000-$10,00010
Online management
Full-featured
Potentially limited or none
Annuity rate transparency
Published online
May have to call for quotes

Frequently asked questions

When was Gainbridge® founded?

Gainbridge® was founded in 2018 as a digital annuity platform, though we benefit from the collective decades of insurance industry experience of Group 1001 and its subsidiaries.

What are the current rates for the annuities on the Gainbridge® platform?

Our current rates range from 5.30% to 5.80% APY, depending on the product and term length.4 Our fixed index annuity has a guaranteed interest rate of 1% annually (5% over the index strategy term with index-linked growth, capped at 60%.7,8 Rates for annuities on the Gainbridge® platform are published on our website and updated regularly. You can see all rates for all products here.

What is Gainbridge Life’s credit rating?

AM Best, a leading credit rating agency specializing in the insurance industry, gives Gainbridge Life an A- (Excellent) financial strength rating, indicating a strong ability to meet policyholder obligations.2

How do I sign up for an account on the Gainbridge® platform?

Simply visit our website, select and review your annuity product, choose your term and contribution amount, and complete the online application. You can fund your account via ACH transfer, check, or wire transfer. The entire process typically takes as little as 10 minutes.

Who can I contact if I have questions?

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.

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Enter your contribution amount and preferred term to see exactly what Gainbridge® can offer you — no obligation, no sales calls, just transparent rates and terms.

Minimum contribution: $1,000

No sales commissions or administrative fees

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