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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the smooth application process and the ease of setting up accounts, with many completing the process without needing direct assistance. People highlight the user-friendly website and express satisfaction with the helpful and knowledgeable staff, who are quick to respond to inquiries. Consumers also value the competitive rates offered compared to other investment companies. The overall sentiment regarding payments and the website is mixed. While some reviewers found the funding process straightforward, others experienced confusion or delays, particularly with linking external accounts and transferring funds. A few consumers suggested improvements to the clarity of information on the website, especially concerning account verification and transfer statuses.

Based on these reviews

Rated 5 out of 5 stars
Verified

The online application was easy to complete as well as the transfer of funds from my savings account. I got confirming emails along the process to let me know the status of my application and trans... See more

Company replied

Rated 5 out of 5 stars
Verified

I was looking for someplace safe to invest a large sum that would help my husband and me to continue on into our 80s! I found Gainbridge just by doing an online search, and we are happy with them. Inv... See more

Company replied

Rated 5 out of 5 stars
Verified

It is very easy to setup any of the annuity account online. Very easy to navigate the website. Absolutely great annuity rate and factory Gainbridge gives you 45 days lock period, sufficient enough to... See more

Company replied

Rated 4 out of 5 stars
Verified

Your offer of 5.6% for five years was the best jumbo offer I could find anywhere. Thank you! It was several days, however, before I received any written confirmation of my account. It did cross my min... See more

Company replied

Rated 3 out of 5 stars
Verified

Took a long time to transfer 300K from Vanguard. Although I received the notice from Gainbridge that the account is fixed, it still shows as incomplete on dashboard

Company replied

Rated 5 out of 5 stars
Verified

I hold annuities from Global Atlantic, Symetra, Nationwide, and Athene via my Chase broker. When I registered online, I was amazed at how effortlessly it went. Whenever I required assistance, it... See more

Company replied

Rated 5 out of 5 stars
Verified

Very professional. Website is easy to navigate. I appreciate the exact details regarding the amount of interest that will be paid depending on the length of the annuity. I will recommend to my friends... See more

Company replied

Rated 5 out of 5 stars
Verified

Made an error Instead of 3years by accident went to 5years The Grainbridge people assured me to start over again using a withdraw. After reinvest for 3years.

Company replied

Rated 4 out of 5 stars
Verified

Fast and easy. Transfer time took a little longer than expected, but not a big deal. 4 stars only because it's been a short time, so still waiting to see how this annuity goes. Annuities still freak m... See more

Company replied

Rated 3 out of 5 stars
Verified

I had to come up with a password with very specialized characters and it was so difficult I simply gave up several times. While I certainly appreciate my funds and info being well-protected, succe... See more

Company replied

Rated 5 out of 5 stars
Verified

I had a great deal of difficulty moving my money from the account where it had been and Gainbridge kept sending new requests to that company and kept me updated on progress each time. I appreciated th... See more

Company replied

Rated 5 out of 5 stars
Verified

The process of opening an annuity was quick and easy. For questions I called and talked to a customer service representative and she was able to answer my questions. I look forward to working with G... See more

Company replied

Rated 4 out of 5 stars
Verified

I was able to complete the necessary forms easily. Also, I called twice and got a representative very quickly. Each time, the person was well-spoken and was able to address my questions promptly. My o... See more

Company replied

Rated 5 out of 5 stars
Verified

The process was easy when taking with your agent. Online was a bit confusing to know what to select when filling out application. Getting address to send funds from my fund source also required callin... See more

Company replied

Rated 3 out of 5 stars
Verified

Gainsbridge pulled my requested deposit twice. Mistakes happen, but this was a pretty big one that caused me to spend time with Gainsbridge to undo the mistake and with my bank to fix the problem. T... See more

Company replied

Rated 4 out of 5 stars
Verified

They could work on making the experience of verifying your account when not using plaid a little easier to follow. It was a little confusing the first time. Also on the portal, a little more informati... See more

Company replied

Rated 4 out of 5 stars
Verified

Good interest. Horrible technology. One thing you need to be able to do is add beneficiary at application time!!!

Company replied

Rated 5 out of 5 stars
Verified

Looking for an investment for my retirement savings. While searching through the investment opportunities, I noticed an annuity which had a great rate. I was like, "What's the catch." After doing s... See more

Company replied

Rated 3 out of 5 stars
Verified

Didn't have smooth process to get my external account linked. Started application on Aug 29th and provided requested external bank account information. Had hard time to get it validated. Called custom... See more

Company replied

Rated 5 out of 5 stars
Verified

The lady, Tristan whom I spoke with was professional, knowledgeable and friendly. She quickly answered each question I had and was very helpful while setting my account up. On another note, Tristan se... See more

Company replied

Rated 5 out of 5 stars
Verified

Very easy to sign up,activate accounts. Took a little longer than expected to transfer from ed jones but that could have been on their end idk. You don't post interest on account on weekends but that'... See more

Company replied

Rated 5 out of 5 stars
Verified

experience was good so far ! Just signed up for first 3 year annuity Easy to understand and perform set up Good help available doing it from on line and phone.

Company replied

Rated 3 out of 5 stars
Verified

So far the interest rate offered was better (by a 1;/4 %), than brokered rates . Other than that I am not impressed. I was quoted 1-2 days to complete funds transfer. Actually it took 4 days. During t... See more

Company replied

Rated 3 out of 5 stars
Verified

Since I've only now begun the process, the middle-ground three stars seems the most appropriate. I have no complaints; the experience has run smoothly and efficiently. Check back a year or so from now... See more

Company replied

Rated 5 out of 5 stars
Verified

Contacted a couple investment companies but when I told them the rate of return offered by Gainbridge they decided to end the call. No middle-men/women pressuring you to buy their product. I called... See more

Company replied

Rated 5 out of 5 stars
Verified

I am a new customer and just opened an account. So far everything has been easy to navigate and I'm glad I moved some of my savings into a FastBreak account.

Company replied

Rated 5 out of 5 stars

The whole application process is smoothly. I just applied for a SteadyPace product and completed it without any real person help. From a verification with my broker account, to deposit, and approved... See more

Company replied

Rated 4 out of 5 stars
Verified

Good & clear information advertised for the annuity available. Quick process to apply and request funding complete. Take a few days to get the funding transfer and start gaining interest in your accou... See more

Company replied

Rated 5 out of 5 stars
Verified

Easy to follow instructions. I experienced fast account set-up as well as transfer set up. It took 5 working days to appear in my new Gainbridge Account from my bank.

Company replied

Rated 5 out of 5 stars
Verified

The website is very user freindly & very easy to maneuver from start of the application to the finish. This is my 3rd policy with Gainbridge, I like how your able to pull up the policies & see how ea... See more

Company replied

Rated 4 out of 5 stars
Verified

I was doing a general search on the highest rate CDs and came across this Gainbridge annuity “CD”. I had never heard of Gainbridge or this type of annuity. And the crazy thing is, I showed it to m... See more

Company replied

Rated 4 out of 5 stars
Verified

You need to do some research before starting to invest in Gainbridge. Signing up on line is good but it takes the help of the people you contact on the phone. They go out of there way to find answers... See more

Company replied

Rated 5 out of 5 stars
Verified

Staff members are friendly and they reply any question you submitted on line very promptly. Return phone response quickly .also Communicate members when change in interest occurs.

Company replied

Rated 5 out of 5 stars
Verified

I appreciated it when I received a personal phone call to confirm that an adjustment had been made in my account to reflect a correction on my behalf, confirming my APY I am new to the Gainbridge pr... See more

Company replied

Rated 4 out of 5 stars
Verified

The digital approach worked very well and the telephone support was always excellent. The only problem was that the web portal showed the incorrect interest rate for several days. However, Gainbridg... See more

Company replied

Rated 4 out of 5 stars
Verified

I only have one disagreement with your policies. You should better explain that the annuity will be funded immediately unless you state funding by check. You should have a link to make a ACH payment.

Company replied

Rated 5 out of 5 stars
Verified

Great customer service. Your phone call is quickly answered by a person and not by a recording. The representative was knowledgeable, efficient, and able to answer my questions promptly. Online app... See more

Company replied

Rated 5 out of 5 stars
Verified

It was very easy to navigate through just learning about the Gainbridge Companies, how the investment application process worked so easily without rushing me. I actually paused my application a few t... See more

Company replied

Rated 5 out of 5 stars
Verified

I would recommend that you share the ratings for Gainbridge (A+, A-, A, B++, etc.) or any other insurance companies you team with for the annuity products.

Company replied

Rated 5 out of 5 stars
Verified

The process was easy to do and this is exactly the investment I was looking for. I have a small amount of money and no longer work,so I wanted make a little income without the risk of losing it. Gainb... See more

Company replied

Rated 5 out of 5 stars
Verified

Great experience. Happy with products and rates/terms. Process was real easy and communication was responsive and quick.

Company replied

Rated 5 out of 5 stars
Verified

all good, money i sent was credited quickly. higher interest rate than banks. I opted for a 3 year term. you can withdraw 10% of the total per year without penalty.

Company replied

Rated 5 out of 5 stars
Verified

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?

Company replied

Rated 4 out of 5 stars
Verified

It was all easy to set up but I was not able to receive communications from Gainbridge on my Android phone so I finally was able to complete the contract on a computer.

Company replied

Rated 5 out of 5 stars
Verified

Ease to purchase the product. Customer service is knowledgeable and friendly. Funding the account was easy. Web site easy to use.

Company replied

Rated 4 out of 5 stars
Verified

Your phone people were Very good & helpful However your email system was not so good

Company replied

Rated 5 out of 5 stars
Verified

Customer Service is exceptional! Also, it is great that you can purchase annuities without going through a broker.

Company replied

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Company details

  1. Insurance Agency
  2. Investment Service

About Gainbridge

Written by the company

banner image one

Gainbridge® was founded to be a better way for people to grow their money. Through our self-managed digital platform, we eliminated hidden fees and commissions, putting the power and more money back in your hands, which, really, is where it should have been all along.

How does buying annuities directly from Gainbridge® work?

1. Apply in minutes: Open an account with an easy, online application.

2. Fund your annuity: You can fund your annuity by a checking or savings account, check, or, for products that qualify, qualified transfer (typically an IRA, 401(k) or 1035 exchange).

3. Watch your money grow: To manage your account and see your growth, simply log into your Gainbridge® portal for real-time updates.

Apply now

Our online platform lets you buy our annuities directly. This means you get a transparent experience, putting the power and higher returns back in your hands.

Insurers rated A- (excellent) by AM Best for their financial strength1. And with Gainbridge® annuity products, you can cancel within 30 days of receiving your contract. We strive to give you the most trustworthy and transparent experience as we continue to offer annuities built for the 21st century.

We have real people ready to help real people. Our gold medal support team is here to help. Reach us by phone, email, or live chat.

Contact us



1A.M. Best Company assigns ratings from A++ to S based on a company’s financial strength and ability to meet obligations to contract holders. A- (Excellent) is the 4th highest of 16 ratings. For more information about the rating, visit www.ambest.com

Annuities issued by Gainbridge Life Insurance Company, Zionsville, Indiana. Products and/or features may not be available in all states. All guarantees based on the financial strength and claims paying ability of the issuing insurance company.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

990 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 97% of negative reviews

Typically replies within 48 hours


Rated 5 out of 5 stars
Verified

Very professional

Very professional. Website is easy to navigate. I appreciate the exact details regarding the amount of interest that will be paid depending on the length of the annuity. I will recommend to my friends and family

December 1, 2025
Gainbridge logo

Reply from Gainbridge

Sharon,

What a wonderful review - thank you! We're committed to providing exceptional service to each customer, and we're pleased to hear that this showed in your experience with Gainbridge®.

The Gainbridge® Team

Rated 4 out of 5 stars
Verified

Your phone people were Very good &…

Your phone people were Very good & helpful
However your email system was not so good

December 1, 2025
Gainbridge logo

Reply from Gainbridge

We're so pleased to hear about your positive interaction with Gainbridge® customer service team! Every customer deserves attentive, professional service, and we're glad we could provide that for you. At the same time, we are always looking to improve our communication, so thank you for noting your experience with our email communications.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Easy account setup with great rate

It is very easy to setup any of the annuity account online. Very easy to navigate the website. Absolutely great annuity rate and factory Gainbridge gives you 45 days lock period, sufficient enough to fund your account.

November 17, 2025
Gainbridge logo

Reply from Gainbridge

Chaitanya,

Your glowing review made our day! We believe in empowering our customers with annuities that support their financial goals, and we're delighted to hear that we've met your expectations.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Professional, straightforward, and timely

I was looking for someplace safe to invest a large sum that would help my husband and me to continue on into our 80s! I found Gainbridge just by doing an online search, and we are happy with them. Investing was straightforward and professionally handled in a timely manner.

November 19, 2025
Gainbridge logo

Reply from Gainbridge

Stephanie,

Thank you for this fantastic review! We believe in building long-term relationships with our customers, and we're delighted to hear that your experience reflects this commitment.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Seamless process

The online application was easy to complete as well as the transfer of funds from my savings account. I got confirming emails along the process to let me know the status of my application and transfer.

I made one phone call to Gainbridge to ask about naming my beneficiary, and was given direction about doing that as soon as I was invited onto the portal. The person I spoke to was easy to understand.

November 18, 2025
Gainbridge logo

Reply from Gainbridge

Debanne,

Your feedback about our easy-to-use platform is wonderful to hear! We're committed to maintaining this level of simplicity while providing comprehensive annuity solutions.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

they were helpfull

they were helpfull made the transition easy

November 26, 2025
Gainbridge logo

Reply from Gainbridge

Dennis,

Your feedback about our customer service is incredibly valuable! We believe that exceptional service is the foundation of a strong financial partnership, and we're pleased we could demonstrate this to you.

The Gainbridge® Team

Rated 4 out of 5 stars
Verified

Good interest

Good interest. Horrible technology. One thing you need to be able to do is add beneficiary at application time!!!

November 10, 2025
Gainbridge logo

Reply from Gainbridge

Vickie,

We're sorry to hear about your unsatisfactory experience with adding beneficiaries to your account. Your feedback is important to us, and we'd like to address your concerns personally. Please reach out to our dedicated support team at 1-866-252-9439 or team@Gainbridge.io so we can make things right.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Easy access

Easy access

November 3, 2025
Gainbridge logo

Reply from Gainbridge

Thank you for taking the time to share your positive experience with Gainbridge®! We're happy to hear that you're satisfied with our annuity products. Our commitment to providing transparent, reliable financial solutions remains unwavering, and we look forward to continuing to serve your financial needs.

The Gainbridge® Team

Rated 3 out of 5 stars
Verified

Took a long time to transfer 300K from…

Took a long time to transfer 300K from Vanguard. Although I received the notice from Gainbridge that the account is fixed, it still shows as incomplete on dashboard

November 25, 2025
Gainbridge logo

Reply from Gainbridge

Elena,

We apologize for any delays or difficulties with your transfer request. Protecting your assets is crucial, but we aim to make these transactions efficient. Please reach out to us directly at 1-866-252-9439 or team@Gainbridge.io - we'll prioritize reviewing your case and work to complete your request as quickly as possible.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Very happy with the communications I’ve…

Very happy with the communications I’ve had with your representatives.

November 17, 2025
Gainbridge logo

Reply from Gainbridge

Joe,

Thank you for this wonderful review! At Gainbridge®, we strive to be more than just an annuity provider - we aim to be a trusted partner in our customers' success stories.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Common sense

Made an error
Instead of 3years by accident went to 5years
The Grainbridge people assured me to start over again using a withdraw.
After reinvest for 3years.

November 25, 2025
Gainbridge logo

Reply from Gainbridge

Paul,

We're delighted to hear that our team was able to help rectify your annuity contract to the terms you'd like! At Gainbridge®, we believe that exceptional service is the foundation of lasting relationships.

The Gainbridge® Team

Rated 3 out of 5 stars
Verified

Funding was to long

November 4, 2025
Gainbridge logo

Reply from Gainbridge

Eduardo,

We understand your frustration with the transfer process. While we maintain certain security measures to protect your assets, we strive to make these transactions as smooth as possible. Please contact our transactions team directly at 1-866-252-9439 or team@Gainbridge.io - we'll review your specific case and work to expedite the process while maintaining necessary security protocols.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Customer Service is exceptional

Customer Service is exceptional! Also, it is great that you can purchase annuities without going through a broker.

November 9, 2025
Gainbridge logo

Reply from Gainbridge

Janet,

Thank you for highlighting our team's dedication to service! We'll be sure to recognize the representatives who assisted you and continue maintaining these high standards.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Service

Service, knowledge, and willingness to listen and help

November 15, 2025
Gainbridge logo

Reply from Gainbridge

Mark,

Thank you for sharing your wonderful experience! We believe that every customer interaction should be seamless and professional, and we're glad we could deliver on this promise.

The Gainbridge® Team

Rated 4 out of 5 stars
Verified

good people to work with

good people to work with, process was a little hard,but with help from staff it was ok

November 21, 2025
Gainbridge logo

Reply from Gainbridge

Your feedback about our customer service is incredibly valuable! We believe that exceptional service is the foundation of a strong financial partnership, and we're pleased we could demonstrate this to you.

The Gainbridge® Team

Rated 4 out of 5 stars
Verified

Navagating the application process is…

Navagating the application process is very manageable. Company credit rating is good. Rates are competitive

November 12, 2025
Gainbridge logo

Reply from Gainbridge

Mark,

We truly appreciate your kind words and support! At Gainbridge®, we strive to make financial planning straightforward and accessible through our annuities. Your feedback motivates us to maintain our high standards of service.

The Gainbridge® Team

Rated 4 out of 5 stars
Verified

I had some trouble getting set up

I had some trouble getting set up, but all seems to be going well now.

November 7, 2025
Gainbridge logo

Reply from Gainbridge

Catherine,

Thank you for taking the time to share your positive experience with Gainbridge®! We're happy to hear that you're satisfied with our annuity products and we could help you to get closer to your goals. Our commitment to providing transparent, reliable financial solutions remains unwavering, and we look forward to continuing to serve your financial needs.

The Gainbridge® Team

Rated 1 out of 5 stars
Verified

The length was supposed to be 3 years…

The length was supposed to be 3 years not 9. I may not be alive in 9 years.

November 13, 2025
Gainbridge logo

Reply from Gainbridge

Mark,

Thank you for bringing this to our attention! At Gainbridge® we have a 30 day free look period where if you're not satisfied with your contract or product, you can cancel your annuity contract for no charge and a full refund!

If this is something you're interested in, please contact our customer service team at 1-866-252-9439 or team@Gainbridge.io - we'll arrange for a dedicated representative to walk you through your policy details and answer any questions you have.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

The process was easy

The process was easy, customer service is very exceptional, and the experience has been great thus far!

November 4, 2025
Gainbridge logo

Reply from Gainbridge

Robert,

We're thrilled that you found our process straightforward and our customer service helpful! Our goal is to remove unnecessary complexity from annuity and financial services, and your review suggests we're on the right track.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Great experience

Great experience. Happy with products and rates/terms. Process was real easy and communication was responsive and quick.

November 19, 2025
Gainbridge logo

Reply from Gainbridge

Ron,

Thank you for recognizing our user-friendly approach! We believe that buying annuities and managing your financial future shouldn't be complicated, and we're glad you agree.

The Gainbridge® Team

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