Association Of Life Insurance Counsel
Association Of Life Insurance Counsel shows stable assets but recent operating deficits with no reported officer compensation.
EIN: 135566493 · Worthington, OH · NTEE: S41 · Updated: 2026-03-28
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Association Of Life Insurance Counsel is mapped to EIN 135566493.
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13 stored filing years available.
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13 stored filing years available.
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80% program spend, health grade B
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| Metric | Value |
|---|---|
| Total Revenue | $494K |
| Total Expenses | $505K |
| Program Spending | 80% |
| Net Assets | $515K |
| Transparency Score | 85/100 |
Search Intent Cockpit
Association Of Life Insurance Counsel Form 990, Revenue, CEO Pay, and IRS Filing Signals
Association Of Life Insurance Counsel is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Association Of Life Insurance Counsel in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $492K and expenses of $505K.
Revenue and Expenses
Association Of Life Insurance Counsel reported $492K in revenue and $505K in expenses, a deficit of $13K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
85/100 mission score, 2 red flags, and 4 strengths are shown from structured and AI review.
Is Association Of Life Insurance Counsel Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $404K (80%) |
Across stored filings, Association Of Life Insurance Counsel shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 80% to programs | Excellent |
| Financial durability | Grade B | 13 stored filing years |
| Peer context | Compare with Alliance Of Independent Academic Medical Centers | Ohio and Community Improvement context |
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Worthington, OH nonprofitsCommunity Improvement in Ohio
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Association Of Life Insurance Counsel directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Association Of Life Insurance Counsel
Association Of Life Insurance Counsel (EIN: 135566493) is a nonprofit organization based in Worthington, OH, classified under NTEE code S41. The organization reported total revenue of $494K and total assets of $708K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Association Of Life Insurance Counsel's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Association Of Life Insurance Counsel is a small nonprofit that has been operating for 16 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 6.5%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $492K |
| Total Expenses | $505K |
| Surplus / Deficit | $-12,991 |
| Total Assets | $581K |
| Total Liabilities | $66K |
| Net Assets | $515K |
| Operating Margin | -2.6% |
| Debt-to-Asset Ratio | 11.4% |
| Months of Reserves | 13.8 months |
Financial Health Grade: B
In 2023, Association Of Life Insurance Counsel reported a deficit of $13K with expenses exceeding revenue, holds 13.8 months of operating reserves (strong position), has a debt-to-asset ratio of 11.4% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), Association Of Life Insurance Counsel's revenue has grown at a compound annual growth rate (CAGR) of 6.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +25.0% | +20.4% | -10.1% |
| 2022 | +382.1% | +263.6% | -17.1% |
| 2021 | +0.6% | -11.5% | -1.5% |
| 2020 | -84.2% | -70.7% | +7.8% |
| 2019 | +14.4% | -0.9% | +29.7% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 2010 |
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 Association Of Life Insurance Counsel with a Mission Score of 85 out of 100 (Excellent). 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, Association Of Life Insurance Counsel 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 (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $13K, with expenses exceeding revenue.
- Debt-to-asset ratio: 11.4%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that executive leadership is either unpaid, compensated through non-officer roles, or that the organization operates with a volunteer executive structure, which is highly efficient for a nonprofit of its size.
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 Association Of Life Insurance Counsel's IRS 990 filings:
- Consistent operating deficits in recent years (e.g., 2023, 2022, 2021, 2020) where expenses exceeded revenue.
- Significant year-over-year revenue volatility, making financial planning potentially challenging (e.g., $81,676 in 2021 vs. $492,222 in 2023).
Strengths
The following positive indicators were identified for Association Of Life Insurance Counsel:
- Strong asset base consistently exceeding liabilities, indicating good financial solvency.
- Consistent reporting of 0% officer compensation, suggesting highly efficient executive leadership costs.
- Long history of IRS 990 filings (13 filings), demonstrating commitment to transparency.
- Ability to maintain operations despite periods of revenue fluctuation and deficits, indicating financial resilience.
Frequently Asked Questions about Association Of Life Insurance Counsel
Is Association Of Life Insurance Counsel a legitimate charity?
Association Of Life Insurance Counsel (EIN: 135566493) is a registered tax-exempt nonprofit based in Ohio. Our AI analysis gives it a Mission Score of 85/100. It has 13 years of IRS 990 filings on record. Total revenue: $494K. 2 red flags identified. 4 strengths noted. Financial health grade: B.
How does Association Of Life Insurance Counsel spend its money?
Association Of Life Insurance Counsel directs 80% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Association Of Life Insurance Counsel tax-deductible?
Association Of Life Insurance Counsel is registered as a tax-exempt nonprofit (EIN: 135566493). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Association Of Life Insurance Counsel's spending goes to programs?
Association Of Life Insurance Counsel directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Association Of Life Insurance Counsel compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), Association Of Life Insurance Counsel is above average for NTEE category S41 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Association Of Life Insurance Counsel located?
Association Of Life Insurance Counsel is headquartered in Worthington, Ohio and files with the IRS under EIN 135566493. It is classified under NTEE code S41.
How many years of IRS 990 filings does Association Of Life Insurance Counsel have?
Association Of Life Insurance Counsel has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $494K in total revenue.
How does the Association Of Life Insurance Counsel cover its operating deficits, such as the $13,000 deficit in 2023?
The organization likely covers operating deficits by drawing from its accumulated assets or reserves, as seen by the decrease in assets from $645,913 in 2022 to $580,697 in 2023, which aligns with the period of deficit.
What is the primary source of revenue for the organization, given the significant fluctuations (e.g., $81,676 in 2021 vs. $492,222 in 2023)?
The provided data does not specify revenue sources, but such large fluctuations often suggest reliance on event-based income, membership dues, or grants that vary significantly year-to-year. A deeper dive into the full 990 forms would be needed to identify specific revenue streams.
Are the officers truly unpaid, or are they compensated in ways not reported as 'officer compensation' on the 990?
Based solely on the provided 990 data, officers are reported as receiving 0% compensation. Without further detail from the full 990 or other disclosures, it's assumed they are unpaid in that capacity, or their compensation is categorized differently (e.g., as independent contractor fees if they are not employees).
Filing History
IRS 990 filing history for Association Of Life Insurance Counsel showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Association Of Life Insurance Counsel's revenue has grown by 112.1%, moving from $232K to $492K. Total assets increased by 64% over the same period, from $354K to $581K. Total functional expenses rose by 180.1%, from $180K to $505K. In its most recent filing year (2023), Association Of Life Insurance Counsel reported a deficit of $13K, with expenses exceeding revenue. The organization holds $66K in liabilities against $581K in assets (debt-to-asset ratio: 11.4%), resulting in net assets of $515K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $492K | $505K | $581K | $66K | — | — |
| 2022 | $394K | $420K | $646K | $127K | — | View 990 |
| 2021 | $82K | $115K | $779K | $234K | — | View 990 |
| 2020 | $81K | $130K | $791K | $234K | — | — |
| 2019 | $515K | $445K | $734K | $157K | — | View 990 |
| 2018 | $450K | $449K | $566K | $69K | — | View 990 |
| 2017 | $409K | $402K | $621K | $104K | — | View 990 |
| 2016 | $410K | $394K | $618K | $110K | — | View 990 |
| 2015 | $350K | $387K | $585K | $93K | — | View 990 |
| 2014 | $346K | $262K | $650K | $121K | — | View 990 |
| 2013 | $322K | $285K | $514K | $70K | — | View 990 |
| 2012 | $299K | $214K | $446K | $39K | — | View 990 |
| 2011 | $232K | $180K | $354K | $31K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $492K, expenses of $505K, and assets of $581K (revenue +25.0% year-over-year).
- 2022: Revenue of $394K, expenses of $420K, and assets of $646K (revenue +382.1% year-over-year).
- 2021: Revenue of $82K, expenses of $115K, and assets of $779K (revenue +0.6% year-over-year).
- 2020: Revenue of $81K, expenses of $130K, and assets of $791K (revenue -84.2% year-over-year).
- 2019: Revenue of $515K, expenses of $445K, and assets of $734K (revenue +14.4% year-over-year).
- 2018: Revenue of $450K, expenses of $449K, and assets of $566K (revenue +9.9% year-over-year).
- 2017: Revenue of $409K, expenses of $402K, and assets of $621K (revenue -0.2% year-over-year).
- 2016: Revenue of $410K, expenses of $394K, and assets of $618K (revenue +17.3% year-over-year).
- 2015: Revenue of $350K, expenses of $387K, and assets of $585K (revenue +1.0% year-over-year).
- 2014: Revenue of $346K, expenses of $262K, and assets of $650K (revenue +7.6% year-over-year).
- 2013: Revenue of $322K, expenses of $285K, and assets of $514K (revenue +7.7% year-over-year).
- 2012: Revenue of $299K, expenses of $214K, and assets of $446K (revenue +28.8% year-over-year).
- 2011: Revenue of $232K, expenses of $180K, and assets of $354K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Association Of Life Insurance Counsel:
Data Sources and Methodology
This transparency report for Association Of Life Insurance Counsel 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.