Hadassah

Charitable Gift Annuities

Turn Your Generosity Into a Lifetime of Payments for You or a Loved One

"Receiving quarterly payments for my lifetime while giving to Hadassah is a real mitzvah and makes financial sense."

Evelyn Perl
Encino, California
Hadassah Annuitant

A charitable gift annuity is a popular way to make a gift to Hadassah and enjoy payments for yourself at the same time. You make a gift of cash or securities of $5,000 or more and will receive a fixed amount quarterly for the rest of your life. The payout rate is fixed when you establish the annuity and remains the same for your lifetime. After your lifetime, the remainder of the annuity is used by Hadassah to support its lifesaving mission. If you yourself do not need the funds, you may establish an annuity as a gift for one or two important people in your life.

If you do not need the money today, but are planning ahead for your retirement years, consider a deferred charitable gift annuity. You establish the gift annuity now and elect to start receiving payments at least one year in the future (so long as you are at least 60 years old when the payments start). You can also establish a deferred gift annuity to benefit a loved one. The longer the deferral period, the higher the payout rate and the larger the charitable deduction.

A charitable gift annuity with Hadassah...

 

  • will provide you and/or a loved one with fixed payments that are partially tax-free for your life expectancy (or combined life expectancies), regardless of market conditions
  • may allow you to claim a federal income tax charitable deduction on a portion of your gift in the year you establish the annuity
  • may allow you to reduce your capital gains tax liability if you establish the annuity with appreciated securities
  • will help to secure Hadassah's future, and your own

Gift Annuity Payout Rates

The payout rate is based on the age of the person or people receiving payments and the number of people receiving payments (one or two). The rate is determined when you establish the gift annuity and, because it is not tied to the stock market or interest rates, it will never change. Please use the gift illustrator to calculate the payout rate and other benefits using your actual date of birth.

One Life
Your AgePayout Rate
65 5.5%
70 5.8%
75 6.4%
80 7.2%
85 8.1%
90+ 9.5%
Two Lives
Your AgesPayout Rate
70/75 5.5%
75/75 5.7%
75/80 5.9%
80/85 6.6%
85/90 7.5%
90/95+ 9.0%

*Rates as of December 2015. Some states may require lower rates.

Click here for examples of how charitable gift annuities work ›

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Action Steps

  1. Contact us at 800-428-8884 or giving@hadassah.org for a personalized illustration.
  2. Seek the advice of your financial or legal advisor.
  3. Complete Hadassah's gift annuity application and return it to us with your check (if using cash) or information about transferring securities (if using stock).

The information and content contained herein are intended for educational purposes only and are not intended to provide legal, tax or other professional advice or to be relied upon. We encourage you to consult with an attorney, tax advisor or accountant.

California residents: Annuities are subject to regulation by the State of California. Payments under this agreement, however, are not protected or otherwise guaranteed by any government agency or the California Life and Health Insurance Guarantee Association. Oklahoma residents: A charitable gift annuity is not regulated by the Oklahoma Insurance Department and is not protected by a guaranty association affiliated with the Oklahoma Insurance Department. South Dakota residents: Charitable gift annuities are not regulated by and are not under the jurisdiction of the South Dakota Division of Insurance.

Please choose the brochure(s) you would like to view:


A comprehensive guide to all of Hadassah's Planned Giving options


How to include a gift to Hadassah in your will or estate plan


How make a gift for Hadassah through a Charitable Gift Annuity


Deferred Charitable Gift Annuities


Using retirement assets to make a gift to Hadassah


Using life insurance to make a gift to Hadassah


Favorite ways to make a gift to Hadassah


Favorite ways to make a gift to Hadassah

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A charitable bequest is one or two sentences in your will or living trust that leave to Hadassah a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.

an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan

"I, [name], of [city, state, ZIP], give, devise and bequeath to Hadassah [written amount or percentage of the estate or description of property] for its unrestricted use and purpose."

able to be changed or cancelled

A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.

cannot be changed or cancelled

tax on gifts generally paid by the person making the gift rather than the recipient

the original value of an asset, such as stock, before its appreciation or depreciation

the growth in value of an asset like stock or real estate since the original purchase

the price a willing buyer and willing seller can agree on

The person receiving the gift annuity payments.

the part of an estate left after debts, taxes and specific bequests have been paid

a written and properly witnessed legal change to a will

the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will

A donor advised fund is an account that you set up but which is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much (and how often) you want to distribute money from that fund to Hadassah or other charities. You cannot direct the gifts.

An endowed gift can create a new endowment or add to an existing endowment. The principal of the endowment is invested and a portion of the principal’s earnings are used each year to support our mission.

Tax on the growth in value of an asset—such as real estate or stock—since its original purchase.

Securities, real estate, or any other property having a fair market value greater than its original purchase price.

Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.

A charitable remainder trust provides you or other named individuals income each year for life or a period not exceeding 20 years from assets you give to the trust you create.

You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the gift tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

You fund this type of trust with cash or appreciated assets—and receive an immediate federal income tax charitable deduction. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to Hadassah as a lump sum.

You fund this trust with cash or appreciated assets—and receive an immediate federal income tax charitable deduction. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to Hadassah as a lump sum.

A beneficiary designation clearly identifies how specific assets will be distributed after your death.

A charitable gift annuity involves a simple contract between you and Hadassah where you agree to make a gift to Hadassah and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.

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