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Best available rate
6.15%
10-yr guarantee · 10-yr surrender schedule · $100,000+ premium
Up to 6.15% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
50
Available jurisdictions
Rates as of November 13, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Gainbridge Retirement Flex
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Gainbridge product.
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Minimum premium
$100
Available guarantee terms
1, 2, 3, 4, 5, 6, 7, 8, 9, and 10 years
Available surrender terms
1, 2, 3, 4, 5, 6, 7, 8, 9, and 10 years
Free Comparison Report
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See how Gainbridge Retirement Flex compares for your age, state, premium, and income goals alongside other Gainbridge MYGA options.
Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | $100+Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|---|
| California · No MVA · No liquidity rider · Published version 1 | 1-Year | 1-Year schedule | Oct 13, 2026 | — | 4.85%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 1 | 2-Year | 2-Year schedule | Oct 13, 2026 | — | 4.95%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 1 | 3-Year | 3-Year schedule | Oct 13, 2026 | — | 5.5%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 1 | 4-Year | 4-Year schedule | Oct 13, 2026 | — | 5.5%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 1 | 5-Year | 5-Year schedule | Oct 13, 2026 | — | 5.7%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 1 | 6-Year | 6-Year schedule | Oct 13, 2026 | — | 5.7%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 1 | 7-Year | 7-Year schedule | Oct 13, 2026 | — | 5.8%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 1 | 8-Year | 8-Year schedule | Oct 13, 2026 | — | 5.8%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 1 | 9-Year | 9-Year schedule | Oct 13, 2026 | — | 5.8%Compound annual rate |
| California · No MVA · No liquidity rider · Published version 2 | 1-Year | Not available | Oct 13, 2026 | 3.25%Compound annual rate | — |
| Most states · MVA · No liquidity rider | 1-Year | 1-Year schedule | Oct 13, 2026 | — | 5%Compound annual rate |
| Most states · MVA · No liquidity rider | 2-Year | 2-Year schedule | Oct 13, 2026 | — | 5.1%Compound annual rate |
| Most states · MVA · No liquidity rider | 3-Year | 3-Year schedule | Oct 13, 2026 | — | 5.7%Compound annual rate |
| Most states · MVA · No liquidity rider | 4-Year | 4-Year schedule | Oct 13, 2026 | — | 5.7%Compound annual rate |
| Most states · MVA · No liquidity rider | 5-Year | 5-Year schedule | Oct 13, 2026 | — | 5.9%Compound annual rate |
| Most states · MVA · No liquidity rider | 6-Year | 6-Year schedule | Oct 13, 2026 | — | 5.9%Compound annual rate |
| Most states · MVA · No liquidity rider | 7-Year | 7-Year schedule | Oct 13, 2026 | — | 6%Compound annual rate |
| Most states · MVA · No liquidity rider | 8-Year | 8-Year schedule | Oct 13, 2026 | — | 6%Compound annual rate |
| Most states · MVA · No liquidity rider | 9-Year | 9-Year schedule | Oct 13, 2026 | — | 6%Compound annual rate |
| Most states · MVA · No liquidity rider | 10-Year | 10-Year schedule | Oct 13, 2026 | — | 6.15%Compound annual rate |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Certain period, Single lifePublished payout options from the normalized contract facts.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Carrier Ratings
Free Comparison Report
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See how Gainbridge Retirement Flex compares for your age, state, premium, and income goals alongside other Gainbridge MYGA options.
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