Single Life Age Rate 60 5.0% 65 5.3% 70 5.7% 75 6.3% 80 7.1% 85 8.1% 90 9.5%

Two Lives - Joint and Survivor Ages Rate 60/65 4.8% 65/70 5.0% 70/75 5.3% 75/80 5.8% 80/85 6.5% 85/90 7.5% 90/95 9.0% 95+ /95+ 9.3%

The annuity rate is determined at the time the gift is made and will not be affected by future rate changes. As a portion of the annuity is a gift, you will receive an income tax deduction for the portion that is the gift. A portion of the annual annuity income is exempt from Federal Taxes as it is considered a return of principal. A two-life annuity will make payments to you and your spouse or other annuitant for life without a reduction in payment upon the first death. Your joint ages at the time you make the gift determines the annuity rate.

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