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CHARITABLE GIFT ANNUITIES:  Make a charitable gift of cash or stock and receive a lifetime of income at a fixed rate.   There are even more great benefits.  You may be eligible to receive an income tax deduction, and a portion of the gift annuity will also provide support for (your organization).  Would you like to learn more about charitable gift annuities?  Call ____________.
Both and a gift to [your Organization] and a fixed income for life
With interest rates so low, a Charitable Gift Annuity may be an exciting idea.  Gift annuities are popular ways to provide generous support while preserving income and other benefits for yourself.  Consider these benefits:
  • Guaranteed lifetime income at rates between #.0% and #.0% see ACGA rates * (for ages 65 to 90+ as of 01/2015) 
  • Part of your income payment is tax-free.
  • You may avoid or delay capital gains tax.
  • The remainder of your gift will support [Organization] after your life.
If you would like to learn more, see our website for a gift calculator to see the benefits you might receive.  Or contact [Name, Telephone, E-mail].
Perhaps the reason a (your organization) gift annuity is so special is because (your organization) is so special.
A gift annuity is a contract between (the issuing organization) and the donor, providing for the payment of life income at a fixed rate.  The donor receives an income tax deduction in the year of the gift, subject to the usual rules of deductibility. 
A gift annuity has an attractive provision for the taxation of the income: 
  • a portion of each payment is treated by the IRS as the nontaxable return of a donor’s principal
  • another portion is taxed as a capital gain to the donor if appreciated assets are contributed
  • the balance is taxed as ordinary income
* Before publishing any rates, verify current rates with your gift annuity provider (ACGA publishes recommended rates here).  Be sure to include the date of publication.  
 
NOTE:  Most small to medium-sized non-profits do not have the resources to implement their own charitable gift annuity program.  Your financial service partners will be able to counsel you on whether your organization has the ability to provide gift annuities.  If not, there are many support organizations that may be able to provide individual gift annuities for your donors or a program for your organization.  Please contact us to learn more.