A Standard Document creating a charitable remainder annuity trust (CRAT) for a settlor residing in Florida with an annuity period based on concurrent and consecutive interests for two measuring lives. This CRAT is an irrevocable trust created for the initial benefit of two non-charitable beneficiaries who receive a guaranteed annuity concurrently then consecutively for a specified term. At the end of the term, the property is distributed to one or more charitable beneficiaries.