Serving the Philanthropic Community Since 1927

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

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About Us

The American Council on Gift Annuities (ACGA) is a qualified nonprofit organization formed in 1927 as the Committee on Gift Annuities and was incorporated as a 501(c)(3) nonprofit in 1993.

The ACGA's volunteer Board of Directors is comprised of professionals active in the field of planned giving with some of America's most well-respected charities. These individuals give unselfishly of their time and energy to assist others in their gift annuity programs.

One of the primary activities of the ACGA is the publication of suggested maximum charitable gift annuity rates for use by charities and their donors. The ACGA retains the services of an actuarial firm to advise and consult on matters pertaining to life expectancies and related matters. The ACGA has a long and distinguished record in this area, and its suggested maximum rates have long been recognized, not only by charities and donors, but also by state insurance departments and the IRS as being actuarially sound and in the best interests of all parties involved. See our Individual State Regulations and Gift Annuity Rates webpages.

The ACGA offers a conference every two years, for planned giving, development and administrative staff of non-profits and related professionals. Click here for information about the ACGA Biennial Conference. 

Our Mission

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.

Our History

The ACGA, formerly the Committee on Gift Annuities, was formed in 1927 for the purpose of providing educational and other services to American charities regarding gift annuities and other forms of planned gifts.  The focus was “to study and recommend the proper range of rates, the forms of contracts, the amount and type of reserve funds and the nomenclature to be used, to ascertain and advise as to the legislation in the United States and the various states regarding [charitable gift] annuities, their taxability, etc.” to better assure the donor’s focus was on the charitable cause(s) to be supported by their gift, rather than the gift annuity payment rate being offered by charities competing for the gift. The first suggested gift annuity payout rates were adopted at the first Conference on Gift Annuities in April 1927.