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Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the renewal window. California uses a distinct surrender-charge schedule.

None (no optional riders are offered with SteadyPace).

None. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries receive the full contract value in a lump sum, unaffected by surrender charges or MVA. A spouse beneficiary may elect to continue the contract. Once annuitized, remaining payments follow the elected settlement option.

• Withdrawals within the final 30 days of a guarantee period

(Nursing Home and Terminal Illness waivers are not part of this product.)

During each contract year, owners may withdraw up to 10% of the premium (year 1) or 10% of the prior anniversary contract value (years 2+) without surrender charges or MVA. Only one tax-year RMD is allowed per contract year. Multiple withdrawals may be taken within the 10% annual limit. 

SteadyPace MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 4-, 5-, 6-, 7-, 8-, 9-, or 10-year term, during which interest grows tax-deferred. Each contract year, the policy allows penalty-free withdrawals up to 10% of the premium (year 1) or contract value (years 2+), while withdrawals above this amount may be subject to withdrawal charges and a Market Value Adjustment (MVA). At the end of each guarantee period, the contract renews automatically, and the owner may accept renewal, surrender without penalty, annuitize, or transition to another term.

At the end of each guarantee period, SteadyPace enters a renewal window during which the owner may renew the contract for a new term at the declared renewal rate, surrender the policy without surrender charges or MVA, apply the contract value to an available settlement option, select a different guarantee period, or take a penalty-free withdrawal before renewal. If no election is made, the contract automatically renews for the same guarantee period at the then-current renewal rate.

The surrender value equals the account value minus any applicable surrender charges and MVA, but not less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.

™ MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Gainbridge Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility, making it ideal for conservative savers seeking stable accumulation. With penalty-free withdrawals up to 10% annually and straightforward contract mechanics, SteadyPace supports long-term financial planning with security, simplicity, and consistent growth. 

Withdrawals exceeding the 10% free withdrawal limit are subject to surrender charges and a Market Value Adjustment (MVA). The MVA adjusts your surrender value based on changes in interest rates since the contract was issued. Surrender charges decline annually depending on the length of the term selected. These charges are waived under the following conditions in New Jersey: death of the owner, qualifying terminal illness, nursing home confinement, annuitization, or during the 30-day period following the end of the term ￼.

(These are included at no additional cost.)

None. There are no annual maintenance or contract charges in New Jersey.

If the owner dies before annuitization, beneficiaries receive the full contract value, unaffected by surrender charges or MVA. Each beneficiary may take a lump sum or select a settlement option. A surviving spouse may elect to continue the contract. Once annuitized, remaining payments follow the elected settlement option.

Includes Terminal Illness Waiver and Nursing Home Confinement Waiver—either can eliminate withdrawal charges and market value adjustments if eligibility is met.

After the first contract year, owners may withdraw up to 10% of the contract value based on the prior anniversary without surrender charges or MVA. In the first contract year, up to 10% of premium or Required Minimum Distribution (RMD) is available without penalty. Only one tax-year RMD may be taken per contract year. Multiple withdrawals may be taken within this 10% allotment.

SteadyPace MYGA is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 4-, 5-, 6-, 7-, 8-, 9-, or 10-year term, during which interest grows tax-deferred. After the first contract year, the policy allows annual penalty-free withdrawals up to 10% of the contract value, while withdrawals above this amount may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of each guarantee period, a renewal window provides flexibility for renewal, surrender, annuitization, or transition to another term without penalty

At the end of each guarantee period, the SteadyPace MYGA enters a renewal window during which the owner may renew the contract for the same term at the declared renewal rate, surrender the policy without any surrender charges or MVA, apply the contract value to an available settlement option, select a different guarantee period, or take a partial penalty-free withdrawal and renew the remaining value into a new term. If no election is made during this window, the contract automatically renews for the same guarantee period at the then-current renewal rate.

In New Jersey, the surrender value equals the contract value minus any applicable withdrawal charges and MVA. This amount is guaranteed never to be less than the minimum guaranteed contract value as defined in the contract .

 is a single premium, individual deferred annuity offered in New Jersey by Gainbridge Life Insurance Company. It is designed for clients who seek long-term accumulation of retirement savings with guaranteed interest growth, principal protection, and tax-deferred compounding. This fixed multi-year guaranteed annuity (MYGA) allows New Jersey residents to invest once and receive guaranteed returns over a selected period ranging from 3 to 10 years

If you withdraw more than the 10% free amount in any contract year, surrender charges and MVA apply. The surrender charge percentage varies by term and year, decreasing over time. Charges are waived under specific conditions, such as terminal illness, nursing home confinement, death, or during the 30-day window at the end of the term.

The beneficiary will receive the full contract value on the date Gainbridge receives proof of the owner’s death, minus applicable taxes. Payment may be made as a lump sum or via settlement options.

You may withdraw up to 10% of the premium in the first contract year. In subsequent years, you may withdraw up to 10% of the most recent Contract Anniversary’s value without incurring charges.

Only available on a non-qualified basis. It cannot be purchased through a 1035 exchange or within a qualified retirement plan.

This annuity requires a one-time premium payment and offers guaranteed growth through fixed interest rates over terms ranging from 3 to 10 years. It includes options for renewal, full or partial withdrawals, or annuitization at the end of the selected term. New Jersey policyholders also receive additional waivers for terminal illness and nursing home confinement. There are no optional riders and no ongoing administrative fees.

At the end of the guaranteed term, the contract can be renewed for a new period, annuitized, or fully withdrawn. If no action is taken, it automatically renews for another Guaranteed Interest Rate Period.

Surrender Value equals the Contract Value minus any applicable withdrawal charges and market value adjustment (MVA). It will always be at least the minimum guaranteed contract value.

™ is a single premium, individual deferred annuity that guarantees a fixed interest rate for a selected term and is designed to grow your money predictably. It is issued by Gainbridge Life Insurance Company. This product does not offer tax deferral—interest earned is taxable annually—and is intended for those comfortable paying annual taxes on interest in exchange for avoiding early withdrawal penalties before age 59½.

Withdrawals exceeding the annual 10% free-withdrawal amount, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each contract year until reaching 0% at maturity. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window.

None (FastBreak™ does not offer optional riders)

If the owner dies before annuitization, beneficiaries receive the full Contract Value in a lump sum, unaffected by surrender charges or MVA. Once annuitized, remaining payments follow the elected settlement option.

The following charges are automatically waived in the California FastBreak™ contract:

• Application of full Contract Value to annuitization

• Withdrawals within 30 days before the end of the Guaranteed Interest Rate Period

• Withdrawals during any automatic one-year renewal period

After the first contract year, owners may withdraw up to 10% of the prior anniversary contract value without surrender charges or MVA, subject to the California contract terms. Multiple withdrawals may be taken within the 10% limit.

Available exclusively for Non-Qualified funds.

(Not eligible for Qualified accounts, IRAs, Roth IRAs, SEP IRAs, employer plans, or 1035 exchanges.)

The Gainbridge FastBreak™ MYGA (California) is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Gainbridge Life Insurance Company that provides fixed, guaranteed interest growth and full principal protection across multiple guarantee periods. Unlike traditional MYGAs, FastBreak™ is not tax-deferred, and interest is taxed annually as credited. This makes it well-suited for conservative savers seeking predictable accumulation, guaranteed growth, and straightforward mechanics without the early IRS penalties that apply to traditional tax-deferred annuities. With penalty-free access beginning in the first contract year and a clear renewal framework, FastBreak™ supports long-term planning through simplicity, transparency, and steady performance.

At the end of each guarantee period, the FastBreak™ MYGA enters a 30-day renewal window during which the owner may renew for the same or a different term, surrender the contract without charges, apply the value to a settlement option, or complete a partial penalty-free withdrawal before renewal. If no election is made, the contract automatically renews for a one-year term at the declared renewal rate.

The surrender value equals the Contract Value minus applicable surrender charges and MVA, but not less than the minimum nonforfeiture benefit under California law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Gainbridge Life Insurance Company that provides fixed, guaranteed interest growth and full principal protection across multiple guarantee periods. Unlike traditional MYGAs, FastBreak™ is not tax-deferred, and interest is taxed annually as credited. This makes it well-suited for conservative savers seeking predictable accumulation, guaranteed growth, and straightforward mechanics without the early IRS penalties that apply to traditional tax-deferred annuities. With penalty-free access beginning in the first contract year and a clear renewal framework, FastBreak™ supports long-term planning through simplicity, transparency, and steady performance.

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window.

SteadyPace™ does not offer additional optional riders beyond the built-in waivers.

If the owner dies before annuitization, beneficiaries receive the full contract value in a lump sum, unaffected by surrender charges or MVA, reduced only by applicable premium tax. A surviving spouse may elect to continue the contract as the new owner.

 Waives surrender charges and MVA for qualifying long-term care confinement as outlined in the contract.

 Waives surrender charges and MVA for qualifying terminal illness as defined in the contract.

(These waivers are automatically included at no additional cost.)

Beginning in the first contract year, owners may withdraw up to 10% of the premium (Year 1) or 10% of the contract value based on the prior anniversary (Years 2+), or the IRS Required Minimum Distribution (RMD), whichever is greater. One tax-year RMD may be taken per contract year. Withdrawals within this allowance avoid surrender charges and MVA.

The Gainbridge SteadyPace™ MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Gainbridge Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility and is designed for individuals seeking long-term, stable accumulation. SteadyPace™ provides straightforward mechanics, daily interest crediting, and guaranteed growth for the selected period, making it suitable for conservative savers prioritizing safety, clarity, and guaranteed returns.

At the end of each guarantee period, the SteadyPace™ MYGA enters a 30-day renewal window during which the owner may renew the contract for a new term at the declared renewal rate, surrender the policy without any surrender charges or MVA, apply the contract value to an available settlement option, select a different guarantee period, or take a partial penalty-free withdrawal and renew the remaining value into a new term. If no election is made during this window, the contract automatically renews for a new guarantee period at the then-current renewal rate.

The surrender value equals the contract value minus any applicable surrender charges and MVA, but not less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.

 MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Gainbridge Life Insurance Company that provides fixed, tax-deferred interest growth and full principal protection across 3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year guarantee periods. It delivers predictable, contractually guaranteed rates insulated from market volatility and is designed for individuals seeking long-term, stable accumulation. SteadyPace™ provides straightforward mechanics, daily interest crediting, and guaranteed growth for the selected period, making it suitable for conservative savers prioritizing safety, clarity, and guaranteed returns.

Withdrawals exceeding the free-withdrawal limit or a full surrender during the guarantee period are subject to Withdrawal Charges and may also incur an MVA. Charges decline annually until the end of the term.

(Included at no cost; not optional add-ons.)

If the owner dies before annuitization, beneficiaries receive the full contract value on the date of death, unaffected by surrender charges or MVA. 

Once annuitized, remaining payments follow the selected settlement option.

(qualifying confinement; conditions apply)

Waives Withdrawal Charges and MVA when eligibility criteria are met.

Owners may withdraw up to 10% of the premium during the first contract year and up to 10% of the prior-anniversary contract value in subsequent years without surrender charges or MVA.

FastBreak™ may not be purchased with IRA, Roth IRA, SEP IRA, qualified funds, or through a 1035 exchange. 

FastBreak™ is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate daily for the entire duration of the selected guarantee period. The owner makes a one-time premium payment and selects a 3-, 4-, 5-, 6-, 7-, 8-, 9-, or 10-year term. Interest is guaranteed for the full selected period. The policy allows penalty-free withdrawals up to 10% of the premium in the first contract year and 10% of the prior-anniversary contract value annually thereafter. Withdrawals above this amount may be subject to Withdrawal Charges and a Market Value Adjustment (MVA). At the end of each guarantee period, the owner may renew at then-current rates, annuitize, or withdraw funds. If no election is made, the contract automatically renews for a new guarantee period. 

At the end of each guarantee period, the owner may renew the contract for a new term at the declared rate, annuitize, withdraw funds without charges, or select a different guarantee period. If no election is made, the contract automatically renews for a new guarantee period at current rates.

The surrender value equals the contract value minus applicable Withdrawal Charges and MVA, but not less than the Minimum Guaranteed Contract Value defined by Standard Nonforfeiture Law. 

 MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Gainbridge Life Insurance Company that provides fixed interest growth and full principal protection across 3-, 4-, 5-, 6-, 7-, 8-, 9-, and 10-year guarantee periods. Unlike most MYGAs, FastBreak™ does not offer tax-deferred growth—interest is taxed annually. 

It delivers predictable, contractually guaranteed rates insulated from market volatility, making it a strong option for conservative savers seeking fixed accumulation over a set term and who prefer to avoid IRS early-withdrawal penalties prior to age 59½. With penalty-free access to 10% of value annually and straightforward mechanics, FastBreak™ supports secure accumulation with simplicity and certainty.

Gainbridge – SteadyPace™ MYGA (California)

Gainbridge – SteadyPace™ MYGA (New Jersey)

Gainbridge – FastBreak™ MYGA (New Jersey)

Gainbridge – FastBreak™ MYGA (California)

Gainbridge – SteadyPace™ MYGA (3-, 4-, 5-, 6-, 7-, 8-, 9-, 10-Year Terms)

Gainbridge – FastBreak™ MYGA (3-, 4-, 5-, 6-, 7-, 8-, 9-, 10-Year Terms)