Gainbridge
A direct-to-consumer, digital-first annuity platform - research, quote, and buy entirely online, with no agent or middleman - issued by an AM Best A--rated carrier and backed by the Group 1001 enterprise.
Financial strength
A-
AM Best
Digital-first, direct
Gainbridge lets consumers research, quote, apply for, and manage an annuity entirely online - no agent, IMO, broker-dealer, or bank in the middle.
AM Best A- (Excellent)
Annuities are issued by Gainbridge Life Insurance Company, which carries an A- (Excellent) rating from AM Best; the most recent action revised the outlook to positive.
Group 1001-backed
Part of Group 1001, a U.S. insurance enterprise (sibling to Delaware Life and Clear Spring) with roughly $81.6 billion in combined assets under management.
No middleman fees
Built for consumers who prefer not to be sold to - no traditional agent commissions and no hidden fees.
MYGA-focused
Gainbridge's platform centers on its Save multi-year guaranteed annuity (qualified and non-qualified), for guaranteed, tax-deferred growth.
Company overview
What Gainbridge is
Gainbridge is a direct-to-consumer, digital-first annuity platform. Consumers research, quote, apply for, and manage their annuity entirely online, with licensed representatives available for questions - a fintech-style experience rather than a traditional agent sale.
Checked 2026-06-30 · ARHQ carrier coverage
Annuity contracts are issued by the legal carrier Gainbridge Life Insurance Company (Delaware-domiciled), part of the Group 1001 enterprise, which reports roughly $81.6 billion in combined assets under management and 496,000-plus contracts and policies as of year-end 2025. Those are enterprise figures, not Gainbridge Life standalone metrics.
As of Dec 31, 2025 · ARHQ carrier coverage
On ARHQ, Gainbridge product cards are intentionally live-data driven: the profile supplies story and context, while product availability, declared rates, and terms come from CANNEX-backed feeds at render (products are being added to the ARHQ shelf).
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Model
Direct / digital
Direct-to-consumer digital annuity platform.
Checked 2026-06-30 · ARHQ carrier coverage
Enterprise AUM
~$81.6B
Group 1001 combined AUM (enterprise, not Gainbridge Life standalone), Dec 31, 2025.
As of Dec 31, 2025 · ARHQ carrier coverage
Issuer
Gainbridge Life
Delaware-domiciled issuing carrier (NAIC 15691), part of Group 1001.
Checked 2026-06-30 · ARHQ carrier coverage
AM Best
A- (positive)
A- (Excellent); outlook revised to positive at the Oct 2025 affirmation.
Affirmed Oct 2025 · ARHQ carrier coverage; AM Best
History highlights
Gainbridge launched as a direct-to-consumer digital annuity platform under Group 1001, built around an online purchase and account-management experience.
Checked 2026-06-30 · ARHQ carrier coverage
Its flagship offering is the Gainbridge Save multi-year guaranteed annuity, available in qualified and non-qualified versions.
Checked 2026-06-30 · ARHQ carrier coverage
In October 2025, AM Best affirmed the A- (Excellent) rating of Gainbridge Life Insurance Company and revised the outlook to positive.
Affirmed Oct 2025 · ARHQ carrier coverage; AM Best
A Group 1001 digital platform
Gainbridge is the digital annuity platform of Group 1001, a U.S. insurance and financial-services enterprise headquartered in Zionsville, Indiana. Annuity contracts are issued by Gainbridge Life Insurance Company - not by Delaware Life or any other sibling entity.
Checked 2026-06-30 · ARHQ carrier coverage
Group 1001 also operates Delaware Life and Clear Spring Life & Annuity, among other brands, and reports roughly $81.6 billion in combined assets under management (year-end 2025) - institutional scale behind a modern purchase experience.
As of Dec 31, 2025 · ARHQ carrier coverage
All contract guarantees depend on the claims-paying ability of Gainbridge Life Insurance Company as the issuing carrier.
Checked 2026-06-30 · ARHQ carrier coverage
Financial strength
AM Best
A-
Excellent financial-strength rating on Gainbridge Life Insurance Company; outlook revised to positive at the Oct 2025 affirmation.
Affirmed Oct 2025
What makes Gainbridge different
Buy an annuity entirely online
Gainbridge is a direct-to-consumer, digital-first platform: consumers research, quote, apply, and manage their annuity online without a traditional agent, IMO, broker-dealer, or bank - a fintech experience rather than a sales process.
Checked 2026-06-30 · ARHQ carrier coverage
No middleman, no hidden fees
Built for buyers who prefer not to be sold to, Gainbridge markets no traditional agent commissions and no hidden fees - a transparent, self-directed purchase.
Checked 2026-06-30 · ARHQ carrier coverage
Institutional backing
Gainbridge Life is part of Group 1001, an enterprise with roughly $81.6 billion in combined AUM (sibling to Delaware Life and Clear Spring) - institutional scale behind a modern purchase experience.
As of Dec 31, 2025 · ARHQ carrier coverage
A focused MYGA platform
Rather than a broad multiline catalog, Gainbridge centers on its Save multi-year guaranteed annuity (qualified and non-qualified) for guaranteed, tax-deferred growth - with rate detail resolved live when products are attached.
At render · ARHQ product catalog; CANNEX via AdvisorWorld
About Gainbridge
Gainbridge is a direct-to-consumer, digital-first annuity platform: consumers research, quote, buy, and manage an annuity entirely online, with licensed representatives available for support. Contracts are issued by Gainbridge Life Insurance Company, a Delaware-domiciled carrier and part of Group 1001.
Checked 2026-06-30 · ARHQ carrier coverage
Gainbridge Life carries an A- (Excellent) rating from AM Best, with the outlook revised to positive at its October 2025 affirmation. The Group 1001 enterprise behind it reports roughly $81.6 billion in combined AUM - an enterprise figure, not a Gainbridge Life standalone metric.
Checked 2026-06-30 · ARHQ carrier coverage; AM Best
On ARHQ, Gainbridge product pages stay product-specific: the carrier hub frames the lineup and routes each live product to its own page for current rates and disclosures as products are added to the ARHQ shelf.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
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Sources
- Gainbridge site — 2026-06-30
- ARHQ carrier coverage - Gainbridge overview, direct-to-consumer digital model, issuer Gainbridge Life (NAIC 15691), Group 1001 (~$81.6B enterprise AUM Dec 31 2025), AM Best A- (outlook positive, Oct 2025) — Checked 2026-06-30
- Live product catalog (Gainbridge Save MYGA, being added), rates, terms: CANNEX via AdvisorWorld public API — At render