• A larger current charitable deduction
• An increase in the payout rate that is guaranteed

Three Choices

Three types of Deferred Annuities provide maximum flexibility in your charitable planning: Deferred Annuity, Flexible Deferred Annuity and Term of Years Annuity.

Deferred Annuity––The future payment start date is fixed when the annuity agreement is signed.

Example: A couple, ages 67 and 65, contribute $25,000. They considered these annuity choices and selected the 10-year Deferred Annuity:

1. A Current (Immediate Payment) Annuity
2. A Deferred Annuity, beginning income payments in five years
3. A Deferred Annuity, beginning income payments in 10 years

Flexible Deferred Annuity––A deferred payment date is selected, while reserving the right to start payments in a range of dates, earlier or later. This flexibility can help if, for example, you have not yet decided when you will retire, or if the Rescue Mission needs extra time to sell property that you are gifting to fund the annuity.

Example: A couple, ages 67 and 65, decide they want their deferred payments to begin when they turn 77 and 75. However, they also want the option of choosing an earlier start date (e.g., when they are 72 and 76) or a later start date (e.g., when they are 80 and 77).

Term of Years Annuity

The future payment start date is arranged to coincide with a desired term of payment, and the usual annuity lifetime payments are grouped and paid during this period. Grouped annuity payments can also be used in other ways – for example, to provide payments in years when special project funding is needed for a Rescue Mission program.

For further information and assistance, please contact Steve de Graaf in our Gift and Estate Design Services office.

Phone: 1-619-819-1758 (Steve de Graaf) or Email:

or complete our Confidential Reply Form

Write us: San Diego Rescue Mission, P.O. Box 80427, San Diego, CA 92138-0427