Civic Intelligence

Western Fraternal Life Association

990 • Fiscal year 2023 • EIN 42-0594470

Jan 01, 2023 to Dec 31, 2023 • Filed on Jun 11, 2024

Organization Profilewww.betterlifeins.com

View Organization Page

6522 Grand Teton PlazaMadison, WI 53719

(608) 833-1936

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

84th percentile

0.89x

Higher debt load relative to assets than 84% of similar nonprofits.

2023 filings • $250M-$1B nonprofits • Source year 2023

Liabilities / Revenue

87th percentile

8.39x

Higher debt load relative to revenue than 87% of similar nonprofits.

2023 filings • $250M-$1B nonprofits • Source year 2023

Net Margin

21st percentile

-8.5%

Higher net margin than 21% of similar nonprofits.

2023 filings • $250M-$1B nonprofits • Source year 2023

Top Officer Pay

35th percentile

$437,525

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 0.7% of source-year revenue.

2023 filings • $250M-$1B nonprofits • Source year 2023

Asset Growth

16th percentile

-3.0%

Faster asset growth than 16% of similar nonprofits.

2023 filings • $250M-$1B nonprofits • Annualized from 2022 to 2023

Revenue Growth

82nd percentile

26%

Faster revenue growth than 82% of similar nonprofits.

2023 filings • $250M-$1B nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets84th percentile

Assets

Flat

$603,847,920

Flat from 2023

Net Assets

Flat

$64,793,797

Flat from 2023

Liabilities

Flat

$539,054,123

Flat from 2023

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin21st percentile

Revenue

Flat

$64,263,803

Flat from 2023

Expenses

Flat

$69,734,945

Flat from 2023

Net Income

Flat

-$5,471,142

Flat from 2023

Historical Trend

Balance Sheet Trend

Asset Growth16th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$800M$600M$400M$200M$0Assets 2010: $240,634,547Liabilities 2010: $218,958,080Net Assets 2010: $21,676,4672010Assets 2011: $250,944,786Liabilities 2011: $228,514,405Net Assets 2011: $22,430,3812011Assets 2012: $264,901,892Liabilities 2012: $242,511,775Net Assets 2012: $22,390,1172012Assets 2013: $273,894,053Liabilities 2013: $251,544,968Net Assets 2013: $22,349,0852013Assets 2014: $282,274,649Liabilities 2014: $259,003,612Net Assets 2014: $23,271,0372014Assets 2015: $287,885,239Liabilities 2015: $264,016,227Net Assets 2015: $23,869,0122015Assets 2016: $295,325,782Liabilities 2016: $271,333,090Net Assets 2016: $23,992,6922016Assets 2017: $298,022,314Liabilities 2017: $273,758,876Net Assets 2017: $24,263,4382017Assets 2018: $301,909,674Liabilities 2018: $278,249,179Net Assets 2018: $23,660,4952018Assets 2019: $304,066,274Liabilities 2019: $280,951,720Net Assets 2019: $23,114,5542019Assets 2020: $302,314,413Liabilities 2020: $281,652,451Net Assets 2020: $20,661,9622020Assets 2021: $648,970,346Liabilities 2021: $593,271,475Net Assets 2021: $55,698,8712021Assets 2022: $622,297,981Liabilities 2022: $552,282,652Net Assets 2022: $70,015,3292022Assets 2023: $603,847,920Liabilities 2023: $539,054,123Net Assets 2023: $64,793,7972023Assets 2023: $603,847,920Liabilities 2023: $539,054,123Net Assets 2023: $64,793,7972023Assets 2024: $586,620,274Liabilities 2024: $526,401,594Net Assets 2024: $60,218,6802024

Highlighted filing

2023

Assets$603,847,920
Liabilities$539,054,123
Net Assets$64,793,797
Open 2023 Filing

Operations Trend

Revenue Growth82nd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100M$50M$0-$50MExpenses 2010: $29,875,4192010Expenses 2011: $32,364,8292011Expenses 2012: $35,529,5232012Revenue 2013: $33,146,331Expenses 2013: $33,027,666Net Income 2013: $118,6652013Revenue 2014: $31,113,528Expenses 2014: $29,937,776Net Income 2014: $1,175,7522014Revenue 2015: $28,854,424Expenses 2015: $28,176,422Net Income 2015: $678,0022015Revenue 2016: $30,027,378Expenses 2016: $29,921,214Net Income 2016: $106,1642016Revenue 2017: $30,344,090Expenses 2017: $30,003,428Net Income 2017: $340,6622017Revenue 2018: $29,115,222Expenses 2018: $29,525,009Net Income 2018: -$409,7872018Revenue 2019: $29,785,960Expenses 2019: $30,188,336Net Income 2019: -$402,3762019Revenue 2020: $25,149,208Expenses 2020: $27,619,169Net Income 2020: -$2,469,9612020Revenue 2021: $59,441,063Expenses 2021: $61,498,031Net Income 2021: -$2,056,9682021Revenue 2022: $51,179,407Expenses 2022: $62,754,257Net Income 2022: -$11,574,8502022Revenue 2023: $64,263,803Expenses 2023: $69,734,945Net Income 2023: -$5,471,1422023Revenue 2023: $64,263,803Expenses 2023: $69,734,945Net Income 2023: -$5,471,1422023Revenue 2024: $63,526,747Expenses 2024: $69,224,196Net Income 2024: -$5,697,4492024

Highlighted filing

2023

Revenue$64,263,803
Expenses$69,734,945
Net Income-$5,471,142
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Jun 11, 2024
Return Version
2023v5.0
Gross Receipts
$64,263,803
Mission and Program Overview

Mission

Fraternal Benefit Society - As a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. We strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.

Fraternal Benefit Society - As a fraternal benefit insurance society, our mission is to help our members protect their families' financial futures, build better lives, and better their communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$607,577,149$587,187,282▼ $20,389,867
Rtn Earn Endowment Incm Other Fnds$70,015,329$64,793,797▼ $5,221,532
Land, Buildings, and Equipment, Net$603,307$582,936▼ $20,371
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$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 in Publicly Traded Securities$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→ $0
Cash and Non-Interest-Bearing Accounts$-847,847$-2,034,762▼ $1,186,915
Total Assets$622,297,981$603,847,920▼ $18,450,061
Other Assets Total$14,965,372$18,112,464▲ $3,147,092
Liabilities
Other Liabilities$551,218,976$537,399,584▼ $13,819,392
Accounts Payable and Accrued Expenses$793,001$1,374,017▲ $581,016
Deferred Revenue$227,350$233,986▲ $6,636
Escrow Account Liability$43,325$46,536▲ $3,211
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$552,282,652$539,054,123▼ $13,228,529
Net Assets / Fund Balance
Total Net Assets Fund Balance$70,015,329$64,793,797▼ $5,221,532
Total Liabilities and Net Assets / Fund Balance$622,297,981$603,847,920▼ $18,450,061

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$106,936$1,905,288$2,012,224
Land$476,000-$476,000
Investment Program Related Org$5,894,104--
Other Land Buildings$0$0$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Daniel L ShinnickCEO/Board Chair/Chief Member Advocate/Independent DirectorPT$284,245$154,337$438,582
Craig A Van DykePresident/Chief Investment OfficerFT$317,046$108,570$425,616
Christopher CampbellCEO-$261,685$97,191$358,876
Christopher CampbellBoard Chair/CEO/PresidentFT$315,824$41,903$357,727
Angel L ThomasSVP-Member ExperienceFT$164,146$77,742$241,888
Donald M NielandSVP-IT/SecretaryFT$157,763$74,972$232,735
David J SchlesserVP-National SalesFT$159,445$41,540$200,985
Phyllis A HeleniakVP-Direct to ConsumerFT$162,700$27,961$190,661
Jenna M DunkerSVP-Finance and Treasurer/SVP-Strategic InitiativesFT$145,832$42,675$188,507
Rebecca K LureenManager-Independent SalesFT$157,443$20,426$177,869
Michelle M MaffetVP-Member ServicesFT$118,539$34,698$153,237
Zachary J SnellDirector-Member and Community EngagementFT$102,717$16,459$119,176
Nicolas O McCullickDirector-Management Support ServicesFT$107,019$6,954$113,973
David G SobczakDirector-Sales Training and SupportFT$103,908$5,857$109,765
George F YannaFormer Director-$62,532$62,622$62,622
John T McHugh JrIndependent DirectorPT$56,646-$56,646
Brenda L Stone SullivanIndependent Director-$43,158-$43,158
Duane J JirikIndependent Director-$43,158-$43,158
Maria Ferrante-SchepisIndependent Director-$43,158-$43,158
Mary K BradleyIndependent Director-$43,158-$43,158
Maureen O'Hern HahnIndependent Director-$43,158-$43,158
Michael S HosekIndependent Director-$43,158-$43,158
Nancy Nelson HeykesIndependent Director-$43,158-$43,158
Thomas R JohnsonFormer Director-$40,000$40,000$40,000
John E RashkeFormer Director-$34,625$34,625$34,625
Derek J MetcalfCFOFT$24,138$724$24,862

Highest Paid Contractors

ContractorServicesLocationCompensation
Ipipeline IncTechnology Vendor222 Valley Creek Boulevard, Suite 300, Exton, PA 19341$889,107
Asset Allocation & Management IncInvestment Managers30 West Monroe Street, 3rd Floor, Chicago, IL 60603$477,119
Griffith Ballard & CompanyActuarial Consultants100 1st Ave NE, Ste 117, Cedar Rapids, IA 52401$280,509
Paradigm Partners International LLCStrategy Consultants1158 26th Street, Suite 550, Santa Monica, CA 90403$231,115
-Independent Agent12069 Paseo De Amor Lane, El Paso, TX 79936$158,712
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$64,263,803
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-5,471,142

Audited Revenue Reconciliation

Revenue per Audited Statements
$62,678,600
Revenue Not Reported on Financial Statements
$1,585,203
Revenue Not Reported on Form 990
$-587,971
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$62,090,629
Total Revenue per Form 990
$64,263,803
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$24,550,276
Salaries, Compensation, and Employee Benefits$8,127,033
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$37,057,636
Other Salaries and Wages---$3,885,185
Current Officers, Directors, Trustees, and Key Employees---$2,814,522
All Other Expenses---$1,850,785
Other Expenses---$1,572,345
Office Expenses---$1,321,116
Information Technology---$775,506
Fees for Service Investment Mgmnt Fees---$602,917
Other Employee Benefits---$586,478
Fees for Services Accounting---$537,590
Payroll Taxes---$498,817
Fees for Services Other---$380,121
Occupancy---$350,004
Pension Plan Contributions---$342,031
Depreciation Depletion---$264,127
Advertising---$249,759
Travel---$241,191
Fees for Services Legal---$200,320
Insurance---$139,909
Conferences and Meetings---$28,041
Total Functional Expenses$0$0$0$69,734,945

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$69,734,945
Expenses per Audited Statements$68,149,742
Total Expenses per Audited Statements$68,149,742
Expenses Not Reported on Financial Statements$1,585,203
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
International Activity

International Summary

Offices
0
Employees
0
Spending
$70,869,515

International Compliance

Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No

International Activities

RegionActivityServicesOfficesEmployeesSpending
Central America and the CaribbeanInvestments-00$23,723,716
Europe (including Iceland and Greenland)Investments-00$22,130,062
North America (including Canada and Mexico, but not the United States)Investments-00$15,072,560
East Asia and the PacificInvestments-00$7,388,079
Middle East and North AfricaInvestments-00$2,555,098
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign 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
Reserves - Life, Annuity, A&H$330,901,454
Funds Withheld Under Reinsurance Treaties$167,768,166
Liability for Deposit-Type Contracts$19,813,981
Asset Valuation Reserve$7,780,436
Deferred Compensation Reserve$3,113,604
Post-Retirement Benefit Reserve$2,375,296
Contract Claims Life & A&H$1,817,635
Payables for Securities$1,134,623
Refund Payable - Not yet apportioned$1,041,384
Escheat Items$770,818
Remittances & Items not allocated$483,369
Interest Maintenance Reserve$239,259
Ceded Reinsurance Payable$149,374
Fieldworker Credit Balances$10,185
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“BetterLife is a fraternal benefit insurance society and is therefore owned by its policyholder members.”

Form 990, Part VI, Section A, Line 7A

“BetterLife members elect four of the eight total directors every two years, with the exception of 2024, when all eight are up for election.”

Form 990, Part VI, Section A, Line 9

“Nancy Nelson Heykes PO Box 6, Hazelhurst, WI 54531; John T McHugh Jr. 5702 State Hwy 71, Sparta, WI 54656; Maureen O'Hern Hahn 4 Meadowbrook Lane, Appleton, WI 54914; Brenda L Stone Sullivan 866 Hyland St, Wonewoc, WI 53968; Duane J Jirik 1006 3rd St NE, New Prague, MN 56071; Michael S Hosek 5747 Harding Dr, Lincoln, NE 68521; Mary K Bradley PO Box 432, Frankfort, MI 49635; Maria Ferrante-Schepis 2008 Aiken Court, McKees Rocks, PA 15136; Daniel L Shinnick 8982 Domini Rd, Mt. Horeb, WI 53572; Craig A Van Dyke N2697 Johns Lake Rd, Wautoma, WI 54982; Donald M Nieland 8201 Mayo Dr No. 406, Madison, WI 53719; Phyllis A Heleniak 920 Tipperary St, Giberts, IL 60136.”

Form 990, Part VI, Section B, Line 11B

“The accounting department completed the Form 990 and gave a copy to the CFO and the SVP-Strategic Initiatives to review. Following the review by the CFO and the SVP-Strategic Initiatives, the CEO was given a copy to review. The completed 990 was provided to the Directors who confirmed their review of the document.”

Form 990, Part VI, Section B, Line 12C

“Conflict of interest questionnaires are required from all officers, directors and key employees annually stating any conflict they may have. If there are any stated, the governing body determines any needed action.”

Form 990, Part VI, Section B, Line 15

“A board-appointed compensation committee annually reviews the compensation of the CEO along with the other officers of the organization. Outside salary surveys of similar fraternal benefit societies, data concerning similar positions in the area, the performance and financial status of the society, general cost of living/inflation increases, and general economic conditions are taken into consideration. The recommendations of the compensation committee are then considered by the full board of directors and are either approved or modified. Information regarding the positions to which this process applies and the latest review periods follow: CEO/Board Chair/Chief Member Advocate/Independent Director - 3/2023, President/Chief Investment Officer - 3/2023, CEO - 6/2023, CFO - 11/2023, SVP-Finance and Treasurer/SVP-Strategic Initiatives - 11/2023, VP-Member Services - 3/2023, SVP-Member Experience - 3/2023, VP-Direct to Consumer - 3/2023, SVP-IT/Secretary - 3/2023, VP-National Sales - 5/2023.”

Form 990, Part VI, Section C, Line 19

“The governing documents are filed with our state of domicile (Wisconsin) when any changes are made, published periodically in our official publication, BetterLife magazine, and available upon request. The financial statements are published annually in BetterLife magazine and are filed quarterly with the NAIC and with the states that require them. The conflict of interest policy is available upon request.”

Filing and Contact Details

Filer

Filer Name
Betterlife
EIN
42-0594470
Phone
6088331936
Address
6522 Grand Teton Plaza, Madison, WI 53719

Signing Officer

Name
Derek Metcalf
Title
CFO
Phone
6088246045
Signed
2024-06-11

Organization Details

Principal Officer
Christopher Campbell
Formed
1897
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
8
Employees
108
Volunteers
25,148
Supplemental Narrative

Financial Statement Notes

Schedule D, Part IV, Line 2B

“Branch/lodge funds obtained by closing unused branch/lodge bank accounts are held by BetterLife to be used for other fraternal activities.”

Raw XML AppendixShowing 400 of 1,012 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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IRS990/Desc0FRATERNAL ACTVITIES AND PROGRAMS - BetterLife provides quarterly funding to fraternal groups, varying in amount. Additionally, volunteers may receive cash awards for their efforts. Funds support various initiatives: A. Community Benefit: BetterLife members organize projects aiding scholarship programs, blood drives, and more. B. Fundraisers and Matching Funds: Grants are offered for fundraising events supporting members in need. C. Family Activities: Events like picnics and holiday parties foster family bonds. D. Educational Leadership: Seminars train volunteers for community outreach. E. Patriotic Programs: Support for Flag Day observances, veteran and school initiatives. F. Fraternal Support: Activities maintaining group cohesion and development. G. Fraternal Services: Resources for national mission implementation. 2023 Statistics for A-G: $244,065 Activity Payments; 975 Events; 31,242 Volunteer Hours; $41,315 Corporate Donations; $236,061 Fundraising Funds Raised; $14,184 Fundraising Funds Matched by BetterLife. FRATERNAL BENEFIT PROGRAM: BetterLife offers non-contractual fraternal benefits to members at no extra cost, alongside their life insurance coverage: A. Disaster Benefit: Grants of up to $1,500 for expenses incurred from natural disasters. B. Health Benefit: Grants of up to $1,500 for specific disease expenses. C. Family Fraternal Benefit: Includes newborn death benefit and guaranteed insurance. D. Family Benefit: Offers ten $1,000 awards yearly for various family expenses. E. Member Magazine: Quarterly publication covering member activities and services. F. Orphan Income Benefit: Monthly allowance for orphan care until age 18. G. Orphan Scholarship Benefit: Up to $3,000 yearly for orphaned child education. H. National Scholarship Program: Awards scholarships to young members involved in community service. I. Members in Action: Grants up to $200 twice yearly for local service projects. 2023 Statistics for A-I: $0 (A), $12,000 (B); $0 (C); $10,000 (D); $108,331 (E); $16,900 (F); $0 (G); $68,000 (H); $5,950 (I). LODGE SYSTEM: BetterLife operates through local fraternal lodges known as Member Groups. Each member belongs to a specific group, which hosts planning meetings, biennial elections, and conducts activities within an assigned area. These groups adhere to Society bylaws and organize various benevolent, charitable, educational, and patriotic initiatives within their communities.
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IRS990/Form990PartVIISectionAGrp/PersonNm0Daniel L Shinnick
IRS990/Form990PartVIISectionAGrp/PersonNm1Craig A Van Dyke
IRS990/Form990PartVIISectionAGrp/PersonNm2Christopher Campbell
IRS990/Form990PartVIISectionAGrp/PersonNm3Angel L Thomas
IRS990/Form990PartVIISectionAGrp/PersonNm4Donald M Nieland
IRS990/Form990PartVIISectionAGrp/PersonNm5David J Schlesser
IRS990/Form990PartVIISectionAGrp/PersonNm6Phyllis A Heleniak
IRS990/Form990PartVIISectionAGrp/PersonNm7Jenna M Dunker
IRS990/Form990PartVIISectionAGrp/PersonNm8Rebecca K Lureen
IRS990/Form990PartVIISectionAGrp/PersonNm9Michelle M Maffet
IRS990/Form990PartVIISectionAGrp/PersonNm10Zachary J Snell
IRS990/Form990PartVIISectionAGrp/PersonNm11Nicolas O McCullick
IRS990/Form990PartVIISectionAGrp/PersonNm12David G Sobczak
IRS990/Form990PartVIISectionAGrp/PersonNm13George F Yanna
IRS990/Form990PartVIISectionAGrp/PersonNm14John T McHugh Jr
IRS990/Form990PartVIISectionAGrp/PersonNm15Mary K Bradley
IRS990/Form990PartVIISectionAGrp/PersonNm16Nancy Nelson Heykes
IRS990/Form990PartVIISectionAGrp/PersonNm17Michael S Hosek
IRS990/Form990PartVIISectionAGrp/PersonNm18Duane J Jirik
IRS990/Form990PartVIISectionAGrp/PersonNm19Maureen O'Hern Hahn
IRS990/Form990PartVIISectionAGrp/PersonNm20Brenda L Stone Sullivan
IRS990/Form990PartVIISectionAGrp/PersonNm21Maria Ferrante-Schepis
IRS990/Form990PartVIISectionAGrp/PersonNm22Thomas R Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm23John E Rashke
IRS990/Form990PartVIISectionAGrp/PersonNm24Derek J Metcalf
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/Board Chair/Chief Member Advocate/Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1President/Chief Investment Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Chair/CEO/President
IRS990/Form990PartVIISectionAGrp/TitleTxt3SVP-Member Experience
IRS990/Form990PartVIISectionAGrp/TitleTxt4SVP-IT/Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP-National Sales
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP-Direct to Consumer
IRS990/Form990PartVIISectionAGrp/TitleTxt7SVP-Finance and Treasurer/SVP-Strategic Initiatives
IRS990/Form990PartVIISectionAGrp/TitleTxt8Manager-Independent Sales
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP-Member Services
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director-Member and Community Engagement
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director-Management Support Services
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director-Sales Training and Support
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IRS990/Form990PartVIISectionAGrp/TitleTxt17Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt19Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt20Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt21Independent Director
IRS990/Form990PartVIISectionAGrp/TitleTxt22Former Director
IRS990/Form990PartVIISectionAGrp/TitleTxt23Former Director
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0Fraternal Benefit Society - As a fraternal benefit insurance society, our mission is to help our members protect their families' financial futures, build better lives, and better their communities.
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Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$603,847,920
Liabilities
$539,054,123
Net assets
$64,793,797
Revenue
$64,263,803
Expenses
$69,734,945
Net income
-$5,471,142
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$587$526$60.2$63.5$69.2$5.70
2023Detailed filing. Detailed filing data is available for this year.$604$539$64.8$64.3$69.7$5.47
2023Summary only. Only limited summary data is available for this year.$604$539$64.8$64.3$69.7$5.47
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$622$552$70.0$51.2$62.8$11.6
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$649$593$55.7$59.4$61.5$2.06
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$302$282$20.7$25.1$27.6$2.47
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$304$281$23.1$29.8$30.2$0.40
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$302$278$23.7$29.1$29.5$0.41
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$298$274$24.3$30.3$30.0$0.34
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$295$271$24.0$30.0$29.9$0.11
2015Detailed filing. Detailed filing data is available for this year.$288$264$23.9$28.9$28.2$0.68
2014Detailed filing. Detailed filing data is available for this year.$282$259$23.3$31.1$29.9$1.18
2013Detailed filing. Detailed filing data is available for this year.$274$252$22.3$33.1$33.0$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$265$243$22.4$35.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$251$229$22.4$32.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$241$219$21.7$29.9