What is the minimum guaranteed surrender value for Gainbridge – SteadyPace™ MYGA (California)?

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.

What is the minimum premium amount for Gainbridge – SteadyPace™ MYGA (California)?

The minimum premium amount is $1,000.

What is the maximum issue age for Gainbridge – SteadyPace™ MYGA (California)?

The maximum issue age is 90 years.

What is the current interest rate for Gainbridge – SteadyPace™ MYGA (California)?

The current interest rate is 4.45%.

What is the surrender charge schedule for Gainbridge – SteadyPace™ MYGA (California)?

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.

What are the best rates available for Gainbridge – SteadyPace™ MYGA (California)?

The best available rate is 5.80% for a 10 year term.

Gainbridge

Gainbridge – SteadyPace™ MYGA (California)

About this product

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, 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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	5.75%
4 Years	5.75%
5 Years	5.80%
6 Years	5.80%
7 Years	5.80%
8 Years	5.80%
9 Years	5.80%
10 Years	5.80%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$1,000.00 - $99,999.00	4.45%
$100,000.00 - $1,000,000.00	5.75%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage