What Is a Charitable Gift Annuity? | The Institute for Creation Research

What Is a Charitable Gift Annuity?

A charitable gift annuity (CGA) is a simple, proven way to make a gift to ICR and receive fixed income for life—often at rates higher than CDs. Payments are secure, may be partly tax-free, and your gift can provide a charitable tax deduction.

Retiring With Grace: Kerry’s Story

ICR supporters Kerry and Jon Brenner

I’m Kerry and I serve as a docent at the ICR Discovery Center. I’m also a donor to the ministry because Dr. Henry M. Morris instilled in me a desire for all mankind to know Jesus as their Creator, Savior, and coming King. “For since the creation of the world His invisible attributes are clearly seen, being understood by the things that are made, even His eternal power and Godhead” (Romans 1:20).

ICR is dedicated to empower all communities, churches, and pastors with resources to combat evolution, secular humanism, and atheism. We are so thankful for all our donors who faithfully provide ICR with the resources to carry out this mission. I have the benefit of witnessing that fruit in the thousands of guests who visit each year.

My husband and I recently invested in an ICR Charitable Gift Annuity (CGA). There was a huge tax benefit up front and a substantial annual tax benefit. I also had an IRA that had taken many market hits over the years and wasn’t earning interest. At a certain age, we all have to take required minimum distributions (RMDs), so I rolled the IRA over into an ICR CGA. Now my annuity payments replace the RMDs! These annuity payments can be an important part of your estate planning and will be there for life. They guarantee that your generosity will continue after you’re gone. ICR Donor Relations can give you more information regarding their CGAs.

Please visit the Discovery Center soon. You never know . . . perhaps today He will return!

How a CGA Works

  • Make a charitable contribution using cash, securities, qualified charitable distributions (QCDs), or IRAs.
  • Receive fixed payments—monthly, quarterly, semiannually, or annually—directly deposited into your bank account.
  • Support ICR’s mission: When the annuity concludes, the remaining balance supports ICR’s work to extend your impact beyond your lifetime.

Why Donors Want a CGA

  • Guaranteed income for life at a fixed, nonfluctuating rate
  • Tax advantages: Potential income tax deductions and savings on capital gains
  • Survivor benefits allow another annuitant to receive income for life

Giving through a CGA allows you to give with joy, confidence, and purpose—meeting personal financial needs while investing in a Christ-centered ministry. For confidential, Christ-centered guidance, visit ICRGiving.org, email stewardship@icr.org, or call 214-615-8353.

Mrs. Krieg is the director of planned giving at the Institute for Creation Research.

Cite this article: Regina Krieg. 2026. What Is a Charitable Gift Annuity?. Acts & Facts. 55 (2), 19.

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