Civic Intelligence

1891 Financial Life

EIN 36-1981330 • 501(c)8 • Schaumburg, IL

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Profile

1891 financial life is a community-based insurance organization that offers products and member benefits that assist individuals and their families in achieving financial security, while helping to build stronger communities by supporting service projects that reflect common shared values.

200 N Martingale Rd Ste 405Schaumburg, IL 60173

www.1891financiallife.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

89th percentile

0.90x

Higher debt load relative to assets than 89% of similar nonprofits.

$100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

94th percentile

13.12x

Higher debt load relative to revenue than 94% of similar nonprofits.

$100M-$250M nonprofits • Source year 2024

Net Margin

13th percentile

-15%

Higher net margin than 13% of similar nonprofits.

$100M-$250M nonprofits • Source year 2024

Top Officer Pay

29th percentile

$245,710

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

$100M-$250M nonprofits • Source year 2024

Asset Growth

12th percentile

-4.1%

Faster asset growth than 12% of similar nonprofits.

$100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

4th percentile

-48%

Faster revenue growth than 4% of similar nonprofits.

$100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets89th percentile

Assets

Down

$151,132,165

Down $6,483,025 (-4.1%) from 2023

Liabilities

Down

$136,045,265

Down $5,112,593 (-3.6%) from 2023

Net Assets

Down

$15,086,900

Down $1,370,432 (-8.3%) from 2023

Operations
Liabilities / Revenue94th percentileNet Margin13th percentile

Revenue

Down

$10,371,568

Down $9,620,408 (-48%) from 2023

Expenses

Down

$11,910,809

Down $9,024,485 (-43%) from 2023

Net Income

Down

-$1,539,241

Down $595,923 (-63%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $128,587,028Liabilities 2010: $114,474,354Net Assets 2010: $14,112,6742010Assets 2011: $131,037,192Liabilities 2011: $116,070,348Net Assets 2011: $14,966,8442011Assets 2012: $162,566,919Liabilities 2012: $148,800,043Net Assets 2012: $13,766,8762012Assets 2013: $173,486,820Liabilities 2013: $158,197,971Net Assets 2013: $15,288,8492013Assets 2014: $172,347,722Liabilities 2014: $158,900,446Net Assets 2014: $13,447,2762014Assets 2015: $173,088,307Liabilities 2015: $159,171,287Net Assets 2015: $13,917,0202015Assets 2016: $173,558,835Liabilities 2016: $158,331,031Net Assets 2016: $15,227,8042016Assets 2017: $169,957,734Liabilities 2017: $153,375,675Net Assets 2017: $16,582,0592017Assets 2018: $166,583,181Liabilities 2018: $149,058,382Net Assets 2018: $17,524,7992018Assets 2019: $164,440,786Liabilities 2019: $146,746,420Net Assets 2019: $17,694,3662019Assets 2020: $164,258,473Liabilities 2020: $146,275,748Net Assets 2020: $17,982,7252020Assets 2021: $168,779,448Liabilities 2021: $150,488,659Net Assets 2021: $18,290,7892021Assets 2022: $164,907,014Liabilities 2022: $146,758,077Net Assets 2022: $18,148,9372022Assets 2023: $157,615,190Liabilities 2023: $141,157,858Net Assets 2023: $16,457,3322023Assets 2024: $151,132,165Liabilities 2024: $136,045,265Net Assets 2024: $15,086,9002024

Highlighted filing

2024

Assets$151,132,165
Liabilities$136,045,265
Net Assets$15,086,900
Open 2024 Filing

Operations Trend

Revenue Growth4th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0-$20MExpenses 2010: $10,176,6652010Expenses 2011: $12,509,4782011Expenses 2012: $40,933,0132012Revenue 2013: $26,155,701Expenses 2013: $25,486,183Net Income 2013: $669,5182013Revenue 2014: $14,775,958Expenses 2014: $13,714,852Net Income 2014: $1,061,1062014Revenue 2015: $15,429,506Expenses 2015: $16,048,732Net Income 2015: -$619,2262015Revenue 2016: $14,429,109Expenses 2016: $13,635,148Net Income 2016: $793,9612016Revenue 2017: $11,201,239Expenses 2017: $10,638,296Net Income 2017: $562,9432017Revenue 2018: $11,450,112Expenses 2018: $10,771,653Net Income 2018: $678,4592018Revenue 2019: $20,769,466Expenses 2019: $20,655,550Net Income 2019: $113,9162019Revenue 2020: $16,789,858Expenses 2020: $17,477,032Net Income 2020: -$687,1742020Revenue 2021: $18,624,381Expenses 2021: $18,236,809Net Income 2021: $387,5722021Revenue 2022: $15,073,073Expenses 2022: $14,633,274Net Income 2022: $439,7992022Revenue 2023: $19,991,976Expenses 2023: $20,935,294Net Income 2023: -$943,3182023Revenue 2024: $10,371,568Expenses 2024: $11,910,809Net Income 2024: -$1,539,2412024

Highlighted filing

2024

Revenue$10,371,568
Expenses$11,910,809
Net Income-$1,539,241
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$151,132,165
Liabilities
$136,045,265
Net assets
$15,086,900
Revenue
$10,371,568
Expenses
$11,910,809
Net income
-$1,539,241
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$151$136$15.1$10.4$11.9$1.54
2023Detailed filing. Detailed filing data is available for this year.$158$141$16.5$20.0$20.9$0.94
2022Detailed filing. Detailed filing data is available for this year.$165$147$18.1$15.1$14.6$0.44
2021Detailed filing. Detailed filing data is available for this year.$169$150$18.3$18.6$18.2$0.39
2020Detailed filing. Detailed filing data is available for this year.$164$146$18.0$16.8$17.5$0.69
2019Detailed filing. Detailed filing data is available for this year.$164$147$17.7$20.8$20.7$0.11
2018Detailed filing. Detailed filing data is available for this year.$167$149$17.5$11.5$10.8$0.68
2017Detailed filing. Detailed filing data is available for this year.$170$153$16.6$11.2$10.6$0.56
2016Detailed filing. Detailed filing data is available for this year.$174$158$15.2$14.4$13.6$0.79
2015Detailed filing. Detailed filing data is available for this year.$173$159$13.9$15.4$16.0$0.62
2014Detailed filing. Detailed filing data is available for this year.$172$159$13.4$14.8$13.7$1.06
2013Detailed filing. Detailed filing data is available for this year.$173$158$15.3$26.2$25.5$0.67
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$149$13.8$40.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$131$116$15.0$12.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$114$14.1$10.2
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 20, 2025
Return Version
2024v5.1
Gross Receipts
$20,025,471
Mission and Program Overview

Mission

1891 Financial Life Formerly: National Catholic Society of Foresters is a member based organization that partners with Christian families by extending quality products services and fraternal benefits to achieve financial peace of mind for members while promoting social and community involvement.

1891 financial life is a community-based insurance organization that offers products and member benefits that assist individuals and their families in achieving financial security while helping to build stronger communities by supporting service projects that reflect common shared values.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$152,976,734$145,160,032▼ $7,816,702
Rtn Earn Endowment Incm Other Fnds$16,457,336$15,086,900▼ $1,370,436
Other Notes and Loans Receivable, Net$1,994,497$2,003,689▲ $9,192
Savings and Temporary Cash Investments$192,390$1,660,701▲ $1,468,311
Cash and Non-Interest-Bearing Accounts$471,933$240,153▼ $231,780
Land, Buildings, and Equipment, Net$12,792$16,116▲ $3,324
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$157,615,190$151,132,165▼ $6,483,025
Other Assets Total$1,966,844$2,051,474▲ $84,630
Liabilities
Other Liabilities$140,338,115$135,111,112▼ $5,227,003
Accounts Payable and Accrued Expenses$728,639$837,289▲ $108,650
Deferred Revenue$91,100$96,864▲ $5,764
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$141,157,854$136,045,265▼ $5,112,589
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,457,336$15,086,900▼ $1,370,436
Total Liabilities and Net Assets / Fund Balance$157,615,190$151,132,165▼ $6,483,025

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,116$1,822,097$1,838,213
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa BickusCEOFT$203,123$42,587$245,710
Brian LawlessBoard Treasu-$19,500-$19,500
Jeanne FillippDirector-$18,000-$18,000
Margaret SchmittBoard Chair-$17,500-$17,500
Leah JansenDirector-$15,875-$15,875
Christine CorsoDirector-$14,625-$14,625
Carole WitkowskiDirector-$14,000-$14,000
Collette CesarDirector-$14,000-$14,000
Michael FriarDirector-$10,500-$10,500

Highest Paid Contractors

ContractorServicesLocationCompensation
Management Data INCInsurance Softw2060 OAK MOUNTAIN DR, Pelham, AL 35124$197,267
Parkway Advisors LLPInvestment6550 DIRECTORS PKWY, Abilene, TX 79606$139,017
Griffith Ballard & CoActuarial100 FIRST AVE NORTHEAST STE 117, Cedar Rapids, IA 52401$118,350
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,188,447
Investment Income
$7,183,121
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$-1,539,241

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,899,646
Revenue Not Reported on Financial Statements
$471,922
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$471,922
Total Revenue per Audited Statements
$9,899,646
Total Revenue per Form 990
$10,371,568
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,647,044
Salaries, Compensation, and Employee Benefits$2,021,601
Grants and Similar Amounts Paid$66,312
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$7,175,852--$7,175,852
Other Salaries and Wages$0$1,081,179$0$1,081,179
Fees for Services Other$0$505,956$0$505,956
Information Technology$0$499,414$0$499,414
Current Officers, Directors, Trustees, and Key Employees$0$459,226$0$459,226
Other Employee Benefits$0$333,263$0$333,263
Occupancy$0$273,621$0$273,621
Office Expenses$0$216,958$0$216,958
Depreciation Depletion$0$190,338$0$190,338
Fees for Service Investment Mgmnt Fees$0$164,247$0$164,247
Payroll Taxes$0$118,830$0$118,830
Advertising$0$83,988$0$83,988
Conferences and Meetings$0$76,862$0$76,862
Insurance$0$52,047$0$52,047
Fees for Services Legal$0$50,670$0$50,670
Fees for Services Accounting$0$48,520$0$48,520
Grants to Domestic Individuals$44,400--$44,400
Travel$0$31,318$0$31,318
Pension Plan Contributions$0$29,103$0$29,103
Grants to Domestic Orgs$21,912--$21,912
Other Expenses$0$13,221$0$13,221
All Other Expenses$0$7,780$0$7,780
Total Functional Expenses$7,242,164$4,668,645$0$11,910,809

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$11,910,809
Expenses per Audited Statements$11,438,887
Total Expenses per Audited Statements$11,438,887
Expenses Not Reported on Financial Statements$471,922
Other Expense Adjustments$471,922
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Aggregate Reserves for Life Contracts$127,671,486
Reserve for Life Contract Claims$2,980,673
Liability for Deposit Type Contracts$2,915,797
Asset Valuation Reserve$1,343,863
Remittances and Items Not Allocated$172,025
Provision for Refunds Payable$23,400
Amounts Withheld or Retained$3,868
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 6

“| Explanation:| Form 990 Part VI Line 6 - Classes of Members or Stockholders Qualification for membership in 1891 Financial Life requires the Societys common bond which is to unite people who have an interest consistent with the purposes of the Society are to: promote friendship unity and true Catholic charity among its members foster fraternal and benevolent activities further the progress of the Catholic church encourage patriotism and loyalty to the United States of America.”

Part VI Line 7

“| Explanation:| Form 990 Part VI Line 7a - Election of Members and Their Rights Active members. Each Beneficial member age 16 and above in good standing is entitled to vote for the governing Board.”

Part VI Line 11

“| Explanation:| Form 990 Part VI Line 11b - Organizations Process to Review Form 990 The CEO will review the 990 tax return before it is filed.”

Part VI Line 12

“| Explanation:| Form 990 Part VI Line 12c - Enforcement of Conflicts Policy The Board of Directors are required to complete a conflict of interest questionnaire annually reporting any conflict of interest positions that may exist.”

Part VI Line 19

“| Explanation:| Form 990 Part VI Line 19 - Governing Document Disclosure Explanation The Society makes its governing documents Constitution & bylaws available to the public via our website. Other documents available upon request.”

Filing and Contact Details

Filer

Filer Name
1891 Financial Life
EIN
36-1981330
In Care Of
% Lisa M Bickus
Phone
8722632387
Address
200 N MARTINGALE RD STE 405, SCHAUMBURG, IL 60173

Signing Officer

Name
Lisa Bickus
Title
CEO
Signed
2025-05-20

Organization Details

Principal Officer
Lisa M Bickus
Formed
1894
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
22
Volunteers
0
Supplemental Narrative

Additional Explanations

Part XI Line 9

“| Explanation:| Form 990 Part XI Line 9 - Other Changes in Net Assets Explanation INVESTMENT MANAGEMENT FEES $ -164,247 INVESTMENT EXPENSE $ -282,727 INVESTMENT EXPENSE $ -24,948 NVESTMENT MANAGEMENT FEES $ 164,247 INVESTMENT EXPENSE $ 282,727 INVESTMENT EXPENSE $ 24,948”

Financial Statement Notes

Part I to XII

“| PartandLinenumber:,Explanation:| Part XI Line 4,Part XI Line 4b - Revenue Amounts Included on Return - Other| Part XII Line 4,Part XII Line 4b - Expense Amounts included on Return - Other|”

Raw XML AppendixShowing 400 of 668 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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