IMMEDIATE - You will receive a prorated partial payment at the end of the first period (monthly, quarterly, semi-annual, annual), and each subsequent payment will be in the full periodic amount

DEFERRED - You can select a period date at least one year in the future for your payments to commence.

FLEXIBLE DEFERRED -  A schedule of deferred payments will be provided to you to document the annuity rate based upon your chosen date of payment commencement. The longer you choose to defer the initial payment, the larger your periodic payment will be.

The act of establishing a gift annuity  is not and should not be viewed as an investment since the rates are designed so that a minimum of fifty percent (50%) of the original contract amount will eventually be available for charitable purposes. In this respect, a gift annuity is different from a commercial annuity. However, the fact that you are making a charitable gift may provide you with tax benefits, including a current federal income tax charitable deduction (if you itemize your deductions), annuity payments may be partially tax-free, partial avoidance of capital gains tax if funded through appreciated securities, and potential future estate tax savings.


A charitable gift annuity (CGA) is a contract between an individual and a charitable organization. It is not an insurance product. The individual transfers cash or another asset to the charity, and the charity then becomes obligated to pay an annuity to the individual based upon the terms of the contract.

Not a Commercial Investment

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Gift Annuity Rates


Generally, the maximum gift annuity rates paid by CGA America are those suggested by the American Council on Gift Annuities, a national organization  in existence since 1927. These rates have been calculated to provide reasonable payments to the donor
and/or other annuitant(s) and also to result in a significant portion of the contribution remaining for the charity. Because a charitable gift is involved, the rates tend to be lower than those available through commercial annuities offered by insurance companies and other financial institutions.

Watch the Stelter Company video about charitable gift annuities!