Civic Intelligence

Alabama Life & Disability Insurance Guaranty Association

990 • Fiscal year 2013 • EIN 63-0960930

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 30, 2014

Organization ProfileN/A
6 Office Park Circle No 20035223

(205) 879-2202

Siviq Scores

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

Liabilities / Assets

99th percentile

2.68x

Higher debt load relative to assets than 99% of similar nonprofits.

2013 filings • 501(c)6 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

100th percentile

134.58x

Higher debt load relative to revenue than 100% of similar nonprofits.

2013 filings • 501(c)6 • $25M-$50M nonprofits • Source year 2013

Net Margin

1st percentile

-311%

Higher net margin than 1% of similar nonprofits.

2013 filings • 501(c)6 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

10th percentile

$123,237

Higher top officer pay than 10% of similar nonprofits.

Top officer pay equals 23.0% of source-year revenue.

2013 filings • 501(c)6 • $25M-$50M nonprofits • Source year 2013

Asset Growth

13th percentile

-6.0%

Faster asset growth than 13% of similar nonprofits.

2013 filings • 501(c)6 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

14th percentile

-21%

Faster revenue growth than 14% of similar nonprofits.

2013 filings • $25M-$50M nonprofits • Annualized from 2010 to 2013

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$26,842,211

Down $1,727,336 (-6.0%) from 2012

Net Assets

Down

-$45,142,795

Down $6,979,643 (-18%) from 2012

Liabilities

Up

$71,985,006

Up $5,252,307 (+7.9%) from 2012

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin1st percentile

Revenue

$534,876

No earlier filing loaded for comparison.

Expenses

Down

$2,196,619

Down $5,796,178 (-73%) from 2012

Net Income

-$1,661,743

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$150M$100M$50M$0-$50M-$100MAssets 2010: $29,462,609Liabilities 2010: $86,368,171Net Assets 2010: -$56,905,5622010Assets 2011: $35,441,547Liabilities 2011: $70,581,346Net Assets 2011: -$35,139,7992011Assets 2012: $28,569,547Liabilities 2012: $66,732,699Net Assets 2012: -$38,163,1522012Assets 2013: $26,842,211Liabilities 2013: $71,985,006Net Assets 2013: -$45,142,7952013Assets 2014: $29,825,282Liabilities 2014: $59,682,663Net Assets 2014: -$29,857,3812014Assets 2015: $35,541,022Liabilities 2015: $59,590,579Net Assets 2015: -$24,049,5572015Assets 2016: $34,168,515Liabilities 2016: $60,254,425Net Assets 2016: -$26,085,9102016Assets 2017: $31,520,110Liabilities 2017: $59,315,936Net Assets 2017: -$27,795,8262017Assets 2018: $29,284,364Liabilities 2018: $56,505,151Net Assets 2018: -$27,220,7872018Assets 2019: $27,247,487Liabilities 2019: $55,089,692Net Assets 2019: -$27,842,2052019Assets 2020: $24,585,899Liabilities 2020: $52,400,925Net Assets 2020: -$27,815,0262020Assets 2021: $22,083,517Liabilities 2021: $75,931,766Net Assets 2021: -$53,848,2492021Assets 2022: $20,564,479Liabilities 2022: $92,827,103Net Assets 2022: -$72,262,6242022Assets 2023: $20,082,683Liabilities 2023: $108,599,150Net Assets 2023: -$88,516,4672023Assets 2024: $49,182,658Liabilities 2024: $89,705,868Net Assets 2024: -$40,523,2102024

Highlighted filing

2013

Assets$26,842,211
Liabilities$71,985,006
Net Assets-$45,142,795
Open 2013 Filing

Operations Trend

Revenue Growth14th percentile

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

$60M$40M$20M$0-$20MRevenue 2010: $1,096,610Expenses 2010: $2,763,002Net Income 2010: -$1,666,3922010Expenses 2011: $3,277,2902011Expenses 2012: $7,992,7972012Revenue 2013: $534,876Expenses 2013: $2,196,619Net Income 2013: -$1,661,7432013Revenue 2014: $5,319,338Expenses 2014: $2,190,524Net Income 2014: $3,128,8142014Revenue 2015: $7,773,083Expenses 2015: $1,965,259Net Income 2015: $5,807,8242015Revenue 2016: $525,265Expenses 2016: $1,894,118Net Income 2016: -$1,368,8532016Revenue 2017: $1,038,622Expenses 2017: $3,732,838Net Income 2017: -$2,694,2162017Revenue 2018: $1,125,920Expenses 2018: $2,010,215Net Income 2018: -$884,2952018Revenue 2019: $1,067,253Expenses 2019: $2,016,771Net Income 2019: -$949,5182019Revenue 2020: $524,583Expenses 2020: $2,022,404Net Income 2020: -$1,497,8212020Revenue 2021: $948,305Expenses 2021: $2,327,528Net Income 2021: -$1,379,2232021Revenue 2022: $365,091Expenses 2022: $1,983,466Net Income 2022: -$1,618,3752022Revenue 2023: $6,101,619Expenses 2023: $5,805,962Net Income 2023: $295,6572023Revenue 2024: $46,768,765Expenses 2024: $17,668,008Net Income 2024: $29,100,7572024

Highlighted filing

2013

Revenue$534,876
Expenses$2,196,619
Net Income-$1,661,743
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 30, 2014
Return Version
2013v3.0
Gross Receipts
$534,876
Mission and Program Overview

Mission

Providing payments to or on behalf of policyholders of insolvent insurance companies & providing continued coverage for policyholders by negotiating reinsurance agreements or providing administrative services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$25,940,753$22,714,369▼ $3,226,384
Savings and Temporary Cash Investments$2,060,766$3,687,172▲ $1,626,406
Accounts Receivable$57,172$185,670▲ $128,498
Cash and Non-Interest-Bearing Accounts$94,576$99,924▲ $5,348
Prepaid Expenses and Deferred Charges$306,982$55,234▼ $251,748
Land, Buildings, and Equipment, Net$2,378$2,547▲ $169
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$-38,163,152$-45,142,795▼ $6,979,643
Total Assets$28,569,547$26,842,211▼ $1,727,336
Other Assets Total$106,920$97,295▼ $9,625
Liabilities
Other Liabilities$66,379,200$71,697,100▲ $5,317,900
Accounts Payable and Accrued Expenses$353,499$287,906▼ $65,593
Total Liabilities$66,732,699$71,985,006▲ $5,252,307
Net Assets / Fund Balance
Total Net Assets Fund Balance$-38,163,152$-45,142,795▼ $6,979,643
Total Liabilities and Net Assets / Fund Balance$28,569,547$26,842,211▼ $1,727,336

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,547$31,298$33,845
Leasehold Improvements$0$3,130$3,130
Compensation and Service Providers
Top Officer Pay10th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dotty StillExecutive DirectorFT$112,629$10,608$123,237

Board Members and Trustees

NameTitle
Protective Life Ins Co Deborah LongChairman
Alfa Life Ins Co Rob RobisonVice Chairman
Amer Gen Life Acc Insgreg ErathDirector
Life Ins Co of Al Clarence DaugetteDirector
Metropolitan Life Ins Co Bob LynchDirector
Liberty Natl Life John LivingstonSecretary-treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$128,965
Investment Income
$297,331
Other Revenue
$108,580
Change in Net Assets
$-1,661,743

Audited Revenue Reconciliation

Revenue per Audited Statements
$387,419
Revenue Not Reported on Financial Statements
$147,457
Revenue Not Reported on Form 990
$27,126
Other Revenue Adjustments
$147,457
Total Revenue per Audited Statements
$414,545
Total Revenue per Form 990
$534,876
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,000,189
Salaries, Compensation, and Employee Benefits$196,430
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$123,237
All Other Expenses---$55,174
Other Salaries and Wages---$41,184
Fees for Services Accounting---$26,803
Other Expenses---$23,670
Other Employee Benefits---$16,019
Payroll Taxes---$12,035
Occupancy---$11,580
Conferences and Meetings---$8,426
Pension Plan Contributions---$3,955
Office Expenses---$2,861
Insurance---$1,155
Depreciation Depletion---$1,077
Fees for Services Legal---$339
Travel---$330
Total Functional Expenses$0$0$0$2,196,619

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$2,279,701
Total Expenses per Form 990$2,196,619
Expenses per Audited Statements$2,127,566
Expenses Not Reported on Form 990$152,135
Expenses Not Reported on Financial Statements$69,053
Other Expense Adjustments$69,053
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Claim Liabilities$71,697,100
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
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

“The association's membership is comprised of all insurance companies that are licensed to write health and accident insurance, life insurance and annuity contracts within the state of alabama.”

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

“The association's member companies elect the members of the board of directors.”

Form 990, Part VI, Section B, Line 11

“The governing body is provided a draft of the form 990 for review and approval.”

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

“The board of directors annually signs the conflict of interest statement following discussion with the executive committee to identify any potential conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“The compensation committee meets prior to the annual board meeting to review the compensation of the executive director and the administrative personnel. Information from other guaranty associations obtained from board members and executive directors is used to evaluate the salary ranges. The committee then discusses the employee performance for the year and determines the salary adjustments which are then documented and signed off/approved on the salary review schedules.”

Form 990, Part VI, Section C, Line 19

“The association will: (1) make its application for recognition of exemption and its annual information returns available for public inspection without charge at its principal offices during regular business hours, (2) make each annual information return available for a period of 3 years beginning on the date the return is required to be filed (determined with regard to any extension of time for filing) or is actually filed, whichever is later, or (3) provide a copy without charge, other than a reasonable fee for reproduction and actual postage costs, of all or any part of any application or return required to be made available for public inspection to any individual who makes a request for such copy in person or in writing (except as provided in regulations sections 301.6104(d)-2 and -3).”

Form 990, Part VII

“Alfa life ins co, rob robison - alfa life ins. Corp. 2108 east south blvd, montgomery, al 36116. Liberty natl life, john livingston - liberty national life ins. 100 concours hoover, al 35244. Protective life ins co, deborah long - protective life ins. Co. 2801 hwy 280 birmingham, al 35223. Life ins co of al, clarence daugette - life insurance co of al, 302 broad st gadsden, al 35901. Amer gen life & acc ins,greg erath - american general life & accident ins, 1 atlanta, ga 30361. Metropolitan life ins co, bob lynch - metropolitan life ins co, 1095 avenue new york, ny 10036.”

Filing and Contact Details

Filer

EIN
63-0960930
Phone
2058792202

Signing Officer

Name
Protective Life Ins Deborah Long
Title
Chairman
Phone
2058792202
Signed
2014-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Protective Life Ins Debor
Formed
1982
Legal Domicile
Al
Voting Board Members
6
Independent Board Members
6
Employees
2
Volunteers
0

Preparer

Preparer
Tommie G Cummings
Phone
2058221010
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Decr (incr) in claims liabilities - net -5,317,900.”

Form 990, Part XII, Line 2C

“There were no changes to the process from the prior year.”

Financial Statement Notes

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Investment income 22,351. Asset and early access distributions 4,775.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Administrative assessments 128,901. Premium income 18,556.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Policyholder benefit claims 152,135.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Administrative expenses 5,791. Reinsurance payments 1,055. Claims servicing expenses 62,207.”

Form 990, Part XI, Line 9

“Change in estimated claims liabilities - net -- <$5,317,900>”

Raw XML Appendix369 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/Desc0THE ALABAMA INSURANCE GUARANTY ACT MANDATED THE CREATION OF THE ALABAMA LIFE AND DISABILITY INSURANCE GUARANTY ASSOCIATION TO SERVE AS AN AGENT OF THE STATE OF ALABAMA.THE PURPOSE OF THE ASSOCIATION IS TO PROVIDE A MECHANISM FOR THE PAYMENT OF COVERED CLAIMS UNDER CERTAIN INSURANCE POLICIES, TO AVOID EXCESSIVE DELAY IN PAYMENT AND TO AVOID FINANCIAL LOSS TO CLAIMANTS OF POLICYHOLDERS BECAUSE OF THE INSOLVENCY OF AN INSURER, TO ASSIST IN THE DETECTION AND PREVENTION OF INSURER INSOLVENCIES, AND TO PROVIDE AN ASSOCIATION TO ASSESS THE COST OF SUCH PROTECTION AMONG INSURERS. THE ASSOCIATION HAS ACTED IN THIS CAPACITY SINCE ITS INCEPTION.
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IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0PREMIUM INCOME
IRS990/OtherRevenueMiscGrp/Desc1RECOVERIES FROM RECEIV
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt080012
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt128568
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt080012
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt128568
IRS990/OtherRevenueTotalAmt0108580
IRS990/OtherSalariesAndWagesGrp/TotalAmt041184
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt012035
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt03955
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0306982
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt055234
IRS990/PrincipalOfficerNm0PROTECTIVE LIFE INS DEBOR
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0524298
IRS990/ProgramServiceRevenueGrp/Desc0MEMBER ASSESSMENTS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0128965
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0128965
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0413471
IRS990/PYOtherExpensesAmt07802238
IRS990/PYOtherRevenueAmt0742073
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt0-6837253
IRS990/PYSalariesCompEmpBnftPaidAmt0190559
IRS990/PYTotalExpensesAmt07992797
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01155544
IRS990/ReconcilationRevenueExpnssAmt0-1661743
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0-38163152
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0-45142795
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02060766
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03687172
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt02547
IRS990ScheduleD/EquipmentGrp/DepreciationAmt031298
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt033845
IRS990ScheduleD/ExpensesNotReportedAmt0152135
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt069053
IRS990ScheduleD/ExpensesSubtotalAmt02127566
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt03130
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt03130
IRS990ScheduleD/OtherExpensesIncludedAmt0152135
IRS990ScheduleD/OtherExpensesNotIncludedAmt069053
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt071697100
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLAIM LIABILITIES
IRS990ScheduleD/OtherRevenueAmt027126
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0147457
IRS990ScheduleD/RevenueNotReportedAmt027126
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0147457
IRS990ScheduleD/RevenueSubtotalAmt0387419
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0INVESTMENT INCOME 22,351. ASSET AND EARLY ACCESS DISTRIBUTIONS 4,775.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1ADMINISTRATIVE ASSESSMENTS 128,901. PREMIUM INCOME 18,556.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2POLICYHOLDER BENEFIT CLAIMS 152,135.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3ADMINISTRATIVE EXPENSES 5,791. REINSURANCE PAYMENTS 1,055. CLAIMS SERVICING EXPENSES 62,207.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt4CHANGE IN ESTIMATED CLAIMS LIABILITIES - NET -- <$5,317,900>
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02547
IRS990ScheduleD/TotalExpensesPerForm990Amt02196619
IRS990ScheduleD/TotalLiabilityAmt071697100
IRS990ScheduleD/TotalRevenuePerForm990Amt0534876
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0414545
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02279701
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ASSOCIATION'S MEMBERSHIP IS COMPRISED OF ALL INSURANCE COMPANIES THAT ARE LICENSED TO WRITE HEALTH AND ACCIDENT INSURANCE, LIFE INSURANCE AND ANNUITY CONTRACTS WITHIN THE STATE OF ALABAMA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ASSOCIATION'S MEMBER COMPANIES ELECT THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE GOVERNING BODY IS PROVIDED A DRAFT OF THE FORM 990 FOR REVIEW AND APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS ANNUALLY SIGNS THE CONFLICT OF INTEREST STATEMENT FOLLOWING DISCUSSION WITH THE EXECUTIVE COMMITTEE TO IDENTIFY ANY POTENTIAL CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE COMPENSATION COMMITTEE MEETS PRIOR TO THE ANNUAL BOARD MEETING TO REVIEW THE COMPENSATION OF THE EXECUTIVE DIRECTOR AND THE ADMINISTRATIVE PERSONNEL. INFORMATION FROM OTHER GUARANTY ASSOCIATIONS OBTAINED FROM BOARD MEMBERS AND EXECUTIVE DIRECTORS IS USED TO EVALUATE THE SALARY RANGES. THE COMMITTEE THEN DISCUSSES THE EMPLOYEE PERFORMANCE FOR THE YEAR AND DETERMINES THE SALARY ADJUSTMENTS WHICH ARE THEN DOCUMENTED AND SIGNED OFF/APPROVED ON THE SALARY REVIEW SCHEDULES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ASSOCIATION WILL: (1) MAKE ITS APPLICATION FOR RECOGNITION OF EXEMPTION AND ITS ANNUAL INFORMATION RETURNS AVAILABLE FOR PUBLIC INSPECTION WITHOUT CHARGE AT ITS PRINCIPAL OFFICES DURING REGULAR BUSINESS HOURS, (2) MAKE EACH ANNUAL INFORMATION RETURN AVAILABLE FOR A PERIOD OF 3 YEARS BEGINNING ON THE DATE THE RETURN IS REQUIRED TO BE FILED (DETERMINED WITH REGARD TO ANY EXTENSION OF TIME FOR FILING) OR IS ACTUALLY FILED, WHICHEVER IS LATER, OR (3) PROVIDE A COPY WITHOUT CHARGE, OTHER THAN A REASONABLE FEE FOR REPRODUCTION AND ACTUAL POSTAGE COSTS, OF ALL OR ANY PART OF ANY APPLICATION OR RETURN REQUIRED TO BE MADE AVAILABLE FOR PUBLIC INSPECTION TO ANY INDIVIDUAL WHO MAKES A REQUEST FOR SUCH COPY IN PERSON OR IN WRITING (EXCEPT AS PROVIDED IN REGULATIONS SECTIONS 301.6104(D)-2 AND -3).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALFA LIFE INS CO, ROB ROBISON - ALFA LIFE INS. CORP. 2108 EAST SOUTH BLVD, MONTGOMERY, AL 36116. LIBERTY NATL LIFE, JOHN LIVINGSTON - LIBERTY NATIONAL LIFE INS. 100 CONCOURS HOOVER, AL 35244. PROTECTIVE LIFE INS CO, DEBORAH LONG - PROTECTIVE LIFE INS. CO. 2801 HWY 280 BIRMINGHAM, AL 35223. LIFE INS CO OF AL, CLARENCE DAUGETTE - LIFE INSURANCE CO OF AL, 302 BROAD ST GADSDEN, AL 35901. AMER GEN LIFE & ACC INS,GREG ERATH - AMERICAN GENERAL LIFE & ACCIDENT INS, 1 ATLANTA, GA 30361. METROPOLITAN LIFE INS CO, BOB LYNCH - METROPOLITAN LIFE INS CO, 1095 AVENUE NEW YORK, NY 10036.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DECR (INCR) IN CLAIMS LIABILITIES - NET -5,317,900.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THERE WERE NO CHANGES TO THE PROCESS FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VII
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt028569547
IRS990/TotalAssetsEOYAmt026842211
IRS990/TotalAssetsGrp/BOYAmt028569547
IRS990/TotalAssetsGrp/EOYAmt026842211
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt02196619
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt066732699
IRS990/TotalLiabilitiesEOYAmt071985006
IRS990/TotalLiabilitiesGrp/BOYAmt066732699
IRS990/TotalLiabilitiesGrp/EOYAmt071985006
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-38163152
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-45142795
IRS990/TotalOtherCompensationAmt010608
IRS990/TotalProgramServiceRevenueAmt0128965
IRS990/TotalReportableCompFromOrgAmt0112629
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0534876
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0534876
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028569547
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026842211
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0330
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine106 OFFICE PARK CIRCLE NO 200
IRS990/USAddress/City0BIRMINGHAM
IRS990/USAddress/State0AL
IRS990/USAddress/ZIPCode035223
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PROTECTIVE LIFE INS DEBORAH LONG
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum02058792202
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-30
ReturnHeader/Filer/BusinessName/BusinessNameLine10ALABAMA LIFE & DISABILITY INSURANCE
ReturnHeader/Filer/BusinessName/BusinessNameLine20GUARANTY ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0ALAB
ReturnHeader/Filer/EIN0630960930
ReturnHeader/Filer/PhoneNum02058792202
ReturnHeader/Filer/USAddress/AddressLine106 OFFICE PARK CIRCLE NO 200
ReturnHeader/Filer/USAddress/City0BIRMINGHAM
ReturnHeader/Filer/USAddress/State0AL
ReturnHeader/Filer/USAddress/ZIPCode035223
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0271490692
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10FROST CUMMINGS TIDWELL GROUP LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine102001 PARK PLACE NORTH SUITE 900
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0BIRMINGHAM
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0AL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode035203
ReturnHeader/PreparerPersonGrp/PhoneNum02058221010
ReturnHeader/PreparerPersonGrp/PreparationDt02014-10-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TOMMIE G CUMMINGS
ReturnHeader/ReturnTs02014-11-06T13:28:05-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,842,211
Liabilities
$71,985,006
Net assets
-$45,142,795
Revenue
$534,876
Expenses
$2,196,619
Net income
-$1,661,743
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$49.2$89.7$40.5$46.8$17.7$29.1
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.1$109$88.5$6.10$5.81$0.30
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.6$92.8$72.3$0.37$1.98$1.62
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.1$75.9$53.8$0.95$2.33$1.38
2020Detailed filing. Detailed filing data is available for this year.$24.6$52.4$27.8$0.52$2.02$1.50
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.2$55.1$27.8$1.07$2.02$0.95
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.3$56.5$27.2$1.13$2.01$0.88
2017Detailed filing. Detailed filing data is available for this year.$31.5$59.3$27.8$1.04$3.73$2.69
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.2$60.3$26.1$0.53$1.89$1.37
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.5$59.6$24.0$7.77$1.97$5.81
2014Detailed filing. Detailed filing data is available for this year.$29.8$59.7$29.9$5.32$2.19$3.13
2013Detailed filing. Detailed filing data is available for this year.$26.8$72.0$45.1$0.53$2.20$1.66
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.6$66.7$38.2$7.99
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.4$70.6$35.1$3.28
2010Summary only. Only limited summary data is available for this year.$29.5$86.4$56.9$1.10$2.76$1.67