A CGA can provide guarantee income for your lifetime or the lifetimes of you and a second person. Annuitants can select to receive their payments annually, bi-annually, or quarterly.   

Payments, which are based on several factors including the age at the time of funding, are fixed, will never fluctuate, and cannot be outlived. To ensure funds will always be available for your payments, Focus will hold the entire funding amount in reserve.

Supporting Focus on the Family beyond your lifetime helps to ensure that the ministry will be here to stand in the gap for parents, expectant mothers, children, and the biblical culture of family for the next generation.

CGAs are a great tool to help you supplement income for retirement and achieve your charitable goals. Even if you haven’t retired, you can choose a Deferred CGA. This means you can still receive an immediate charitable income tax deduction but defer the start of payments until later when you’ll need them. The longer you defer payments, the higher your distributions will be.

In December 2022, the Secure Act 2.0 expanded IRA benefits to include utilizing a Qualified Charitable Distribution (QCD) for fund a CGA. Read more about this here.