Civic Intelligence

Academy of Life Underwriting

990 • Fiscal year 2014 • EIN 45-5087087

Jul 01, 2013 to Jun 30, 2014 • Filed on May 12, 2015

Organization ProfileWWW.ALU-WEB.COM
1554 Paoli Pike No 31319380

(949) 420-8045

Siviq Scores

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

Liabilities / Assets

19th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2014

Liabilities / Revenue

19th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2014

Net Margin

71st percentile

10%

Higher net margin than 71% of similar nonprofits.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2014

Top Officer Pay

37th percentile

$0

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2014

Asset Growth

59th percentile

6.9%

Faster asset growth than 59% of similar nonprofits.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2013 to 2014

Revenue Growth

100th percentile

302%

Faster revenue growth than 100% of similar nonprofits.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2012 to 2014

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$944,864

Up $60,650 (+6.9%) from 2013

Net Assets

Up

$944,864

Up $60,650 (+6.9%) from 2013

Liabilities

Flat

$0

Flat from 2013

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin71st percentile

Revenue

$602,009

No earlier filing loaded for comparison.

Expenses

Down

$541,078

Down $53,544 (-9.0%) from 2013

Net Income

$60,931

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth59th percentile

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

$1.5M$1.0M$500K$0Assets 2012: $854,889Liabilities 2012: $0Net Assets 2012: $854,8892012Assets 2013: $884,214Liabilities 2013: $0Net Assets 2013: $884,2142013Assets 2014: $944,864Liabilities 2014: $0Net Assets 2014: $944,8642014Assets 2015: $1,007,483Liabilities 2015: $0Net Assets 2015: $1,007,4832015Assets 2016: $1,096,054Liabilities 2016: $0Net Assets 2016: $1,096,0542016Assets 2017: $1,100,037Liabilities 2017: $0Net Assets 2017: $1,100,0372017Assets 2018: $1,042,546Liabilities 2018: $0Net Assets 2018: $1,042,5462018Assets 2019: $956,247Liabilities 2019: $0Net Assets 2019: $956,2472019Assets 2020: $907,874Liabilities 2020: $0Net Assets 2020: $907,8742020Assets 2021: $639,330Liabilities 2021: $0Net Assets 2021: $639,3302021Assets 2022: $619,142Liabilities 2022: $0Net Assets 2022: $619,1422022Assets 2023: $576,263Liabilities 2023: $0Net Assets 2023: $576,2632023

Highlighted filing

2014

Assets$944,864
Liabilities$0
Net Assets$944,864
Open 2014 Filing

Operations Trend

Revenue Growth100th percentile

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

$1.0M$500K$0-$500KRevenue 2012: $37,168Expenses 2012: $118,271Net Income 2012: -$81,1032012Expenses 2013: $594,6222013Revenue 2014: $602,009Expenses 2014: $541,078Net Income 2014: $60,9312014Revenue 2015: $569,401Expenses 2015: $506,782Net Income 2015: $62,6192015Revenue 2016: $582,301Expenses 2016: $495,966Net Income 2016: $86,3352016Revenue 2017: $588,521Expenses 2017: $584,148Net Income 2017: $4,3732017Revenue 2018: $522,276Expenses 2018: $579,767Net Income 2018: -$57,4912018Revenue 2019: $513,687Expenses 2019: $599,986Net Income 2019: -$86,2992019Revenue 2020: $527,289Expenses 2020: $575,662Net Income 2020: -$48,3732020Revenue 2021: $391,119Expenses 2021: $659,663Net Income 2021: -$268,5442021Revenue 2022: $484,298Expenses 2022: $492,287Net Income 2022: -$7,9892022Revenue 2023: $549,725Expenses 2023: $596,034Net Income 2023: -$46,3092023

Highlighted filing

2014

Revenue$602,009
Expenses$541,078
Net Income$60,931
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2013 to Jun 30, 2014
Signed
May 12, 2015
Return Version
2013v4.0
Gross Receipts
$602,009
Mission and Program Overview

Mission

Academy of life underwriting (alu) offers information, education and development opportunities and recognition of educational accomplishments to life insurance underwriters and other individuals interested in life insurance underwriting.

The academy of life underwriting is organized to establish and administer professional education, certification, and credentialing programs in the field of life insurance underwriting, and to improve and enhance business conditions in the life insurance underwriting industry.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$883,996$944,864▲ $60,868
Rtn Earn Endowment Incm Other Fnds$884,214$944,864▲ $60,650
Land, Buildings, and Equipment, Net$218--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$884,214$944,864▲ $60,650
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$884,214$944,864▲ $60,650
Total Liabilities and Net Assets / Fund Balance$884,214$944,864▲ $60,650
Compensation and Service Providers
Top Officer Pay37th percentile

Board Members and Trustees

NameTitle
Maureen LeydonChair/board Member
Margaret TaffBoard Member/president
Vicki RathBoard Member
Mark KoenigSecretary/board Member
Jennifer JohnsonTreasurer/board Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Risk Selection Resources LLCAdministrative-$100,470
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$599,510
Investment Income
$557
Other Revenue
$1,942
Change in Net Assets
$60,931

Audited Revenue Reconciliation

Revenue per Audited Statements
$602,009
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$602,009
Total Revenue per Form 990
$602,009
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$540,078
Salaries, Compensation, and Employee Benefits$1,000
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$193,166
Conferences and Meetings---$132,878
Office Expenses---$16,350
Other Expenses---$13,708
Information Technology---$10,915
All Other Expenses---$10,734
Insurance---$4,640
Travel---$3,718
Fees for Services Accounting---$3,266
Fees for Services Legal---$1,092
Current Officers, Directors, Trustees, and Key Employees---$1,000
Total Functional Expenses$0$0$0$541,078

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$541,078
Total Expenses per Audited Statements$541,078
Total Expenses per Form 990$541,078
Expenses Not Reported on Financial Statements$0
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
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
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 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

Form 990, Part VI, Section B, Line 11

“The full 990 was provided to the alu board electronically for review prior to its filing.”

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

“A conflict of interest statement is requested annually from each director and is reviewed for conflicts.”

Form 990, Part VI, Section B, Line 15

“The organization has no paid staff, therefore, a compensation policy is not in place.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public on its website.”

Filing and Contact Details

Filer

EIN
45-5087087
Phone
9494208045

Signing Officer

Name
Frank Goetz
Title
President
Phone
9494208045
Signed
2015-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Frank Goetz
Formed
2012
Legal Domicile
Pa
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
80

Preparer

Preparer
Chris Henke
Phone
6516363806
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Administrative services 94,470. Advertising commission 9,586. Circulation management 11,854. Educational consulting 4,000. Proof reading 4,007. Publishing management 52,725. Circulation editing 6,000. Honorariums 10,524.”

Financial Statement Notes

PART X, LINE 2:

“Alu has tax-exempt status under section 501(c)(6) of the internal revenue code. Management has analyzed the tax positions taken by alu and has concluded that as of june 30, 2014, there are no uncertain positions taken or expected to be taken requiring disclosure in the financial statements. Alu is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. Alu believes all tax years are presently open for and subject to income tax examinations.”

Raw XML Appendix331 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/Desc0CERTIFICATION EXAM PREPARATION AND ADMINISTRATION:THE EXAMINATION GROUP OF ALU PREPARES AND ADMINISTERS FOUR EXAMINATIONS TO ASSESS THE KNOWLEDGE AND EXPERIENCE OF LIFE INSURANCE UNDERWRITERS COMPARED TO THE ESTABLISHED ALU CURRICULUM. THE ALU EXAMS ARE CREATED BY A TEAM OF MORE THAN THIRTY VOLUNTEERS, ALL PRACTICING LIFE UNDERWRITERS OR COMPANY MEDICAL DIRECTORS, IN A WELL-ESTABLISHED PROCESS THAT TAKES MORE THAN SIX MONTHS. EACH TEAM MEMBER WRITES QUESTIONS BASED UPON ASSIGNED TEXTBOOK CHAPTERS. THE QUESTIONS ARE REVIEWED AND IMPROVED IN SMALL GROUP DISCUSSION, AND THEN ASSEMBLED INTO THE FOUR ALU EXAMS. ALU VOLUNTEERS WHO WRITE QUESTIONS ARE SCHOOLED IN THE ART OF WRITING VALID EXAM QUESTIONS BY AN EDUCATIONAL TESTING CONSULTANT. NEW ALU EXAMINATIONS ARE CREATED EACH YEAR.ALU EXAMINATIONS ARE ADMINISTERED ANNUALLY. MOST STUDENTS TAKE ALU EXAMINATIONS AT EXAM LOCATIONS OFFERED (WITHOUT CHARGE) BY LIFE INSURANCE COMPANIES. THE EXAMINATIONS ARE SUPERVISED IN EACH EXAM LOCATION BY VOLUNTEER EXAM PROCTORS. ONCE THE EXAMINATIONS ARE COMPLETED AND RETURNED TO THE ALU ADMINISTRATION OFFICE FOR SCORING, STUDENTS ARE INFORMED OF THEIR EXAM RESULTS IN WRITING. THE MOST RECENT ALU EXAMS WERE OFFERED ON APRIL 15, 2014. FOR THAT DAY, 1,348 STUDENTS HAD REGISTERED TO TAKE ONE OF THE FOUR ALU EXAMS OFFERED AT 423 ALU EXAM SITES. CURRICULUM DEVELOPMENT AND TEXTBOOK PUBLICATION: THE ALU CURRICULUM THAT SERVES AS THE BASIS FOR THE CERTIFICATION PROGRAM FOR THE LIFE UNDERWRITING PROFESSION WAS DEVELOPED AND IS MAINTAINED BY THE ALU CURRICULUM GROUP. MEMBERS OF THE CURRICULUM GROUP ARE ALL VOLUNTEERS AND PRACTICING LIFE INSURANCE UNDERWRITERS OR INSURANCE COMPANY MEDICAL DIRECTORS. AS LIFE INSURANCE UNDERWRITING IS A DYNAMIC PROFESSION, THE ALU CURRICULUM GROUP MUST CONTINUALLY REVIEW THE LEGAL ENVIRONMENT FOR THE LIFE INSURANCE INDUSTRY, THE INFORMATION AVAILABLE TO A LIFE UNDERWRITER TO FACILITATE THE UNDERWRITING PROCESS AND THE CHANGING NATURE OF THE LIFE INSURANCE UNDERWRITER'S PROFESSIONAL RESPONSIBILITIES AND ACCOUNTABILITIES. AS KEY FACTORS IN THE LIFE UNDERWRITER'S PROFESSION CHANGE, THE ALU CURRICULUM GROUP UPDATES THE ALU LIFE UNDERWRITING CURRICULUM ACCORDINGLY. BASED UPON THE ALU CURRICULUM, THE CURRICULUM GROUP CREATES AND PUBLISHES FOUR TEXTBOOKS COVERING BASIC, INTERMEDIATE MEDICAL, INTERMEDIATE NON-MEDICAL AND ADVANCED TOPICS IN LIFE INSURANCE UNDERWRITING. TO KEEP PACE WITH AN EVOLVING INDUSTRY, THE ALU TEXTBOOKS ARE UPDATED AT LEAST EVERY TWO YEARS. TOGETHER WITH A COMMERCIAL ANATOMY & PHYSIOLOGY TEXTBOOK, THESE FOUR ALU TEXTBOOKS COVER THE ALU CURRICULUM IN DETAIL AND SERVE AS THE STUDY MATERIALS USED BY STUDENTS TO PREPARE FOR THE ALU EXAMINATIONS.ALU TEXTBOOKS ARE OFFERED FOR FREE VIA INTERNET DOWNLOAD ON ALU'S WEBSITE (WWW.ALU-WEB.COM). HARDBOUND TEXTBOOKS ARE SOLD THROUGH THE ALU OFFICE. CREDENTIALING AND RECOGNITION OF STUDENT ACCOMPLISHMENT:ALU RECOGNIZES STUDENTS WHO MEET THE ALU CERTIFICATION REQUIREMENTS BY CONFERRING SEVERAL DIPLOMAS AND PROFESSIONAL DESIGNATIONS. ALU BELIEVES THAT SUCCESSFUL AND PROFICIENT LIFE INSURANCE UNDERWRITERS MUST WORK CLOSELY WITH ACTUARIES, ATTORNEYS, ADMINISTRATIVE AND SALES PROFESSIONALS AND COMPANY MANAGEMENT. TO THAT END, REQUIREMENTS FOR AN ALU DIPLOMA INCLUDE SUCCESSFUL COMPLETION OF THE ALU EXAMINATIONS ALONG WITH TAKING AND PASSING OUTSIDE EDUCATIONAL COURSES OFFERED BY THE LIFE OFFICE MANAGEMENT ASSOCIATION AND THE AMERICAN COLLEGE OF FINANCIAL SERVICES. STUDENTS WHO PASS ALL ALU EXAMINATIONS AND ALL OUTSIDE COURSE REQUIREMENTS ARE AWARDED THE FELLOW, ACADEMY OF LIFE UNDERWRITING (FALU) DESIGNATION AND DIPLOMA. THROUGH JUNE 30, 2014, 1,990 STUDENTS HAVE EARNED FALU CERTIFICATION.
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IRS990/ProgSrvcAccomActy2Grp/Desc0ON THE RISK: THE JOURNAL OF THE ACADEMY OF LIFE UNDERWRITING:ON THE RISK: THE JOURNAL OF THE ACADEMY OF LIFE UNDERWRITING (OTR) IS A PROFESSIONAL JOURNAL PUBLISHED QUARTERLY BY ALU. THE ON THE RISK EXECUTIVE EDITORIAL TEAM, TOGETHER WITH A GROUP OF EDITORS AND MANAGERS, SECURES TIMELY, IN-DEPTH ARTICLES WRITTEN BY PRACTITIONERS IN THE UNDERWRITING COMMUNITY. OTR IS DISTRIBUTED TO MEMBERS OF THE ASSOCIATION OF HOME OFFICE UNDERWRITERS AND CANADIAN INSTITUTE OF UNDERWRITERS AS A BENEFIT OF MEMBERSHIP, AND DIRECT SUBSCRIPTIONS MAY BE PURCHASED. ON THE RISK REACHES APPROXIMATELY 2,000 SUBSCRIBERS WITH EACH ISSUE. THIS JOURNAL SERVES THE PROFESSIONAL AND CONTINUING EDUCATION NEEDS OF THE AHOU, THE CIU AND THE WORLDWIDE PROFESSIONAL UNDERWRITING READERSHIP. ON THE RISK SUPPORTS THE MISSION OF ACADEMY OF LIFE UNDERWRITING BY PROVIDING CONTINUING EDUCATION AND PUBLIC RECOGNITION FOR LIFE INSURANCE UNDERWRITERS AND THE MEMBERS OF AHOU AND CIU, BY ENCOURAGING UNDERWRITERS TO OBTAIN THE ASSOCIATE, ACADEMY OF LIFE UNDERWRITING (AALU) AND FELLOW, THE ACADEMY OF LIFE UNDERWRITING (FALU) DESIGNATIONS, AND BY PROMOTING ACADEMY OF LIFE UNDERWRITING PROGRAMS.
IRS990/ProgSrvcAccomActy3Grp/Desc0CONTINUING EDUCATION:EACH YEAR, THE UNDERWRITING DEVELOPMENT AND CONTINUING EDUCATION GROUP OF THE ACADEMY OF LIFE UNDERWRITING CREATES AND OFFERS SEVERAL OPPORTUNITIES FOR LIFE INSURANCE UNDERWRITERS TO STUDY AND DISCUSS SPECIFIC EMERGING AND ESTABLISHED TOPICS IMPORTANT TO THEIR PROFESSION. THIS GROUP IS COMPRISED OF PRACTICING LIFE UNDERWRITERS OR UNDERWRITING MANAGERS. THE UNDERWRITING DEVELOPMENT GROUP CREATES AND ADMINISTERS ONLINE WEBINARS SEVERAL TIMES EACH YEAR. THESE ONE-HOUR ONLINE SEMINARS INCLUDE PRESENTATIONS ON TIMELY UNDERWRITING TOPICS BY INDUSTRY EXPERTS, WHERE PARTICIPANTS CAN QUESTION THE EXPERTS IN MODERATED SESSIONS OVER THE INTERNET. THROUGH JUNE 30, 2014, THE GROUP HAS PRESENTED TEN ONLINE WEBINARS ON SPECIFIC MEDICAL AND UNDERWRITING TOPICS. THIS GROUP PERIODICALLY OFFERS TWO-DAY SEMINARS WITH MULTIPLE SPEAKERS FOCUSED ON A SPECIFIC TOPIC. WEBINARS ARE OFFERED TO UNDERWRITING COMPANIES BY ANNUAL SUBSCRIPTION AND TO INDIVIDUALS BY INDIVIDUAL REGISTRATION. THE FORUM GROUP ORGANIZES AN ANNUAL ACADEMY OF LIFE UNDERWRITING FORUM. THIS IS A TWO-DAY MEETING ATTENDED BY CHIEF LIFE UNDERWRITERS FROM A NUMBER OF LIFE INSURANCE COMPANIES, WHERE CURRENT CHALLENGES AND FUTURE TRENDS IN THE LIFE UNDERWRITING PROFESSION ARE DISCUSSED.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01474
IRS990/PYOtherExpensesAmt0594622
IRS990/PYOtherRevenueAmt060145
IRS990/PYProgramServiceRevenueAmt0562328
IRS990/PYRevenuesLessExpensesAmt029325
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt0594622
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0623947
IRS990/ReconcilationRevenueExpnssAmt060931
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0884214
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0944864
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0883996
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0944864
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0541078
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0602009
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ALU HAS TAX-EXEMPT STATUS UNDER SECTION 501(C)(6) OF THE INTERNAL REVENUE CODE. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY ALU AND HAS CONCLUDED THAT AS OF JUNE 30, 2014, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN REQUIRING DISCLOSURE IN THE FINANCIAL STATEMENTS. ALU IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. ALU BELIEVES ALL TAX YEARS ARE PRESENTLY OPEN FOR AND SUBJECT TO INCOME TAX EXAMINATIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt0541078
IRS990ScheduleD/TotalRevenuePerForm990Amt0602009
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0602009
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0541078
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FULL 990 WAS PROVIDED TO THE ALU BOARD ELECTRONICALLY FOR REVIEW PRIOR TO ITS FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A CONFLICT OF INTEREST STATEMENT IS REQUESTED ANNUALLY FROM EACH DIRECTOR AND IS REVIEWED FOR CONFLICTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION HAS NO PAID STAFF, THEREFORE, A COMPENSATION POLICY IS NOT IN PLACE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC ON ITS WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ADMINISTRATIVE SERVICES 94,470. ADVERTISING COMMISSION 9,586. CIRCULATION MANAGEMENT 11,854. EDUCATIONAL CONSULTING 4,000. PROOF READING 4,007. PUBLISHING MANAGEMENT 52,725. CIRCULATION EDITING 6,000. HONORARIUMS 10,524.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0884214
IRS990/TotalAssetsEOYAmt0944864
IRS990/TotalAssetsGrp/BOYAmt0884214
IRS990/TotalAssetsGrp/EOYAmt0944864
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0541078
IRS990/TotalGrossUBIAmt075726
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0884214
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0944864
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0599510
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt0557
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0525726
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0602009
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt075726
IRS990/TotalVolunteersCnt080
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0884214
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0944864
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt03718
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101554 PAOLI PIKE NO 313
IRS990/USAddress/City0WEST CHESTER
IRS990/USAddress/State0PA
IRS990/USAddress/ZIPCode019380
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.ALU-WEB.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0FRANK GOETZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09494208045
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10ACADEMY OF LIFE UNDERWRITING
ReturnHeader/Filer/BusinessNameControlTxt0ACAD
ReturnHeader/Filer/EIN0455087087
ReturnHeader/Filer/PhoneNum09494208045
ReturnHeader/Filer/USAddress/AddressLine101554 PAOLI PIKE NO 313
ReturnHeader/Filer/USAddress/City0WEST CHESTER
ReturnHeader/Filer/USAddress/State0PA
ReturnHeader/Filer/USAddress/ZIPCode019380
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0463220328
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10AKINS HENKE AND COMPANY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10600 INWOOD AVENUE NORTH SUITE 160
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OAKDALE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode055128
ReturnHeader/PreparerPersonGrp/PhoneNum06516363806
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRIS HENKE
ReturnHeader/ReturnTs02015-05-14T09:02:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-07-01
ReturnHeader/TaxPeriodEndDt02014-06-30
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$944,864
Liabilities
$0
Net assets
$944,864
Revenue
$602,009
Expenses
$541,078
Net income
$60,931
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$0.58$0.00$0.58$0.55$0.60$0.05
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.62$0.00$0.62$0.48$0.49$0.01
2021Summary only. Only limited summary data is available for this year.$0.64$0.00$0.64$0.39$0.66$0.27
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.91$0.00$0.91$0.53$0.58$0.05
2019Summary only. Only limited summary data is available for this year.$0.96$0.00$0.96$0.51$0.60$0.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.04$0.00$1.04$0.52$0.58$0.06
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.10$0.00$1.10$0.59$0.58$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.10$0.00$1.10$0.58$0.50$0.09
2015Detailed filing. Detailed filing data is available for this year.$1.01$0.00$1.01$0.57$0.51$0.06
2014Detailed filing. Detailed filing data is available for this year.$0.94$0.00$0.94$0.60$0.54$0.06
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.88$0.00$0.88$0.59
2012Summary only. Only limited summary data is available for this year.$0.85$0.00$0.85$0.04$0.12$0.08