Why customers choose annuities on the Gainbridge® platform: real reviews1
Trustpilot Score: 4.5/5 Stars ⭐⭐⭐⭐⭐ based on 600+ verified customer reviews.
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"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.
"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
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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
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.
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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."
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Bankrate notes our "digital first approach" and "competitive rates" as attractive features, emphasizing our "strong financial backing" as a branded subsidiary of Group1001.
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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."
Financial strength you can trust.
Gainbridge® is a branded subsidiary of Group1001, which has $68.5 billion in total assets under management3
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
Our annuities are issued by Gainbridge Life Insurance Company and regulated by state insurance departments.
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:
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.
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:
Straightforward choices, strong results
Most Popular
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.
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
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
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
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.
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.
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.
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
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.
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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