Affordable Life Insurance Alliance
Affordable Life Insurance Alliance reports zero revenue and assets in latest filing, signaling operational cessation.
EIN: 202565459 · Washington, DC · NTEE: B90 · Updated: 2026-03-28
Is Affordable Life Insurance Alliance Legit?
Significant Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Affordable Life Insurance Alliance directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Affordable Life Insurance Alliance
Affordable Life Insurance Alliance (EIN: 202565459) is a nonprofit organization based in Washington, DC, classified under NTEE code B90. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Affordable Life Insurance Alliance's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Affordable Life Insurance Alliance is a micro nonprofit that has been operating for 19 years, with 10 years of IRS 990 filings on record (2011–2020).
Financial Trends
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2020 | -100.0% | -99.1% | -100.0% |
| 2019 | +0.8% | -0.5% | +77600.0% |
| 2018 | +2.6% | -20.5% | -99.9% |
| 2017 | -37.3% | -35.8% | -97.3% |
| 2016 | -42.9% | -3.5% | -58.2% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2007 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Affordable Life Insurance Alliance with a Mission Score of 20 out of 100 (Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, Affordable Life Insurance Alliance allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2020)
From the most recent IRS 990 filing on record:
Executive Compensation Analysis
Executive compensation has consistently been reported as 0% across all filings, suggesting either a fully volunteer-led executive team or that compensation is not a significant financial burden for the organization.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Affordable Life Insurance Alliance's IRS 990 filings:
- 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
The following positive indicators were identified for Affordable Life Insurance Alliance:
- 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.
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) significant concerns. Mission Score: 20/100. 4 red flags identified, 2 strengths noted.
How does Affordable Life Insurance Alliance spend its money?
Affordable Life Insurance Alliance directs 80% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Affordable Life Insurance Alliance tax-deductible?
Affordable Life Insurance Alliance is registered as a tax-exempt nonprofit (EIN: 202565459). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Is Affordable Life Insurance Alliance still operational?
Based on the 202012 filing reporting $0 revenue and $0 assets, while still incurring $1,549 in expenses, it is highly questionable whether the organization is still actively operational or in the process of winding down.
What caused the drastic decline in revenue and assets in 2020?
The provided data does not specify the cause, but the sudden drop from $181,364 in revenue and $777 in assets in 201912 to $0 in both categories in 202012 indicates a significant, likely terminal, event for the organization.
How did the organization cover expenses in 2020 with no revenue or assets?
The 202012 filing shows $1,549 in expenses with $0 revenue and $0 assets. This suggests these expenses might be related to final administrative costs or liabilities being settled, potentially from prior periods' funds not reflected in the 'assets' at year-end, or through external support not classified as revenue.
Filing History
IRS 990 filing history for Affordable Life Insurance Alliance showing financial trends over 10 years of public records:
Over 10 years of IRS 990 filings (2011–2020), Affordable Life Insurance Alliance's revenue has declined by 100%, moving from $243K to $0. Total assets decreased by 100% over the same period, from $13K to $0. Total functional expenses fell by 99.6%, from $375K to $2K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2020 | $0 | $2K | $0 | $0 | — | — |
| 2019 | $181K | $181K | $777 | $0 | — | View 990 |
| 2018 | $180K | $181K | $1 | $0 | — | View 990 |
| 2017 | $176K | $228K | $1K | $0 | — | View 990 |
| 2016 | $280K | $355K | $54K | $0 | — | View 990 |
| 2015 | $490K | $368K | $130K | $0 | — | View 990 |
| 2014 | $422K | $493K | $8K | $0 | — | View 990 |
| 2013 | $228K | $405K | $78K | $0 | — | View 990 |
| 2012 | $683K | $439K | $256K | $0 | — | View 990 |
| 2011 | $243K | $375K | $13K | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2020: Revenue of $0, expenses of $2K, and assets of $0 (revenue -100.0% year-over-year).
- 2019: Revenue of $181K, expenses of $181K, and assets of $777 (revenue +0.8% year-over-year).
- 2018: Revenue of $180K, expenses of $181K, and assets of $1 (revenue +2.6% year-over-year).
- 2017: Revenue of $176K, expenses of $228K, and assets of $1K (revenue -37.3% year-over-year).
- 2016: Revenue of $280K, expenses of $355K, and assets of $54K (revenue -42.9% year-over-year).
- 2015: Revenue of $490K, expenses of $368K, and assets of $130K (revenue +16.1% year-over-year).
- 2014: Revenue of $422K, expenses of $493K, and assets of $8K (revenue +85.6% year-over-year).
- 2013: Revenue of $228K, expenses of $405K, and assets of $78K (revenue -66.7% year-over-year).
- 2012: Revenue of $683K, expenses of $439K, and assets of $256K (revenue +181.4% year-over-year).
- 2011: Revenue of $243K, expenses of $375K, and assets of $13K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Affordable Life Insurance Alliance:
Data Sources and Methodology
This transparency report for Affordable Life Insurance Alliance is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.