Group 1001 owns Gainbridge. Group 1001 is an insurance holding company. You still open and manage your account directly with Gainbridge, online, with no broker or middleman in between.

Gainbridge Life Insurance Company (NAIC #15691), is a Delaware-domiciled insurance company with its principal office in Zionsville, Indiana. Gainbridge Life is licensed and authorized to do business in 49 states (excluding New York and Puerto Rico).

Gainbridge Life Insurance Company holds an A- (Excellent) financial strength rating from AM Best. That's the 4th highest rating out of 16. For more information about the rating, visit www.ambest.com.

You're not locked out of your own money. Every Gainbridge Save account lets you withdraw up to 10% of your account value each year, penalty free. If you need more than that before your term ends, an early withdrawal fee and market value adjustments apply to the amount above 10%. If you change your mind entirely, you can cancel within 30 days of opening for a full refund of your principal balance. And once your term matures, you can withdraw your full balance with no fees at all. However, if you are under 59 ½, an IRS early withdrawal tax penalty may apply to a withdrawal from a Gainbridge Save Retirement Account.

Once you have an active policy, your guaranteed interest rate is locked in for your entire term, no matter what happens to rates afterward. Gainbridge's rates apply to new accounts and can move up or down over time based on market conditions, but a rate change never touches an account you've already opened. When your term matures, you'll have the choice to renew at the rate available then, choose a new term, or withdraw your full balance without any fees. For tax deferred annuities, withdrawals made before 59 ½ may be subject to a 10% federal income tax penalty.

Yes. Gainbridge was founded in 2018 and is a proud subsidiary of Group 1001, which has approximately ${AUM_DOLLAR} billion of combined assets under management as of ${AUM_DATE}. Gainbridge Life Insurance Company, the issuing company for Gainbridge annuities, is also rated A- (Excellent) by A.M. Best and rated "Excellent" on Trustpilot by Gainbridge customers.

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Yes. Gainbridge is an insurance company, part of Group 1001, that has been open since 2018 and holds an A- (Excellent) rating from AM Best and a 4.5 out of 5 stars “Excellent” rating on Trustpilot. Group 1001 manages $86.1 billion in assets and serves more than 540,000 active policies. Every Gainbridge Save account is backed by Gainbridge Life Insurance Company, and your money is invested conservatively to protect what you put in.

No. Gainbridge Save is a fixed annuity, not a bank deposit account, so it isn't FDIC insured, the same way stocks, bonds, and other insurance products aren't. Instead, your principal is protected in two ways: 100% principal protection built into Gainbridge Save, and the financial strength of the issuing insurance company, which holds an A- rating from AM Best. Gainbridge Save is backed by Gainbridge Life Insurance Company, and your money is invested conservatively rather than exposed to market risk.

We use industry-standard security measures to protect your account, including password protection, encryption, two-factor authentication, and regular security audits.

We invest in both public and private markets, including traditional investments like corporate bonds, mortgage-backed securities, and similar securities. Our investments are based on fundamental credit analysis and are well-matched with the policies we write. Most of the returns are credited to you. We keep a small spread to cover our costs and run the business.