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.

You can open a Retirement Flex account as one of these types: Non-Qualified, Traditional IRA, SEP-IRA, or Roth IRA (contributory or transfer). A 401(k) can't be the account type itself — but money from a 401(k) can still be rolled in, landing in a Traditional IRA-type account instead.

A few plan types aren't eligible at all, as a source or a destination: self-employed/Keogh plans, beneficiary (stretch) IRAs, 457(b) plans, non-qualified inherited contracts, and qualified inherited (beneficiary IRA) contracts. We also don't work with institutional plans, like defined benefit plans.

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.

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.

Yes. Once your contract has been open through at least one calendar year-end (12/31), we calculate your Required Minimum Distribution (RMD) amount for you when it applies. Your RMD is always free of surrender charges, no matter where in your contract the money is coming from. Since taking an RMD isn't yet available for self-service in the portal, call our team at 1-866-252-9439 and we'll walk you through it.

For 2026, it's $7,500 if you're under 50, $8,600 if you're 50 or older. That's a combined cap across every IRA you own anywhere — not just the one at Gainbridge. The IRS adjusts this figure annually; you can find more information at Home | Internal Revenue Service.

You can open a Retirement Flex account as one of these types: Non-Qualified, Traditional IRA, SEP-IRA, or Roth IRA transfer. A 401(k) can't be the account type itself — but money from a 401(k) can still be rolled in (if you are separated from the employer offering that plan), landing in a Traditional IRA-type account instead.

If you are planning to use an institutional plan, such as a defined benefit plan or 403(b), please contact your plan provider to understand your rollover options before submitting your application.

A few plan types aren't eligible at all, as a source or a destination: self-employed/Keogh plans, beneficiary (stretch) IRAs, non-government 457(b) plans, non-qualified inherited contracts, and qualified inherited (beneficiary IRA) contracts.

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.

If you're moving money from an IRA or employer plan into Retirement Flex, you typically have two options. Traditional and SEP IRA money goes into a traditional Retirement Flex, and Roth money goes into a Roth Retirement Flex. We don't charge anything to accept a transfer, but your current provider may charge a fee or, for CDs or annuities, an early withdrawal charge, so check with them first.

With a direct transfer, you give us a few details about your current account and we handle the coordination with your institution. The money moves directly from them to Gainbridge℠. You don't withdraw it yourself or move it through your bank.

With an indirect rollover, you withdraw the money and use it to fund your account with us within 60 days. If you go this route, you have 60 days to complete the transfer, and the IRS allows only one IRA-to-IRA indirect rollover in any 12-month period, across all your IRAs. Missing either can create a tax bill. Your current provider may withhold taxes from the withdrawal (20% for employer plans), and to roll over the full amount you'd need to make up that amount from other money. If you miss the deadline or don't deposit the full amount, the difference is generally taxable and, if you're under 59½, may be subject to a 10% IRS additional tax.

Transfers take longer than adding money from your bank account, often up to 30 days, because they depend on your current institution's processing time. Your rate is held for 60 days from the day you sign your transfer paperwork, so the timeline doesn't cost you the rate you were quoted. If the funds arrive after 60 days, the rate in effect the day the funds arrive will apply.

If you'd like help getting the paperwork right, call us before you start.

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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.

$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.

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 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.

We'll notify you at least 45 days before your term matures, with the renewal options and rates available. From there, you can roll into a new term, withdraw the balance, or move the money to the Cash Wallet. If we don't hear from you, it goes to the Cash Wallet automatically at the current rate, with no surrender charge or Market Value Adjustment (MVA) on that money.

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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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.

Your designated beneficiary will receive the full account value. Your designated beneficiary will receive the  contact value plus any applicable interest, less premium or similar tax, as applicable provided the annuity hasn’t converted to a settlement contract. As long as you have a designated beneficiary (other than an Estate), there are no probate delays, reductions, or early withdrawal fees.

Your annuity contract includes these two waivers at no extra cost. If you become terminally ill with a life expectancy of nine months or less, or if you're confined in an eligible nursing home for 90 continuous days or more, we'll waive any withdrawal fees. An eligible nursing home is a licensed hospital or licensed skilled or intermediate confinement nursing facility where medical treatment is available.

The Terminal Illness waiver is available if you are 70 years old or younger at your annuity's issue date.

The Nursing Home waiver is available if you are 75 years old or younger at your annuity's issue date.

Retirement Flex may be a good fit if you want tax-deferred growth without committing everything as a single lump sum, you're moving money over from an existing 401(k), IRA, or annuity, or you like laddering terms — which also helps later when you're taking required withdrawals. It's not limited to strictly ”qualified” savings either. You can open a Non-Qualified Retirement Flex account with after-tax savings from a bank account, or move over funds from an existing non-qualified annuity or a 1035 exchange.

A direct rollover (or, between IRAs, a trustee-to-trustee transfer) typically avoids triggering tax. If the money is paid to you instead, your plan may withhold 20%, and any amount you don’t deposit within 60 days may be taxable, plus a possible 10% IRS tax penalty if your under age 59 ½. Confirm the specifics with a tax advisor before you move anything.

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.