Make a Gift and Receive Income For Life!

A Charitable Gift Annuity (CGA) is a great way to make a gift to support the work of The Alliance and ministries you love while creating a steady income stream for life. CGAs are easy to set up and offer attractive rates, making them popular tools for people age 65 and older.

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Payments for life

Receive steady payments during retirement and for the rest of your life.

A tax deduction

Receive a tax deduction for the year in which your CGA was created.

A charitable gift

Make a charitable gift to a ministry you love at the end of your lifetime.

Single-life CGA Story


Susan is 75 years old and a longtime supporter of The Alliance and other ministries. She wants to create a steady income stream with some of her assets and avoid probate as much as possible. Susan opens a $50,000 gift annuity and, based on her age, receives an annuity rate of 7 percent. She will receive quarterly payments of $875 for her lifetime and receives a charitable tax deduction $20,016. Susan’s CGA helps fulfill her stewardship goal to continue to support the work of The Alliance after she passes away.

Two-life CGA Story

John and Maria

John is 72 years old and his wife, Maria, is 68. John and Maria want to create a steady retirement income stream while also giving to the Lord’s work. After prayerful consideration, they decide to create a $25,000 gift annuity to benefit their church. They will receive a rate of 5.5 percent and annual payments of $1,375 for the rest of their lives. Their current tax deduction will be more than $8,081, and about 60 percent of their gift annuity income will be tax free. When John or Maria passes away, the surviving spouse will continue to receive annual payments for the remainder of his or her life.

(These examples reflect CGA rates effective February 6, 2024.)

Gift Calculator

This calculator is designed to show you illustrations of what a gift to fund a Charitable Gift Annuity might look like for you. These calculations are estimates of gift benefits; your actual benefits may vary. Please contact us at 866-824-2270 to discuss your options.

Learn about charitable gift annuities.

How CGAs work

If you are 65 or older, you simply make a gift of $10,000 or more in cash or securities in exchange for a non-revocable gift annuity agreement. The payment rate you receive is based on your age(s) at the time you make the gift. You will receive a tax deduction, and part of your income may be tax-free. Upon your death, the amount remaining in your CGA will then be given to support the work of The Alliance and ministries you love.

If you decide to fund your gift annuity with cash, a significant portion of the annuity payment will be tax-free. You may also make a gift of appreciated securities to fund a gift annuity and avoid a portion of the capital gains tax. Please contact us to inquire about other assets that you might be able to use to fund a charitable gift annuity.

Single-Life CGA

Pays a fixed amount for the lifetime of one person.

Two-Life CGA

Pays a fixed amount for the lifetime of two people.

Deferred CGA

If you desire to begin receiving income at a fixed date in the future, you may establish the gift annuity and take your charitable deduction now, then plan to receive payments beginning at a designated future. Anyone over the age of 55 is eligible to establish a Deferred CGA. Payments must be deferred until after the annuitant(s) reaches a minimum age of 65.

Mr. Townsend creates six $10k flexible deferred CGAs. He can turn these on when needed anytime within 1-10 years as he needs the income. They are essentially a financial security plan to create staggered ongoing income.

Additional CGA options

Current charitable gift annuity (payments begin within one year). With a current gift annuity, you may transfer cash or property in exchange for our promise to pay you fixed payments beginning as early as this year. You will receive an income tax charitable deduction this year for the value of your gift to The Alliance.

Deferred charitable gift annuity (for payments at future date). Perhaps you are not ready to begin receiving payments until a future date, such as when you retire. With a deferred gift annuity, you establish the gift annuity today, receive a charitable income tax deduction this year, but defer the payments until a designated date sometime in the future. Best of all, because you deferred the payments, your annual payment will be higher when the payments start than they would have been with a current gift annuity.

Flexible deferred charitable gift annuity (gives you flexibility as to when the payments will start). With a flexible deferred gift annuity, you retain the flexibility to decide when the annuity will begin making payments. As with a deferred gift annuity, you establish the annuity today and receive a charitable deduction this year, but the payments are deferred until such time as you elect to begin receiving the payments.

Our team is ready to help.

With guidance from the professionals at Orchard Alliance, you can create a charitable gift and retirement income plan that reflects your Christian values, reduces taxation, and allows you to do immeasurably more than you might imagine.

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My primary interest(s) in a CGA:
Information is not to be considered legal or tax advice. CGAs are issued by Orchard Alliance or as agent for The Christian and Missionary Alliance (The C&MA). The C&MA only issues annuities in the states of NY, NJ, and CA; Orchard Alliance issues annuities in all other states except Hawaii. Orchard Alliance or The C&MA, respectively, is responsible for and liable for the CGAs that are issued in their individual names. Orchard Alliance and The Christian and Missionary Alliance follow the suggested maximum gift annuity rates published by the American Council on Gift Annuities. Currently, these rates exceed the max rates allowed by the state of New York. If you are considering a gift annuity and live in New York State, please contact us at 866-824-2270.