Serving the Philanthropic Community Since 1927

Suggested Maximum Gift Annuity Rates, Quality Training Opportunities, and Consumer Protection Advocacy

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Join the ACGA for the 34th Gift Planning Conference
We are Going to Atlanta!

How to Join or Support the ACGA

The ACGA relies on the support of the charitable community and indivuals to carry out our mission of promoting responsibile philanthropy.  The ACGA actively promotes responsible philanthropy through actuarially sound, suggested maximum charitable gift annuity rates, quality training opportunities and the advocacy of appropriate consumer protection. 

Ways you can support ACGA:

Current IRS Discount Rates

Month Rate
December 2018 3.6%
November 2018 3.6%
October 2018 3.4%

The IRS has released the Applicable Federal Rate for the current month. Each month the Service surveys hundreds of interest rates for various financial instruments and publishes the rate that is applicable for charitable deduction calculations. Click here to view historic AFRs.

Annuity Disclosure Model Regulation Draft

(To be adopted by State Legislatures)

Draft: 10/18/10

Revisions to Model 245, as adopted by the Annuity Disclosure (A) Working Group, Oct. 18, 2010
Underlining and overstrikes show the changes from the existing model. Comments are being requested on this draft.
Comments should be submitted by email only by Nov. 19, 2010, to Jolie Matthews at This email address is being protected from spambots. You need JavaScript enabled to view it..

Click here to view a current copy of the draft on the NAIC website.