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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the user-friendliness of the website and the app, finding them easy to navigate. Consumers also highlight the helpfulness and knowledge of the customer service team and staff, who are described as professional and quick to respond to inquiries. People feel supported throughout the process, from initial contact to account setup. Many reviewers found the application process straightforward, especially when interacting with the agents. The competitive rates of return are a significant draw for investors. However, some users reported issues with payment processes, particularly regarding fund transfers and account verification, with a few mentioning delays and confusion.

Based on these reviews

Rated 5 out of 5 stars
Verified

I hold annuities from Global Atlantic, Symetra, Nationwide, and Athene via my Chase broker. When I registered online, I was amazed at how effortlessly it went. Whenever I required assistance, it... See more

Company replied

Rated 4 out of 5 stars
Verified

They could work on making the experience of verifying your account when not using plaid a little easier to follow. It was a little confusing the first time. Also on the portal, a little more informati... See more

Company replied

Rated 5 out of 5 stars
Verified

Looking for an investment for my retirement savings. While searching through the investment opportunities, I noticed an annuity which had a great rate. I was like, "What's the catch." After doing s... See more

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Rated 4 out of 5 stars
Verified

I only have one disagreement with your policies. You should better explain that the annuity will be funded immediately unless you state funding by check. You should have a link to make a ACH payment.

Company replied

Rated 3 out of 5 stars
Verified

Gainsbridge pulled my requested deposit twice. Mistakes happen, but this was a pretty big one that caused me to spend time with Gainsbridge to undo the mistake and with my bank to fix the problem. T... See more

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Rated 3 out of 5 stars
Verified

Didn't have smooth process to get my external account linked. Started application on Aug 29th and provided requested external bank account information. Had hard time to get it validated. Called custom... See more

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Rated 3 out of 5 stars
Verified

Since I've only now begun the process, the middle-ground three stars seems the most appropriate. I have no complaints; the experience has run smoothly and efficiently. Check back a year or so from now... See more

Company replied

Rated 5 out of 5 stars
Verified

Very easy to sign up,activate accounts. Took a little longer than expected to transfer from ed jones but that could have been on their end idk. You don't post interest on account on weekends but that'... See more

Company replied

Rated 4 out of 5 stars
Verified

Good & clear information advertised for the annuity available. Quick process to apply and request funding complete. Take a few days to get the funding transfer and start gaining interest in your accou... See more

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Rated 5 out of 5 stars
Verified

Staff members are friendly and they reply any question you submitted on line very promptly. Return phone response quickly .also Communicate members when change in interest occurs.

Company replied

Rated 5 out of 5 stars
Verified

You made the process and the transfer of funds painless. I called to ask a question before I invested and I talked with someone that I had no trouble understanding and who was knowledgable.

Company replied

Rated 4 out of 5 stars
Verified

The application process was smooth & does not require help. But you should remember that the day payment goes out, you get the interest rate as of that day and not the day you start the application.

Company replied

Rated 5 out of 5 stars
Verified

Contacted a couple investment companies but when I told them the rate of return offered by Gainbridge they decided to end the call. No middle-men/women pressuring you to buy their product. I called... See more

Company replied

Rated 5 out of 5 stars
Verified

Gainbridge customer service representative has been helpful in setting up my account. They are easy contact and respond quickly in solving the issue at hand. I look forward to working with this compan... See more

Company replied

Rated 5 out of 5 stars
Verified

The process was easy when taking with your agent. Online was a bit confusing to know what to select when filling out application. Getting address to send funds from my fund source also required callin... See more

Company replied

Rated 5 out of 5 stars
Verified

I made a mistake when fill and submitting a MYGA contract. Although it was not possible to modify and correct the error, I was assisted in effecting a cancellation. I will submit a new corrected... See more

Company replied

Rated 5 out of 5 stars
Verified

Gainbridge is high on my list of investment institutions as they offer an above market rate of return on invested funds. Besides offering very low risk investments, they provide the best in customer s... See more

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Rated 5 out of 5 stars
Verified

The lady, Tristan whom I spoke with was professional, knowledgeable and friendly. She quickly answered each question I had and was very helpful while setting my account up. On another note, Tristan se... See more

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Rated 4 out of 5 stars
Verified

Simple to set up and fund I was happy that interest accrued immediately because it took a week to show in account. I would be interested to see an app as opposed to always having to access via websi... See more

Company replied

Rated 5 out of 5 stars
Verified

Their Customer Service Team is very knowlegdeable, pleasant and professional. They were very helpful in arranging funds transfer while I was out of the country. I had an issue regarding the timing of... See more

Company replied

Rated 4 out of 5 stars
Verified

I was doing a general search on the highest rate CDs and came across this Gainbridge annuity “CD”. I had never heard of Gainbridge or this type of annuity. And the crazy thing is, I showed it to m... See more

Company replied

Rated 4 out of 5 stars
Verified

I was very pleased with the personal, actual human contact provided by Gainbridge in the setting up of my 5 year Annuity. I reduced the rating to 4 Stars due to a rather slow Direct Trustee to Tr... See more

Company replied

Rated 4 out of 5 stars
Verified

Gainbridge offers fixed rate annuities returning well above competitor's yields. Terms are explained clearly, and signing up for a new annuity is easy, once you are on the right web page.

Company replied

Rated 5 out of 5 stars
Verified

The Gainbridge account was easy to set up and view online. Telephone access for answers to questions was immediate…Didn’t have to wait for an account specialist to return my call. Everyone was extreme... See more

Company replied

Rated 4 out of 5 stars
Verified

Smooth transaction. The only thing I didn’t like is I started the application did not finish because the money was not available but received email saying the rate was fixed for 29 days and went I pur... See more

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Rated 3 out of 5 stars
Verified

It was relatively easy to set up my account in the beginning. I got a notice that my funds had been transferred and I would hear back in 3 business days. It's been over a week and I'm wondering wha... See more

Company replied

Rated 3 out of 5 stars
Verified

Like the platform and MYGA options. Did have issues funding my latest MYGA, as the paperwork was filled out incorrectly. I found the issue, shared it with a Gainsbridge representative, and it was su... See more

Company replied

Rated 3 out of 5 stars
Verified

They offer a good rate 3 year annuity. The application is fairly easy, but they took 2.5 weeks to get my annuity processed and started. I sent several emails and they would reply with, "just 2-3 mor... See more

Company replied

Rated 3 out of 5 stars
Verified

Takes too long for money transfer. Unable to change beneficiary online. Possible a good investment vehicle. Only time will tell.

Company replied

Rated 3 out of 5 stars
Verified

I was told I would be notified when a contract was active and funds deposited. I did not receive any such confirmation. I logged in and saw it for myself.

Company replied

Rated 5 out of 5 stars
Verified

My purpose to open & fund this annuity is its interest return of 5.65% and accumulate as much return on my money for three years. That is my retirement income.

Company replied

Rated 4 out of 5 stars
Verified

I was able to figure out what I needed to understand about a new product from the website. Then I was able to set up my account and send a check and then be notified when the check arrived. I do not... See more

Company replied

Rated 5 out of 5 stars
Verified

The online application process was easy, and I was kept up to date on the process through email. It took two days for the account to be funded and I started earning interest on the 2nd day. Complete... See more

Company replied

Rated 5 out of 5 stars
Verified

So far the customer service has been prompt and polite. Has answered all my inquiries and given me proper answers to my questions.

Company replied

Rated 4 out of 5 stars
Verified

Great to have a phone number where you can talk directly to a person. Very upsetting that their connection to passwords was so confusing. Had a lot of trouble and had to completely end one application... See more

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Rated 4 out of 5 stars
Verified

Representatives very pleasant and knowledgeable. Online application process has been harder and more time consuming than expected. Most recent transaction made even more time consuming to complete... See more

Company replied

Rated 4 out of 5 stars
Verified

Staff by phone or email pretty solid and mostly responsive in a reasonable amount of time over the course of a month and a half preparation to lock in my rate and time funding to it’s expiation etc

Company replied

Rated 5 out of 5 stars
Verified

The website was easy to navigate and explained my options clearly. When I called to speak to a representative I got a call back in just a few minutes and she answered all my questions.

Company replied

Rated 5 out of 5 stars
Verified

Very easy to open account. Loved that I could electronically transfer funds and not have to run to FedEx with a physical check!

Company replied

Rated 3 out of 5 stars
Verified

I'm just getting started and will be investing more funds soon. It's too early to give a fair assessment. Hoping the future investment will be easy.

Company replied

Rated 4 out of 5 stars
Verified

Everything has been easy with the exception of trying to add a beneficiary to my Fast Track account.

Company replied

Rated 4 out of 5 stars
Verified

Mostly felt good on the processing, but don't know why till now still can't see the transfered fund displayed in my account.

Company replied

Rated 5 out of 5 stars
Verified

Just opened a FastBreak annuity. I'm a 76 year old who has almost no skills with the tech world. Could not believe how easy the application process was. Very happy with the rates also.

Company replied

Rated 5 out of 5 stars
Verified

I appreciate the heads up about the rate changes, it allowed me to open a new MYGA and secure the better rates. I have 5 MYGAs now and have been pleased with all of them.

Company replied

Rated 5 out of 5 stars
Verified

I had questions and I had to get it all done through my illness. I did not get everything done in time that I wanted. The staff was patient, explained the process again and I was able to complete e... See more

Company replied

Rated 5 out of 5 stars
Verified

Their people make my experience great. Each time I called they were super helpful.

Company replied

Rated 4 out of 5 stars
Verified

Easy transition from my Life insurance to Gainbridge. You speak with Americans.

Company replied

Rated 5 out of 5 stars
Verified

My application was promptly reviewed and approved. The review was thorough and communication was clear and timely.

Company replied

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Company details

  1. #78 of 103 best companies in Insurance Agency
  2. #27 of 57 best companies in Investment Service

About Gainbridge

Written by the company

banner image one

Gainbridge® was founded to be a better way for people to grow their money. Through our self-managed digital platform, we eliminated hidden fees and commissions, putting the power and more money back in your hands, which, really, is where it should have been all along.

How does buying annuities directly from Gainbridge® work?

1. Apply in minutes: Open an account with an easy, online application.

2. Fund your annuity: You can fund your annuity by a checking or savings account, check, or, for products that qualify, qualified transfer (typically an IRA, 401(k) or 1035 exchange).

3. Watch your money grow: To manage your account and see your growth, simply log into your Gainbridge® portal for real-time updates.

Apply now

Our online platform lets you buy our annuities directly. This means you get a transparent experience, putting the power and higher returns back in your hands.

Insurers rated A- (excellent) by AM Best for their financial strength1. And with Gainbridge® annuity products, you can cancel within 30 days of receiving your contract. We strive to give you the most trustworthy and transparent experience as we continue to offer annuities built for the 21st century.

We have real people ready to help real people. Our gold medal support team is here to help. Reach us by phone, email, or live chat.

Contact us



1A.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. For more information about the rating, visit www.ambest.com

Annuities issued by Gainbridge Life Insurance Company, Zionsville, Indiana. Products and/or features may not be available in all states. All guarantees based on the financial strength and claims paying ability of the issuing insurance company.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

897 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 96% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars
Verified

Ease to open an account and invest

Ease to open an account and invest. After opening I called...and spoke to a very polite, knowledgeable and friendly person...from the United States!!

October 15, 2025
Gainbridge logo

Reply from Gainbridge

Max,

We're delighted to hear about your positive experience with our customer service representatives. At Gainbridge®, we believe in building strong relationships through transparent communication and dedicated support.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

My questions were promptly and…

My questions were promptly and thoroughly answered. Thanks for your professionalism!

October 15, 2025
Gainbridge logo

Reply from Gainbridge

Detreece,

We're thrilled to hear about your positive customer service experience! Our team strives to provide personalized, professional support with every interaction, and we're glad we could deliver.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Great Rate

Great Rate. Easy to apply! Helped when needed!

October 3, 2025
Gainbridge logo

Reply from Gainbridge

Daniel,

We're pleased you appreciate our rate offerings! Balancing competitive annuity rates with reliable service is core to our mission at Gainbridge®

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Guided me through process quickly

Guided me through process quickly
Very responsive to issues that arose with 1035 company funds were transferred from

August 25, 2025
Gainbridge logo

Reply from Gainbridge

Gene,

Thank you for recognizing our commitment to exceptional service! Our team takes pride in providing knowledgeable, friendly support, and we're pleased we could assist you effectively.

The Gainbridge® Team

Rated 1 out of 5 stars
Verified

Terrible customer service

I have two and half million with Gainbridge. Went to put another 100 grand in and got screwed around and nobody could answer any questions. Then your phone system would not take calls what a joke. When they mature I'm out of this company.

October 2, 2025
Gainbridge logo

Reply from Gainbridge

Hi MIke,

We're disappointed to hear about your difficulty getting clear answers from our team. This isn't the level of service we strive to provide. Please reach out to us directly at 1-866-252-9439 or team@Gainbridge.io - we'll assign a dedicated representative who will ensure you receive consistent, clear communication and thorough answers to all your questions.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

It was easy to open an account and when I needed help, the response was immediate.

When I needed more help in opening my account, an easier form was sent to me and everything went very smoothly. I am happy with the experience and happy with the rate!

October 7, 2025
Gainbridge logo

Reply from Gainbridge

Ruth,

Thank you for recognizing our customer service team! We take pride in providing professional and knowledgeable support. We'll make sure to share your kind words with our team members who assisted you.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Quick turn around time to invest from…

Quick turn around time to invest from my checking account. Helpful customer service

October 10, 2025
Gainbridge logo

Reply from Gainbridge

Barbara,

We appreciate you highlighting the simplicity of our process! Making annuity services more accessible is a core part of our mission, and we're pleased it showed in your experience.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Short wait times for customer service

Short wait times for customer service, ease of use of website , the process of moving money and opening a annuity account was seamless. no fees or commissions!

October 2, 2025
Gainbridge logo

Reply from Gainbridge

Joseph,

We're grateful for customers like you who take the time to share their positive experiences. Your trust in Gainbridge® motivates us to maintain the highest standards in annuities and financial services.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Ease of investing

Ease of investing, online transaction clear and efficient, fast funding and great rates.

October 12, 2025
Gainbridge logo

Reply from Gainbridge

Leticia,

Thank you for highlighting our streamlined process! We've invested significantly in creating an intuitive digital experience, and we're glad it met your expectations.

The Gainbridge® Team

Rated 4 out of 5 stars
Verified

Overall experience very good

The digital approach worked very well and the telephone support was always excellent. The only problem was that the web portal showed the incorrect interest rate for several days. However, Gainbridge informed me of the problem before I noticed it and said that they were correcting the issue which they did.

October 7, 2025
Gainbridge logo

Reply from Gainbridge

Tom,

We're thrilled that you found our process straightforward and our support team communicative and helpful! Our goal is to remove unnecessary complexity from annuity and financial services, and your review suggests we're on the right track.

THe Gainbridge® Team

Rated 5 out of 5 stars
Verified

It was very easy to navigate through…

It was very easy to navigate through just learning about the Gainbridge Companies, how the investment application process worked so easily without rushing me. I actually paused my application a few times and referred back to it for a couple of days while I researched Gainbridge and the investment online. I had been leary about investing my hard earned retirement funds online. I'm glad I did the due diligence, more earnings for me with no expenses or commissions deducted from my account.

September 30, 2025
Gainbridge logo

Reply from Gainbridge

Philip,

Thank you for your wonderful review! We're proud to have earned your trust and confidence. Our team works hard to ensure every customer receives the attention and service they deserve.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified
Gainbridge logo

Reply from Gainbridge

Don,

Thank you for noting how easy it was to use our Gainbridge® platform! We understand that annuity services should be accessible, and we're glad we could provide you with a smooth experience.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified
Gainbridge logo

Reply from Gainbridge

Scott,

Thank you for noting how easy it was to use our Gainbridge® platform! We understand that annuity services should be accessible, and we're glad we could provide you with a smooth experience.

The Gainbridge® Team

Rated 4 out of 5 stars
Verified

Easy to understand and and to set up…

Easy to understand and and to set up account.

September 26, 2025
Gainbridge logo

Reply from Gainbridge

Connie,

Your feedback about our easy-to-use platform is wonderful to hear! We're committed to maintaining this level of simplicity while providing comprehensive annuity solutions.

The Gainbridge® Team

Rated 4 out of 5 stars
Verified

Everything has been easy for the…

Everything has been easy with the exception of trying to add a beneficiary to my Fast Track account.

October 7, 2025
Gainbridge logo

Reply from Gainbridge

Dorinda,

Your comments about our easy navigation make us proud! Thank you for bringing up feedback about adding a beneficiary to your account. We continuously work to improve our digital experience, and feedback like yours helps confirm we're meeting our customers' needs.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

It was not dificlut

It was not dificlut

October 7, 2025
Gainbridge logo

Reply from Gainbridge

William,

We're pleased to hear that you found our Gainbridge® platform easy to navigate! Our goal is to make annuities accessible and user-friendly. Thank you for choosing Gainbridge® for your financial needs.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

new customer

good service answered questions timely

September 29, 2025
Gainbridge logo

Reply from Gainbridge

Thank you for acknowledging our excellent customer service! Our team members are passionate about helping our customers achieve their financial goals, and we're pleased this was reflected in your interaction.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Gainbridge customer service…

Gainbridge customer service representative has been helpful in setting up my account. They are easy contact and respond quickly in solving the issue at hand. I look forward to working with this company.

September 16, 2025
Gainbridge logo

Reply from Gainbridge

Judith,

Thank you for acknowledging our excellent customer service! Our team members are passionate about helping our customers achieve their financial goals, and we're pleased this was reflected in your interaction.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Easy and secure transaction

Easy and secure transaction. Very thankful.

October 1, 2025
Gainbridge logo

Reply from Gainbridge

Scott,

Thank you for noting how easy it was to use our Gainbridge® platform! We understand that annuity services should be accessible, and we're glad we could provide you with a smooth experience.

The Gainbridge® Team

Rated 5 out of 5 stars
Verified

Their people make my experience great

Their people make my experience great. Each time I called they were super helpful.

October 6, 2025
Gainbridge logo

Reply from Gainbridge

Frank,

We're thrilled to hear about your positive customer service experience! Our team strives to provide personalized, professional support with every interaction, and we're glad we could deliver.

The Gainbridge® Team

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