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Suggested Maximum Gift Annuity Rates

The suggested maximum gift annuity rates developed and monitored by the ACGA are the industry standard and are followed by about 97% of charitable organizations nationwide.

Monitoring State Regulations

The ACGA monitors and responds to state gift annuity regulatory issues that arise from time to time. Your ACGA membership underscores your commitment to ethics, accountability and appropriate consumer protection for your donors, adding credibility to your donor relationship and your organization’s gift annuity program.

Research

The gift annuity surveys conducted by ACGA are the best source of information about charitable gift annuity policies, practices and trends. The surveys include questions related to gifts, annuitants, administration and investments.

34th Conference

Join us in Atlanta, April 20-22, 2020, for the longest running gift planning conference in the industry.

New ACGA Membership Renewal Information

Your membership is set to expire on June 30, 2019, and we invite you to renew now so that you will be among the first to learn of changes to the rates schedules, regulatory updates, and insight on research and trends related to charitable gift annuities.

Based on extensive feedback from members like you, we are launching a new membership structure that will better meet your needs.  As a current member, we want to share our new membership structure which will become effective with this renewal cycle. 

Read more

How to Join or Support the ACGA

Unique to the gift planning community, the American Council on Gift Annuities (ACGA) suggests maximum charitable gift annuity rates, monitors state regulations especially as they pertain to charitable gift annuities and provides education on CGAs as well as broader gift planning.  Through these activities and more we support and advance responsible philanthropy that benefits donors and charities.

Ways you can support the ACGA:

Rates Update - Breaking News

The American Council on Gift Annuities (ACGA) Board of Directors reaffirmed its current schedule of suggested maximum charitable gift annuity (CGA) rates at its Board meeting on May 30th.  The ACGA regularly reviews the financial and actuarial assumptions behind its suggested maximum gift annuity rates to ensure they are fiscally responsible for charities.  Also at the May 30, 2019 meeting, the ACGA Board of Directors voted to embark on its next 10-year study of gift annuitant mortality.  The last study was done for the years 2005 through 2009. This FAQ piece offers more information on the important work of the ACGA’s Rates Committee: Charitable Gift Annuity Rates: What Has and Has Not Changed.

For more detailed information, please see our 2018 Rates Paper, which is available to ACGA members for free on our website.

IRS Discount Rates

Month Rate
June 2019 2.8%
May 2019 2.8%
April 2019 3.0%

 

The IRS has released the Applicable Federal Rate for the current month. Each month the Service surveys hundreds of interest rates for various financial instruments and publishes the rate that is applicable for charitable deduction calculations.

Click here to view historic AFRs. 

Latest News

Charitable Gift Annuity Rates: What Has and Has Not Changed

  • December 04 - 2017

The American Council on Gift Annuities (ACGA) Board of Directors reaffirmed its current schedule of suggested maximum charitable gift annuity (CGA) rates at its Board meeting on May 30th.   The ACGA regularly reviews the financial and actuarial assumptions behind its suggested maximum gift...

ACGA and CGP Joint Survey: CGA Program Best Practices

  • June 04 - 2019

We invite you to participate in this important survey conducted jointly by the American Council on Gift Annuities (ACGA) and the National Association of Charitable Gift Planners (CGP). This survey follows the research uncovered as part of ACGA’s comprehensive 2017 Survey of Charitable Gift...

Simmons Endowment Fully Funded - Call for Applicants

  • March 04 - 2019

The Board of Directors of the American Council on Gift Annuities acknowledges, with great appreciation, receipt of the final funding to complete the Terry L. Simmons Philanthropic Endowment Fund.  This brings the funding to the goal of $150,000 and puts the Council in the position to...

ACGA Board Member Interview - Cam Kelly, Duke University

  • March 04 - 2019

We want to take this opportunity to thank Cam Kelly for providing her leadership and talents to the ACGA Board for 25 years as she steps out of her Director role on the ACGA Board of Directors. She has served as Chair of the Conference, Rates, and Frank Minton Leadership Initiative Committees...

A Word form the Chair - March 2019

  • March 04 - 2019

As we look toward spring and the renewal that season brings, I am excited to share that new things are happening at ACGA.   I would like to highlight three areas that you can learn more about in this issue of the newsletter and we’ll share more as this work...

About the ACGA

  • Our Mission, Vision and History

    Our Mission

    The ACGA’s mission is to foster the success of charitable gift annuity programs at charities nationwide through promulgation of suggested maximum gift annuity rates, education, research, monitoring state regulations, advocacy, and other activities that promote good gifts for nonprofits and their donors.

    Our Vision

    The American Council on Gift Annuities is the premier resource for charitable gift annuity program success.

    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.

  • Join the American Council on Gift Annuities

     Join Now        Join our mailing list


    Unique to the gift planning community, the American Council on Gift Annuities (ACGA) suggests maximum charitable gift annuity rates, monitors state regulations especially as they pertain to charitable gift annuities and provides education on CGAs as well as broader gift planning.  Through these activities and more we support and advance responsible philanthropy that benefits donors and charities.

    Your membership support is vital to advancing the ACGA’s mission of fostering the success of charitable gift annuity programs at charities nationwideand enabling our volunteer board of directors to continue the essential work we have been doing since 1927:

    • Suggesting maximum charitable gift annuity rates. The suggested maximum gift annuity rates developed and monitored by the ACGA are the industry standard and are followed by about 97% of charitable organizations nationwide.    Using rates developed by the ACGA, software vendors make these maximum suggested rates available to charities for convenient gift calculation.   The ACGA regularly reviews the financial and actuarial assumptions behind its suggested maximum gift annuity rates to ensure they are fiscally responsible for charities.
    • Offering vital professional development and networking opportunities. The ACGA brings together experts in the field of charitable giving to present on a range of topics at our renowned biennial planned giving conference. Attendees connect and collaborate with colleagues and allied professionals as they gain new insights about planned giving techniques, marketing and administration. (ACGA members enjoy a $200 discount on the conference registration!)
    • Monitoring state gift annuity regulation, legislation and appropriate consumer protection. The ACGA monitors and responds to state gift annuity regulatory issues that arise from time to time. Your ACGA membership underscores your commitment to ethics, accountability and appropriate consumer protection for your donors, adding credibility to your donor relationship and your organization’s gift annuity program.
    Read More
  • Board of Directors

    Executive Committee

    Locke
    Lead Co-Chair
    Rebecca Locke
    Executive Director, Gift Planning
    American Red Cross
    Decatur, GA
    http://www.redcross.org
    Valentine L
    Supporting Co-Chair

    Laurie W. Valentine, J.D.
    Fisher & Sauls, P.A.
    St. Petersburg, FL
    http://www.fishersauls.com
    Libengood copy
    Vice Chair, Business

    David A. Libengood

    Senior Director, Relationship Management
    TIAA Kaspick
    Boston, MA
    http://www.kaspick.com
    Armstrong  
    Vice Chair, Programs

    Dianne Armstrong, CFRE
    Vice President-Gift Planning
    Planned Parenthood Federation of America, Inc.
    New York, NY
    http://www.ppfa.org
    Lutz
    Secretary

    Cris Lutz
    Senior Director of Gift Planning
    The Huntington Library, Art Collections, and Botanical Gardens
    San Marino, CA
    http://www.huntington.org
    McGowan  
    Treasurer

    Kevin P. McGowan
    Chief Financial Officer
    Catholic Extension Society
    Chicago, IL
    http://www.catholicextension.org
    Bull
    At-Large Executive (Conference)

    Joseph O. Bull, J.D.
    Executive Director of Gift Planning
    Carnegie Mellon University
    Pittsburgh, PA
    http://www.andrew.cmu.edu
    Lapole  
    At-Large Executive (Endowment Campaign)

    Lindsay L. Lapole, CFRE
    President
    Lindsay Lapole & Associates, Inc.
    Atlanta, GA
    Read More
  • ACGA Endowment Campaign - Securing the Future

    Make a Donation

    ACGAEndow

    Distinguished Record of Service

    Since 1927, ACGA has promoted responsible philanthropy across the United States, providing practical guidelines, safe practices, and ethical framework for non-profit organizations, professional development officers, and thoughtful donors. The primary focus has been on charitable gift annuities, a unique planning tool for the realization of personal, family and charitable goals. ACGA has worked to demystify the use of charitable gift annuities to the advantage of nonprofits and donors alike through the following activities:

    • ensuring sound financial assumptions as the basis for suggested charitable gift annuity rates
    • disseminating best practices for nonprofits offering charitable gift annuities
    • promoting the Philanthropy Protection Act of 1995
    • educating thousands of professionals engaged in gift planning
    • promoting the Model Standards of Practice for the Charitable Gift Planner
    • gathering data and conducting research
    • bridging the gap between regulatory agencies and charities
    • monitoring legislation of importance to the nonprofit sector
    Read More
  • The Frank D. Minton Leadership Initiatives

     Make a Donation 

    FMinton

    The ACGA has been a regular source for valuable content aimed at equipping both gift planners and their business office partners with information to help them assess the health of their gift planning programs and to strengthen them for the good of their organizations.

    In April 2016, the ACGA announced the establishment of the Frank D. Minton Leadership Initiatives, named for a pioneer of gift planning who continues to work to support organizations in their efforts to sustain gift planning programs that add financial value to their missions. The Initiatives will focus on providing content for individuals who are the decision makers for gift planning programs with respect to rates schedules used, investments strategy, asset allocation, assets to be accepted, types of vehicles offered, and managing outside service providers.

    Read More
  • The Terry L. Simmons Scholarship Fund

    Make a Donation 

    The American Council on Gift Annuities has established an endowment fund to assist promising gift planners with their professional development. The Terry L. Simmons Philanthropic Endowment Fund will provide scholarships to worthy individuals who would otherwise be unable to attend the biennial ACGA conference.

    On June 27, 2008 Lindsay Lapole and Frank Minton presented to Terry Simmons a plaque commemorating the establishment of an endowed philanthropic fund in Terry’s honor. Also present for the occasion were Terry’s wife Karen, his son, Adam, and his daughter, Shannon. His oldest son, Jordan, was unable to attend because of work responsibilities.

    Income from the fund will be used for grants to enable young gift planners to further their professional development by attending an ACGA conference.

    Read More

About the 2020 Conference

  • 2020 Conference Information
    exhibitorsm

    Partner Opportunities

    2020 conference partner opportunities now available!  We have restructured our partner opportunities to offer more options and benefits than ever before. Partner opportunities are on a first-come, first served basis and many of these opportunities are secured within the first week of this email. Reserve your space today or we might not be able to fulfill some vendors' first choice.

     Sessionsweb

    Conference Schedule, Speakers & Sessions

    We plan to have a finalized schedule and list of conference speakers and sessions in the late Spring of 2019. COMING SOON!

    AtlantaGraphic

    Conference Registration

    Registration will open in July of 2019.  Make sure your membership is current to take advantage of the member conference registration discount. Click here to learn more.

    sheratonlogo

    Housing Information

    Our official conference hotel is the Sheraton Atlanta Hotel at 165 Courtland Avenue.  To receive our great rates, you'll need to use our online housing reservation system which will open July 2019. Click here to learn more.

    Atlanta Savings House Ad 300 250

    What to do in Atlanta


    Not sure what there is to do in Atlanta?  Check out all the great things Atlanta has to offer, find discounts, special offers and more.

    AtlantaGraphic

    Conference Articles

    These articles contain information on the latest conference news and events including some of our sessions and speakers.

    terrysimmons

    Terry Simmons Scholarship Applications

    The American Council on Gift Annuities has established an endowment fund to assist promising gift planners with their professional development. The Terry L. Simmons Philanthropic Endowment Fund provides scholarships to worthy individuals who would otherwise be unable to attend the Conference on Gift Annuities.  The scholarship application process is now open.

    Submit Your Application

  • Conference Partner Opportunities Now Available

    ConferencePartnerIt may seem early, but preparations are already underway for the 2020 ACGA Conference. We anticipate another well-attended conference, of both nonprofit staff and allied professionals.  We are excited to be back in Atlanta and expect to see many new attendees take advantage of the opportunity to combine attendance with donor visits to the area. There are a few key partnership opportunities available, including ways to feature your organization on the very popular conference app that debuted at the last conference.

    Read More
  • Conference Scholarships

    ScholarshipThe 2020 American Council on Gift Annuities (ACGA) Conference is fast approaching and we are excited the conference is being held in the beautiful city of Atlanta.  The conference is designed to provide an educational opportunity for seasoned gift planning professionals and those who are new to the world of philanthropic planning. 

    As the ACGA continues to promote responsible philanthropy, we want everyone to have an opportunity to attend the conference. The ACGA has established the Terry L. Simmons Philanthropic Endowment Fund to assist promising gift planners with their professional development by providing scholarships to worthy individuals who would otherwise be unable to attend the Conference on Gift Annuities.  

    With this in mind, we would like to remind you that the scholarship application process is now open.  Applications are due by December 13, 2019.  Click here to submit your application.

  • Conference Registration

    ACGA 34th Conference on Planned Giving

    ACGA 34th Conference on Planned Giving

    NOTE: Prior to registering for the conference and selecting your sessions, you may want to download a detailed program guide (coming soon).

    Conference Registration
      Early Bird
    (until 2/14/20)
    Standard
    (after 2/14/20)
    On-Site
    (after 4/10/20)
    Full Conference
    ACGA Members
    Non-Members
    $675
    $875
    $725
    $925
    $775
    $975
    Tuesday Only
    ACGA Members
    Non-Members
    $425
    $525
    $475
    $575
    $525
    $625

    Signup as a member to receive the discounted member registration.

    ACGA members need to login to register for the conference and receive the member discount.

    Event Details

    Event Date 04-20-2020 1:30 pm ET
    Event End Date 04-22-2020 12:30 pm ET
    Registration Start Date 07-15-2019
    Cut off date 04-10-2020 5:00 pm ET
    Late Fee USD50.00 (From 04-11-2020 00:00)
    Location Sheraton Atlanta Hotel

    Location Map

  • Visit Atlanta

    Atlanta Savings House Ad 300 250Not sure what there is to do in Atlanta?

    Check out all the great things Atlanta has to offer, find discounts, special offers and more.

    Read More
  • Conference Housing Information

    Coming to the 34th Conference on Planned Giving? 

    Stay at the Sheraton Atlanta Hotel
    165 Courtland St NE, Atlanta, GA 30303
    OPENING JULY 2019


    Official ACGA Conference Hotel: ACGA has entered into a contract with the Sheraton Atlanta Hotel to offer you the best rates on meeting space, food & beverage, and guest rooms. We ask you to collaborate with ACGA to provide the best services at the lowest cost by staying at the Sheraton Atlanta Hotel as we are required to fill a certain number of rooms.

    To help fill our block of rooms, please reserve your room through onPeak, the official housing partner of the 34th ACGA Conference.  ACGA is proud of our partnership with onPeak.  Through onPeak, you'll get MORE than a great deal at our headquarters hotel, the Sheraton Atlanta Hotel.

    • Convenience: Sleep in for a few extra minutes. Take a break between breakout sessions. Make a call during downtime in the privacy of your own room.  Avoid walking to the hotel in rough weather or the hassle of driving, parking, and making it to your first breakout session in time.  It just makes sense to be where the action is!
    • Connect: Your networking opportunities are greatly enhanced when you stay where your colleagues are staying.  Meet up with fellow professionals and enjoy dinner together.  Hash over yesterday’s events with fellow health-conscious attendees at the fitness center.  You’ll probably find your cohorts gathered in the hotel lobby, discussing issues at the heart of your gift planning program.
    • Prime Location: Quick elevator ride to the sessions.
    • Best Rate Pledge: onPeak comparison shops to ensure our rates are the lowest.
    • Book Now, Pay Later: Convenience with flexible policies.
    • Reward Points: Add to your hotel loyalty program.
    • Exceptional Service: Before, during and after your stay.
    Read More