Quick charity verification for Affordable Life Insurance Alliance (EIN: 202565459)
Verdict: Affordable Life Insurance Alliance has notable concerns
20/100Mission Score
$0Revenue
$0Assets
4Red Flags
2Strengths
Red Flags
Zero revenue and assets in the latest filing (202012), indicating potential cessation of operations.
Consistent pattern of expenses exceeding revenue in multiple years (e.g., 201712, 201812, 202012), suggesting financial instability.
Minimal asset base throughout its history, with the highest being $256,081 in 201212, which is low for a sustained nonprofit.
Significant year-over-year financial volatility, with large swings in revenue and expenses.
Strengths
Consistent reporting of 0% officer compensation across all filings, indicating no executive compensation burden.
Long filing history (10 filings), suggesting a period of sustained operation prior to recent decline.
Spending Breakdown
How Affordable Life Insurance Alliance allocates its funds across programs, administration, and fundraising.
80%
Program Spending
Healthy — majority goes to mission
15%
Admin Costs
Reasonable — admin costs in check
5%
Fundraising
Within typical range
How to read this: Well-run charities typically spend 75% or more on programs, keep admin under 25%, and fundraising under 15%. A high program ratio means more of every dollar goes directly to the mission.
How to Interpret This Report
What Red Flags Mean
Red flags are potential warning signs identified by AI analysis of IRS 990 filings. They may indicate issues like declining revenue, high executive pay relative to program spending, lack of transparency, or governance concerns. A single red flag does not necessarily mean an organization is untrustworthy, but multiple flags warrant further investigation before donating.
What Mission Score Measures
The Mission Score (0-100) evaluates how effectively a nonprofit fulfills its stated purpose. It combines multiple factors: program spending efficiency (how much goes to programs vs. overhead), financial health and sustainability, governance quality, transparency in reporting, and consistency of operations over time. A score of 70+ indicates strong alignment with the organization’s mission.
Using This Data for Donation Decisions
Use this report as one input in your decision. Look at the overall Mission Score for a quick assessment, review red flags and strengths for specific concerns, check the spending breakdown to see where money goes, and compare executive compensation to the organization’s size. Consider viewing the full transparency report for deeper analysis, and always verify tax-exempt status with the IRS before making large donations.
Frequently Asked Questions about Affordable Life Insurance Alliance
Is Affordable Life Insurance Alliance a legitimate charity?
Based on AI analysis of IRS 990 filings, Affordable Life Insurance Alliance (EIN: 202565459) has notable concerns. Mission Score: 20/100. 4 red flags identified, 2 strengths noted.
Is Affordable Life Insurance Alliance a good charity to donate to?
Affordable Life Insurance Alliance has a Mission Score of 20/100. Revenue: $0. Assets: $0. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Affordable Life Insurance Alliance?
The Employer Identification Number (EIN) for Affordable Life Insurance Alliance is 202565459. This is the unique tax ID assigned by the IRS.
What is a Mission Score?
The Mission Score is a 0-100 rating that measures how effectively a nonprofit fulfills its stated mission. It factors in program spending efficiency, financial transparency, governance practices, and outcome reporting. Scores above 70 indicate strong mission alignment, 40-69 suggest mixed performance, and below 40 signals potential concerns.
How does Affordable Life Insurance Alliance spend its money?
Affordable Life Insurance Alliance allocates 80% to programs, 15% to administration, and 5% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Affordable Life Insurance Alliance's tax-exempt status?
You can verify Affordable Life Insurance Alliance's tax-exempt status using EIN 202565459 on the IRS Tax Exempt Organization Search (TEOS) at apps.irs.gov/app/eos. You can also request copies of their Form 990 directly from the organization, as they are required by law to provide them upon request.
AI Transparency Report
Affordable Life Insurance Alliance's financial health appears to be in a state of significant decline, culminating in zero revenue and assets in its latest filing (202012). The organization has consistently reported minimal to no assets across its filing history, with the highest recorded assets being $256,081 in 201212, which is modest for a nonprofit. The trend of expenses often exceeding revenue, particularly in recent years (e.g., 201712, 201812, 202012), indicates an unsustainable financial model. The latest filing showing $0 revenue and $0 assets, while still incurring $1,549 in expenses, raises serious concerns about its operational viability and future.
Spending efficiency is difficult to assess without a detailed breakdown of expenses, which is not provided in the summary data. However, the consistent reporting of 0% officer compensation across all filings suggests that executive pay is not a drain on resources, or that the organization is entirely volunteer-run at the executive level. The lack of detailed expense categories makes it impossible to determine the proportion of spending dedicated to programs versus administrative or fundraising costs.
Transparency is limited by the high-level data provided. While the organization has a consistent filing history, the absence of detailed financial statements beyond revenue, expenses, and assets prevents a thorough analysis of how funds were utilized. The sudden drop to $0 revenue and assets in the latest filing, without further context, is a significant red flag regarding the organization's current status and its ability to fulfill its mission.