Gainbridge has no annual fees or sales commissions.

Each year, you can withdraw up to 10% penalty-free. Withdrawals above that amount are subject to withdrawal charges and market value adjustments. In your first year, the 10% is calculated from your initial deposit. After that, it's based on your account value each anniversary.

A Market Value Adjustment is an adjustment applied to withdrawals exceeding your 10% free withdrawal amount. This is an adjustment that reflects how current interest rates compare to the interest rates in effect when the contract was originally issued.

An early withdrawal fee applies to withdrawals over 10% in a given year before the end of your term. Early withdrawal fees typically start at 5% in the first year and decrease over the guaranteed term.

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.

In the first year, you can withdraw up to 10% of your deposit. Starting in the second year, you can withdraw up to 10% of your account's anniversary value. These withdrawals are not subject to withdrawal or market value adjustment charges; however if you are under 59 1/2 an IRS early withdrawal tax penalty may apply to a withdrawal from a Save Retirement Account.

Each year, you can withdraw up to 10% penalty-free. Withdrawals above that amount are subject to withdrawal charges and market value adjustments.

In your first year, the 10% is calculated from your initial deposit. After that, it's 10% penalty free based on your account value each anniversary.

This gives you access to your earnings while your money continues to grow.