Gainbridge Flex

Give your savings goals a boost with a guaranteed rate

Lock in a fixed interest rate between ${RATE_TD_RANGE}, protect yourself from market volatility, and watch your money grow. Get started for as little as $100.


Try it for 30 days, no strings attached.

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What is Flex?

Gainbridge Flex is the most flexible annuity on the market, created for 
non-retirement financial goals.

Unlike other annuities, you can access your savings before retirement age, contribute to your premium regularly over time, and get started for as little as $100.

Flex offers more flexibility than CDs with a higher guaranteed rate than typical high yield savings accounts.

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See FAQs
 High Yield Cash Management AccountsCertificate of DepositBroad Stock Market ETFs
Average Losses
- 13% during downturns
Principle Protected
Yes, if invested for 
the entire duration
LiquidityFully liquidNot liquid for length 
of termVery liquid
Average Losses
Principle ProtectedYes, if invested for 
the entire duration
Liquidity1 to 10 years
High Yield Cash 
Management Accounts
Average Losses
Principle Protected
LiquidityFully liquid
Certificate 
of Deposit
Average Losses
Principle ProtectedYes, if invested for 
the entire duration
LiquidityNot liquid for length 
of term
Broad Stock 
Market EFTs
Average Losses- 13% during downturns
Principle Protected
LiquidityVery liquid

What is Flex?

Rate Guaranteed

4.75% to 6.00%

Your rate is locked for your entire term.No surprises, no fluctuations.

Principal protection

100%

Your balance will never go down due to market conditions. Ever.

Need help?

US-based support

No more dealing with bots or overseas teams who don’t understand the product. Our team is 100% U.S.-based and dedicated to helping you.

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Who Gainbridge Flex 
is best for:

Most fixed-rate products want a lump sum upfront. Flex lets you contribute over time - starting at just $100 - while earning one of the highest guaranteed rates available in the fixed income market.

True

Most fixed-rate products want a lump sum upfront. Flex lets you contribute over time - starting at just $100 - while earning one of the highest guaranteed rates available in the fixed income market.

True

Most fixed-rate products want a lump sum upfront. Flex lets you contribute over time - starting at just $100 - while earning one of the highest guaranteed rates available in the fixed income market.

True

Looking for a retirement product? Check out Retirement Flex

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How it works?

Put money in.
Watch it work. Get paid later.

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001

Choose Your Terms

Choose your preferred term length and savings rates. Longer terms lock in higher rates.

Choose Your Terms
Multiple Goals? No Problem
002

Multiple Goals? No Problem

Choose your preferred term length and savings rates. Longer terms lock in higher rates.

001

Choose your terms

Choose your preferred term length and savings rates. Longer terms lock in higher rates.

Choose your terms
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How much you can save?

Testimonials

Customer testimonials

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I feel secure buying an annuity from an A-rated company with strong finances. Without a long wait on the phone, knowledgeable & courteous customer service is available. Competitive interest rates.

Arvind

Excellent customer service, a competitive and simple to understand product with an attractive rate, no commissions from a company with a high rating from AM Best - the leading insurance rating agency in the world.

Daniel R

Excellent rate. Pain-free quick online application (no agent!). Responsive support. Informative, user friendly interface. Over 70 billion in assets. What's not to love?

S. Berger

My first transaction with Gainbridge, I was a little nervous about the transfer of funds between banks and Gainbridge. There was a small period of time where I didn’t know who was holding my funds. After my initial transaction and understanding now how the process works my second transaction went so much better as there was no anxiety and everything went very smooth, and able to make my transaction right before the interest rates drop. Really like the Gainbridge Account Portal!

Doran

The best MYGA rates, helpful knowledgeable staff who are reachable by phone, easy-to-use web site, timely communications regarding progress of application. They keep it simple & make it easy. Learned about Gainbridge from knowledgeable people who contribute to the bogleheads forum.

Sue in Virgina

I have several annuities with various companies. I like that with Gainbridge you don't deal with a middleman. The process is simple and the rates are some of the best.

Dave

The on let me experience for starting and funding the annuity was stress free and fast. It took less than 5 business days to activate the contract. You start earning interest on your money as soon as Gainbridge receives the money.

John

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

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

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

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

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

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. Steve McEvoy

Stephen

Very competitive fixed annuity interest rates and easy and clear site. Also, provided informative and friendly customer service.

William

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

This is my second Gainbridge product. The rates are amazing and the purchase/set-up process is extremely easy.

Sondra

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

Honestly, the whole process was so easy and quick I questioned whether or not this could be real. My rate on a three year MYGA was higher than any other guaranteed investment I could find.

Anthony

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

Easy to navigate website. Easy to order an annuity and glad there are no fees going to an annuity salesperson. Documentation was easy to sign online. Easy to ad bank accounts to. Customer Services answered the phone in a reasonable amount of time.

Ann

Good customer service, and direct-to-consumer sales confirms it's me who's the customer (and not some broker).

Joe

While I consider myself an above-average investor, I have to admit that I was not very familiar with the Gainbridge annuities and based on all the negative research I’ve done on traditional annuities, I was concerned about putting my money into this; but considering they offer their FastBreak MYGA with as little as a 3 year contract, I considered it better than any other CD or money market account I can find at the moment. The process to invest was very easy and the information they provided was sufficient. I will reserve my full review after my contract is fully matured, but so far so good, and only time will tell.

Peoria

Great rate on the fixed rate annuity. Better than any bank cd. That got my business. Great company rating. Easy easy sign up, sent them a check and done.

Signore

Helpful and informative, happy with the results for my new account which was easy and straightforward to do.

Amy

Fast communications, so far so good. It feels like a trustworthy place for my hard earned savings and I'm sure as CD's mature in other locations they'll be headed for the Bridge!

Gerald

Unbelievable rate, quality service, process transparency, easy to navigate website and knowledgeable reps. All in all, I'm very satisfied. Cheers, DG

David

Excellent customer support and very smooth online experience from preparing an application to the activation of two Roth IRA policies for myself and my wife. The rate is very competitive and can open a policy with premium from very low to high when compared to other fixed annuity companies. Will definitely add more policies to Gainbridge platform when policies from other companies reach the maturity dates.

Jim & Jane

I discovered that Gainbridge offered a high-yielding annuity (FastBreak) on-line. I completed a straight-forward, simple application and received a response within 24 hours. My annuity was up and running within three business days. I could not be happier with my decision to invest through Gainbridge. I look forward to making more investments through Gainbridge in the future.

Stephen

So far, so good. Everything has gone as I had been told it would. It was easy to apply, then purchase my annuity on line. A week after first applying, I was able to see my account online with interest already building. I am happy and impressed

Deborah

The entire process of obtaining the annuity with Gainbridge has been very easy, from being able to speak with representatives on several occasions regarding questions about the annuity product to funding. Everything went smoothly and Gainbridge exceeded my expectations.

Jeffrey

Simple straight forward product that simulates the ease of a CD with a higher interest rate payout. Love it!

Sarah

The rates are phenomenal. I’m very glad I’ve found them. Happy to bring my business here

Amber

Setting up my own MYGA was simple. The process was much faster than the annuities that I set up with other companies that required a use a qualified agent to set them up. And the rate is higher too!

Anonymous
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