Guaranteed growth. Zero guesswork.
Lock in a fixed interest rate between ${RATE_ENTIRE_RANGE} APY, protect your principal, and watch your money work.
What you get with a Gainbridge Save annuity
Gainbridge Save guarantees your growth for the entire term, so you know exactly what you'll make and when, while keeping your initial deposit protected.
Guaranteed APY
Your rate is locked for your entire term. No surprises, no fluctuations.
Principal protection
Your balance will never go down due to market conditions. Ever.
Annual free withdraws
Access up to 10% of your balance each year without early withdrawal fees.
Hidden fees or commissions
What you see is what you get. No middlemen, no sales calls, no fine print.
Put money in. Watch it work. Get paid later.
Apply
Apply in minutes with 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 annuity.
Grow
Your money starts earning right away. Log in anytime to track performance and see your earnings in real time.
Customize how you Save
All Gainbridge products include these core benefits: guaranteed interest rates, principal protection, and 10% annual free withdrawals. What you choose is how you want your earnings taxed with Gainbridge Save Traditional and Retirement account types.
With a Traditional account, your earnings are taxed each year, just like a CD. You won't face a large tax bill at the end of your term.
This option could be best if you're:
- Saving for flexible goals like education, a major purchase, or a safety net
- Under 59½ and want access to your money without IRS penalties
- Trying to avoid a big jump to a higher tax bracket at the end of your term
Good to know: Because you're paying taxes as you go, the Traditional account gives you more flexibility on when and how you access your money.
With a Retirement account, your earnings grow without being taxed each year. You pay taxes on withdrawals, unless you have funded with a Roth account.
This option could be best if you're:
- Saving for retirement
- Rolling over a 401(k), IRA, or 1035 exchange
- Expecting to be in a lower tax bracket when your term ends
Good to know: Withdrawals before age 59½ will be subject to a 10% IRS early withdrawal penalty, in addition to regular income taxes.
Why people trust Gainbridge
We didn't invent the annuity. We just made it easier to understand and easier to buy.
AM Best rating
Gainbridge Life Insurance Company holds an A- (Excellent) rating from AM Best, the 4th highest out of 16. Your money is backed by financial strength you can verify.
Assets under management
As a proud subsidiary of Group 1001, which has ${AUM_DOLLAR} in assets under management, we're part of a family of stable financial services companies.
(If you need them)
Our customer service team is 100% US-based. Get real answers from people who actually know the product.
Trustpilot rating
Members call us "straightforward," "easy," and "a no-brainer." We take that as the highest compliment.
What Gainbridge members say
"I feel they are really looking out for my best interests and financial safety.”
"The Gainbridge staff is very responsive and helpful. Every question I have asked has been addressed quickly, completely, and courteously. I feel they are really looking out for my best interests and financial safety. My confidence continues to grow."
“The rates are excellent and the process is straightforward. Highly recommend.”
"This company is really good. So far the annuities work exactly as explained. Every time I had a question the reps were patient, knowledgeable and honest. The rates are excellent and the process is straightforward. Highly recommend."
.avif)
"I am very satisfied with my decision."
"While I consider myself an above-average investor, I was skeptical at first. The experience completely changed that. The platform is intuitive, funding was easy, rates are great, and customer service exceeded expectations. I am very satisfied with my decision."
How Gainbridge compares
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
Your money is protected
When you put money in with Gainbridge, you want to know it's safe. Here's what backs every guarantee we make.
Gainbridge Life Insurance Company is regulated by state insurance departments.
We don't take chances with your money. Our portfolio spans public and private markets, built on investment grade bonds, government securities, and other income assets selected through fundamental credit analysis. Every investment is carefully matched to the policies we write, so your savings stay steady through ups and downs.
Let your money work for you.
You've worked hard for your money. Gainbridge lets your money do the same. Growth you can count on with terms you actually understand.