Charitable Gift Annuities

Are you ready to enjoy retirement?
Do you need a steady, guaranteed income for your retirement years?
Are you in a high income tax bracket and would like to contribute more for retirement?
Would you like to a make a gift to the Lord's work and protect your assets while you are living?

It sounds too good to be true... but we guarantee it! You can make a gift to Northwest University and we will pay you a fixed annuity payment for life. You will receive a healthy tax deduction which may reduce your taxes for up to six years, and your estate taxes will be reduced. Then, after you are gone, the money in your annuity will support the ministry at Northwest University.

Guaranteed Annuity Payments for Life

A gift annuity guarantees you a regular payment with no investment worries or responsibilities. The rate of the annual fixed annuity payment depends upon your age at the time of your gift and whether the annuity is for one life or two.

Here are some samples of gift annuity rates. For every $1,000 you give, you receive income (with a portion of the income being tax free). Gift annuity rates change. Contact us to receive current gift annuity rates based on your age and circumstances.

Your Age	Annual Rate	Annual Income
60	5.7%	$57
65	6.0%	$60
70	6.5%	$65
72	6.7%	$67
74	6.9%	$69
76	7.2%	$72
78	7.6%	$76
80	8.0%	$80
82	8.5%	$85
84	9.2%	$92
86	9.9%	$99
88	10.6%	$106
90	11.3%	$113

Guaranteed Payments For Your Spouse

A two-life annuity will make annuity payments to you for your life and your spouse (or other person you may choose) for life. The annuity rate is based on your joint ages at the time of the gift.

Here are samples of two-life gift annuity rates. For every $1,000 you give, you receive income (with a portion of the income being tax free). Gift annuity rates change. Contact us to receive current gift annuity rates based on your ages and circumstances.

Your Age	Annual Rate	Annual Income
60 & 55	5.0%	$50
65 & 60	5.5%	$55
70 & 65	5.7%	$57
72 & 67	5.9&	$59
74 & 69	6.0%	$60
76 & 71	6.1%	$61
78 & 73	6.3%	$63
80 & 75	6.6%	$66
82 & 77	6,8%	$68
84 & 79	7.1%	$71
86 & 81	7.5%	$75
88 & 83	7.9%	$79
90 & 85	8.4%	$84

Immediate Income Tax Savings

You qualify for an immediate charitable contribution deduction on your income taxes for the gift portion of your annuity investment. If you are unable to use the full amount of the deduction during the first year, you can continue to deduct the unused portion up to an additional five years.

In addition, a portion of each annuity payment may be tax-free, allowing you to save more on taxes and increase your effective return.

To assist you with your tax reporting, we will send you a statement each year detailing payments and the amount of taxable income.

Capital Gains Tax Avoided

If you fund your gift annuity with assets that have increased in value, only a portion of your capital gains is taxable. This portion is spread over your life expectancy, bringing even more tax savings.

Asset Protection

It is unpleasant to think that a sudden illness or financial reversal could cause you to lose your home, life savings, or the valuable assets. When you place funds in a Northwest University Gift Annuity, the asset and the payments are protected for life.