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SUGGESTED CHARITABLE GIFT ANNUITY RATES

Approved by the American Council on Gift Annuities
April 10, 2002
Effective July 1, 2002 to December 31, 2002

Two Lives - Joint and Survivor

Younger Age

Older Age

Rate

20 & under

All

4.6

21

21+

4.6

22

22+

4.6

23

23+

4.6

24

24+

4.6

25

25+

4.7

26

26+

4.7

27

27+

4.7

28

28+

4.7

29

29+

4.7

30

30+

4.7

31

31+

4.8

32

32+

4.8

33

33+

4.8

34

34+

4.8

35

35+

4.8

36

36+

4.9

37

37+

4.9

38

38+

4.9

39

39+

5.0

40

40+

5.0

41

41+

5.0

42

42+

5.1

43

43+

5.1

44

44+

5.1

45

45+

5.2

46

46+

5.2

47

47+

5.3

48

48+

5.3

49

49+

5.4

50

50+

5.4

51

51+

5.5

52

52 +

5.6

53

53+

5.6

54

54+

5.7

55

55-57

5.7

55

58+

5.8

56

56+

5.8

57

57-63

5.9

57

64+

6.0

58

58-61

6.0

58

62+

6.1

59

59-62

6.1

59

63+

6.2

60

60-61

6.1

60

62+

6.2

61

61-66

6.2

61

67+

6.3

62

62-65

6.2

62

66-71

6.3

62

72+

6.4

63

63-64

6.2

63

65-69

6.3

63

70+

6.4

64

64-67

6.3

64

68-73

6.4

64

74+

6.5

65

65-66

6.3

65

67-71

6.4

65

72+

6.5

66

66-69

6.4

66

70-73

6.5

66

74+

6.6

67

67-68

6.4

67

69-72

6.5

67

73-76

6.6

67

77+

6.7

68

68-70

6.5

68

71-74

6.6

68

75-78

6.7

68

79+

6.8

69

69

6.5

69

70-72

6.6

69

73-76

6.7

69

77-80

6.8

69

81+

6.9

70

70-71

6.6

70

72-74

6.7

70

75-77

6.8

70

78-81

6.9

70

82+

7.0

71

71-73

6.7

71

74-76

6.8

71

77-79

6.9

71

80-82

7.0

71

83+

7.1

72

72

6.7

72

73-74

6.8

72

75-77

6.9

Younger Age

Older Age

Rate

72

78-80

7.0

72

81-83

7.1

72

84+

7.2

73

73

6.8

73

74-75

6.9

73

76-78

7.0

73

79-80

7.1

73

81-83

7.2

73

84-87

7.3

73

88+

7.4

74

74

6.9

74

75-76

7.0

74

77-78

7.1

74

79-81

7.2

74

82-83

7.3

74

84-87

7.4

74

88+

7.5

75

75

7.0

75

76-77

7.1

75

78-79

7.2

75

80-81

7.3

75

82-84

7.4

75

85-86

7.5

75

87-90

7.6

75

91+

7.7

76

76

7.1

76

77-78

7.2

76

79

7.3

76

80-81

7.4

76

82-84

7.5

76

85-86

7.6

76

87-89

7.7

76

90+

7.8

77

77-78

7.3

77

79-80

7.4

77

81-82

7.5

77

83

7.6

77

84-85

7.7

77

86-88

7.8

77

89-91

7.9

77

92+

8.0

78

78-79

7.4

78

80

7.5

78

81-82

7.6

78

83

7.7

78

84-85

7.8

78

86-87

7.9

78

88-89

8.0

78

90-92

8.1

78

93+

8.2

79

79

7.5

79

80

7.6

79

81-82

7.7

79

83

7.8

79

84-85

7.9

79

86

8.0

79