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Withdrawals above the free amount are subject to both a Market Value Adjustment (MVA) and surrender charges. The MVA adjusts your value based on interest rate changes. Surrender charges decrease each year and are waived in cases of terminal illness, nursing home confinement, death, annuitization, or during the final 30-day window of the term.

None. There are no annual contract or administrative fees.

The designated beneficiary receives the Contract Value plus interest, minus any applicable taxes. A surviving spouse may elect to continue the contract instead of receiving the benefit as a lump sum.

Includes built-in Terminal Illness Waiver and Nursing Home Confinement Waiver that may waive surrender charges and MVA if certain conditions are met.

Available in California for both qualified and non-qualified contracts.

This California contract is purchased with a single premium and begins crediting interest at a guaranteed rate from the Contract Date. The annuity grows tax-deferred and allows penalty-free withdrawals under specified conditions. Upon maturity, policyholders can renew, annuitize, or fully withdraw their funds. The product includes built-in waivers for terminal illness and nursing home confinement but offers no optional riders. There are no recurring administrative or maintenance fees.

At the end of the Guaranteed Interest Rate Period, California policyholders may:

Equals the Contract Value minus any applicable withdrawal charges and Market Value Adjustment (MVA). Guaranteed to be no less than the Minimum Guaranteed Contract Value, as defined by the contract.

 is a single premium, individual deferred annuity available in California, issued by Gainbridge Life Insurance Company. It is designed for clients who are seeking long-term accumulation for retirement savings and lifetime income, with guaranteed interest growth and tax-deferred earnings. The product is not intended for short-term goals. SteadyPace™ ensures principal protection and fixed interest crediting over a selected investment period, referred to as the Guaranteed Interest Rate Period .

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 ￼.

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

If the contract owner passes away prior to annuitization, the beneficiary will receive the full contract value plus any applicable interest, minus any premium taxes. A surviving spouse in New Jersey may continue the contract in lieu of a lump-sum death benefit.

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

New Jersey contract owners may withdraw up to 10% of the premium or RMD in the first contract year. In all subsequent years, they may withdraw up to 10% of the contract value (or RMD) on the most recent anniversary date without incurring surrender charges or a Market Value Adjustment (MVA).

Available in New Jersey for both qualified (e.g., IRA) and non-qualified plans.

The SteadyPace™ annuity contract in New Jersey is issued with one premium payment and provides a guaranteed fixed interest rate for the full duration of the selected term. The contract grows on a tax-deferred basis and includes provisions for penalty-free withdrawals under specific conditions, as well as waivers for terminal illness and nursing home confinement. At the end of the term, policyholders in New Jersey can elect to renew, annuitize, or fully withdraw their funds without penalty. The contract includes no optional riders or annual fees.

At the end of the guaranteed period, New Jersey policyholders can choose to:

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.

Withdrawal charges apply to any amount withdrawn above the free withdrawal limit within the guaranteed interest rate period. The charge is a percentage of the amount withdrawn and decreases over time. For example, a 5-year contract has the following charges by contract year: 5%, 5%, 4%, 3%, 2%. These charges are waived for California residents under the return of premium provision, during the final 30 days of the period, or upon death or annuitization.

If you die before annuitization, your beneficiary will receive the contract value plus any applicable interest, minus applicable taxes. Beneficiaries can choose lump sum or settlement options.

California residents can withdraw the full return of premium at any time without incurring withdrawal charges.

In the first contract year, you can withdraw up to 10% of the premium without penalties. In following years, you may withdraw up to 10% of the contract value on the most recent anniversary without incurring withdrawal charges or market value adjustments (MVA).

Available only on a non-qualified basis. Not eligible for IRAs or 1035 exchanges in California.

This annuity allows you to invest a single premium and lock in a fixed interest rate for a chosen guaranteed interest rate period (3 to 10 years). It offers predictable growth, free annual withdrawals up to a limit, and a return of premium benefit specific to California. At the end of the term, you can renew, withdraw funds, or annuitize the value. The contract does not include optional riders and charges only apply for early withdrawals beyond free limits.

At the end of the guaranteed period, you may: (1) start a new term at then-current rates, (2) annuitize the full value, or (3) withdraw funds penalty-free during the 30-day window. If you do nothing, the contract renews automatically for a 1-year term.

Surrender value is the contract value minus any applicable withdrawal charges or MVA. It is guaranteed to be at least the minimum guaranteed contract value.

 is a single premium, individual deferred annuity designed for individuals seeking guaranteed accumulation of savings at a fixed interest rate over a selected term, with principal protection. It is issued by Gainbridge Life Insurance Company and tailored to California residents. Unlike most annuities, FastBreak™ is not tax-deferred—interest earned is taxable annually.

A Withdrawal Charge applies if the withdrawal exceeds the free withdrawal amount. The percentage varies depending on the chosen Guaranteed Interest Rate Period and contract year.

A single payment equal to the contract value at the owner’s death, minus any taxes.

Includes Terminal Illness Waiver and Nursing Home Confinement Waiver to exempt certain charges if eligibility criteria are met 

Up to 10% of the premium or RMD (as calculated by Gainbridge) may be withdrawn annually without withdrawal charges or MVA.

Single Premium, Individual, Deferred Annuity, Fixed Multi-Year Guaranteed Annuity (MYGA).

The SteadyPace™ annuity is designed for long-term accumulation and not for short-term liquidity. It allows a single premium payment and locks in a guaranteed interest rate for a selected term. Withdrawals are allowed with restrictions, and income payments can begin on the annuity income date. The contract includes a death benefit and options for annuitization but offers no optional riders.

Auto-renewal into a new Guaranteed Interest Rate Period unless action is taken.

Contract Value minus any withdrawal charges and MVA, but not less than the Minimum Guaranteed Contract Value. 

 is a single premium individual deferred annuity issued by Gainbridge Life Insurance Company. It is a multi-year guaranteed annuity (MYGA) designed to help individuals accumulate interest at a fixed, guaranteed rate over a chosen period. It ensures principal protection and tax-deferred growth until funds are accessed or annuitized. This product is targeted at long-term savers aiming for retirement income stability.

Surrender charges apply during the selected Guaranteed Interest Rate Period for withdrawals exceeding the free withdrawal amount. These charges decline over time. 

Equal to Contract Value + applicable interest − applicable taxes.

Terminal Illness Waiver and Nursing Home Confinement Waiver included

10% of the premium (Year 1); 10% of prior anniversary’s Contract Value (from Year 2).

Single Premium Individual Deferred Annuity.

This annuity is issued on Contract Form Number ICC23-D-NTDMYGA-BASE and is structured around a single premium payment, meaning there are no additional premium contributions after purchase. It guarantees accumulation at a fixed rate for a selected duration (3 to 10 years). At the end of the selected period, policyholders can choose to renew, annuitize, or withdraw/surrender. The contract includes free withdrawal features, terminal illness and nursing home confinement waivers, and a basic death benefit with no optional riders.

At term-end, contract can be renewed, annuitized, or surrendered. If no action is taken, the contract renews automatically.

 is a Single Premium Individual Deferred Annuity offered by Gainbridge Life Insurance Company. Designed for individuals seeking fixed, guaranteed growth on their savings, it allows for accumulation over a guaranteed interest rate period. Unlike traditional tax-deferred annuities, FastBreak™ is a non-qualified product where interest is taxed annually, but it avoids the federal 10% excise tax on early withdrawals. It appeals to savers who prioritize predictable returns, flexibility at term-end, and who are comfortable with taxable annual interest growth.

Gainbridge SteadyPace (California)

Gainbridge SteadyPace (New Jersey)

Gainbridge FastBreak (New Jersey)

Gainbridge FastBreak (California)

Gainbridge SteadyPace™

Gainbridge FastBreak™