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Charitable Gift Annuity Rates

Single Life

Rates Effective January 1, 2012

Two Life

Rates Effective January 1, 2012


Age Rate
5 2.0%
6 2.0%
7 2.0%
8 2.0%
9 2.0%
10 2.0%
11 2.1%
12 2.1%
13 2.1%
14 2.1%
15 2.1%
16 2.2%
17 2.2%
18 2.2%
19 2.2%
20 2.3%
21 2.3%
22 2.3%
23 2.3%
24 2.6%
25 2.6%
26 2.6%
27 2.5%
28 2.5%
29 2.5%
30 2.6%
31 2.6%
32 2.6%
33 2.7%
34 2.7%
35 2.8%
36 2.8%
37 2.9%
38 2.9%
39 3.0%
40 3.0%
41 3.1%
42 3.1%
43 3.2%
44 3.3%
45 3.3%
46 3.4%
47 3.5%
48 3.6%
49 3.6%
50 3.7%
51 3.8%
52 3.8%
53 3.9%
54 3.9%
55 4.0%
56 4.1%
57 4.1%
58 4.2%
59 4.3%
60 4.4%
61 4.4%
62 4.5%
63 4.5%
64 4.6%
65 4.7%
66 4.8%
67 4.8%
68 4.9%
69 5.0%
70 5.1%
71 5.3%
72 5.4%
73 5.5%
74 5.7%
75 5.8%
76 6.0%
77 6.2%
78 6.4%
79 6.6%
80 6.8%
81 7.0%
82 7.2%
83 7.4%
84 7.6%
85 7.8%
86 8.0%
87 8.2%
88 8.4%
89 8.7%
90 9.0%
91 9.0%
92 9.0%
93 9.0%
94 9.0%
95 9.0%
96 9.0%
97 9.0%
98 9.0%
99 9.0%
100 9.0%
101 9.0%
103 9.0%
104 9.0%
105 9.0%
106 9.0%
107 9.0%
108 9.0%
109 9.0%
Age 1 Age 2 Rate
5 5-95+ 1.8%
6 6-95+ 1.8%
7 7-95+ 1.8%
8 8-95+ 1.8%
9 9-95+ 1.8%
10 10-95+ 1.8%
11 11-95+ 1.9%
12 12-95+ 1.9%
13 13-95+ 1.9%
14 14-95+ 1.9%
15 15-95+ 1.9%
16 16-95+ 2.0%
17 17-95+ 2.0%
18 18-95+ 2.0%
19 19-95+ 2.0%
20 20-95+ 2.1%
21 21-95+ 2.1%
22 22-95+ 2.1%
23 23-95+ 2.1%
24 24-95+ 2.1%
25 25-95+ 2.2%
26 26-95+ 2.2%
27 27-95+ 2.2%
28 28-95+ 2.2%
29 29-95+ 2.3%
30 30-95+ 2.3%
31 31-95+ 2.3%
32 32-95+ 2.3%
33 33-95+ 2.4%
34 34-95+ 2.4%
35 35-95+ 2.4%
36 36-95+ 2.5%
37 37-95+ 2.5%
38 38-95+ 2.5%
39 39-95+ 2.6%
40 40-95+ 2.6%
41 41-95+ 2.7%
42 42-95+ 2.7%
43 43 2.8%
43 44-95+ 2.8%
44 44-95+ 2.8%
45 45-95+ 2.9%
46 46-95+ 2.9%
47 47-50 3.0%
47 51-95+ 3.1%
48 48 3.0%
48 49-95+ 3.1%
49 49-51 3.1%
49 52-95+ 3.2%
50 50 3.1%
50 51-53 3.2%
50 54-95+ 3.3%
51 51-52 3.2%
51 53-55 3.3%
51 56-95+ 3.4%
52 52-54 3.3%
52 55-95+ 3.4%
53 53-55 3.4%
53 56-58 3.5%
53 59-95 3.6%
54 54 3.4%
54 55-57 3.5%
54 58-95+ 3.6%
55 55 3.5%
55 56-58 3.6%
55 59-61 3.7%
55 62-95+ 3.8%
56 56-57 3.6%
56 58-59 3.7%
56 60-62 3.8%
56 63-95+ 3.9%
57 57-58 3.7%
57 59-63 3.8%
57 64-95+ 3.9%
58 58-61 3.8%
58 62-65 3.9%
58 66-95+ 4.0%
59 59-60 3.8%
59 61-63 3.9%
59 64-68 4.0%
59 69-95+ 4.1%
60 60-62 3.9%
60 63-66 4.0%
60 67-70 4.1%
60 71-95+ 4.2%
61 61 3.9%
61 62-64 4.0%
61 65-68 4.1%
61 69-95+ 4.2%
62 62-63 4.0%
62 64-66 4.1%
62 67-69 4.2%
62 70-95+ 4.3%
63 63-64 4.1%
63 65-67 4.2%
63 68-95+ 4.3%
64 64-66 4.2%
64 67-70 4.3%
64 71-95+ 4.4%
65 65 4.2%
65 66-68 4.3%
65 69-72 4.4%
65 73-95+ 4.5%
66 66-67 4.3%
66 68-71 4.4%
66 72-75 4.5%
66 76-95+ 4.6%
67 67-69 4.4%
67 70-73 4.5%
67 74-95+ 4.6%
68 68 4.4%
68 69-71 4.5%
68 72-75 4.6%
68 76-95+ 4.7%
69 69-70 4.5%
69 71-73 4.6%
69 74-76 4.7%
69 77-95+ 4.8%
70 70-71 4.6%
70 72-74 4.7%
70 75-78 4.8%
70 79-95+ 4.9%
71 71-73 4.7%
71 74-75 4.8%
71 76-79 4.9%
71 80-82 5.0%
71 83-95+ 5.1%
72 72 4.7%
72 73-74 4.8%
72 75-76 4.9%
72 77-79 5.0%
72 80-83 5.1%
72 84-95+ 5.2%
73 73 4.8%
73 74-75 4.9%
73 76-77 5.0%
73 78-80 5.1%
73 81-83 5.2%
73 84-95+ 5.3%
74 74 4.9%
74 75-76 5.0%
74 77-78 5.1%
74 79-80 5.2%
74 81-83 5.3%
74 84-87 5.4%
74 88-95+ 5.5%
75 75 5.0%
75 76-77 5.1%
75 78 5.2%
75 79-81 5.3%
75 82-83 5.4%
75 84-86 5.5%
75 87-95+ 5.6%
76 76-77 5.2%
76 78-79 5.3%
76 80-81 5.4%
76 82-83 5.5%
76 84-85 5.6%
76 86-88 5.7%
76 89-95+ 5.8%
77 77-78 5.3%
77 79 5.4%
77 80-81 5.5%
77 82-83 5.6%
77 84-85 5.7%
77 86-87 5.8%
77 88-91 5.9%
77 92-95+ 6.0%
78 78 5.4%
78 79 5.5%
78 80-81 5.6%
78 82-83 5.7%
78 84 5.8%
78 85-86 5.9%
78 87-89 6.0%
78 90-92 6.1%
78 93-95+ 6.2%
79 79-80 5.6%
79 81 5.7%
79 82 5.8%
79 83-84 5.9%
79 85-86 6.0%
79 87-88 6.1%
79 89-90 6.2%
79 91-93 6.3%
79 94-95+ 6.4%
80 80 5.7%
80 81 5.8%
80 82 5.9%
80 83-84 6.0%
80 85 6.1%
80 86-87 6.2%
80 88-89 6.3%
80 90-91 6.4%
80 92-93 6.5%
80 94-95+ 6.6%
81 81 5.9%
81 82 6.0%
81 83 6.1%
81 84-85 6.2%
81 86 6.3%
81 87-88 6.4%
81 89 6.5%
81 90-91 6.6%
81 92-94 6.7%
81 95+ 6.8%
82 82 6.1%
82 83 6.2%
82 84 6.3%
82 85-86 6.4%
82 87 6.5%
82 88 6.6%
82 89-90 6.7%
82 91 6.8%
82 92-93 6.9%
82 94-95+ 7.0%
83 83 6.3%
83 84 6.4%
83 85 6.5%
83 86 6.6%
83 87 6.7%
83 88-89 6.8%
83 90 6.9%
83 91 7.0%
83 92-93 7.1%
83 94-95+ 7.2%
84 84 6.5%
84 85 6.6%
84 86 6.7%
84 87 6.8%
84 88 6.9%
84 89 7.0%
84 90 7.1%
84 91 7.2%
84 92-93 7.3%
84 94-95+ 7.4%
85 85 6.7%
85 86 6.9%
85 87 7.0%
85 88 7.1%
85 89 7.2%
85 90 7.3%
85 91 7.4%
85 92 7.5%
85 93-95+ 7.6%
86 86 7.0%
86 87 7.1%
86 88 7.3%
86 89 7.4%
86 90 7.5%
86 91 7.6%
86 92 7.7%
86 93-95+ 7.8%
87 87 7.3%
87 88 7.4%
87 89 7.5%
87 90 7.7%
87 91 7.8%
87 92 7.9%
87 93-95+ 8.0%
88 88 7.6%
88 89 7.7%
88 90 7.9%
88 91 8.0%
88 92 8.1%
88 93-95+ 8.2%
89 89 7.9%
89 90 8.0%
89 91 8.2%
89 92 8.3%
89 93-95+ 8.5%
90 90 8.2%
90 91 8.4%
90 92 8.5%
90 93 8.7%
90 94-95+ 8.8%
91 91 8.6%
91 92 8.7%
91 93-95+ 8.8%
92 92-95+ 8.8%
93 93-95+ 8.8%
94 94-95+ 8.8%
95 95+ 8.8%


Approved by the American Council on Gift Annuities
Suggested Charitable Gift Annuity Rates