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Legal Disclosures & Documents

Last Updated: DECEMBER 31, 2025

General Disclosures

Gainbridge Insurance Agency, LLC, a Delaware limited liability company (“Gainbridge”), is a digital platform and wholly-owned subsidiary of Group 1001 Insurance Holdings, LLC (“Group 1001”). Group 1001 is an insurance holding company in the United States with current combined assets under management of approximately ${AUM_DOLLAR_ROUNDED} billion as of ${AUM_DATE}. The products currently offered on the Gainbridge® platform are a multi-year guaranteed annuity and a registered index-linked annuity. The annuities offered on the Gainbridge® platform and/or certain features may not be available in all states. Annuities may be subject to Surrender/Withdrawal or Accumulation Charges.

Gainbridge Save Retirement

The Gainbridge Save Retirement multi-year guaranteed annuity product with form number ICC22-D-MYGA-BASE, or variations of such, is issued by Gainbridge Life Insurance Company; (NAIC#15691) (“Gainbridge Life”), a Delaware-domiciled insurance company with its principal office in Zionsville, Indiana. Gainbridge Life is currently licensed and authorized to do business in 49 states (all states except New York), and the District of Columbia. Annuities contain limitations, early termination charges and adjustments. For more information about the annuity offered on the Gainbridge® platform, please review the Gainbridge Save Retirement Multi-Year Guaranteed Annuity (“MYGA”) Product Summary as available on the Gainbridge® website. Rates and fees are subject to change by the issuing insurance company.

Gainbridge Save Retirement Disclosures & Summaries

Product summary
Product summary for California residents
Product summary for New Jersey residents

Gainbridge Save Traditional

The Gainbridge Save Traditional multi-year guaranteed annuity product with form number ICC23-D-NTDMYGA-BASE, or variations of such, is issued by Gainbridge Life Insurance Company; (NAIC#15691) (“Gainbridge Life”), a Delaware-domiciled insurance company with its principal office in Zionsville, Indiana. Gainbridge Life is currently licensed and authorized to do business in 49 states (all states except New York), and the District of Columbia. Annuities contain limitations, early termination charges and adjustments. The Gainbridge Save Traditional annuity is not a tax-deferred annuity, rather it is taxed annually. For more information about the annuity offered on the Gainbridge® platform, please review the Gainbridge Save Traditional Multi-Year Guaranteed Annuity (“MYGA”) Product Summary as available on the Gainbridge® website. Rates and fees are subject to change by the issuing insurance company.

Gainbridge Save Traditional Disclosures & Summaries

Product summary
Product summary for California residents
Product summary for New Jersey residents

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A.M. Best Company assigns ratings from A++ to S based on a company's financial strength and ability to meet obligations to contract holders. A- (Excellent) is the 4th highest of 16 ratings. Visit www.ambest.com for Gainbridge Life Insurance Company rating information. Ratings are current as ${AM_BEST_DATE} and subject to change.  
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Gainbridge® is a branded subsidiary of Group 1001, which has ${AUM_DOLLAR} in combined assets under management as of ${AUM_DATE}.  
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Annual Percentage Yield (“APY”) rates are subject to change at any time and may no longer be current. Rates may vary based on the amount and term selected.  
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Source: Bankrate.com, national average of 5-year CD, week of ${CD_DATE}. Rates subject to change.  

Source: annuityadvantage.com, national average of 5-year guaranteed annuity, week of ${AVG_RATE_DATE}. Rates subject to change.
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Withdrawals are taxed as ordinary income. Withdrawals above the 10% free withdrawal amount may result in a surrender charge and/or a market value adjustment (MVA). Any withdrawal will reduce your contract value, and your initial deposit will not be guaranteed. For tax deferred annuities, withdrawals made before age 59½ may also be subject to a 10% federal income tax penalty.  
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These reviews reflect the personal experience of a customer and are provided for informational purposes only. Reviews are not representative of the experience of all customers and are not guarantees of future performance or success. The reviews are not financial advice.  

Y
ou growth is only guaranteed to the extent that you do not take withdrawals prior to the end of the term.
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Annuities (referred to as “Accounts”) are issued by Gainbridge Life Insurance Company (NAIC#15691) (“Gainbridge Life”), a Delaware-domiciled insurance company with its principal office in Zionsville, Indiana. Gainbridge Life is currently licensed and authorized to do business in 49 states (all states except New York), and the District of Columbia. The annuities offered on the Gainbridge® platform and/or certain features may not be available in all states. Annuities are insurance products are not insured by the FDIC, the NCUSFI, or any other governmental agency. Guarantees are based on the financial strength and claims paying ability of the issuing insurance company. This material is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax, accounting, investment, or fiduciary advice. Customers should confer with their tax, legal, and accounting professionals in addition to consulting with a financial professional.  Certificates of Deposit (CDs) and non-tax deferred annuities are distinct financial products, each with their own characteristics and purposes. CDs are deposit accounts offered by banks and credit unions, insured by the FDIC or NCUA. Annuities, on the other hand, are insurance products offered by insurance companies.  
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The Save Retirement multi-year guaranteed annuity product with form number ICC22-D-MYGA-BASE, or variations of such and the Save Traditional™ multi-year guaranteed annuity product with form number ICC23-D-NTDMYGA-BASE, or variations of such are all  issued by Gainbridge Life Insurance Company.

©{{year}} Gainbridge® INSURANCE AGENCY, LLC. ALL RIGHTS RESERVED.