Up to ${RATE_RM_UPTO} guaranteed APY for your retirement.
Earn up to ${RATE_RM_UPTO} APY with tax-deferred growth, 100% principal protection, and no broker required. Open your account online in minutes.
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You found the rate. Here's the company behind it.
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 managesover ${AUM_DOLLAR} in assets, we're part of a family of stable financial servicescompanies. More than 493,000 customers trust Group 1001 companies with theirannuities 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 you get with a Retirement account
Guaranteed APY
Your rate is locked for your entire term. It doesn't move with the market.
growth
Your earnings grow without being taxed each year. You pay taxes when you withdraw.
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.
Built for retirement savings
The Retirement account isthe tax-advantaged option within Gainbridge Save. Your earnings grow withoutbeing taxed each year, and you pay taxes only when you withdraw, making it a strong fit for long-term retirement planning.
This account may be a good fit if you're:
- Saving specifically for retirement
- Rolling over a 401(k), IRA, or a 1035 exchange
- Expecting to be in a lower tax bracket when your term ends
- Looking for a guaranteed alternative to market-based retirement accounts
Good to know: Withdrawals before age 59½ are subject to a 10% IRS early withdrawal penalty in addition to regular income taxes, just like a traditional IRA or 401(k).
How it works
Three steps. No broker required.
Apply
Open your account online in minutes. Just the basic information needed to confirm your identity.
Fund
Transfer funds from a bank account, send a check, or use a qualified rollover like an IRA, 401(k), or 1035 exchange to fund your account.
Grow
Your money starts earning right away. Log in anytime to track performance and see your earnings in real time.
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."
More than a CD can offer
Gainbridge Save Annuity
Average fixed annuity
Average CD
APY
APY
APY
Guaranteed rate
Guaranteed rate
Guaranteed rate
Principal protected
Principal protected
Principal protected
Early access
Early access
Early access
Fees
Fees
Fees
Tax-deferred option
Tax-deferred option
Tax-deferred option
Non tax-deferred option
Non tax-deferred option
Non tax-deferred option
Save
Other annuities
APY
APY
Guaranteed rate
Guaranteed rate
Principal protected
Principal protected
Early access
Early access
Fees
Fees
Tax-deferred option
Tax-deferred option
Non tax-deferred option
Non tax-deferred option
Save
CDs
APY
APY
Interest rate guaranteed
Interest rate guaranteed
Principal protected
Principal protected
Early access
Early access
Fees
Fees
Tax-deferred option
Tax-deferred option
Non tax-deferred option
Non tax-deferred option
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.
A guaranteed rate. No market risk. No broker inbetween. Open a Retirement account with Gainbridge Save and know exactly what you'll earn before you put in a single dollar.