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SUGGESTED CHARITABLE GIFT ANNUITY RATES

Approved by the American Council on Gift Annuities
October 16, 2002
Effective January 1, 2003 to June 30, 2003

Two Lives - Joint and Survivor

Younger Age	Older Age	Rate
0-5	All	3.6%
6-12	6+	3.7
13-19	13+	3.8
20	20+	3.8
21	21+	3.8
22	22+	3.8
23	23+	3.9
24	24+	3.9
25	25+	3.9
26	26+	3.9
27	27+	3.9
28	28+	3.9
29	29+	4.0
30	30+	4.0
31	31+	4.0
32	32+	4.0
33	33+	4.1
34	34+	4.1
35	35+	4.1
36	36+	4.1
37	37+	4.2
38	38+	4.2
39	39+	4.2
40	40+	4.3
41	41+	4.3
42	42+	4.3
43	43+	4.4
44	44+	4.4
45	45+	4.5
46	46+	4.5
47	47+	4.6
48	48+	4.6
49	49+	4.7
50	50+	4.7
51	51+	4.8
52	52+	4.9
53	53+	4.9
54	54	5.0
54	55+	5.1
55	55+	5.1
56	56-57	5.2
56	58+	5.3
57	57-58	5.3
57	59+	5.4
58	58-59	5.4
58	60+	5.5
59	59-60	5.5
59	61+	5.6
60	60-65	5.6
60	66+	5.7
61	61-64	5.7
61	65+	5.8
62	62-63	5.7
62	64-69	5.8
62	70+	5.9
63	63-67	5.8
63	68+	5.9
64	64-66	5.8
64	67-71	5.9
64	72+	6.0
65	65	5.8
65	66-69	5.9
65	70-74	6.0
65	75+	6.1
66	66-68	5.9
66	69-72	6.0
66	73+	6.1
67	67	5.9
67	68-71	6.0
67	72-75	6.1
67	76+	6.2
68	68-69	6.0
68	70-73	6.1
68	74-77	6.2
68	78+	6.3
69	69-72	6.1
69	73-75	6.2
69	76-79	6.3
69	80+	6.4
70	70	6.1
70	71-74	6.2
70	75-77	6.3
70	78-81	6.4
70	82+	6.5
71	71-72	6.2
71	73-75	6.3
71	76-78	6.4
71	79-82	6.5
71	83+	6.6
72	72-74	6.3
72	75-77	6.4

Younger Age	Older Age	Rate
72	78-80	6.5%
72	81-83	6.6
72	84+	6.7
73	73	6.3
73	74-75	6.4
73	76-78	6.5
73	79-80	6.6
73	81-84	6.7
73	85+	6.8
74	74	6.4
74	75-76	6.5
74	77-79	6.6
74	80-81	6.7
74	82-84	6.8
74	85-88	6.9
74	89+	7.0
75	75	6.5
75	76-77	6.6
75	78-79	6.7
75	80-82	6.8
75	83-84	6.9
75	85-87	7.0
75	88+	7.1
76	76	6.6
76	77-78	6.7
76	79-80	6.8
76	81-82	6.9
76	83-84	7.0
76	85-87	7.1
76	88-90	7.2
76	91+	7.3
77	77	6.7
77	78	6.8
77	79-80	6.9
77	81-82	7.0
77	83-84	7.1
77	85-86	7.2
77	87-89	7.3
77	90+	7.4
78	78-79	6.9
78	80-81	7.0
78	82	7.1
78	83-84	7.2
78	85-86	7.3
78	87-88	7.4
78	89-91	7.5
78	92+	7.6
79	79	7.0
79	80-81	7.1
79	82	7.2
79	83-84	7.3
79	85-86	7.4
79	87-88	7.5
79	89-90	7.6
79	91-93	7.7
79	94+	7.8
80	80	7.1
80	81	7.2
80	82	7.3
80	83-84	7.4
80	85	7.5
80	86-87	7.6
80	88-89	7.7
80	90-91	7.8
80	92-94	7.9
80	95+	8.0
81	81	7.3
81	82	7.4
81	83-84	7.5
81	85	7.6
81	86	7.7
81	87-88	7.8
81	89-90	7.9
81	91-92	8.0
81	93-94	8.1
81	95+	8.2
82	82	7.5
82	83-84	7.6
82	85	7.7
82	86	7.8
82	87	7.9
82	88-89	8.0
82	90	8.1
82	91-92	8.2
82	93-94	8.3
82	95+	8.4
83	83	7.7
83	84-85	7.8

Younger Age	Older Age	Rate
83	86	7.9%
83	87	8.0
83	88	8.1
83	89	8.2
83	90-91	8.3
83	92	8.4
83	93-94	8.5
83	95+	8.6
84	84