{"success":true,"data":{"_id":381185570,"filings":[{"Organization":{"value":null,"Person":["JANICE U WHIPPLE","CHRISTOPHER J MARTIN","KATHY K DACK","BRENDA L DOLL","DIANE E LOFQUIST","JEAN ANN PYLE","CHARLENE J YARD","JANET J CARMODY","JEREMY D NICHOLS","DIANE R BEDORE","JULIE B LANGOLF"],"Title":["CHAIR OF THE BOARD","NATIONAL PRESIDENT","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","NATIONAL SECRETARY","NATIONAL TREASURER","SALES REPRESENTATIVE","DIRECTOR OF CHAPTER DEVELO"],"Hours":[10.0,40.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0],"Total Compensation":[63750,278386,15750,17750,15750,15750,15750,136785,128854,197714,117613],"Direct compensation":[63750,256009,15750,17750,15750,15750,15750,119517,111219,186153,106539],"Other compensation":[0,22377,0,0,0,0,0,17268,17635,11561,11074]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2016,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":58,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":58,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":23008547,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":11937263,"Total revenue":{"value":11937263,"LIFE PREMIUM & ANNUITY CONSIDERAT":11866849,"MEMBERSHIP DUES & FEES":70414},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10604116,"Investment income total":10575500,"Net investment gain":28616,"Income from invest bond proceeds":0},"Other revenues":{"value":467168,"Other total":-12832,"Royalties revenue":0,"Net rental income":480000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":23870662,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":15892259,"Benefits paid to members Total":15892259},"Salaries":{"value":4527298,"Current officers":688525,"Disqualified persons":0,"Other salaries and wages":2162122,"Pension plan contributions":1040217,"Other employee benefits":409674,"Payroll taxes":226760},"Other expenses":{"value":3451105,"Management services":228839,"Legal":50262,"Accounting":64034,"Lobbying services":0,"Investment management fees":169466,"Other services":332260,"Advertising":109501,"Office expenses":530425,"Information technology":184644,"Royalties":0,"Occupancy":577036,"Travel":115688,"Conferences and meetings":10356,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":189781,"Insurance":65208,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":823204,"COMMISSIONS":560996,"FRATERNAL BENEFITS":180718,"STATE INSURANCE LICENSE":42857,"OTHER TAXES & FEES":38633},"All other expenses":401},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":203593650,"Non-interest bearing cash":794351,"Savings and temp cash investments":673054,"Pledges and grants receivable":0,"Accounts receivable":21663,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":6048361,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":374792,"Investments publicly traded":192861404,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2820025},"Liabilities":{"value":182034893,"Sum of Total Liabilities":0,"Accounts payable, accrued":1821130,"Grants payable":0,"Deferred, revenue":13791,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":180199972},"Fund balance":{"value":21558757,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":21558757,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.037469336938138684,"percentile":0.3056354409978725},"Liabilities to Assets Ratio":{"score":0.8941088928854117,"percentile":0.06563640445534738},"Operating Reserve Ratio":{"score":8.529032416444924,"percentile":0.8758644201930417},"Officer Compensation Ratio":{"score":0.04205379808905174,"percentile":0.7967719422313627},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.03589215670981715,"percentile":0.543105241512034},"Asset Growth":{"score":0.015233211401269008,"percentile":0.3837884483884416},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.45435913881200296,"percentile":0.21994155247708025}},"source_xml":"201733079349301323_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER J MARTIN","NICHOLAS J RADOSTA","JANET J CARMODY","JULIE B LANGOLF","JULIE L JAGODA","DIANE E LOFQUIST","BRENDA L DOLL","KAREN R PALKA","KATHY K REGALADO","CHARLENE J YARD","THOMAS D STREUKENS"],"Title":["NATIONAL PRESIDENT","DIR, SALES & AGENCY DEVELOPMENT","NATIONAL SECRETARY","DIR, OFFICE ADMINISTRATION","NATIONAL TREASURER","CHAIR OF THE BOARD","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR (FROM JAN '21)"],"Hours":[40.0,40.0,40.0,40.0,40.0,10.0,4.0,4.0,4.0,4.0,4.0],"Total Compensation":[274741,180790,161944,136222,131005,39500,17750,16500,16500,16500,0],"Direct compensation":[244580,160561,140735,122156,125317,39500,17750,16500,16500,16500,0],"Other compensation":[30161,20229,21209,14066,5688,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2021,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":1,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":1,"Number of employees total":46,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":46,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":20989003,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":11467190,"Total revenue":{"value":11467190,"LIFE PREMIUM & ANNUITY CONSIDERAT":11450495,"MEMBERSHIP DUES & FEES":16695},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9137813,"Investment income total":8707079,"Net investment gain":430734,"Income from invest bond proceeds":0},"Other revenues":{"value":384000,"Other total":0,"Royalties revenue":0,"Net rental income":384000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":22112939,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":15624951,"Benefits paid to members Total":15624951},"Salaries":{"value":3685784,"Current officers":674440,"Disqualified persons":0,"Other salaries and wages":2023793,"Pension plan contributions":333185,"Other employee benefits":458423,"Payroll taxes":195943},"Other expenses":{"value":2802204,"Management services":0,"Legal":13356,"Accounting":53860,"Lobbying services":0,"Investment management fees":224686,"Other services":437047,"Advertising":143797,"Office expenses":379392,"Information technology":206908,"Royalties":0,"Occupancy":499899,"Travel":48737,"Conferences and meetings":1858,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":68322,"Insurance":57213,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":665461,"COMMISSIONS":538093,"STATE INSURANCE LICENSE":62247,"FRATERNAL BENEFITS":40896,"OTHER TAXES & FEES":24225},"All other expenses":1668},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":202469549,"Non-interest bearing cash":480225,"Savings and temp cash investments":2640582,"Pledges and grants receivable":0,"Accounts receivable":92966,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4218335,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":218547,"Investments publicly traded":190960361,"Investments other":1460543,"Investments program related":0,"Intangible assets":0,"Other assets":2397990},"Liabilities":{"value":190978469,"Sum of Total Liabilities":0,"Accounts payable, accrued":1908591,"Grants payable":0,"Deferred, revenue":26249,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":189043629},"Fund balance":{"value":11491080,"Net assets without donor restriction":11491080,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.05354880362826191,"percentile":0.27991580455945864},"Liabilities to Assets Ratio":{"score":0.943245391434146,"percentile":0.05843833421004764},"Operating Reserve Ratio":{"score":9.156157352037194,"percentile":0.8833521042451496},"Officer Compensation Ratio":{"score":0.044835831184629055,"percentile":0.7825231850599766},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.015497999447078576,"percentile":0.3109519406044653},"Asset Growth":{"score":0.004436821592382411,"percentile":0.3385378657277182},"Independent Voting Board Pct":{"score":0.14285714285714285,"percentile":0.1098319853604996},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4227821059767896,"percentile":0.1601043360078618}},"source_xml":"202212169349301311_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER J MARTIN","NICHOLAS J RADOSTA","JANET J CARMODY","JULIE B LANGOLF","JULIE JAGODA","JANICE U WHIPPLE","KATHY K REGALADO","BRENDA L DOLL","CHARLENE J YARD","DIANE E LOFQUIST","KAREN PALKA"],"Title":["NATIONAL PRESIDENT","DIRECTOR OF SALES & AGENCY DEVELOPMENT","NATIONAL SECRETARY","DIRECTOR OF CHAPTER DEVELOPMENT","NATIONAL TREASURER","CHAIR OF THE BOARD","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,10.0,4.0,4.0,4.0,4.0,4.0],"Total Compensation":[294077,159947,151896,129567,116375,63750,17570,17000,15750,15000,15000],"Direct compensation":[269181,148622,132090,116557,115815,63750,17570,17000,15750,15000,15000],"Other compensation":[24896,11325,19806,13010,560,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2019,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":51,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":51,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":18054883,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":7665958,"Total revenue":{"value":7665958,"LIFE PREMIUM & ANNUITY CONSIDERAT":7639053,"MEMBERSHIP DUES & FEES":26905},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9968925,"Investment income total":9842733,"Net investment gain":126192,"Income from invest bond proceeds":0},"Other revenues":{"value":420000,"Other total":0,"Royalties revenue":0,"Net rental income":420000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":20359488,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":13354849,"Benefits paid to members Total":13354849},"Salaries":{"value":4164933,"Current officers":706418,"Disqualified persons":0,"Other salaries and wages":2217043,"Pension plan contributions":530354,"Other employee benefits":498610,"Payroll taxes":212508},"Other expenses":{"value":2839706,"Management services":0,"Legal":16262,"Accounting":52728,"Lobbying services":0,"Investment management fees":209167,"Other services":641339,"Advertising":147820,"Office expenses":419906,"Information technology":176098,"Royalties":0,"Occupancy":548683,"Travel":93783,"Conferences and meetings":15184,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":79389,"Insurance":58609,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":380180,"COMMISSIONS":253379,"FRATERNAL BENEFITS":68183,"STATE INSURANCE LICENSE":47464,"OTHER TAXES & FEES":11154},"All other expenses":558},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":203458914,"Non-interest bearing cash":731312,"Savings and temp cash investments":1379670,"Pledges and grants receivable":0,"Accounts receivable":28797,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5057452,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":289189,"Investments publicly traded":191915214,"Investments other":1488660,"Investments program related":0,"Intangible assets":0,"Other assets":2568620},"Liabilities":{"value":187697692,"Sum of Total Liabilities":0,"Accounts payable, accrued":1786730,"Grants payable":0,"Deferred, revenue":13560,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":185897402},"Fund balance":{"value":15761222,"Net assets without donor restriction":15761222,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.1276444161947768,"percentile":0.1979999099187047},"Liabilities to Assets Ratio":{"score":0.9225336374301103,"percentile":0.061011941340438816},"Operating Reserve Ratio":{"score":9.993321737756863,"percentile":0.8920509213442546},"Officer Compensation Ratio":{"score":0.048917340161009945,"percentile":0.7621739574231996},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.014063355984071452,"percentile":0.31578892848553874},"Asset Growth":{"score":0.008654785286229146,"percentile":0.35605259240215464},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.40827260775962537,"percentile":0.13496406175286974}},"source_xml":"202012939349300401_public.xml"},{"Organization":{"value":null,"Person":["Kathy K Dack","Brenda L Doll","Joseph Haselmayer","Jean Ann Pyle","Charlene J Yard","Janice U Whipple","Christopher J Martin","Diane E Lofquist","Jeremy D Nichols","James C Borema","Janet Carmody","Katherine Huffmaster","Polly Jamison","Julie Langolf","Shelley White-Thomas","Diane R Bedore"],"Title":["Board Member","Board Member","Board Member","Board Member","Board Member","Chair of the Board","National President","Board Member","National Treasurer","Actuary","National Secretary","Director of Sales","Director of New Business","Director of Chapter Development","National Secretary - Director of Compliance","Sales Representative"],"Hours":[4.0,4.0,4.0,4.0,4.0,10.0,40.0,4.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[15750,17750,5250,15750,15750,63750,283109,11250,123630,129927,125291,109251,79354,111518,94299,162294],"Direct compensation":[15750,17750,5250,15750,15750,63750,262537,11250,106886,114955,110442,95824,66659,101448,87691,151170],"Other compensation":[0,0,0,0,0,0,20572,0,16744,14972,14849,13427,12695,10070,6608,11124]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2014,"name":"WOMANS LIFE INSURANCE SOCIETY","phone":8109855191,"website":"womanslife.org","type":"990","affiliation":null,"foreign_countries":["Bermuda","Canada","Greenland","Mexico","Saint Pierre and Miquelon","United States","United States Minor Outlying Islands"],"principal_officer":"Christopher Martin","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"1338 Military Street PO Box 5020, Port Huron, MI, 480615020, USA","city":"Port Huron","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":54,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":54,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":21014225,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":11105777,"Total revenue":{"value":11105777,"Life Premium and Annuity Considerations":11046397,"Membership dues and fees":59380},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9908448,"Investment income total":9894403,"Net investment gain":14045,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":21475865,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":14997886,"Benefits paid to members Total":14997886},"Salaries":{"value":4041637,"Current officers":1363923,"Disqualified persons":0,"Other salaries and wages":1570891,"Pension plan contributions":449028,"Other employee benefits":438277,"Payroll taxes":219518},"Other expenses":{"value":2436342,"Management services":239753,"Legal":11009,"Accounting":34885,"Lobbying services":0,"Investment management fees":0,"Other services":25931,"Advertising":58303,"Office expenses":208634,"Information technology":166563,"Royalties":0,"Occupancy":454343,"Travel":124170,"Conferences and meetings":4241,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":36487,"Insurance":58039,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":917707,"Commissions":459989,"Fraternal Benefits":322790,"Official Publication":99909,"State Insurance Licenses and Fees":35019},"All other expenses":96277},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":196904905,"Non-interest bearing cash":361210,"Savings and temp cash investments":2087092,"Pledges and grants receivable":0,"Accounts receivable":4243,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":430977,"Investments publicly traded":184499070,"Investments other":0,"Investments program related":6550058,"Intangible assets":0,"Other assets":2972255},"Liabilities":{"value":161120936,"Sum of Total Liabilities":0,"Accounts payable, accrued":4078963,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":157041973},"Fund balance":{"value":35783969,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.02196797645404482,"percentile":0.33447001525879316},"Liabilities to Assets Ratio":{"score":0.8182677622987604,"percentile":0.07647038098562352},"Operating Reserve Ratio":{"score":9.168660028362071,"percentile":0.8834984183325894},"Officer Compensation Ratio":{"score":0.06350957225704297,"percentile":0.6933081389584708},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4605110170995251,"percentile":0.2324581937023624}},"source_xml":"201512229349301966_public.xml"},{"Organization":{"value":null,"Person":["JANICE U WHIPPLE","CHRISTOPHER J MARTIN","KATHY K DACK","BRENDA L DOLL","DIANE E LOFQUIST","JEAN ANN PYLE","CHARLENE J YARD","JANET J CARMODY","JEREMY D NICHOLS","JULIE B LANGOLF"],"Title":["CHAIR OF THE BOARD","NATIONAL PRESIDENT","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","NATIONAL SECRETARY","NATIONAL TREASURER","DIRECTOR OF CHAPTER DEVELO"],"Hours":[10.0,40.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0],"Total Compensation":[64500,282114,16500,17750,15750,16500,16500,139517,130449,121502],"Direct compensation":[64500,259602,16500,17750,15750,16500,16500,122569,113087,109896],"Other compensation":[0,22512,0,0,0,0,0,16948,17362,11606]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2017,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":57,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":57,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":21893081,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":10684938,"Total revenue":{"value":10684938,"LIFE PREMIUM & ANNUITY CONSIDERAT":10629176,"MEMBERSHIP DUES & FEES":55762},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10728143,"Investment income total":10824056,"Net investment gain":-95913,"Income from invest bond proceeds":0},"Other revenues":{"value":480000,"Other total":0,"Royalties revenue":0,"Net rental income":480000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":23273214,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":15876900,"Benefits paid to members Total":15876900},"Salaries":{"value":4198581,"Current officers":699580,"Disqualified persons":0,"Other salaries and wages":2070102,"Pension plan contributions":761799,"Other employee benefits":466383,"Payroll taxes":200717},"Other expenses":{"value":3197733,"Management services":303497,"Legal":43412,"Accounting":58300,"Lobbying services":0,"Investment management fees":127013,"Other services":385219,"Advertising":140929,"Office expenses":443194,"Information technology":182961,"Royalties":0,"Occupancy":578430,"Travel":95205,"Conferences and meetings":12037,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":137000,"Insurance":61434,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":622757,"COMMISSIONS":466456,"FRATERNAL BENEFITS":87753,"STATE INSURANCE LICENSE":45909,"OTHER TAXES & FEES":22639},"All other expenses":6345},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":205850846,"Non-interest bearing cash":446607,"Savings and temp cash investments":484478,"Pledges and grants receivable":0,"Accounts receivable":42073,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5654926,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":314724,"Investments publicly traded":194597573,"Investments other":1514533,"Investments program related":0,"Intangible assets":0,"Other assets":2795932},"Liabilities":{"value":185810230,"Sum of Total Liabilities":0,"Accounts payable, accrued":1684441,"Grants payable":0,"Deferred, revenue":12136,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":184113653},"Fund balance":{"value":20040616,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":20040616,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.06303968820103484,"percentile":0.2664315313881344},"Liabilities to Assets Ratio":{"score":0.9026449665404824,"percentile":0.06423427608798607},"Operating Reserve Ratio":{"score":8.844968554837333,"percentile":0.8797649840075065},"Officer Compensation Ratio":{"score":0.035280129336670046,"percentile":0.831886154505855},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.020269860212970735,"percentile":0.46604715594239515},"Asset Growth":{"score":0.01478941749429828,"percentile":0.38192488730179514},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4415369151178975,"percentile":0.1947958786356965}},"source_xml":"201812819349300901_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER J MARTIN","NICHOLAS J RADOSTA","JANET J CARMODY","JULIE L JAGODA","DIANE E LOFQUIST","BRENDA L DOLL","JAMES HUNSANGER","KAREN R PALKA","KATHY K REGALADO","CHARLENE J YARD"],"Title":["NATIONAL PRESIDENT","DIR, SALES & AGENCY DEVELOPMENT","NATIONAL SECRETARY","NATIONAL TREASURER","CHAIR OF THE BOARD","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,10.0,4.0,4.0,4.0,4.0,4.0],"Total Compensation":[208480,136585,121053,103265,28000,12250,10750,10750,10750,10750],"Direct compensation":[185677,120924,105401,99900,28000,12250,10750,10750,10750,10750],"Other compensation":[22803,15661,15652,3365,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2024,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-08-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":12400101,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":6338535,"Total revenue":{"value":6338535,"LIFE PREMIUM & ANNUITY CONSIDERAT":6329479,"MEMBERSHIP DUES & FEES":9056},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5809670,"Investment income total":5836487,"Net investment gain":-26817,"Income from invest bond proceeds":0},"Other revenues":{"value":251896,"Other total":0,"Royalties revenue":0,"Net rental income":251896,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":14234220,"Grant expense":{"value":11300,"Grants to domestic orgs":0,"Grants to domestic individuals":11300,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":9774655,"Benefits paid to members Total":9774655},"Salaries":{"value":2546411,"Current officers":432799,"Disqualified persons":0,"Other salaries and wages":1586453,"Pension plan contributions":178340,"Other employee benefits":194792,"Payroll taxes":154027},"Other expenses":{"value":1901854,"Management services":0,"Legal":30057,"Accounting":115983,"Lobbying services":0,"Investment management fees":26894,"Other services":299889,"Advertising":79375,"Office expenses":186000,"Information technology":181631,"Royalties":0,"Occupancy":466435,"Travel":52269,"Conferences and meetings":1370,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":98313,"Insurance":46357,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":316526,"COMMISSIONS":239919,"STATE INSURANCE LICENSE":49181,"FRATERNAL BENEFITS":21800,"OTHER TAXES & FEES":5626},"All other expenses":755},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":0,"Non-interest bearing cash":0,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":0,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":0,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.14791161781666134,"percentile":0.182513264063127},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.04584957939388319,"percentile":0.777451262413024},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.014367337957331186,"percentile":0.3147575304792949},"Asset Growth":{"score":-0.04027531313136688,"percentile":0.18548082090889184},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3597250933453328,"percentile":0.0642070817375389}},"source_xml":"202531959349300408_public.xml"},{"Organization":{"value":null,"Person":["JANICE U WHIPPLE","CHRISTOPHER J MARTIN","KATHY K DACK","BRENDA L DOLL","DIANE E LOFQUIST","JEAN ANN PYLE","CHARLENE J YARD","JANET J CARMODY","JEREMY D NICHOLS","DIANE R BEDORE","JULIE B LANGOLF"],"Title":["CHAIR OF THE BOARD","NATIONAL PRESIDENT","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","NATIONAL SECRETARY","NATIONAL TREASURER","SALES REPRESENTATIVE","DIRECTOR OF CHAPTER DEVELOPMENT"],"Hours":[10.0,40.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0],"Total Compensation":[64500,288296,16500,17750,15750,16500,16500,137067,131905,174940,119958],"Direct compensation":[64500,265100,16500,17750,15750,16500,16500,120603,113654,162921,108569],"Other compensation":[0,23196,0,0,0,0,0,16464,18251,12019,11389]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2015,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":61,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":61,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":21830980,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":10621439,"Total revenue":{"value":10621439,"LIFE PREMIUM & ANNUITY CONSIDERAT":10551366,"MEMBERSHIP DUES & FEES":70073},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10729541,"Investment income total":10712703,"Net investment gain":16838,"Income from invest bond proceeds":0},"Other revenues":{"value":480000,"Other total":0,"Royalties revenue":0,"Net rental income":480000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":23334524,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":15338641,"Benefits paid to members Total":15338641},"Salaries":{"value":4818089,"Current officers":704768,"Disqualified persons":0,"Other salaries and wages":2301878,"Pension plan contributions":1074003,"Other employee benefits":509919,"Payroll taxes":227521},"Other expenses":{"value":3177794,"Management services":233610,"Legal":20813,"Accounting":84549,"Lobbying services":0,"Investment management fees":165388,"Other services":297737,"Advertising":132474,"Office expenses":539573,"Information technology":173045,"Royalties":0,"Occupancy":420898,"Travel":116503,"Conferences and meetings":11168,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":191982,"Insurance":64730,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":721097,"COMMISSIONS":477376,"FRATERNAL BENEFITS":186748,"STATE INSURANCE LICENSE":37103,"OTHER TAXES & FEES":19870},"All other expenses":4227},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":199582869,"Non-interest bearing cash":718876,"Savings and temp cash investments":2001423,"Pledges and grants receivable":0,"Accounts receivable":7531,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":6254330,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":443234,"Investments publicly traded":187295502,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":2861973},"Liabilities":{"value":177758460,"Sum of Total Liabilities":0,"Accounts payable, accrued":2101731,"Grants payable":0,"Deferred, revenue":12736,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":175643993},"Fund balance":{"value":21824409,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":21824409,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.06887203414597054,"percentile":0.25869534159458973},"Liabilities to Assets Ratio":{"score":0.8906498883929762,"percentile":0.06618783317191958},"Operating Reserve Ratio":{"score":8.55311507532787,"percentile":0.876155027455111},"Officer Compensation Ratio":{"score":0.04284064247464401,"percentile":0.7927275906242933},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.02688452658349917,"percentile":0.4993052621735901},"Asset Growth":{"score":0.013154750097686765,"percentile":0.3750103383203054},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4404290956340077,"percentile":0.19269423962124502}},"source_xml":"201602149349300005_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER J MARTIN","NICHOLAS J RADOSTA","JANET J CARMODY","JULIE B LANGOLF","JULIE L JAGODA","DIANE E LOFQUIST","BRENDA L DOLL","JAMES HUNSANGER","KAREN R PALKA","KATHY K REGALADO","CHARLENE J YARD"],"Title":["NATIONAL PRESIDENT","DIR, SALES & AGENCY DEVELOPMENT","NATIONAL SECRETARY","DIR, OFFICE ADMINISTRATION","NATIONAL TREASURER","CHAIR OF THE BOARD","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,10.0,4.0,4.0,4.0,4.0,4.0],"Total Compensation":[290478,186944,166167,142588,139269,37500,16500,14500,14500,14500,14500],"Direct compensation":[263993,166548,145505,124630,134440,37500,16500,14500,14500,14500,14500],"Other compensation":[26485,20396,20662,17958,4829,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2023,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":44,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":44,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":24625783,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":15086807,"Total revenue":{"value":15086807,"LIFE PREMIUM & ANNUITY CONSIDERAT":15071148,"MEMBERSHIP DUES & FEES":15659},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9136976,"Investment income total":9124726,"Net investment gain":12250,"Income from invest bond proceeds":0},"Other revenues":{"value":402000,"Other total":0,"Royalties revenue":0,"Net rental income":402000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":25936534,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":19508603,"Benefits paid to members Total":19508603},"Salaries":{"value":3565857,"Current officers":707914,"Disqualified persons":0,"Other salaries and wages":2102246,"Pension plan contributions":195223,"Other employee benefits":355489,"Payroll taxes":204985},"Other expenses":{"value":2862074,"Management services":0,"Legal":16464,"Accounting":81086,"Lobbying services":0,"Investment management fees":189008,"Other services":390710,"Advertising":144654,"Office expenses":386522,"Information technology":226378,"Royalties":0,"Occupancy":529748,"Travel":76001,"Conferences and meetings":2071,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":137290,"Insurance":81406,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":592177,"COMMISSIONS":479863,"STATE INSURANCE LICENSE":54814,"FRATERNAL BENEFITS":51572,"OTHER TAXES & FEES":5928},"All other expenses":8559},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":197733256,"Non-interest bearing cash":313397,"Savings and temp cash investments":451250,"Pledges and grants receivable":0,"Accounts receivable":16576,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3742617,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":218415,"Investments publicly traded":189221712,"Investments other":1430045,"Investments program related":0,"Intangible assets":0,"Other assets":2339244},"Liabilities":{"value":185203199,"Sum of Total Liabilities":0,"Accounts payable, accrued":2178193,"Grants payable":0,"Deferred, revenue":24980,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":183000026},"Fund balance":{"value":12530057,"Net assets without donor restriction":12530057,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.05322677455575727,"percentile":0.2803996348650482},"Liabilities to Assets Ratio":{"score":0.9366315143265531,"percentile":0.05920054307125311},"Operating Reserve Ratio":{"score":7.623734767336298,"percentile":0.8633848794091012},"Officer Compensation Ratio":{"score":0.03999940778517284,"percentile":0.807377315392516},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0026131444773959157,"percentile":0.3814235252254363},"Asset Growth":{"score":0.0020052518517877944,"percentile":0.32844233824629004},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4294807448366241,"percentile":0.1720764189463087}},"source_xml":"202421719349301022_public.xml"},{"Organization":{"value":null,"Person":["JANICE U WHIPPLE","CHRISTOPHER J MARTIN","KATHY K DACK","BRENDA L DOLL","DIANE E LOFQUIST","JEAN ANN PYLE","CHARLENE J YARD","KAREN PALKA","JANET J CARMODY","JEREMY D NICHOLS","JULIE JAGODA","JULIE B LANGOLF"],"Title":["CHAIR OF THE BOARD","NATIONAL PRESIDENT","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR (TO APRIL '18)","DIRECTOR","DIRECTOR (FROM APRIL '18)","NATIONAL SECRETARY","NATIONAL TREASURER (TO MAY '18)","NATIONAL TREASURER (FROM DECEMBER '18)","DIRECTOR OF CHAPTER DEVELO"],"Hours":[10.0,40.0,4.0,4.0,4.0,4.0,4.0,4.0,40.0,40.0,40.0,40.0],"Total Compensation":[63750,290488,16500,18500,15750,5250,16500,11250,149803,63430,4425,124633],"Direct compensation":[63750,262828,16500,18500,15750,5250,16500,11250,127315,54453,4425,112630],"Other compensation":[0,27660,0,0,0,0,0,0,22488,8977,0,12003]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2018,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":1,"Number of employees total":46,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":46,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":20796356,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":9999026,"Total revenue":{"value":9999026,"LIFE PREMIUM & ANNUITY CONSIDERAT":9970232,"MEMBERSHIP DUES & FEES":28794},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10377330,"Investment income total":9911419,"Net investment gain":465911,"Income from invest bond proceeds":0},"Other revenues":{"value":420000,"Other total":0,"Royalties revenue":0,"Net rental income":420000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":22058064,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":15088254,"Benefits paid to members Total":15088254},"Salaries":{"value":4095176,"Current officers":780279,"Disqualified persons":0,"Other salaries and wages":1964240,"Pension plan contributions":642352,"Other employee benefits":478883,"Payroll taxes":229422},"Other expenses":{"value":2874634,"Management services":0,"Legal":27933,"Accounting":62550,"Lobbying services":0,"Investment management fees":210544,"Other services":486200,"Advertising":137630,"Office expenses":408821,"Information technology":176279,"Royalties":0,"Occupancy":538024,"Travel":86206,"Conferences and meetings":15351,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":107658,"Insurance":66151,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":551772,"COMMISSIONS":411505,"FRATERNAL BENEFITS":72317,"STATE INSURANCE LICENSE":36078,"OTHER TAXES & FEES":31872},"All other expenses":-485},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":204561858,"Non-interest bearing cash":997794,"Savings and temp cash investments":967184,"Pledges and grants receivable":0,"Accounts receivable":19930,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":5316346,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":277392,"Investments publicly traded":192788299,"Investments other":1501856,"Investments program related":0,"Intangible assets":0,"Other assets":2693057},"Liabilities":{"value":184588524,"Sum of Total Liabilities":0,"Accounts payable, accrued":1558622,"Grants payable":0,"Deferred, revenue":12424,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":183017478},"Fund balance":{"value":19973334,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":19973334,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.060669667320563274,"percentile":0.26970034110647956},"Liabilities to Assets Ratio":{"score":0.9023604195069445,"percentile":0.06427852148277789},"Operating Reserve Ratio":{"score":9.27379021114455,"percentile":0.8846620599285526},"Officer Compensation Ratio":{"score":0.03537386599295387,"percentile":0.8313787180465211},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.005750205243707747,"percentile":0.39538351403795957},"Asset Growth":{"score":0.011617399813422557,"percentile":0.368451007015479},"Independent Voting Board Pct":{"score":0.14285714285714285,"percentile":0.1098319853604996},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4346797899996078,"percentile":0.18174287849550724}},"source_xml":"201902979349300905_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER J MARTIN","NICHOLAS J RADOSTA","JANET J CARMODY","JULIE B LANGOLF","JULIE L JAGODA","DIANE E LOFQUIST","BRENDA L DOLL","KAREN R PALKA","KATHY K REGALADO","CHARLENE J YARD","JAMES HUNSANGER","THOMAS D STREUKENS"],"Title":["NATIONAL PRESIDENT","DIR, SALES & AGENCY DEVELOPMENT","NATIONAL SECRETARY","DIR, OFFICE ADMINISTRATION","NATIONAL TREASURER","CHAIR OF THE BOARD","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR (TO MAY '22)"],"Hours":[40.0,40.0,40.0,40.0,40.0,10.0,4.0,4.0,4.0,4.0,4.0,4.0],"Total Compensation":[290080,184227,161933,139413,131986,39000,18000,15250,15250,15250,7000,0],"Direct compensation":[259883,164482,141916,125697,129600,39000,18000,15250,15250,15250,7000,0],"Other compensation":[30197,19745,20017,13716,2386,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2022,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":1,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":1,"Number of employees total":44,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":44,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":21972546,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":12627953,"Total revenue":{"value":12627953,"LIFE PREMIUM & ANNUITY CONSIDERAT":12612142,"MEMBERSHIP DUES & FEES":15811},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8936593,"Investment income total":9023937,"Net investment gain":-87344,"Income from invest bond proceeds":0},"Other revenues":{"value":408000,"Other total":0,"Royalties revenue":0,"Net rental income":408000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":21588657,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":15008490,"Benefits paid to members Total":15008490},"Salaries":{"value":3580654,"Current officers":693748,"Disqualified persons":0,"Other salaries and wages":2032396,"Pension plan contributions":297723,"Other employee benefits":355470,"Payroll taxes":201317},"Other expenses":{"value":2999513,"Management services":0,"Legal":14877,"Accounting":59906,"Lobbying services":0,"Investment management fees":199397,"Other services":363818,"Advertising":151281,"Office expenses":380473,"Information technology":237500,"Royalties":0,"Occupancy":530939,"Travel":66010,"Conferences and meetings":1814,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":106344,"Insurance":94718,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":791622,"COMMISSIONS":640421,"STATE INSURANCE LICENSE":77593,"FRATERNAL BENEFITS":48971,"OTHER TAXES & FEES":24637},"All other expenses":814},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":203511750,"Non-interest bearing cash":37505,"Savings and temp cash investments":1522919,"Pledges and grants receivable":0,"Accounts receivable":115415,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3896962,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":233451,"Investments publicly traded":193839354,"Investments other":1445600,"Investments program related":0,"Intangible assets":0,"Other assets":2420544},"Liabilities":{"value":189781962,"Sum of Total Liabilities":0,"Accounts payable, accrued":1716746,"Grants payable":0,"Deferred, revenue":28983,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":188036233},"Fund balance":{"value":13729788,"Net assets without donor restriction":13729788,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.017471302597341247,"percentile":0.4455769370688403},"Liabilities to Assets Ratio":{"score":0.932535649661506,"percentile":0.05969707472391693},"Operating Reserve Ratio":{"score":9.426790652146634,"percentile":0.8863382050131168},"Officer Compensation Ratio":{"score":0.04712609033530896,"percentile":0.7710113613997628},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.007698503498687906,"percentile":0.33849984223866003},"Asset Growth":{"score":0.0038149982154671376,"percentile":0.335943963640513},"Independent Voting Board Pct":{"score":0.14285714285714285,"percentile":0.1098319853604996},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4559820532066192,"percentile":0.22320090281084468}},"source_xml":"202332389349300803_public.xml"},{"Organization":{"value":null,"Person":["Kathy K Dack","Brenda L Doll","Joseph Haselmayer","Jean Ann Pyle","Charlene J Yard","Janice U Whipple","Christopher J Martin","Paul E Bolek","Jeremy D Nichols","James C Borema","Janet Carmody","Katherine Huffmaster","Polly Jamison","Julie Langolf","Shelley White-Thomas","Diane R Bedore"],"Title":["Board Member","Board Member","Board Member","Board Member","Board Member","Chair of the Board","National President","National Secretary","National Treasurer","Actuary","Director of Information Systems","Director of Sales","Director of New Business","Director of Chapter Development","National Secretary - Director of Compliance","Sales Representative"],"Hours":[4.0,4.0,4.0,4.0,4.0,10.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[17250,18500,16500,17250,17250,66000,272258,112990,120007,125902,118168,113801,73488,107832,85115,136407],"Direct compensation":[17250,18500,16500,17250,17250,66000,253141,108006,104537,112027,104496,100552,61909,98451,80443,126153],"Other compensation":[0,0,0,0,0,0,19117,4984,15470,13875,13672,13249,11579,9381,4672,10254]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2013,"name":"WOMANS LIFE INSURANCE SOCIETY","phone":8109855191,"website":"womanslife.org","type":"990","affiliation":null,"foreign_countries":["Bermuda","Canada","Greenland","Mexico","Saint Pierre and Miquelon","United States","United States Minor Outlying Islands"],"principal_officer":"Christopher Martin","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"1338 Military Street PO Box 5020, Port Huron, MI, 480615020, USA","city":"Port Huron","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":6,"Number of employees total":55,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":55,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":20692198,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":10751625,"Total revenue":{"value":10751625,"Life Premium and Annuity Considerations":10703065,"Membership dues and fees":48560},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9940573,"Investment income total":9891006,"Net investment gain":49567,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":21992229,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":15439996,"Benefits paid to members Total":15439996},"Salaries":{"value":4106279,"Current officers":1418718,"Disqualified persons":0,"Other salaries and wages":1422865,"Pension plan contributions":666358,"Other employee benefits":377577,"Payroll taxes":220761},"Other expenses":{"value":2445954,"Management services":264823,"Legal":1687,"Accounting":128292,"Lobbying services":0,"Investment management fees":0,"Other services":26790,"Advertising":57615,"Office expenses":213705,"Information technology":142563,"Royalties":0,"Occupancy":454284,"Travel":139506,"Conferences and meetings":3613,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":47061,"Insurance":60833,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":894869,"Commissions on life insurance and annuity sales":487121,"Fraternal Benefits":265032,"Official Publications":104438,"State Insurance Licenses and Fees":38278},"All other expenses":10313},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":194400874,"Non-interest bearing cash":517200,"Savings and temp cash investments":3078864,"Pledges and grants receivable":0,"Accounts receivable":6668,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":413395,"Investments publicly traded":180195844,"Investments other":0,"Investments program related":7130213,"Intangible assets":0,"Other assets":3058690},"Liabilities":{"value":158155265,"Sum of Total Liabilities":0,"Accounts payable, accrued":4341761,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":153813504},"Fund balance":{"value":36245609,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.0628271100054233,"percentile":0.2667172643655719},"Liabilities to Assets Ratio":{"score":0.8135522322806018,"percentile":0.07710702305512812},"Operating Reserve Ratio":{"score":8.83952572520048,"percentile":0.8797003147975884},"Officer Compensation Ratio":{"score":0.06450996849841824,"percentile":0.6888628197545649},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4447748205809381,"percentile":0.20099920346101488}},"source_xml":"201422239349301922_public.xml"},{"Organization":{"value":null,"Person":["CHRISTOPHER J MARTIN","NICHOLAS J RADOSTA","JANET J CARMODY","JULIE B LANGOLF","JULIE JAGODA","DIANE E LOFQUIST","JANICE U WHIPPLE","BRENDA L DOLL","KAREN PALKA","KATHY K REGALADO","CHARLENE J YARD"],"Title":["NATIONAL PRESIDENT","DIR, SALES & AGENCY DEV","NATIONAL SECRETARY","DIR, CHAPTER DEVELOPMENT","NATIONAL TREASURER","CHAIR OF THE BOARD","CHAIR OF THE BOARD (TIL JUL '20)","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,40.0,10.0,10.0,4.0,4.0,4.0,4.0],"Total Compensation":[297083,170878,156886,133777,126293,28000,27500,17750,16500,16250,15750],"Direct compensation":[257039,154929,136622,120292,120796,28000,27500,17750,16500,16250,15750],"Other compensation":[40044,15949,20264,13485,5497,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2020,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":6,"Number of independent voting members":0,"Number of employees total":49,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":49,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":17475873,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":7592076,"Total revenue":{"value":7592076,"LIFE PREMIUM & ANNUITY CONSIDERAT":7573411,"MEMBERSHIP DUES & FEES":18665},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":9475797,"Investment income total":9409907,"Net investment gain":65890,"Income from invest bond proceeds":0},"Other revenues":{"value":408000,"Other total":0,"Royalties revenue":0,"Net rental income":408000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":20704367,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":14371988,"Benefits paid to members Total":14371988},"Salaries":{"value":3701437,"Current officers":702012,"Disqualified persons":0,"Other salaries and wages":1993281,"Pension plan contributions":428944,"Other employee benefits":386483,"Payroll taxes":190717},"Other expenses":{"value":2630942,"Management services":0,"Legal":17614,"Accounting":53885,"Lobbying services":0,"Investment management fees":225346,"Other services":518522,"Advertising":134078,"Office expenses":377910,"Information technology":197509,"Royalties":0,"Occupancy":522354,"Travel":56125,"Conferences and meetings":5300,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":68637,"Insurance":78937,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":372576,"COMMISSIONS":263304,"FRATERNAL BENEFITS":48626,"STATE INSURANCE LICENSE":47574,"OTHER TAXES & FEES":13072},"All other expenses":2149},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":201104800,"Non-interest bearing cash":784007,"Savings and temp cash investments":2672196,"Pledges and grants receivable":0,"Accounts receivable":32012,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":4731280,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":254875,"Investments publicly traded":188661491,"Investments other":1474884,"Investments program related":0,"Intangible assets":0,"Other assets":2494055},"Liabilities":{"value":189742910,"Sum of Total Liabilities":0,"Accounts payable, accrued":2512889,"Grants payable":0,"Deferred, revenue":16504,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":187213517},"Fund balance":{"value":11361890,"Net assets without donor restriction":11361890,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.18474006992383155,"percentile":0.15941230310766202},"Liabilities to Assets Ratio":{"score":0.9435026414088574,"percentile":0.05840883728018642},"Operating Reserve Ratio":{"score":9.713158581472209,"percentile":0.8893028841052985},"Officer Compensation Ratio":{"score":0.048620998652120107,"percentile":0.7636303342487376},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.024005349552564677,"percentile":0.2842299412825451},"Asset Growth":{"score":0.005733467971725222,"percentile":0.3439505196074831},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3968817304329841,"percentile":0.11652147445505674}},"source_xml":"202143079349303169_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["CHRISTOPHER J MARTIN","NICHOLAS J RADOSTA","JANET J CARMODY","JULIE L JAGODA","DIANE E LOFQUIST","BRENDA L DOLL","JAMES HUNSANGER","KAREN R PALKA","KATHY K REGALADO","CHARLENE J YARD"],"Title":["NATIONAL PRESIDENT","DIR, SALES & AGENCY DEVELOPMENT","NATIONAL SECRETARY","NATIONAL TREASURER","CHAIR OF THE BOARD","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,40.0,40.0,40.0,10.0,4.0,4.0,4.0,4.0,4.0],"Total Compensation":[208480,136585,121053,103265,28000,12250,10750,10750,10750,10750],"Direct compensation":[185677,120924,105401,99900,28000,12250,10750,10750,10750,10750],"Other compensation":[22803,15661,15652,3365,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Provide life or other benefits to members or their dependents and promotion of fraternal bond.","year":2024,"name":"WOMAN'S LIFE INSURANCE SOCIETY","phone":8005219292,"website":"WWW.WOMANSLIFE.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"CHRISTOPHER MARTIN","year_formation":1892,"state_legal_domicile":"MI","total_volunteers":0,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-08-31T00:00:00","address":"1338 MILITARY STREET PO BOX 5020, PORT HURON, MI, 480615020, USA","city":"PORT HURON","state":"MI","country":"USA","zip_code":480615020},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":0,"Number of employees total":0,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":0,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":12400101,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":6338535,"Total revenue":{"value":6338535,"LIFE PREMIUM & ANNUITY CONSIDERAT":6329479,"MEMBERSHIP DUES & FEES":9056},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5809670,"Investment income total":5836487,"Net investment gain":-26817,"Income from invest bond proceeds":0},"Other revenues":{"value":251896,"Other total":0,"Royalties revenue":0,"Net rental income":251896,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":14234220,"Grant expense":{"value":11300,"Grants to domestic orgs":0,"Grants to domestic individuals":11300,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":9774655,"Benefits paid to members Total":9774655},"Salaries":{"value":2546411,"Current officers":432799,"Disqualified persons":0,"Other salaries and wages":1586453,"Pension plan contributions":178340,"Other employee benefits":194792,"Payroll taxes":154027},"Other expenses":{"value":1901854,"Management services":0,"Legal":30057,"Accounting":115983,"Lobbying services":0,"Investment management fees":26894,"Other services":299889,"Advertising":79375,"Office expenses":186000,"Information technology":181631,"Royalties":0,"Occupancy":466435,"Travel":52269,"Conferences and meetings":1370,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":98313,"Insurance":46357,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":316526,"COMMISSIONS":239919,"STATE INSURANCE LICENSE":49181,"FRATERNAL BENEFITS":21800,"OTHER TAXES & FEES":5626},"All other expenses":755},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":0,"Non-interest bearing cash":0,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":0,"Sum of Total Liabilities":0,"Accounts payable, accrued":0,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":0,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.14791161781666134,"percentile":0.182513264063127},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.04584957939388319,"percentile":0.777451262413024},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.014367337957331186,"percentile":0.3147575304792949},"Asset Growth":{"score":-0.04027531313136688,"percentile":0.18548082090889184},"Independent Voting Board Pct":{"score":0.0,"percentile":0.10798813433961453},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3597250933453328,"percentile":0.0642070817375389}},"source_xml":"202531959349300408_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}