What is a Charitable Gift Annuity?

A charitable gift annuity is a simple legal contract between you and Human Life International that provides an income for you or a designated individual for life. In exchange for your irrevocable gift of cash, securities, or property, HLI agrees to pay you a fixed sum each year for life. An HLI Charitable Gift Annuity also provides for HLI's many needs and allows us to continue our life, faith and family work on every continent. While the annuity is working for you, it is also working for God's smallest ones, the unborn. How Does HLI's Gift Annuity Program Work? If you would like to support the work of HLI and yet retain some financial security, simply make a gift of cash, securities, or property worth $5,000 or more to HLI. In return, HLI pays a fixed amount back to you, or a designated annuitant, on a quarterly, semiannual or annual basis. Upon your death, or the death of your designated annuitant, the remaining principle can be used for HLI's work around the world. About half of the initial donation is considered a tax-deductible charitable gift.

How Much Income Can I Expect To Receive Each Year? The annuity rate is based upon your age at the time of your gift. Your annual return is determined by the amount of your gift and the rate at which you qualify. (Contact HLI for your rate.) The frequency of payments made to you during the course of the year is left up to you. Rates are slightly lower for Joint-Life Gift Annuities. Please call for information on current rates.

What Are Some Benefits of an HLI Gift Annuity?

When you create an annuity, a portion of your gift will be considered a charitable deduction. And, in addition to this initial deduction, a portion of each payment you will receive from HLI will be tax-free income. For example, one donor, age 72, has wanted to make a gift to us for some time, but feels that she cannot get by without the income currently produced by her assets. However, an investment in an HLI Gift Annuity would yield her a 7.7% return annually for the rest of her life and would not be subject to market fluctuation. In addition, only a part of each payment made to her would be taxed as regular income. This translates into an overall return of well over 7.7%.

What You'll Get Out of an HLI Charitable Gift Annuity.

*Immediate Charitable Tax Deduction

* Income for Life

* Reduction or Elimination of Estate and Inheritance Taxes

* Reduction of Federal Income Tax

* Tax-Free Income

* Insulation from Fluctuation in the Financial Markets

* Satisfaction of Helping HLI in its Mission Around the World.

As with all personal financial matters, we urge you to consult with your attorney and financial advisor. This information is not intended as legal advice. A charitable gift annuity is not designed primarily as an investment but rather as a charitable gift, and that the fair market value of the property transferred to HLI is substantially in excess of the fair market value of the annuity.

For additional information contact: