Suggested Gift Annuity Rates, Quality Training Opportunties, and Consumer Protection Advocacy



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Terry Simmons Fund


The Terry L. Simmons Philanthropic Endowment Fund will provide scholarships to worthy individuals who would otherwise be unable to attend the Conference on Gift Annuities.

Gift Annuity Rates

The ACGA Board and Rates Committee have a methodology in place to provide for the ongoing review of the factors that impact the suggested rate charts published by ACGA. As part of its ongoing review process, the Rates Committee of the ACGA monitors on a weekly basis certain interest rates that underlie the investment return assumptions used to create the rate schedules.  Annuitant mortality and other assumptions are evaluated and updated as necessary on an annual basis.  That methodology provides for the routine announcement of any modifications to the suggested rates following its spring Board meeting with an effective date of the following July 1st.

For more detailed information about our suggested gift annuity rates, please visit the gift annuity rates section of our website to obtain a copy of our latest Rates Paper.


Click here for historic suggested maximum rate schedules going back to July 1, 1999.
If you are interested in information on rates prior to July 1, 1999, please contact us.

Click here to download electronic or order current rates brochures.

Suggested Maximum Rate Schedules Effective January 1, 2012 Unchanged as of July 1, 2013

New Suggested Maximum Rate Schedules Effective January 1, 2012 Unchanged as of July 1, 2013
Approved by the American Council on Gift Annuities on November 7, 2011
(reconfirmed on November 6, 2012 & April 15, 2013)

At its meeting in Baltimore in April 2013, the American Council on Gift Annuities (ACGA) Board of Directors voted to leave its schedule of suggested maximum charitable gift annuity (CGA) rates unchanged as of July 1, 2013.  The rate schedule was originally published as of January 1, 2012 and will continue in effect until further notice.

Previously, the ACGA Board of Directors, at its semi-annual meeting on November 7, 2011, as part of a continual monitoring process, reviewed the current assumptions that underlie the rates schedules.  Given the significant changes in the economic environment, the board approved a new schedule of suggested maximum gift annuity rates which became effective January 1, 2012.  At ages older than 60, when the majority of gift annuities are issued, one-life rates will decline by 0.5% to 0.8%.

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