How a Charitable Gift Annuity Works
- You donate cash or appreciated securities worth $20,000 or more to American Lung Association. In return, you and/or another beneficiary will receive fixed payments for life.
- Your payment rate is based on your age (payments start at age 55 or later) and will never change.
- A portion of your payments will be tax-free.
- The older you are — or the longer you defer starting your payment — the higher your payments will be.

Benefits of a Charitable Gift Annuity
- Guaranteed fixed lifetime income at new higher rates with no stock market risk
- Current income tax charitable deduction
- Possible tax-fee income
- Potential estate tax savings
- Ability to direct your gift to a specific purpose at the Lung Association
Age | Lifetime Annuity Rate | $ of Payment Tax Free |
---|---|---|
65 | 5.7% | 77.7% |
70 | 6.3% | 76% |
75 | 7.0% | 71.7% |
80 | 8.1% | 67.4% |
85 | 9.1% | 62.4% |
90 | 10.1% | 57.1% |
Did you know?
With the passing of the SECURE Act 2.0, donors are now able to take a one-time Qualified Charitable Distribution from their IRA to fund a charitable gift annuity. Our team would be happy to speak with you about the many creative ways you can benefit from this type of gift.

“What I want people to know about purchasing a Charitable Gift Annuity, is that you will never regret it. In the end, to know that somebody with lung disease will live, will love, will be loved — for another day, another week, another month and beyond — it doesn’t get better than that.”