Gift Annuity Rates
This information is taken from the American Council on Gift Annuities (ACGA) suggested interest rates for charitable gift annuities effective 1/1/2012. The tables published by the ACGA are extensive. For specific information regarding exact ages, please contact us.

 

Single Life

Age Rate
60 4.4%
65 4.7%
70 5.1%
75 5.8%
80 6.8%
85 7.8%
90 9.0%
 


Two Lives - Joint and Survivor

Ages Rate
60/65 4.1%
65/70 4.4%
70/75 4.8%
75/80 5.3%
80/85 6.1%
85/90 7.3%
90/95 8.8%
95+ /95+ 8.8%

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 may be exempt from Federal Taxes as it is considered a return of principal. If the annuity is funded with appreciated assets, income subject to capital gain taxes will be deferred over the estimated life of the annuitant. 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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