Rates Effective July 1, 2003 to June 30, 2004
Approved by the American Council on Gift Annuities on May 12, 2003

Rates Effective July 1, 2004 to June 30, 2005
Approved by the American Council on Gift Annuities on May 5, 2004

Rates Effective July 1, 2005 to June 30, 2006
Approved by the American Council on Gift Annuities on April 18, 2005

Rates Effective July 1, 2006 to June 30, 2007
Approved by the American Council on Gift Annuities on April 5, 2006

Rates Effective July 1, 2007 to June 30, 2008
Approved by the American Council on Gift Annuities on April 2, 2007

(Note - July 1, 2003, July 1, 2004, July 1, 2005 & July 1, 2006 rates are the same,
the 'Comments' page is the only page where there is a difference.)

Suggested Charitable Gift Annuity Rates

Two Lives - Joint and Survivor

Younger Age	Older Age	Rate
0-1	All	3.5%
2-5	2+	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
55	55+	5.0
55	55+	5.0
56	56-57	5.1
56	58+	5.2
57	57-58	5.2
57	59+	5.3
58	58-63	5.3
58	64+	5.4
59	59-61	5.4
59	62+	5.5
60	60	5.4
60	61+	5.5
61	61-65	5.5
61	66+	5.6
62	62-64	5.5
62	65-70	5.6
62	71+	5.7
63	63	5.5
63	64-68	5.6
63	69+	5.7
64	64-66	5.6
64	67-72	5.7
64	73+	5.8
65	65	5.6
65	66-70	5.7
65	71+	5.8
66	66-68	5.7
66	69-73	5.8
66	74+	5.9
67	67	5.7
67	68-71	5.8
67	72-76	5.9
67	77+	6.0
68	68-70	5.8
68	71-74	5.9
68	75-78	6.0
68	79+	6.1
69	69	5.8
69	70-72	5.9
69	73-76	6.0
69	77-80	6.1
69	81+	6.2
70	70-71	5.9
70	72-74	6.0
70	75-77	6.1
70	78-82	6.2
70	83+	6.3
71	71-73	6.0
71	74-76	6.1
71	77-79	6.2
71	80-83	6.3
71	84+	6.4

Younger Age	Older Age	Rate
72	72	6.0%
72	73-74	6.1
72	75-77	6.2
72	78-80	6.3
72	81-84	6.4
72	85+	6.5
73	73	6.1
73	74-75	6.2
73	76-78	6.3
73	79-81	6.4
73	82-84	6.5
73	85+	6.6
74	74	6.2
74	75-76	6.3
74	77-79	6.4
74	80-81	6.5
74	82-84	6.6
74	85+	6.7
75	75	6.3
75	76-77	6.4
75	78-79	6.5
75	80-82	6.6
75	83-85	6.7
75	86-88	6.8
75	89+	6.9
76	76	6.4
76	77-78	6.5
76	79-80	6.6
76	81-82	6.7
76	83-84	6.8
76	85-87	6.9
76	88+	7.0
77	77	6.5
77	78-79	6.6
77	80	6.7
77	81-82	6.8
77	83-84	6.9
77	85-87	7.0
77	88-90	7.1
77	91+	7.2
78	78-79	6.7
78	80-81	6.8
78	82	6.9
78	83-84	7.0
78	85-86	7.1
78	87-89	7.2
78	90-92	7.3
78	93+	7.4
79	79	6.8
79	80-81	6.9
79	82	7.0
79	83-84	7.1
79	85-86	7.2
79	87-88	7.3
79	89-90	7.4
79	91-93	7.5
79	94+	7.6
80	80	6.9
80	81	7.0
80	82	7.1
80	83-84	7.2
80	85	7.3
80	86-87	7.4
80	88-89	7.5
80	90-91	7.6
80	92-94	7.7
80	95+	7.8
81	81	7.1
81	82-83	7.2
81	84	7.3
81	85	7.4
81	86-87	7.5
81	88	7.6
81	89-90	7.7
81	91-92	7.8
81	93-94	7.9
81	95+	8.0
82	82-83	7.3
82	84	7.4
82	85	7.5
82	86	7.6
82	87	7.7
82	88-89	7.8
82	90	7.9
82	91-92	8.0
82	93-94	8.1
82	95+	8.2

Younger Age	Older Age	Rate
83	83	7.4%
83	84	7.5
83	85	7.6
83	86	7.7
83	87	7.8
83	88	7.9
83	89	8.0
83	90-91	8.1
83	92	8.2
83	93-94	8.3
83	95+	8.4
84	84	7.6
84	85	7.8
84	86	7.9
84	87	8.0
84	88-89	8.1
84	90	8.2
84	91	8.3
84	92	8.4
84	93-94	8.5
84	95+	8.6
85	85	7.9
85	86	8.0
85	87	8.1
85	88	8.2
85	89	8.3
85	90	8.4
85	91	8.5
85	92	8.6
85	93-94	8.7
85	95+	8.8
86	86	8.1
86	87	8.2
86	88	8.4
86	89	8.5
86	90	8.6
86	91	8.7
86	92	8.8
86	93	8.9
86	94	9.0
86	95+	9.1
87	87	8.4
87	88	8.5
87	89	8.6
87	90	8.8
87	91	8.9
87	92	9.0
87	93	9.1
87	94	9.2
87	95+	9.3
88	88	8.7
88	89	8.8
88	90	8.9
88	91	9.1
88	92	9.2
88	93	9.3
88	94	9.4
88	95+	9.5
89	89	9.0
89	90	9.1
89	91	9.3
89	92	9.4
89	93	9.5
89	94	9.7
89	95+	9.8
90	90	9.3
90	91	9.5
90	92	9.6
90	93	9.8
90	94	9.9
90	95+	10.1
91	91	9.6
91	92	9.8
91	93	10.0
91	94	10.1
91	95+	10.3
92	92	10.0
92	93	10.2
92	94	10.4
92	95+	10.6
93	93	10.4
93	94	10.6
93	95+	10.8
94	94	10.8
94	95+	11.0
95 & over	95+	11.1

Make your selection below

Single Life - ACGA Suggested Gift Annuity Rates

Two Lives - ACGA Suggested Gift Annuity Rates

Deferred Payment Gift Annuity Factors (All states except New York & New Jersey)

Deferred Payment Gift Annuity Factors (For New York & New Jersey Only)

Assumptions & Comments for Gift Annuity Rates

Note - July 1, 2003, July 1, 2004, July 1, 2005, July 1, 2006 & July 1, 2007 - Immediate gift annuity rates are the same.
Please check the Assumptions & Comments page for further information about deferred payment gift annuities.

Select another rate year

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(Note - July 1, 2003, July 1, 2004, July 1, 2005 & July 1, 2006 rates are the same, the 'Comments' page is the only page where there is a difference.)

Suggested Charitable Gift Annuity Rates

Two Lives - Joint and Survivor

Make your selection below

(Note - July 1, 2003, July 1, 2004, July 1, 2005 & July 1, 2006 rates are the same,
the 'Comments' page is the only page where there is a difference.)