Rates Effective February 1, 2009 to June 30, 2010

Approved by the American Council on Gift Annuities on December 29, 2008

Suggested Charitable Gift Annuity Rates

Two Lives - Joint and Survivor

Younger Age	Older Age	Rate
1	1+	2.5
2	2+	2.5
3	3+	2.5
4	4+	2.5
5	5+	2.5
6	6-14	2.5
6	15+	2.6
7	7-13	2.5
7	14+	2.6
8	8-11	2.5
8	12+	2.6
9	9-10	2.5
9	11+	2.6
10	10+	2.6
11	11+	2.6
12	12+	2.6
13	13-21	2.6
13	22+	2.7
14	14-19	2.6
14	20+	2.7
15	15-18	2.6
15	19+	2.7
16	16-17	2.6
16	18+	2.7
17	17-30	2.7
17	31+	2.8
18	18-28	2.7
18	29+	2.8
19	19-26	2.7
19	27+	2.8
20	20-24	2.7
20	25+	2.8
21	21-23	2.7
21	24-36	2.8
21	37+	2.9
22	22-22	2.7
22	23-34	2.8
22	35+	2.9
23	23-32	2.8
23	33+	2.9
24	24-30	2.8
24	31+	2.9
25	25-29	2.8
25	30-40	2.9
25	41+	3.0
26	26-27	2.8
26	28-38	2.9
26	39+	3.0
27	27-36	2.9
27	37+	3.0
28	28-34	2.9
28	35-45	3.0
28	46+	3.1
29	29-32	2.9
29	33-42	3.0
29	43+	3.1
30	30-31	2.9
30	32-40	3.0
30	41+	3.1
31	31-38	3.0
31	39+	3.1
32	32-36	3.0
32	37+	3.1
33	33-35	3.0
33	36-43	3.1
33	44+	3.2
34	34	3.0
34	35-39	3.1
34	40+	3.2
35	35-39	3.1
35	40+	3.2
36	36-38	3.1
36	39-45	3.2
36	46+	3.3
37	37	3.1
37	38-43	3.2
37	44+	3.3
38	38-41	3.2
38	42-48	3.3
38	49+	3.4
39	39-40	3.2
39	41-46	3.3
39	47+	3.4
40	40-44	3.3
40	45-50	3.4
40	51+	3.5
41	41-43	3.3
41	44-48	3.4
41	49+	3.5
42	42-42	3.3
42	43-47	3.4
42	48-52	3.5
42	53+	3.6
43	43-45	3.4
43	46-50	3.5
43	51-56	3.6
43	57+	3.7
44	44	3.4
44	45-48	3.5
44	49-53	3.6
44	54-59	3.7
44	60+	3.8
45	45-47	3.5
45	48-51	3.6
45	52-56	3.7
45	57+	3.8
46	46	3.5
46	47-50	3.6
46	51-54	3.7
46	55-59	3.8
46	60+	3.9
47	47-49	3.6
47	50-52	3.7
47	53-57	3.8
47	58-62	3.9
47	63+	4.0
48	48-51	3.7
48	52-55	3.8
48	56-59	3.9
48	60-64	4.0
48	65+	4.1
49	49-50	3.7
49	51-53	3.8

Younger Age	Older Age	Rate
49	54-57	3.9
49	58-61	4.0
49	62-66	4.1
49	67+	4.2
50	50-52	3.8
50	53-55	3.9
50	56-59	4.0
50	60-63	4.1
50	64+	4.2
51	51	3.8
51	52-54	3.9
51	55-57	4.0
51	58-60	4.1
51	61-64	4.2
51	65+	4.3
52	52	3.9
52	53-55	4.0
52	56-58	4.1
52	59-62	4.2
52	63-66	4.3
52	67+	4.4
53	53-54	4.0
53	55-57	4.1
53	58-60	4.2
53	61-63	4.3
53	64-67	4.4
53	68+	4.5
54	54-56	4.1
54	57-58	4.2
54	59-61	4.3
54	62-64	4.4
54	65-68	4.5
54	69+	4.6

55	55	4.1
55	56-57	4.2
55	58-59	4.3
55	60-62	4.4
55	63-65	4.5
55	66+	4.6
56	56	4.2
56	57-58	4.3
56	59-60	4.4
56	61-63	4.5
56	64-66	4.6
56	67+	4.7
57	57	4.3
57	58-59	4.4
57	60-61	4.5
57	62-64	4.6
57	65+	4.7
58	58	4.4
58	59-60	4.5
58	61-62	4.6
58	63+	4.7
59	59	4.5
59	60-61	4.6
59	62-63	4.7
59	64+	4.8
60	60	4.6
60	61-62	4.7
60	63+	4.8
61	61-65	4.8
61	66+	4.9
62	62-63	4.8
62	64+	4.9
63	63-68	4.9
63	69+	5.0
64	64-66	4.9
64	67+	5.0
65	65	4.9
65	66-70	5.0
65	71+	5.1
66	66-69	5.0
66	70-74	5.1
66	75+	5.2
67	67	5.0
67	68-72	5.1
67	73+	5.2
68	68-70	5.1
68	71-74	5.2
68	75+	5.3
69	69	5.1
69	70-73	5.2
69	74-77	5.3
69	78+	5.4
70	70-71	5.2
70	72-75	5.3
70	76-79	5.4
70	80+	5.5
71	71-73	5.3
71	74-77	5.4
71	78-81	5.5
71	82+	5.6
72	72	5.3
72	73-75	5.4
72	76-78	5.5
72	79-82	5.6
72	83+	5.7
73	73-74	5.4
73	75-76	5.5
73	77-79	5.6
73	80-83	5.7
73	84+	5.8
74	74-75	5.5
74	76-78	5.6
74	79-80	5.7
74	81-84	5.8
74	85+	5.9
75	75-76	5.6
75	77-79	5.7
75	80-81	5.8
75	82-84	5.9
75	85-88	6.0
75	89+	6.1
76	76-77	5.7
76	78-79	5.8
76	80-82	5.9
76	83-84	6.0
76	85-87	6.1
76	88+	6.2
77	77-78	5.8
77	79-80	5.9

Younger Age	Older Age	Rate
77	81-82	6.0
77	83-84	6.1
77	85-87	6.2
77	88-91	6.3
77	92+	6.4
78	78-79	5.9
78	80-81	6.0
78	82	6.1
78	83-85	6.2
78	86-87	6.3
78	88-90	6.4
78	91+	6.5
79	79	6.0
79	80-81	6.1
79	82-83	6.2
79	84-85	6.3
79	86-87	6.4
79	88-89	6.5
79	90-92	6.6
79	93+	6.7
80	80	6.1
80	81	6.2
80	82-83	6.3
80	84	6.4
80	85-86	6.5
80	87-88	6.6
80	89-90	6.7
80	91-93	6.8
80	94+	6.9
81	81-82	6.3
81	83	6.4
81	84	6.5
81	85-86	6.6
81	87-88	6.7
81	89	6.8
81	90-92	6.9
81	93-94	7.0
81	95+	7.1
82	82	6.4
82	83	6.5
82	84	6.6
82	85-86	6.7
82	87	6.8
82	88-89	6.9
82	90	7.0
82	91-92	7.1
82	93+	7.2
83	83	6.6
83	84	6.7
83	85-86	6.8
83	87	6.9
83	88	7.0
83	89-90	7.1
83	91	7.2
83	92-93	7.3
83	94+	7.4
84	84	6.8
84	85	6.9
84	86	7.0
84	87-88	7.1
84	89	7.2
84	90	7.3
84	91-92	7.4
84	93	7.5
84	94+	7.6

85	85	7.0
85	86	7.1
85	87	7.2
85	88	7.3
85	89	7.4
85	90-91	7.5
85	92	7.6
85	93	7.7
85	94+	7.8
86	86	7.2
86	87	7.3
86	88	7.4
86	89	7.5
86	90	7.6
86	91	7.7
86	92	7.8
86	93	7.9
86	94+	8.0
87	87	7.4
87	88	7.6
87	89	7.7
87	90	7.8
87	91	7.9
87	92	8.0
87	93	8.1
87	94	8.2
87	95+	8.3
88	88	7.7
88	89	7.8
88	90	7.9
88	91	8.1
88	92	8.2
88	93	8.3
88	94	8.4
88	95+	8.5
89	89	8.0
89	90	8.1
89	91	8.2
89	92	8.4
89	93	8.5
89	94	8.6
89	95+	8.7
90	90	8.3
90	91	8.4
90	92	8.6
90	93	8.7
90	94	8.8
90	95+	9.0
91	91	8.6
91	92	8.7
91	93	8.9
91	94	9.1
91	95+	9.2
92	92	8.9
92	93	9.1
92	94+	9.3
93+	93+	9.3

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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 on Gift Annuity Rates

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