Civic Intelligence

National Association of Insurance

EIN 91-0716063 • 501(c)6 • Bellingham, WA

Profile

To promote the adoption and application of high standards of ethical conduct in the profession of life underwriting; to promote and offer education in the profession of life insurance; and to advance public knowledge of legal reserve life insurance.

1135 Ellis StBellingham, WA 98225

www.naifawashington.org

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

51st percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

93rd percentile

43%

Higher net margin than 93% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

89th percentile

41%

Faster asset growth than 89% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

83rd percentile

29%

Faster revenue growth than 83% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Assets

Up

$340,202

Up $98,426 (+41%) from 2024

Liabilities

Down

$0

Down $992 (-100%) from 2024

Net Assets

Up

$340,202

Up $99,418 (+41%) from 2024

Revenue

Up

$231,314

Up $52,318 (+29%) from 2024

Expenses

Up

$131,896

Up $15,382 (+13%) from 2024

Net Income

Up

$99,418

Up $36,936 (+59%) from 2024

Trend Graphs

Balance Sheet Trend

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

$400K$300K$200K$100K$0Assets 2011: $89,300Liabilities 2011: $0Net Assets 2011: $89,3002011Assets 2012: $98,720Liabilities 2012: $0Net Assets 2012: $98,7202012Assets 2013: $100,296Liabilities 2013: $0Net Assets 2013: $100,2962013Assets 2014: $110,192Liabilities 2014: $0Net Assets 2014: $110,1922014Assets 2015: $108,485Liabilities 2015: $0Net Assets 2015: $108,4852015Assets 2016: $110,818Liabilities 2016: $0Net Assets 2016: $110,8182016Assets 2017: $110,635Liabilities 2017: $0Net Assets 2017: $110,6352017Assets 2018: $102,371Liabilities 2018: $0Net Assets 2018: $102,3712018Assets 2019: $133,343Liabilities 2019: $0Net Assets 2019: $133,3432019Assets 2020: $162,509Liabilities 2020: $0Net Assets 2020: $162,5092020Assets 2021: $168,148Liabilities 2021: $1,327Net Assets 2021: $166,8212021Assets 2022: $199,427Liabilities 2022: $1,200Net Assets 2022: $198,2272022Assets 2023: $179,064Liabilities 2023: $762Net Assets 2023: $178,3022023Assets 2024: $241,776Liabilities 2024: $992Net Assets 2024: $240,7842024Assets 2025: $340,202Liabilities 2025: $0Net Assets 2025: $340,2022025

Highlighted filing

2025

Assets$340,202
Liabilities$0
Net Assets$340,202

Operations Trend

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

$300K$200K$100K$0-$100KExpenses 2011: $129,8442011Expenses 2012: $129,5312012Revenue 2013: $126,937Expenses 2013: $133,554Net Income 2013: -$6,6172013Revenue 2014: $133,879Expenses 2014: $123,983Net Income 2014: $9,8962014Revenue 2015: $122,852Expenses 2015: $124,559Net Income 2015: -$1,7072015Revenue 2016: $87,154Expenses 2016: $84,821Net Income 2016: $2,3332016Revenue 2017: $90,932Expenses 2017: $91,115Net Income 2017: -$1832017Revenue 2018: $72,985Expenses 2018: $81,249Net Income 2018: -$8,2642018Revenue 2019: $141,661Expenses 2019: $112,395Net Income 2019: $29,2662019Revenue 2020: $116,126Expenses 2020: $86,960Net Income 2020: $29,1662020Revenue 2021: $96,683Expenses 2021: $92,371Net Income 2021: $4,3122021Revenue 2022: $139,585Expenses 2022: $108,179Net Income 2022: $31,4062022Revenue 2023: $96,853Expenses 2023: $116,778Net Income 2023: -$19,9252023Revenue 2024: $178,996Expenses 2024: $116,514Net Income 2024: $62,4822024Revenue 2025: $231,314Expenses 2025: $131,896Net Income 2025: $99,4182025

Highlighted filing

2025

Revenue$231,314
Expenses$131,896
Net Income$99,418

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$3.40$0.00$3.40$2.31$1.32$0.99
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.42$0.01$2.41$1.79$1.17$0.62
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.79$0.01$1.78$0.97$1.17$0.20
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.99$0.01$1.98$1.40$1.08$0.31
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.68$0.01$1.67$0.97$0.92$0.04
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.63$0.00$1.63$1.16$0.87$0.29
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.33$0.00$1.33$1.42$1.12$0.29
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.02$0.00$1.02$0.73$0.81$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.11$0.00$1.11$0.91$0.91$0.00
2016Detailed filing. Detailed filing data is available for this year.$1.11$0.00$1.11$0.87$0.85$0.02
2015Detailed filing. Detailed filing data is available for this year.$1.08$0.00$1.08$1.23$1.25$0.02
2014Detailed filing. Detailed filing data is available for this year.$1.10$0.00$1.10$1.34$1.24$0.10
2013Summary only. Only limited summary data is available for this year.$1.00$0.00$1.00$1.27$1.34$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.99$0.00$0.99$1.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.89$0.00$0.89$1.30
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 21, 2026
Return Version
2025v4.0
Gross Receipts
$231,314
Mission and Program Overview

Mission

To promote the adoption and application of high standards of ethical conduct in the profession of life underwriting; to promote and offer education in the profession of life insurance; and to advance public knowledge of legal reserve life insurance.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$240,784$340,202▲ $99,418
Cash and Non-Interest-Bearing Accounts$89,861$182,067▲ $92,206
Savings and Temporary Cash Investments$151,915$158,135▲ $6,220
Total Assets$241,776$340,202▲ $98,426
Liabilities
Accounts Payable and Accrued Expenses$992--
Total Liabilities$992$0▼ $992
Net Assets / Fund Balance
Total Net Assets Fund Balance$240,784$340,202▲ $99,418
Total Liabilities and Net Assets / Fund Balance$241,776$340,202▲ $98,426
Compensation and Service Providers

Board Members and Trustees

NameTitle
Chris WertenbergerPresident
Hailey AllenVice President
Neal KlokeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$84,342
Investment Income
$7,643
Other Revenue
$139,329
Change in Net Assets
$99,418
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$131,896
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$82,176--$82,176
Conferences and Meetings$41,586--$41,586
Fees for Services Accounting$4,056--$4,056
Insurance$3,015--$3,015
Advertising$838--$838
Office Expenses$225--$225
Total Functional Expenses$131,896$0$0$131,896
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
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

The tax return was not reviewed by the governing body before filing

Governing documents etc available to public Part VI line 19

Governing documents are available to the public upon request

Filing and Contact Details

Filer

Filer Name
National Association of Insurance
EIN
91-0716063
In Care Of
% NEAL KLOKE
Address
1135 ELLIS ST, BELLINGHAM, WA 98225
Doing Business As
And Financial Advisors of Wa

Signing Officer

Name
Neal Kloke
Title
Officer
Phone
3607342935
Signed
2026-03-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Hailey Allen
Formed
1950
Legal Domicile
Wa
Voting Board Members
3
Independent Board Members
3
Employees
0

Preparer

Firm
Integrated Tax Accounting Solution
Address
1135 Ellis St, Bellingham, WA 98225
Preparer
Angela Carpenter
Phone
3607342935
Raw XML Appendix284 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.

Path#Value
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IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt041586
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01950
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt03
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0231314
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt03
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ProgramServicesAmt03015
IRS990/InsuranceGrp/TotalAmt03015
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt07643
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt07643
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0WA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ProgramServicesAmt0225
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IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
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IRS990/PartialLiquidationInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0MEMBERSHIP DUES
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IRS990/ProgramServiceRevenueGrp/Desc2CONVENTIONS
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Governing documents etc available to public Part VI line 19
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IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PhoneNum03607342935
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-21
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ReturnHeader/Filer/BusinessNameControlTxt0NATI
ReturnHeader/Filer/EIN0910716063
ReturnHeader/Filer/InCareOfNm0% NEAL KLOKE
ReturnHeader/Filer/USAddress/AddressLine1Txt01135 ELLIS ST
ReturnHeader/Filer/USAddress/CityNm0BELLINGHAM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098225
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0200586739
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Integrated Tax Accounting Solution
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01135 Ellis St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Bellingham
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd098225
ReturnHeader/PreparerPersonGrp/PhoneNum03607342935
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGELA CARPENTER
ReturnHeader/ReturnTs02026-03-26T18:59:14-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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