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Charitable Gift Annuity Rates

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Glossary

The American Council on Gift Annuities (ACGA) has recommended gift annuity rate schedules since 1927. When a charitable gift annuity is funded, the age-appropriate rate from the schedule determines an annual amount paid to the income beneficiary that never changes and is guaranteed by Clarkson for the life of the annuitant(s). Most charities, including Clarkson, voluntarily adopt ACGA rate schedules to eliminate competition and ensure that gift annuities remain charitable vehicles that offer an income tax deduction.

The ACGA board of directors approved the current rate schedule in November 2011. Click here for a review of the rates and the assumptions behind the ACGA rate schedule.

The charts below list payout rates for 1-life and 2-life immediate payment gift annuities. Deferred payment gift annuity rates are dependent on the age(s) of the beneficiary(ies) and the length of the deferral period (at least one year). You may calculate a deferred gift annuity rate on our gift-with-income calculator.

For help with questions, contact Sal Cania, Director of Gift Planning, or call toll-free 877-928-4438.

Lou Dindo '54 has created several gift annuities at Clarkson. Lou would be happy to speak with anyone confidentially about gift annuities, the process to create one and about Clarkson's service. Click to email Lou, or call him in Massachusetts at 978-448-2733.

To learn more about charitable gift annuities, request our workbook, Will a Gift-with-income Plan Work for Me?

Gifts to create gift annuities may count in the Evolution to Excellence fundraising campaign, in your next anniversary reunion, and towards Roundtable annual recognition. Contact the Annie Clarkson Society for help related to your unique circumstances.

Immediate payment 1-life gift annuity rates (ACGA rates 1/1/2012)

Age Rate   Age Rate
50 3.7    73 5.5
51 3.8    74 5.7
52 3.8   75 5.8
53 3.9   76 6.0
54 3.9   77 6.2
55 4.0   78 6.4
56 4.1   79 6.6
57 4.1   80 6.8
58 4.2   81 7.0
59 4.3   82 7.2
60 4.4   83 7.4
61 4.4   84 7.6
62 4.5   85 7.8
63 4.5   86 8.0
64 4.6   87 8.2
65 4.7   88 8.4
66 4.8   89 8.7
67 4.8   90 9.0
68 4.9   91 9.0
69 5.0   92 9.0
70 5.1   93 9.0
71 5.3   94 9.0
72 5.4   95+ 9.0


Immediate payment 2-life gift annuity rates (ACGA rate 1/1/2012)

  Younger       Older       Rate         Younger     Older     Rate         Younger   Older   Rate  
50 50 3.1   72 72 4.7   81 95+ 6.8
50 51-53 3.2   72 73-74 4.8   82 82 6.1
50 54-95+ 3.3   72 75-76 4.9   82 83 6.2
51 51-52 3.2   72 77-79 5.0   82 84 6.3
51 53-55 3.3   72 80-83 5.1   82 85-86 6.4
51 56-95+ 3.4   72 84-95+ 5.2   82 87 6.5
52 52-54 3.3   73 73 4.8   82 88 6.6
52 55-95+ 3.4   73 74-75 4.9   82 89-90 6.7
53 53-55 3.4   73 76-77 5.0   82 91 6.8
53 56-58 3.5   73 78-80 5.1   82 92-93 6.9
53 59-95+ 3.6   73 81-83 5.2   82 94-95+ 7.0
54 54 3.4   73 84-95+ 5.3   83 83 6.3
54 55-57 3.5   74 74 4.9   83 84 6.4
54 58-95+ 3.6   74 75-76 5.0   83 85 6.5
55 55 3.5   74 77-78 5.1   83 86 6.6
55 56-58 3.6   74 79-80 5.2   83 87 6.7
55 59-61 3.7   74 81-83 5.3    83 88-89 6.8
55 62-95+ 3.8   74 84-87 5.4   83 90 6.9
56 56-57 3.6   74 88-95+ 5.5   83 91 7.0
56 58-59 3.7   75 75 5.0    83 92-93  7.1
56 60-62 3.8   75 76-77 5.1   83 94-95+ 7.2
56 63-95+ 3.9   75 78 5.2   84  84 6.5
57 57-58 3.7   75 79-81 5.3   84 85 6.6
57 59-63 3.8   75 82-83 5.4   84 86 6.7
57 64-95+ 3.0   75 84-86 5.5   84 87 6.8
58 58-61 3.8   75 87-95+ 5.6   84 88 6.9
58 62-65 3.9   76 76-77 5.2   84  89 7.0
58 66-95+ 4.0   76 78-79 5.3   84  90 7.1
59 59-60 3.8   76 80-81 5.4   84 91 7.2
59 61-63 3.9   76 82-83 5.5   84 92-93 7.3
59 64-68 4.0   76 84-85 5.6   84 94-95+ 7.4
59 69-95+ 4.1   76 86-88 5.7   85 85 6.7
60 60-62 3.9   76 89-95+ 5.8   85 86 6.9
60 63-66 4.0   77 77-78 5.3   85 87 7.0
60 67-70 4.1   77 79 5.4   85 88 7.1
60 71-95+ 4.2   77 80-81 5.5   85 89 7.2
61 61 3.9   77 82-83 5.6   85 90 7.3
61 62-64 4.0   77 84-85 5.7   85 91 7.4
61 65-68 4.1   77 86-87 5.8   85 92 7.5
61 69-95+ 4.2   77 88-91 5.9   85 93-95+ 7.6
62 62-63 4.0   77 92-95+ 6.0   86 86 7.0
62 64-66 4.1   78 78 5.4   86 87 7.1
62 67-69 4.2   78 79 5.5   86 88 7.3
62 70-95+ 4.3   78 80-81 5.6   86 89 7.4
63 63-64 4.1   78 82-83 5.7   86 90 7.5
63 65-67 4.2   78 84 5.8   86 91 7.6
63 68-95+ 4.3   78 85-86 5.9   86 92 7.7
64 64-66 4.2   78 87-89 6.0   86 93-95+ 7.8
64 67-70 4.3   78 90-92 6.1   87 87 7.3
64 71-95+ 4.4   78 93-95+ 6.2   87 88 7.4
65 65 4.2   79 79-80 5.6   87 89 7.5
65 66-68 4.3   79 81 5.7   87 90 7.7
65 69-72 4.4   79 82 5.8   87 91 7.8
65 73-95+ 4.5   79 83-84 5.9   87 92 7.9
66 66-67 4.3   79 85-86 6.0   87 93-95+ 8.0
66 68-71 4.4   79 87-88 6.1   88 88 7.6
66 72-75 4.5   79 89-90 6.2   88 89 7.7
66 76-95+ 4.6   79 91-93 6.3   88 90 7.9
67 67-69 4.4   79 94-95+ 6.4   88 91 8.0
67 70-73 4.5   80 80 5.7   88 92 8.1
67 74-95+ 4.6   80 81 5.8   88 93-95+ 8.2
68 68 4.4   80 82 5.9   89 89 7.9
68 69-71 4.5   80 83-84 6.0   89 90 8.0
68 72-75 4.6   80 85 6.1   89 91 8.2
68 76-95+ 4.7   80 86-87 6.2   89 92 8.3
69 69-70 4.5   80 88-89 6.3   89 93-95+ 8.5
69 71-73 4.6   80 90-91 6.4   90 90 8.2
69 74-76 4.7   80 92-93 6.5   90 91 8.4
69 77-95+ 4.8   80 94-95+ 6.6   90 92 8.5
70 70-71 4.6   81 81 5.9   90 93 8.7
70 72-74 4.7   81 82 6.0   90 94-95+ 8.8
70 75-78 4.8   81 83 6.1   91 91 8.6
70 79-95+ 4.9   81 84-85 6.2   91 92 8.7
71 71-73 4.7   81 86 6.3   91 93-95+ 8.8
71 74-75 4.8   81 87-88 6.4   92 92-95+ 8.8
71 76-79 4.9   81 89 6.5   93 93-95+ 8.8
71 80-82 5.0   81 90-91 6.6   94 94-95+ 8.8
71 83-95+ 5.1   81 92-94 6.7   95+ 95+ 8.8

 

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This web page does not provide legal or financial advice, nor is it a comprehensive review of the topic. You should consult your legal and financial advisors and Clarkson University before making or planning your gift. (rev. 2/2014)