Deferred Gift Annuity

As a younger donor still in high-earnings years, you are still saving for retirement and also trying to lower your taxable income.



How It Works

  • You transfer cash or securities to American Rivers. Our minimum gift requirement is $10,000.
  • Beginning on a specified date in the future, American Rivers begins to pay you, or up to two annuitants you name, fixed annuity payments for life.
  • Generally, deferred gift annuities may be created by donors of any age. However, a beneficiary must be at least 50 years of age before deferred gift annuity payments commence to the beneficiary.
  • The remaining balance passes to American Rivers when the contract ends.

Benefits

  • Deferral of payments permits a higher annuity rate and generates a larger charitable deduction.
  • You can schedule your annuity payments to begin when you need extra cash flow, such as retirement years.
  • Payments are guaranteed and fixed, regardless of fluctuations in the market.
  • The longer you elect to defer payments, the higher your payment will be.


Contact Us

Planning your estate and legacy for future generations, including your charitable interests, takes careful evaluation. Consulting with the appropriate professionals can assist you.