Yes. One account can hold as many terms as you want, each with its own rate and its own end date.

That means you don't have to decide on one timeline for all your money. Some can be committed for 10 years at a longer-term rate, while some stays on a 2-year term and comes available sooner. As each term ends, that portion is yours to withdraw, move to a different term, or leave in your Cash Wallet.

Each deposit locks its rate on the day you make it. Two deposits into the same length of term, made months apart, can earn different rates depending on where rates were when you made them.

Withdrawals of taxable amounts are subject to ordinary income tax from a qualified annuity (Gainbridge: Retirement Flex) and if taken before age 59½ are subject to a 10% federal income tax penalty.

Yes. You can withdraw your full balance at any time but early withdrawal fees and a market value adjustment will apply to the amount over your 10% annual free withdrawal. For example, if you have a $100,000 balance and withdraw the full amount in year 1, the first $10,000 is penalty-free. The remaining $90,000 would be subject to an early withdrawal fee and potentially a market value adjustment. Additionally, if you withdraw from a Save Retirement account and are under 59 1/2 a 10% IRS early withdrawal tax penalty may also apply.

Yes. One deposit, multiple destinations — some into a term, some into the Cash Wallet, in whatever split you want, as long as your percentages add up to 100% and are whole numbers (no fractions like 33.3%).

Our team is here to help. Call 1-866-252-9439, email team@gainbridge.com, or use our online chat Monday through Friday from 8AM to 5PM EST. We'll walk you through any questions you have.

No. Flex is an annuity issued by Gainbridge Life Insurance Company, not a bank CD, so it isn’t FDIC insured. Like a CD, a fixed term locks in your interest rate for the length you choose.

You're no longer considered a "new member" for bonus purposes, and any term you open at that point gets the standard rate instead.

The older product was built around a single deposit: 3–10 year terms, a $1,000 minimum, and no way to add money without opening an entirely new contract. Flex starts at $100 (with $50 add-ons), offers 1–10 year terms (1–9 in California), lets you add money to the same account whenever you want, and lets you withdraw some of it yourself online — up to your penalty-free amount (which includes 10% of your term balance each year).

No. Your existing account keeps running exactly as it always has, under its original terms. The only thing changing is what's available to new customers going forward — we're no longer opening new legacy Gainbridge Save fixed-premium contracts. If you want the flexibility of adding money over time, Flex and Retirement Flex are open to existing members too — you can apply for either one anytime, as a second, separate account alongside what you already have.

Yes — you're not limited to one. Each Flex or Retirement Flex enrollment you open is its own contract (you'll see it called an "account" in the portal). You can open more than one Flex account, more than one Retirement Flex account, or both — each is a separate contract.

Important note: different tax qualifications need their own contract. For example, IRA funds and non-qualified funds can't share a single contract, and a Traditional IRA and a Roth IRA can't share one either — each tax qualification gets its own contract.

Also worth knowing: our $2,000,000 cap is shared across every contract you hold, combined — opening a second one doesn't buy you more room.

Yes. They're two separate accounts, each with its own Cash Wallet, and each can earn its own New Member Boost rate.

Flex is a taxable account, so it doesn't carry an IRA-style age penalty — though pulling money from a Flex term before it matures can still trigger a surrender charge or market value adjustment, same as any early withdrawal. If you're weighing Flex against Retirement Flex: pulling money from a Retirement Flex account before age 59½ can trigger a 10% IRS early withdrawal penalty on top of ordinary income tax and pulling it before a term matures can add a surrender charge or market value adjustment on top of that. It is worth running the numbers with a tax advisor before you commit either way.

Yes. Once your total account value — Cash Wallet plus terms combined — crosses $100,000, new money going into a term earns a higher rate. It doesn't touch what you already have locked in.

The higher rate applies only to new money committed to a term. It doesn't change the rates on your existing terms, and it doesn't apply to your Cash Wallet. If your total value later drops below $100,000, new terms earn the standard rate, and terms that already have the higher rate keep it until they end.

Straight to the Cash Wallet. Nothing gets locked into a term unless you choose one when you deposit.

Not yet, but it's on our roadmap. Right now, deposits are made one at a time rather than on an automatic schedule — you can still make as many as you want, whenever you want, in whatever amount meets the minimum.

$2,000,000 — and that's an aggregate figure across everything, your Flex account and your Retirement Flex account combined, not $2M for each.

You can add funds anytime subject to contribution limits. Opening the account takes a minimum of $100. After opening, you may continue adding deposits with as little as $50. If you're splitting one deposit across several terms, each portion committed to a term needs at least $1 in it — the $50 minimum applies to the deposit as a whole, not to each individual term.

Both offer a fixed, guaranteed rate for a set term. The difference comes down to who's backing that guarantee, and what happens if you need your money early.

A CD is a bank deposit, insured by the FDIC (or the NCUA at a credit union) up to $250,000 per depositor, per institution for each ownership category. Flex is a flexible premium fixed annuity with guarantees backed by the issuing insurer's claims paying ability and financial strength. Gainbridge Life Insurance Company is rated A- (Excellent – Negative Outlook) by AM Best.

Both products also carry an early withdrawal cost if you need your money before the term ends: CDs typically forfeit some interest, while Flex can apply a surrender charge. Flex additionally lets you withdraw up to 10% of your account value annually with no insurance company fee at all — something a standard CD typically doesn't offer.

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The Cash Wallet is the part of your account that isn't committed to a term. It earns interest, and it's available from the day your contract starts.

You can do three things with it. Leave it there and keep earning, move it into a term to lock in a guaranteed rate for a specific period, or withdraw it. There's no early withdrawal fee and no market value adjustment on Cash Wallet money, so you can take it out anytime with no charge. Of course, for Retirement Flex, an IRS tax penalty may apply if you are under age 59½.

Because it isn't locked, the rate can change at any time. Money that arrives without instructions goes to your Cash Wallet by default, and so does money available at the end of a term, if you haven't told us what to do with it.

Any term from 1 to 10 years. In California, terms run from 1 to 9 years.

Each term has its own rate, and rates vary by term. You'll see the rate for every term before you choose.

You can also leave money in your Cash Wallet with no term at all, where it earns a rate that changes over time and stays available.

Withdrawals of taxable amounts are subject to ordinary income tax from a qualified annuity (Gainbridge: Retirement Flex) and if taken before age 59½ are subject to a 10% federal income tax penalty.

Most fixed annuities take one deposit and lock it for one term. Flex lets you keep adding to the same account.

Typically, with a traditional multi-year guaranteed annuity, you make one payment, choose a term, and that's the contract. To put in more, you'd apply again and end up with a second contract to track.

With Flex, one account holds as many terms as you want; each term has its own guaranteed rate and its own end date. For example, you could commit $50,000 into a 3-year term now, and add $25,000 from a maturing CD next year into a 5-year term. Both are held in the same Flex account. You never reapply.

That also means you can build a ladder inside a single account. Put some money in a 2-year term, some in a 5-year, and some in a 10-year, so part of it reaches the end of its term every few years instead of all at once. Terms run from 1 to 10 years, so you can match each piece to when you expect to need it.

You start earning interest on the day we receive your funds. For bank transfers, this is typically 2-5 business days from when you initiate funding. For retirement transfers, it's usually when your previous institution releases the funds. Your interest rate is locked from the day you submit your application, and you'll earn that rate from the day we receive your deposit.

Your account value updates each business day and reflects interest credited and any withdrawals. The balance you see in your account is updated up to the previous business day.

Log in to your portal anytime to check your balance..

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Gainbridge Save is a legacy product in our family of annuities. Gainbridge Save has been replaced by Gainbridge Flex℠, which offers 1–10 year terms (1–9 in California), a $100 minimum, and the ability to add money to your account at any time without reapplying. If you opened a fixed Save account before Flex launched on October 13, 2026, it stays in your portal and keeps its terms until its maturity date. New fixed accounts can no longer be opened.

Your rate is locked for 30 days from when you sign your application. As long as your funds arrive within those 30 days, you'll get the rate you locked in, even if rates have changed. If your funds arrive after 30 days, you'll receive the current rate at the time of funding.

Your money moves directly from your bank or current institution to Gainbridge. For bank transfers (ACH), funds typically leave your account within 1-2 business days and your contract will typically become active within 2-5 business days total.

For retirement account transfers or 1035 exchanges, your current institution processes the transfer, which typically takes up to 30 days. Once we receive the funds from the transferring company, your account will be active.

Your rate lock is good for 30 days from the day you sign your application. If your funds don't arrive within 30 days, your application will be updated to reflect the current rates at the time of funding. To avoid this, make sure to initiate your funding method as soon as you complete your application. For retirement transfers that may take longer, contact us, and we can help.

You can:

Renew your contract for another term with a new interest rate

Withdraw your funds to a bank account or transfer to another account (like a 1035 exchange or rollover)

Annuitize your contract to receive regular income payments

No. Gainbridge Save is a fixed annuity issued by Gainbridge Life Insurance Company, while CDs are issued by banks. However, the Traditional option works similarly to a CD with fixed rates and interest taxable as earned.

Most people complete the application in minutes. You'll need basic information like your name, address, date of birth, and Social Security Number. You can save your progress and come back to finish later if needed.

Bank transfers typically take 2 to 5 business days. Transfers from a retirement account or another annuity can take up to 30 days.

Your money starts earning interest the day after we receive and verify your funds.

Your rate is held while the money is in transit. That's 5 days for a bank transfer, or 60 days from your transfer paperwork date if you're moving money from another institution.

If you have Gainbridge Save: No. Gainbridge Save is a legacy, single-premium annuity, which means you make one deposit when you open your account. If you want to invest additional funds later, you can open a new Gainbridge Flex annuity. You can do this to take advantage of current rates or to ladder savings across different terms.

If you have Gainbridge: Flex or Gainbridge: Retirement Flex: You can add funds anytime subject to contribution limits. Opening the account takes a minimum of $100. After opening, you may continue adding deposits with as little as $50. If you’re splitting one deposit across several terms, each portion committed to a term needs at least $1 in it. The $50 minimum applies to the deposit as a whole, not to each individual term.

$100 to open, and you can add as little as $50 at a time.

There's no minimum for any single term, so you can split one deposit across several if you want.

Flex is a flexible premium individual deferred annuity that lets you choose how long to commit your money and add more whenever you want.

You pick a term between 1 and 10 years and lock in a rate for that period. You can open an account with as little as $100 and add money at any time, in amounts as small as $50, without filling out a new application. For Retirement Flex qualified accounts, annual IRS contribution limits apply (rollovers and transfers don’t count toward them).

Each deposit you commit to a term earns its own rate for its own length of time. Money you’re not ready to commit sits in your Cash Wallet, where it earns interest and stays available.

There are no account fees and no sales commissions.

Withdrawals of taxable amounts from Retirement Flex are subject to ordinary income tax and, if taken before age 59½, a 10% federal income tax penalty. If you withdraw more than the free amount before a term ends, an early withdrawal fee and, in most states, a market value adjustment may apply. If your Cash Wallet is in Retirement Flex, any withdrawal before age 59½ may result in an IRS early withdrawal tax penalty. You are taxed annually for Flex because your money does not grow tax-deferred.

You can contribute once and leave it. Adding is entirely optional. If you want to later, you can make another deposit anytime, starting at $50, into either a new term or the Cash Wallet within the same Flex contract. One thing to know: if your Contract Value stays below $2,500 and you go two full years without adding any funds, Gainbridge may choose to close the contract. We’ll notify you in advance, and adding money before then keeps your contract open. So if you’re starting small, keep that in mind before deciding to never revisit it.

If you like the certainty of a guaranteed fixed rate but don't want to lock every dollar into one term, Flex may be a good fit. It can work well if you're saving toward a goal a few years out — even retirement — without the age-based penalties or required withdrawals that come with IRA-style accounts. In exchange, your interest is taxed each year. It can also be a great fit if you'd rather add money on your own schedule rather than all at once, if you like splitting savings across different terms — sometimes called laddering — or if you just want to avoid market swings altogether.

Flex may not be the right choice if you might need more than your free withdrawal amount before a term ends, because early withdrawals can be subject to an early withdrawal fee and a market value adjustment. If you want your interest to grow tax-deferred, consider Retirement Flex.

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Twice, total:

• Once when you open your first Flex account
• Once when you open your first Retirement Flex account

That's the case even if you open different Retirement Flex accounts, for example a qualified and non-qualified. You are only eligible for the first one that is opened.

You are eligible for the new member rate for each deposit into a term within 90 days of your application signing date. Fund your account, or add to it, inside that window, and any term you open during that time carries the boosted rate for its full duration.

Only if you haven't already opened a Gainbridge Flex^SM or Gainbridge Flex Retirement^SM account.