Best Annuities of 2026
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- Guaranteed, Indexed & Immediate Annuity Options Available
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Up to 10.5% Annual S&P 500 Cap
- Lifetime guaranteed income, perfect for those 59 and older
- Customize your payout schedule & No hidden fees or charges
- Choose a fixed term or guaranteed lifetime income
Best for Retirees Seeking
Guaranteed Income & Financial Stability
- FastBreak™ annuity lets you grow savings safely and withdraw when needed, all with tax-smart flexibility.
- Penalty-free access to your funds before age 59 ½ without an IRA early withdrawal tax
- Can be structured as fixed, variable, or indexed annuities
- No commissions, hidden fees, or charges with FastBreak™
- Retirement savings account with guaranteed rates from 5.20% - 6.10% APY*
- A- (excellent) financial strength by AM Best
- Designed for retirement savings with a focus on long-term, tax-deferred growth
- Renew or withdraw at the end of the Guaranteed Interest Rate Period without penalties
Gold IRA
- Up to $25,000 in Free Silver on Qualifying Purchases
- 100% Free IRA Rollover & Buyback Commitment
- Free Storage & Maintenance
- Exclusively Recommended by Bill O'Reilly & Rick Harrison
Best for Retirees Seeking
Guaranteed Income & Financial Stability
- Gainbridge Save Traditional annuity lets you grow savings safely and withdraw when needed
- Penalty-free access to your funds before age 59 ½ without an IRA early withdrawal tax
- Can be structured as fixed, variable, or indexed annuities
- No commissions, hidden fees, or charges with Gainbridge Save Traditional
- Retirement savings account with guaranteed rates from 5.20% - 6.10% APY*
- A- (excellent) financial strength by AM Best
- Designed for retirement savings with a focus on long-term, tax-deferred growth
- Renew or withdraw at the end of the Guaranteed Interest Rate Period without penalties
Turn Your Savings Into Steady, Predictable Income; See Your Personalized Annuity Rate in Minutes
- Lock in tax-deferred growth — Your money grows without annual tax drag, so more of it compounds until you're ready to use it.
- Get income you can't outlive — Choose a payout option designed to send you a check every month for as long as you live, no market-watching required.
- Compare top-rated carriers side by side — See real, current quotes from A-rated insurance companies before you commit to a single provider.
Turn Your Savings Into Steady, Predictable Income - See Your Rate in Minutes
- Tax-deferred growth: more of your money compounds until you need it
- Income you can't outlive: a monthly check for life, no market-watching required
- Compare A-rated carriers side by side: real, current quotes before you commit
Buy an Annuity with an Agent
- Objective: Low-cost annuity options with transparent fees.
- Market Protection: Fixed and indexed annuities providing protection against market volatility.
- Income Guarantee: Flexible income guarantees with clear, low fees.
- Objective: Secure retirement income with flexible options
- Market Protection: Offers market protection and growth potential through fixed indexed annuities
- Income Guarantee: Strong guaranteed income riders for retirement security
Gainbridge® Traditional Annuity
Gainbridge® Save Traditional Account℠ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Up to 5.90% guaranteed with 3-10 year terms¹ available
- Minimum Deposit: $1,000 – $1M
- Taxes: Interest taxable as earned
- Withdrawals: Up to 10% of account value each year²
The Save Traditional℠ annuity, offered by Gainbridge, is a non-tax-deferred savings product with a guaranteed annual percentage yield (APY) up to 5.90%.¹ It is available in terms ranging from three to ten years and requires a minimum investment of $1,000.
Unlike tax-deferred annuities, Save Traditional℠ requires you to pay income tax on the gains credited to your account each year. While this means you don't receive the tax-deferred growth common with other annuities, it offers the advantage of flexibility. You can access your funds before age 59 ½ without incurring early withdrawal penalties, which is typically not an option with tax-deferred products.
Who It's Best For:
According to Gainbridge, the Save Traditional℠ annuity is ideal for individuals focused on medium to long-term savings goals who want the flexibility to access their money if needed, before reaching retirement age. With its competitive APY and penalty-free early withdrawal feature, it’s a good fit for those seeking steady growth with financial flexibility.
Gainbridge® Retirement Annuity
Gainbridge® SteadyPace™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Up to 5.35% guaranteed with 3-10 year terms¹ available
- Minimum Deposit: $1,000 – $1M
- Taxes: Earnings grow tax-deferred; taxes are due upon withdrawal
- Withdrawals: Up to 10% of account value can be withdrawn annually without penalty²
Pros, Cons, and How it Compares:
The Gainbridge® SteadyPace™ annuity is a tax-deferred savings option offering a competitive 5.35% APY and flexible term lengths ranging from three to ten years. With a minimum deposit requirement of $1,000, this annuity is accessible to a wide range of investors. Earnings grow tax-deferred, allowing potential tax savings, and you can withdraw up to 10% of your account value annually without penalty, starting in the first contract year.
Upon maturity, you have the flexibility to receive your funds as a lump sum, opt for regular payments over five to ten years, or renew your contract for continued growth under the prevailing terms. However, withdrawals before age 59½ may incur a 10% federal tax penalty on earnings in addition to ordinary income taxes.
Who It's Best For:
The Gainbridge® SteadyPace™ annuity is ideal for individuals seeking secure, tax-deferred growth with guaranteed returns. It suits those with medium- to long-term savings goals, including pre-retirees and retirees who value flexibility, predictable income, and low-risk investment options.
Gainbridge® Traditional Annuity (CPC)
Gainbridge® FastBreak™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Up to 5.70% guaranteed with 3-10 year terms¹ available
- Minimum Deposit: $1,000 – $1M
- Taxes: Interest taxable as earned
- Withdrawals: Up to 10% of account value each year²
Pros, Cons, and How it Compares:
The FastBreak™ annuity, offered by Gainbridge, is a non-tax-deferred savings product with a guaranteed annual percentage yield (APY) up to 5.70%.¹ It is available in terms ranging from three to ten years and requires a minimum investment of $1,000.
Unlike tax-deferred annuities, FastBreak™ requires you to pay income tax on the gains credited to your account each year. While this means you don't receive the tax-deferred growth common with other annuities, it offers the advantage of flexibility. You can access your funds before age 59 ½ without incurring early withdrawal penalties, which is typically not an option with tax-deferred products.
Who It's Best For:
According to Gainbridge, the FastBreak™ annuity is ideal for individuals focused on medium to long-term savings goals who want the flexibility to access their money if needed, before reaching retirement age. With its competitive APY and penalty-free early withdrawal feature, it’s a good fit for those seeking steady growth with financial flexibility.
Gainbridge® Retirement Annuity (CPC)
Gainbridge® SteadyPace™ Annuity Key Features:
- Issued by: Gainbridge Life Insurance Company
- Interest Rate & Terms: Up to 6.00% guaranteed with 3-10 year terms¹ available
- Minimum Deposit: $1,000 – $1M
- Taxes: Earnings grow tax-deferred; taxes are due upon withdrawal
- Withdrawals: Up to 10% of account value can be withdrawn annually without penalty²
Pros, Cons, and How it Compares:
The Gainbridge® SteadyPace™ annuity is a tax-deferred savings option offering a competitive 6.00% APY and flexible term lengths ranging from three to ten years. With a minimum deposit requirement of $1,000, this annuity is accessible to a wide range of investors. Earnings grow tax-deferred, allowing potential tax savings, and you can withdraw up to 10% of your account value annually without penalty, starting in the first contract year.
Upon maturity, you have the flexibility to receive your funds as a lump sum, opt for regular payments over five to ten years, or renew your contract for continued growth under the prevailing terms. However, withdrawals before age 59½ may incur a 10% federal tax penalty on earnings in addition to ordinary income taxes.
Who It's Best For:
The Gainbridge® SteadyPace™ annuity is ideal for individuals seeking secure, tax-deferred growth with guaranteed returns. It suits those with medium- to long-term savings goals, including pre-retirees and retirees who value flexibility, predictable income, and low-risk investment options.
1Income through annuitization or guaranteed income rider. Guaranteed income rider optional / elected at issue for add'l cost. Benefit base determines income and not available for withdrawal. Withdrawals above guaranteed payout may reduce future payments. Guarantees subject to claims paying ability of issuer. Accumulation value growth not guaranteed on all types of annuities. May lose value. Index-linked growth is subject to caps and participation rates. Surrender charges and rider fees may apply and can reduce account value/amount received. Withdrawals subject to income tax and may be subject to a 10% fed tax penalty before age 59.5. Annuities are long-term products and may not be suitable for everyone. Consult licensed financial professional / qualified tax advisor.