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SUGGESTED CHARITABLE GIFT ANNUITY RATES

Approved by the American Council on Gift Annuities,
April 18, 1999
Rates effective July 1, 1999 to June 30, 2001

Two Lives - Joint and Survivor

Younger Age

Older Age

Rate

20 & under

All

4.7

21

21+

4.8

22

22+

4.8

23

23+

4.9

24

24+

4.9

25

25+

5.0

26

26+

5.0

27

27+

5.0

28

28+

5.0

29

29+

5.0

30

30+

5.0

31

31+

5.1

32

32+

5.1

33

33+

5.1

34

34+

5.1

35

35+

5.1

36

36+

5.2

37

37+

5.2

38

38+

5.2

39

39+

5.2

40

40+

5.3

41

41+

5.3

42

42+

5.3

43

43+

5.4

44

44+

5.4

45

45+

5.5

46

46+

5.5

47

47+

5.5

48

48+

5.6

49

49+

5.6

50

50+

5.6

51

51+

5.7

52

52 +

5.7

53

53+

5.8

54

54+

5.8

55

55-57

5.8

55

58+

5.9

56

56+

6.0

57

57-63

6.0

57

64+

6.1

58

58-61

6.1

58

62+

6.2

59

59-60

6.2

59

61+

6.3

60

60-65

6.3

60

66+

6.4

61

61-64

6.4

61

65+

6.5

62

62-63

6.4

62

64-68

6.5

62

69+

6.6

63

63-67

6.5

63

68-72

6.6

63

73+

6.7

64

64-65

6.5

64

66-70

6.6

64

71+

6.7

65

65-69

6.6

65

70-73

6.7

65

74+

6.8

66

66-67

6.6

66

68-71

6.7

66

72-76

6.8

66

77+

6.9

67

67-70

6.7

67

71-74

6.8

67

75-78

6.9

67

79+

7.0

68

68-69

6.7

68

70-72

6.8

68

73-76

6.9

68

77-80

7.0

68

81+

7.1

69

69-71

6.8

69

72-74

6.9

69

75-77

7.0

69

78-82

7.1

69

83+

7.2

70

70

6.8

70

71-72

6.9

70

73-75

7.0

70

76-79

7.1

70

80-83

7.2

70

84+

7.3

71

71

6.9

71

72-74

7.0

71

75-77

7.1

71

78-80

7.2

71

81-84

7.3

71

85+

7.4

Younger Age

Older Age

Rate

72

72-73

7.0

72

74-75

7.1

72

76-78

7.2

72

79-81

7.3

72

82-84

7.4

72

85+

7.5

73

73-74

7.1

73

75-76

7.2

73

77-79

7.3

73

80-81

7.4

73

82-84

7.5

73

85+

7.6

74

74-75

7.2

74

76-77

7.3

74

78-79

7.4

74

80-81

7.5

74

82-84

7.6

74

85-87

7.7

74

88+

7.8

75

75-76

7.3

75

77-78

7.4

75

79-80

7.5

75

81-82

7.6

75

83-84

7.7

75

85-87

7.8

75

88-90

7.9

75

91+

8.0

76

76

7.4

76

77-78

7.5

76

79-80

7.6

76

81-82

7.7

76

83-84

7.8

76

85-86

7.9

76

87-89

8.0

76

90+

8.1

77

77

7.5

77

78

7.6

77

79-80

7.7

77

81-82

7.8

77

83-84

7.9

77

85-86

8.0

77

87-88

8.1

77

89-91

8.2

77

92+

8.3

78

78-79

7.7

78

80

7.8

78

81-82

7.9

78

83

8.0

78

84-85

8.1

78

86-87

8.2

78

88-89

8.3

78

90-92

8.4

78

93+

8.5

79

79

7.8

79

80

7.9

79

81-82

8.0