Guaranteed growth for the retirement you planned for.
Lock in up to ${RATE_RM_UPTO} APY, protect your principal, and let your savings grow tax-deferred. No broker. No hidden fees. No market risk.
Built for retirement savings
The Retirement account is designed specifically for people building toward retirement. Your earnings grow tax-deferred, meaning you don't pay taxes on your gains each year. You pay when you withdraw.
This may work best if you are:
- Saving for retirement and want guaranteed, predictable growth
- Rolling over an IRA, 401(k), or 1035 exchange
- Looking for a safe place to grow savings you won't need to touch for a few years
- Expecting to be in a lower tax bracket when your term ends
Good to know: Withdrawals before age 59 1/2 are subject to a 10% IRS early withdrawal penalty, in addition to regular income taxes.
Everything you need. Nothing you don't.
Guaranteed APY
Your rate is locked for your entire term. No surprises, no fluctuations.
annual free withdrawals
Access up to 10% of your balance each year without early withdrawal fees.
principal protection
Your balance will never go down due to market conditions.
Hidden fees or commissions
No middlemen. No sales calls. No fine print. What you see is what you get.
How it works
Three steps. No broker required.
Apply
Apply in minutes with just the basic information needed to confirm your identity.
Fund
Transfer from a bank account, send a check, or use a qualified rollover from an IRA, 401(k), or 1035 exchange to fund your account.
Grow
Your money starts earning right away. Log in anytime to track your balance and see your earnings in real time.
Your money is in good hands
Gainbridge Life Insurance Company holds an A- (Excellent) rating from AM Best, the 4th highest rating out of 16. Your money is backed by financial strength you can verify.
As a subsidiary of Group 1001, which manages over ${AUM_DOLLAR} in assets, we're part of a family of stable financial services companies. More than 493,000 customers trust Group 1001 companies with their annuities and life insurance.
Gainbridge Life Insurance Company is regulated by state insurance departments and required by law to maintain reserves that ensure we can meet our obligations to you.
Our customer service teamis 100% US-based. No scripts, no runaround. Just real answers from people who actually know the product.
What Gainbridge members are saying
"Simple straight forward product"
"Simple straight forward product that simulates the ease of a CD with a higher interest rate payout. Love it!"
"Rates are significantly better than CDs"
"Rates are significantly better than CDs. Opening an account was straightforward and very easy."
"What I love is it acts just like a CD, but with much higher rates."
"I was doing a general search on the highest rate CDs and came across Gainbridge. What I love is it acts just like a CD, but with much higher rates."
Questions?
You buy directly from us online, which means we don't pay agent commissions or broker fees. Those savings go straight to your rate.
No. You open your account directly on our website without going through an agent or broker. This keeps costs down and puts you in control.
However, if you have questions along the way, we have a 100% US-based team of licensed experts available by phone, email, or chat to help.
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.
Call 1-866-252-9439 or email team@gainbridge.com. Our 100% US-based team of licensed professionals are available Monday through Friday from 8AM to 5PM EST.
Your retirement savings should work as hard as you did.
Growth you can count on. A rate that is locked. A process that does not require a broker or a phone call. Gainbridge Save makes it straightforward to protect and grow what you have already built.