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SUGGESTED CHARITABLE GIFT ANNUITY RATES

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

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

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

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

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

(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.)

Two Lives - Joint and Survivor

To print a Word Document of the rates, click here.
To print a PDF version of the rates, click here.

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
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