{"success":true,"data":{"_id":390494090,"filings":[{"Organization":{"value":null,"Person":["Thomas R Johnson","Nancy Nelson Heykes","Maureen A O'Hern Hahn","John T McHugh Jr","Daniel L Shinnick","George F Yanna","Steven G Reindl","Jenna M Dunker","Anne D Rogers","Eric D Garland","John E Rashke"],"Title":["Independent Director","Independent Director","Independent Director","Independent Director","President/CEO","President/Director Emeritus","Secretary/Vice President - Operations","Treasurer","Vice President - Fraternal","Vice President - Marketing","Former Director"],"Hours":[3.0,3.0,3.0,3.0,40.0,28.0,40.0,40.0,40.0,40.0,0.0],"Total Compensation":[49865,48815,49340,50390,170130,417141,269231,129346,165069,204187,34625],"Direct compensation":[49865,48815,49340,50390,146820,345758,200695,104775,111860,162370,34625],"Other compensation":[0,0,0,0,23310,71383,68536,24571,53209,41817,0]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2017,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.nmblife.org","type":"990","affiliation":null,"foreign_countries":["Albania","Andorra","Anguilla","Antigua and Barbuda","Aruba","Australia","Austria","Bahamas","Barbados","Belarus","Belgium","Belize","Bermuda","Bosnia and Herzegovina","British Virgin Islands","Bulgaria","Canada","Caribbean Netherlands","Cayman Islands","China","Costa Rica","Croatia","Cuba","Curaçao","Cyprus","Czechia","Denmark","Dominica","Dominican Republic","El Salvador","Estonia","Faroe Islands","Finland","France","Germany","Gibraltar","Greece","Greenland","Grenada","Guadeloupe","Guatemala","Guernsey","Haiti","Honduras","Hong Kong","Hungary","Iceland","Indonesia","Ireland","Isle of Man","Italy","Jamaica","Japan","Jersey","Kosovo","Latvia","Liechtenstein","Lithuania","Luxembourg","Macau","Malaysia","Malta","Marshall Islands","Martinique","Mexico","Micronesia","Moldova","Monaco","Mongolia","Montenegro","Montserrat","Nauru","Netherlands","New Zealand","Nicaragua","Niue","North Korea","North Macedonia","Norway","Palau","Panama","Papua New Guinea","Philippines","Poland","Portugal","Puerto Rico","Romania","Russia","Saint Barthélemy","Saint Kitts and Nevis","Saint Lucia","Saint Martin","Saint Pierre and Miquelon","Saint Vincent and the Grenadines","Samoa","San Marino","Serbia","Sint Maarten","Slovakia","Slovenia","Solomon Islands","South Korea","Spain","Svalbard and Jan Mayen","Sweden","Switzerland","Taiwan","Tonga","Trinidad and Tobago","Turks and Caicos Islands","Tuvalu","Ukraine","United Kingdom","United States","United States Minor Outlying Islands","United States Virgin Islands","Vanuatu","Vatican City","Åland Islands"],"principal_officer":"Daniel L Shinnick","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":18673,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":108,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":108,"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":37441954,"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":37441954,"Total revenue":{"value":37042421,"Insurance Premiums":18720035,"Investment Income":16724973,"Realized Capital Gains":961462,"Considerations for SC with Life":382595,"Commission on Reinsurance Ceded":253356},"Total other revenue":399533,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":39224535,"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":27233557,"Benefits paid to members Total":27233557},"Salaries":{"value":5627751,"Current officers":1561295,"Disqualified persons":0,"Other salaries and wages":2669279,"Pension plan contributions":241397,"Other employee benefits":816125,"Payroll taxes":339655},"Other expenses":{"value":6363227,"Management services":0,"Legal":27062,"Accounting":215906,"Lobbying services":0,"Investment management fees":549997,"Other services":119114,"Advertising":62014,"Office expenses":821319,"Information technology":556296,"Royalties":0,"Occupancy":350004,"Travel":170284,"Conferences and meetings":69905,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":174018,"Insurance":75679,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2745182,"Commissions/Fieldworkers Expense":955033,"Change in Non-Admitted Assets":896170,"Post-Retirement Benefit Reserve":531469,"Fraternal Activities":362510},"All other expenses":426447},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":343641412,"Non-interest bearing cash":-152230,"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":739028,"Investments publicly traded":0,"Investments other":0,"Investments program related":337969836,"Intangible assets":0,"Other assets":5084778},"Liabilities":{"value":308278348,"Sum of Total Liabilities":0,"Accounts payable, accrued":560990,"Grants payable":0,"Deferred, revenue":16070,"Tax exempt bond liabilities":0,"Escrow account liability":72893,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":307628395},"Fund balance":{"value":35363064,"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":-0.0476091872769247,"percentile":0.28896958614981744},"Liabilities to Assets Ratio":{"score":0.8970931245038651,"percentile":0.06514683735556746},"Operating Reserve Ratio":{"score":8.76087917931978,"percentile":0.8787626112537763},"Officer Compensation Ratio":{"score":0.04048840859426377,"percentile":0.8048435518207885},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.010213432098736654,"percentile":0.32925589561266694},"Asset Growth":{"score":0.018342320995341617,"percentile":0.3968636550076581},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4388373395212259,"percentile":0.18965507242145252}},"source_xml":"201801339349300015_public.xml"},{"Organization":{"value":null,"Person":["Thomas R Johnson","Nancy Nelson Heykes","John E Rashke","Maureen A O'Hern Hahn","George F Yanna","Steven G Reindl","Jenna M Dunker","Anne D Rogers","Paul M Stadler"],"Title":["Outside Director","Outside Director","Outside Director","Outside Director","President","Secretary/Vice President - Operations","Treasurer","Vice President - Fraternal","Vice President - Marketing"],"Hours":[2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[65513,56063,61313,62363,279305,218374,131892,143471,243671],"Direct compensation":[48013,38563,43813,44863,229044,152865,94222,91911,209418],"Other compensation":[17500,17500,17500,17500,50261,65509,37670,51560,34253]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2014,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.nmblife.org","type":"990","affiliation":null,"foreign_countries":["Albania","Andorra","Anguilla","Antigua and Barbuda","Aruba","Australia","Austria","Bahamas","Barbados","Belarus","Belgium","Belize","Bermuda","Bosnia and Herzegovina","British Virgin Islands","Bulgaria","Canada","Caribbean Netherlands","Cayman Islands","China","Costa Rica","Croatia","Cuba","Curaçao","Cyprus","Czechia","Denmark","Dominica","Dominican Republic","El Salvador","Estonia","Faroe Islands","Finland","France","Germany","Gibraltar","Greece","Greenland","Grenada","Guadeloupe","Guatemala","Guernsey","Haiti","Honduras","Hong Kong","Hungary","Iceland","Indonesia","Ireland","Isle of Man","Italy","Jamaica","Japan","Jersey","Kosovo","Latvia","Liechtenstein","Lithuania","Luxembourg","Macau","Malaysia","Malta","Marshall Islands","Martinique","Mexico","Micronesia","Moldova","Monaco","Mongolia","Montenegro","Montserrat","Nauru","Netherlands","New Zealand","Nicaragua","Niue","North Korea","North Macedonia","Norway","Palau","Panama","Papua New Guinea","Philippines","Poland","Portugal","Puerto Rico","Romania","Russia","Saint Barthélemy","Saint Kitts and Nevis","Saint Lucia","Saint Martin","Saint Pierre and Miquelon","Saint Vincent and the Grenadines","Samoa","San Marino","Serbia","Sint Maarten","Slovakia","Slovenia","Solomon Islands","South Korea","Spain","Svalbard and Jan Mayen","Sweden","Switzerland","Taiwan","Tonga","Trinidad and Tobago","Turks and Caicos Islands","Tuvalu","Ukraine","United Kingdom","United States","United States Minor Outlying Islands","United States Virgin Islands","Vanuatu","Vatican City","Åland Islands"],"principal_officer":"George F Yanna","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":24473,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":116,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":116,"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":38557706,"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":38557706,"Total revenue":{"value":38358552,"Insurance Premiums":19525080,"Investment Income":16957092,"Realized Capital Gains":1429191,"Commission Reinsurance Ceded":314263,"Amortization of IMR":132926},"Total other revenue":199154,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":36975543,"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":26083265,"Benefits paid to members Total":26083265},"Salaries":{"value":5117982,"Current officers":1269275,"Disqualified persons":0,"Other salaries and wages":2576731,"Pension plan contributions":229090,"Other employee benefits":696634,"Payroll taxes":346252},"Other expenses":{"value":5774296,"Management services":0,"Legal":2276,"Accounting":213621,"Lobbying services":0,"Investment management fees":500067,"Other services":123460,"Advertising":34050,"Office expenses":572132,"Information technology":576434,"Royalties":0,"Occupancy":350004,"Travel":139486,"Conferences and meetings":50663,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":137566,"Insurance":67963,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2696730,"Post-Retirement Benefit Reserve":1075599,"Commission/Field Expenses":988376,"Fraternal Activities":400186,"Change in Asset Valuation Reserve":232569},"All other expenses":309844},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":326851278,"Non-interest bearing cash":-152488,"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":825436,"Investments publicly traded":0,"Investments other":0,"Investments program related":321507443,"Intangible assets":0,"Other assets":4670887},"Liabilities":{"value":292695226,"Sum of Total Liabilities":0,"Accounts payable, accrued":878978,"Grants payable":0,"Deferred, revenue":14745,"Tax exempt bond liabilities":0,"Escrow account liability":57694,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":291743809},"Fund balance":{"value":34156052,"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":0.041033639293789934,"percentile":0.5045251584625773},"Liabilities to Assets Ratio":{"score":0.895499714093209,"percentile":0.06540882744787646},"Operating Reserve Ratio":{"score":8.839661340470375,"percentile":0.8797021336191173},"Officer Compensation Ratio":{"score":0.034129721908343576,"percentile":0.837959763560983},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5058737899617771,"percentile":0.3361260527443598}},"source_xml":"201531329349300733_public.xml"},{"Organization":{"value":null,"Person":["Daniel L Shinnick","Steven G Reindl","Jared M Bruley","Anne D Rogers","Eric D Garland","Jenna M Dunker","Brian M Passehl","Michelle M Maffet","George F Yanna","Nicolas O McCullick","John T McHugh Jr","Ellie H Roekle","Maureen A O'Hern Hahn","Nancy Nelson Heykes","Thomas R Johnson","John E Rashke","Angel L Thomas","Susan Sachatello"],"Title":["President/CEO","SVP-Finance/Secretary/Treasurer","SVP-Member Acquisition","Vice President - Fraternal","GM-Independent Agencies","SVP-Market Development","Sales Director","VP-Member Services","Former Director","VP-Change Champions","Independent Director","VP-Human Resources","Independent Director","Independent Director","Independent Director","Former Director","SVP-Member Experience","VP-Member Engagement"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0,40.0,3.0,40.0,3.0,3.0,3.0,0.0,40.0,40.0],"Total Compensation":[481349,317699,222001,211977,164861,137666,120952,112340,108511,104108,93393,57575,48928,48403,48140,34625,22664,1923],"Direct compensation":[390087,257491,176904,135267,138211,114291,111993,101008,96275,95532,49453,44978,48928,48403,48140,34625,20985,1923],"Other compensation":[91262,60208,45097,76710,26650,23375,8959,11332,12236,8576,43940,12597,0,0,0,0,1679,0]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2020,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.betterlifeins.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Daniel L Shinnick","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":3548,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":105,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":105,"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":36708977,"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":36708977,"Total revenue":{"value":35930222,"Insurance Premiums":17388156,"Investment Income":15170377,"Change in Non-Admitted Assets":2145472,"Realized Capital Gains":915843,"Amortization of IMR":310374},"Total other revenue":778755,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":38443654,"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":24363057,"Benefits paid to members Total":24363057},"Salaries":{"value":5658744,"Current officers":1920164,"Disqualified persons":0,"Other salaries and wages":2649352,"Pension plan contributions":246405,"Other employee benefits":508540,"Payroll taxes":334283},"Other expenses":{"value":8421853,"Management services":0,"Legal":58372,"Accounting":277060,"Lobbying services":0,"Investment management fees":567969,"Other services":97920,"Advertising":117219,"Office expenses":1174692,"Information technology":1132126,"Royalties":0,"Occupancy":350004,"Travel":88149,"Conferences and meetings":39704,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2225220,"Insurance":84901,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2130409,"Commissions/Fieldworkers Expense":1010548,"Fraternal Activities":492779,"Deferred Compensation Benefit Reserve":392935,"Change in Asset Valuation Reserve":234147},"All other expenses":78108},"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":-0.0472548445030217,"percentile":0.2895123157638802},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.06079325862208623,"percentile":0.7056741554650516},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.007214017760504851,"percentile":0.34031906706074805},"Asset Growth":{"score":-0.08540876122692712,"percentile":0.11742930060807547},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3825463783816607,"percentile":0.09537529425246026}},"source_xml":"202101319349301585_public.xml"},{"Organization":{"value":null,"Person":["Thomas R Johnson","Nancy Nelson Heykes","Maureen A O'Hern Hahn","John McHugh Jr","George F Yanna","Steven G Reindl","Jenna M Dunker","Anne D Rogers","Eric D Garland","Paul M Stadler","John E Rashke"],"Title":["Independent Director","Independent Director","Independent Director","Independent Director","President","Secretary/Vice President - Operations","Treasurer","Vice President - Fraternal","Vice President - Marketing","Vice President - Marketing","Former Director"],"Hours":[3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,0.0,0.0],"Total Compensation":[56602,55552,79647,55012,293314,240748,120886,159567,143858,24348,34625],"Direct compensation":[45338,44288,46913,44288,245039,176398,96750,107044,121452,22620,34625],"Other compensation":[11264,11264,32734,10724,48275,64350,24136,52523,22406,1728,0]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2015,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.nmblife.org","type":"990","affiliation":null,"foreign_countries":["Albania","Andorra","Anguilla","Antigua and Barbuda","Aruba","Australia","Austria","Bahamas","Barbados","Belarus","Belgium","Belize","Bermuda","Bosnia and Herzegovina","British Virgin Islands","Bulgaria","Canada","Caribbean Netherlands","Cayman Islands","China","Costa Rica","Croatia","Cuba","Curaçao","Cyprus","Czechia","Denmark","Dominica","Dominican Republic","El Salvador","Estonia","Faroe Islands","Finland","France","Germany","Gibraltar","Greece","Greenland","Grenada","Guadeloupe","Guatemala","Guernsey","Haiti","Honduras","Hong Kong","Hungary","Iceland","Indonesia","Ireland","Isle of Man","Italy","Jamaica","Japan","Jersey","Kosovo","Latvia","Liechtenstein","Lithuania","Luxembourg","Macau","Malaysia","Malta","Marshall Islands","Martinique","Mexico","Micronesia","Moldova","Monaco","Mongolia","Montenegro","Montserrat","Nauru","Netherlands","New Zealand","Nicaragua","Niue","North Korea","North Macedonia","Norway","Palau","Panama","Papua New Guinea","Philippines","Poland","Portugal","Puerto Rico","Romania","Russia","Saint Barthélemy","Saint Kitts and Nevis","Saint Lucia","Saint Martin","Saint Pierre and Miquelon","Saint Vincent and the Grenadines","Samoa","San Marino","Serbia","Sint Maarten","Slovakia","Slovenia","Solomon Islands","South Korea","Spain","Svalbard and Jan Mayen","Sweden","Switzerland","Taiwan","Tonga","Trinidad and Tobago","Turks and Caicos Islands","Tuvalu","Ukraine","United Kingdom","United States","United States Minor Outlying Islands","United States Virgin Islands","Vanuatu","Vatican City","Åland Islands"],"principal_officer":"George F Yanna","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":25058,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":116,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":116,"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":37032573,"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":37032573,"Total revenue":{"value":36651130,"Insurance Premiums":17642027,"Investment Income":16995423,"Realized Capital Gains":1347732,"Change in Asset Valuation Reserve":366718,"Commission Reinsurance Ceded":299230},"Total other revenue":381443,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":35004924,"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":24746069,"Benefits paid to members Total":24746069},"Salaries":{"value":5290184,"Current officers":1271254,"Disqualified persons":0,"Other salaries and wages":2687778,"Pension plan contributions":208531,"Other employee benefits":799971,"Payroll taxes":322650},"Other expenses":{"value":4968671,"Management services":0,"Legal":119106,"Accounting":176302,"Lobbying services":0,"Investment management fees":521147,"Other services":110976,"Advertising":26449,"Office expenses":490739,"Information technology":906966,"Royalties":0,"Occupancy":350004,"Travel":122843,"Conferences and meetings":29198,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":123018,"Insurance":72610,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1778015,"Commission/Field Expenses":901459,"Fraternal Activities":375490,"Post-Retirement Benefit Reserve":316260,"Deferred Compensation":184806},"All other expenses":141298},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":332156687,"Non-interest bearing cash":-482844,"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":774892,"Investments publicly traded":0,"Investments other":0,"Investments program related":326654691,"Intangible assets":0,"Other assets":5209948},"Liabilities":{"value":297654351,"Sum of Total Liabilities":0,"Accounts payable, accrued":897035,"Grants payable":0,"Deferred, revenue":15917,"Tax exempt bond liabilities":0,"Escrow account liability":73895,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":296667504},"Fund balance":{"value":34502336,"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":0.05475312233908241,"percentile":0.5354703252444271},"Liabilities to Assets Ratio":{"score":0.8961263242609353,"percentile":0.06530640755252502},"Operating Reserve Ratio":{"score":9.488856110643177,"percentile":0.8870079355183308},"Officer Compensation Ratio":{"score":0.036113747883012116,"percentile":0.8275600022856618},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.02103264973469216,"percentile":0.29322023791026},"Asset Growth":{"score":0.020573137095246795,"percentile":0.40623669160292886},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.483983561176328,"percentile":0.2836532721593526}},"source_xml":"201621339349304237_public.xml"},{"Organization":{"value":null,"Person":["Thomas R Johnson","Nancy Nelson Heykes","Maureen A O'Hern Hahn","John T McHugh Jr","Daniel L Shinnick","Steven G Reindl","Jenna M Dunker","Anne D Rogers","Nicolas O McCullick","Michelle M Maffet","Jared M Bruley","Eric D Garland","Becky L Helmberger","Jeff A Long","John E Rashke","George F Yanna"],"Title":["Independent Director","Independent Director","Independent Director","Independent Director","President/CEO","VP-Ops/SVP-Finance/Secretary/Treasurer","Treasurer/SVP-Market Development","Vice President - Fraternal","Assistant Ops. Manager/VP-Change Champions","Member Services Manager/VP-Member Services","SVP-Marketing & Sales","VP-Marketing/GM-Independent Agencies","District Manager-Dakotas Agency","GM of Agencies","Former Director","Former Director"],"Hours":[3.0,3.0,3.0,3.0,50.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0,0.0],"Total Compensation":[50110,48010,49585,50110,373631,300527,131193,168621,78701,76516,3600,182209,127767,147297,34625,128941],"Direct compensation":[50110,48010,49585,50110,315245,228361,105651,114093,72006,68313,3600,146420,103878,105233,34625,99856],"Other compensation":[0,0,0,0,58386,72166,25542,54528,6695,8203,0,35789,23889,42064,0,29085]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2018,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.nmblife.org","type":"990","affiliation":null,"foreign_countries":["Albania","Andorra","Anguilla","Antigua and Barbuda","Aruba","Australia","Austria","Bahamas","Barbados","Belarus","Belgium","Belize","Bermuda","Bosnia and Herzegovina","British Virgin Islands","Bulgaria","Canada","Caribbean Netherlands","Cayman Islands","China","Costa Rica","Croatia","Cuba","Curaçao","Cyprus","Czechia","Denmark","Dominica","Dominican Republic","El Salvador","Estonia","Faroe Islands","Finland","France","Germany","Gibraltar","Greece","Greenland","Grenada","Guadeloupe","Guatemala","Guernsey","Haiti","Honduras","Hong Kong","Hungary","Iceland","Indonesia","Ireland","Isle of Man","Italy","Jamaica","Japan","Jersey","Kosovo","Latvia","Liechtenstein","Lithuania","Luxembourg","Macau","Malaysia","Malta","Marshall Islands","Martinique","Mexico","Micronesia","Moldova","Monaco","Mongolia","Montenegro","Montserrat","Nauru","Netherlands","New Zealand","Nicaragua","Niue","North Korea","North Macedonia","Norway","Palau","Panama","Papua New Guinea","Philippines","Poland","Portugal","Puerto Rico","Romania","Russia","Saint Barthélemy","Saint Kitts and Nevis","Saint Lucia","Saint Martin","Saint Pierre and Miquelon","Saint Vincent and the Grenadines","Samoa","San Marino","Serbia","Sint Maarten","Slovakia","Slovenia","Solomon Islands","South Korea","Spain","Svalbard and Jan Mayen","Sweden","Switzerland","Taiwan","Tonga","Trinidad and Tobago","Turks and Caicos Islands","Tuvalu","Ukraine","United Kingdom","United States","United States Minor Outlying Islands","United States Virgin Islands","Vanuatu","Vatican City","Åland Islands"],"principal_officer":"Daniel L Shinnick","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":18314,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":105,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":105,"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":37820673,"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":37820673,"Total revenue":{"value":36818998,"Insurance Premiums":16918166,"Investment Income":16349187,"Realized Capital Gains":1613455,"Gains-Post Retirement Benefit Reserve":995478,"Change in Asset Valuation Reserve":942712},"Total other revenue":1001675,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":36028952,"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":25373213,"Benefits paid to members Total":25373213},"Salaries":{"value":5800861,"Current officers":1523656,"Disqualified persons":0,"Other salaries and wages":2755620,"Pension plan contributions":233900,"Other employee benefits":955734,"Payroll taxes":331951},"Other expenses":{"value":4854878,"Management services":0,"Legal":68708,"Accounting":293132,"Lobbying services":0,"Investment management fees":547157,"Other services":109451,"Advertising":40405,"Office expenses":686631,"Information technology":592064,"Royalties":0,"Occupancy":350004,"Travel":134741,"Conferences and meetings":74405,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":175568,"Insurance":78997,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1596621,"Commissions/Fieldworkers Expense":995092,"Fraternal Activities":348306,"Change in Non-Admitted Assets":178962,"Deferred Compensation Benefit Reserve":74261},"All other expenses":106994},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":342336050,"Non-interest bearing cash":-193994,"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":776822,"Investments publicly traded":0,"Investments other":0,"Investments program related":336551632,"Intangible assets":0,"Other assets":5201590},"Liabilities":{"value":307303255,"Sum of Total Liabilities":0,"Accounts payable, accrued":638316,"Grants payable":0,"Deferred, revenue":14602,"Tax exempt bond liabilities":0,"Escrow account liability":18066,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":306632271},"Fund balance":{"value":35032795,"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":0.047374117324670555,"percentile":0.5190524996642332},"Liabilities to Assets Ratio":{"score":0.8976654810382956,"percentile":0.06505670784765819},"Operating Reserve Ratio":{"score":9.501693249362345,"percentile":0.8871481868673406},"Officer Compensation Ratio":{"score":0.05416319075836566,"percentile":0.7366512221697475},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.005569355047248062,"percentile":0.3466057234750274},"Asset Growth":{"score":0.014910033164045815,"percentile":0.38244776099317407},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.479068319993923,"percentile":0.27220114939195655}},"source_xml":"201901299349302350_public.xml"},{"Organization":{"value":null,"Person":["Thomas R Johnson","Nancy Nelson Heykes","John E Rashke","Maureen A O'Hern Hahn","George F Yanna","Steven G Reindl","Jenna M Dunker","Anne D Rogers","Paul M Stadler","Donald Lohrentz","Darold A Treffert MD"],"Title":["Outside Director","Outside Director","Outside Director","Outside Director","President","Secretary/Vice President - Operations","Treasurer","Vice President - Fraternal","Vice President - Marketing","Former Outside Director","Former Outside Director"],"Hours":[2.0,2.0,2.0,2.0,40.0,40.0,40.0,40.0,40.0,0.0,0.0],"Total Compensation":[79234,74509,55458,86432,334428,262073,105990,194519,220407,27230,21384],"Direct compensation":[44550,39825,39825,44550,212966,133511,83571,79217,170944,27230,21384],"Other compensation":[34684,34684,15633,41882,121462,128562,22419,115302,49463,0,0]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2013,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.nmblife.org","type":"990","affiliation":null,"foreign_countries":["Albania","Andorra","Anguilla","Antigua and Barbuda","Aruba","Australia","Austria","Bahamas","Barbados","Belarus","Belgium","Belize","Bermuda","Bosnia and Herzegovina","British Virgin Islands","Bulgaria","Canada","Caribbean Netherlands","Cayman Islands","China","Costa Rica","Croatia","Cuba","Curaçao","Cyprus","Czechia","Denmark","Dominica","Dominican Republic","El Salvador","Estonia","Faroe Islands","Finland","France","Germany","Gibraltar","Greece","Greenland","Grenada","Guadeloupe","Guatemala","Guernsey","Haiti","Honduras","Hong Kong","Hungary","Iceland","Indonesia","Ireland","Isle of Man","Italy","Jamaica","Japan","Jersey","Kosovo","Latvia","Liechtenstein","Lithuania","Luxembourg","Macau","Malaysia","Malta","Marshall Islands","Martinique","Mexico","Micronesia","Moldova","Monaco","Mongolia","Montenegro","Montserrat","Nauru","Netherlands","New Zealand","Nicaragua","Niue","North Korea","North Macedonia","Norway","Palau","Panama","Papua New Guinea","Philippines","Poland","Portugal","Puerto Rico","Romania","Russia","Saint Barthélemy","Saint Kitts and Nevis","Saint Lucia","Saint Martin","Saint Pierre and Miquelon","Saint Vincent and the Grenadines","Samoa","San Marino","Serbia","Sint Maarten","Slovakia","Slovenia","Solomon Islands","South Korea","Spain","Svalbard and Jan Mayen","Sweden","Switzerland","Taiwan","Tonga","Trinidad and Tobago","Turks and Caicos Islands","Tuvalu","Ukraine","United Kingdom","United States","United States Minor Outlying Islands","United States Virgin Islands","Vanuatu","Vatican City","Åland Islands"],"principal_officer":"George F Yanna","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":22224,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":114,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":114,"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":38634202,"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":38634202,"Total revenue":{"value":38319804,"Insurance Premiums":19544162,"Investment Income":16479240,"Realized Capital Gains":1560127,"Gains-Post-Retirement Benefit Reserve":443855,"Commission Reinsurance Ceded":292420},"Total other revenue":314398,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":35819040,"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":25398006,"Benefits paid to members Total":25398006},"Salaries":{"value":5307954,"Current officers":1420010,"Disqualified persons":0,"Other salaries and wages":2400225,"Pension plan contributions":233964,"Other employee benefits":918901,"Payroll taxes":334854},"Other expenses":{"value":5113080,"Management services":0,"Legal":308162,"Accounting":210297,"Lobbying services":0,"Investment management fees":466188,"Other services":131713,"Advertising":45794,"Office expenses":533485,"Information technology":351527,"Royalties":0,"Occupancy":350004,"Travel":119373,"Conferences and meetings":18172,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":153385,"Insurance":74003,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2264142,"Commission/Field Expense":1203037,"Deferred Compensation Benefit Reserve":418368,"Fraternal Expenses":372292,"Change in AVR":270445},"All other expenses":86835},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":318746371,"Non-interest bearing cash":-326338,"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":2172807,"Investments publicly traded":0,"Investments other":0,"Investments program related":312203734,"Intangible assets":0,"Other assets":4696168},"Liabilities":{"value":286444065,"Sum of Total Liabilities":0,"Accounts payable, accrued":885159,"Grants payable":0,"Deferred, revenue":15640,"Tax exempt bond liabilities":0,"Escrow account liability":57296,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":285485970},"Fund balance":{"value":32302306,"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":0.07286709325586692,"percentile":0.5730947551286726},"Liabilities to Assets Ratio":{"score":0.8986582783714265,"percentile":0.06488382306430494},"Operating Reserve Ratio":{"score":8.898797148108939,"percentile":0.8803831812360671},"Officer Compensation Ratio":{"score":0.04080690046411071,"percentile":0.8031840050558058},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5186416313592762,"percentile":0.36978107476967265}},"source_xml":"201431349349305573_public.xml"},{"Organization":{"value":null,"Person":["Daniel L Shinnick","Steven G Reindl","Jared M Bruley","Anne D Rogers","Becky L Helmberger","Eric D Garland","Jenna M Dunker","George F Yanna","Kent L Stadler","Michelle M Maffet","Nicolas O McCullick","John T McHugh Jr","Maureen A O'Hern Hahn","Thomas R Johnson","Nancy Nelson Heykes","John E Rashke"],"Title":["President/CEO","SVP-Finance/Secretary/Treasurer","SVP-Marketing & Sales","Vice President - Fraternal","District Manager-Dakotas Agency","GM-Independent Agencies","SVP-Market Development","Former Director","District Manager-Wisconsin River Agency","VP-Member Services","VP-Change Champions","Independent Director","Independent Director","Independent Director","Independent Director","Former Director"],"Hours":[50.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0,40.0,40.0,40.0,3.0,3.0,3.0,3.0,0.0],"Total Compensation":[432012,312406,202863,177154,146942,133881,132154,126555,120981,89654,86945,81310,44990,43940,42890,34625],"Direct compensation":[357913,236822,159514,120057,108913,111607,109187,100822,112019,80477,79639,46040,44990,43940,42890,34625],"Other compensation":[74099,75584,43349,57097,38029,22274,22967,25733,8962,9177,7306,35270,0,0,0,0]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2019,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.nmblife.org","type":"990","affiliation":null,"foreign_countries":["Albania","Andorra","Anguilla","Antigua and Barbuda","Aruba","Australia","Austria","Bahamas","Barbados","Belarus","Belgium","Belize","Bermuda","Bosnia and Herzegovina","British Virgin Islands","Bulgaria","Canada","Caribbean Netherlands","Cayman Islands","China","Costa Rica","Croatia","Cuba","Curaçao","Cyprus","Czechia","Denmark","Dominica","Dominican Republic","El Salvador","Estonia","Faroe Islands","Finland","France","Germany","Gibraltar","Greece","Greenland","Grenada","Guadeloupe","Guatemala","Guernsey","Haiti","Honduras","Hong Kong","Hungary","Iceland","Indonesia","Ireland","Isle of Man","Italy","Jamaica","Japan","Jersey","Kosovo","Latvia","Liechtenstein","Lithuania","Luxembourg","Macau","Malaysia","Malta","Marshall Islands","Martinique","Mexico","Micronesia","Moldova","Monaco","Mongolia","Montenegro","Montserrat","Nauru","Netherlands","New Zealand","Nicaragua","Niue","North Korea","North Macedonia","Norway","Palau","Panama","Papua New Guinea","Philippines","Poland","Portugal","Puerto Rico","Romania","Russia","Saint Barthélemy","Saint Kitts and Nevis","Saint Lucia","Saint Martin","Saint Pierre and Miquelon","Saint Vincent and the Grenadines","Samoa","San Marino","Serbia","Sint Maarten","Slovakia","Slovenia","Solomon Islands","South Korea","Spain","Svalbard and Jan Mayen","Sweden","Switzerland","Taiwan","Tonga","Trinidad and Tobago","Turks and Caicos Islands","Tuvalu","Ukraine","United Kingdom","United States","United States Minor Outlying Islands","United States Virgin Islands","Vanuatu","Vatican City","Åland Islands"],"principal_officer":"Daniel L Shinnick","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":17977,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":105,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":105,"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":36172507,"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":36172507,"Total revenue":{"value":35441470,"Insurance Premiums":18221608,"Investment Income":16022687,"Realized Capital Gains":593223,"Gains-PostRetirement Benefit Res.":347385,"Amortization of IMR":256567},"Total other revenue":731037,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":35733683,"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":24892411,"Benefits paid to members Total":24892411},"Salaries":{"value":5876423,"Current officers":1621555,"Disqualified persons":0,"Other salaries and wages":2904979,"Pension plan contributions":268401,"Other employee benefits":727364,"Payroll taxes":354124},"Other expenses":{"value":4964849,"Management services":0,"Legal":37742,"Accounting":272038,"Lobbying services":0,"Investment management fees":559719,"Other services":148116,"Advertising":74293,"Office expenses":497022,"Information technology":503629,"Royalties":0,"Occupancy":350004,"Travel":111042,"Conferences and meetings":40152,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":231887,"Insurance":80733,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1962099,"Commissions/Fieldworkers Expense":1154696,"Fraternal Activities":320391,"Deferred Compensation Benefit Reserve":300317,"Change in Non-Admitted Assets":186695},"All other expenses":96373},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":344960028,"Non-interest bearing cash":-253444,"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":706362,"Investments publicly traded":0,"Investments other":0,"Investments program related":339524298,"Intangible assets":0,"Other assets":4982812},"Liabilities":{"value":307487196,"Sum of Total Liabilities":0,"Accounts payable, accrued":637712,"Grants payable":0,"Deferred, revenue":16419,"Tax exempt bond liabilities":0,"Escrow account liability":18066,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":306814999},"Fund balance":{"value":37472832,"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":0.012131423459258713,"percentile":0.4309697047636497},"Liabilities to Assets Ratio":{"score":0.8913705097449726,"percentile":0.06606882125352119},"Operating Reserve Ratio":{"score":9.653637661698628,"percentile":0.8886883245197957},"Officer Compensation Ratio":{"score":0.06182687633961492,"percentile":0.700936779473194},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.008039859836594774,"percentile":0.3372212334725049},"Asset Growth":{"score":0.012901000889658162,"percentile":0.37391945277973954},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.45900869070908196,"percentile":0.22939702818764082}},"source_xml":"202001899349301235_public.xml"},{"Organization":{"value":null,"Person":["Thomas R Johnson","Nancy Nelson Heykes","Maureen A O'Hern Hahn","John T McHugh Jr","George F Yanna","Steven G Reindl","Jenna M Dunker","Anne D Rogers","Eric D Garland","John E Rashke"],"Title":["Independent Director","Independent Director","Independent Director","Independent Director","President","Secretary/Vice President - Operations","Treasurer","Vice President - Fraternal","Vice President - Marketing","Former Director"],"Hours":[3.0,3.0,3.0,3.0,40.0,40.0,40.0,40.0,40.0,0.0],"Total Compensation":[47125,45550,49225,47125,297674,238002,117533,163652,188296,34625],"Direct compensation":[47125,45550,49225,47125,250246,177881,97417,110670,147257,34625],"Other compensation":[0,0,0,0,47428,60121,20116,52982,41039,0]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2016,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.nmblife.org","type":"990","affiliation":null,"foreign_countries":["Albania","Andorra","Anguilla","Antigua and Barbuda","Aruba","Australia","Austria","Bahamas","Barbados","Belarus","Belgium","Belize","Bermuda","Bosnia and Herzegovina","British Virgin Islands","Bulgaria","Canada","Caribbean Netherlands","Cayman Islands","China","Costa Rica","Croatia","Cuba","Curaçao","Cyprus","Czechia","Denmark","Dominica","Dominican Republic","El Salvador","Estonia","Faroe Islands","Finland","France","Germany","Gibraltar","Greece","Greenland","Grenada","Guadeloupe","Guatemala","Guernsey","Haiti","Honduras","Hong Kong","Hungary","Iceland","Indonesia","Ireland","Isle of Man","Italy","Jamaica","Japan","Jersey","Kosovo","Latvia","Liechtenstein","Lithuania","Luxembourg","Macau","Malaysia","Malta","Marshall Islands","Martinique","Mexico","Micronesia","Moldova","Monaco","Mongolia","Montenegro","Montserrat","Nauru","Netherlands","New Zealand","Nicaragua","Niue","North Korea","North Macedonia","Norway","Palau","Panama","Papua New Guinea","Philippines","Poland","Portugal","Puerto Rico","Romania","Russia","Saint Barthélemy","Saint Kitts and Nevis","Saint Lucia","Saint Martin","Saint Pierre and Miquelon","Saint Vincent and the Grenadines","Samoa","San Marino","Serbia","Sint Maarten","Slovakia","Slovenia","Solomon Islands","South Korea","Spain","Svalbard and Jan Mayen","Sweden","Switzerland","Taiwan","Tonga","Trinidad and Tobago","Turks and Caicos Islands","Tuvalu","Ukraine","United Kingdom","United States","United States Minor Outlying Islands","United States Virgin Islands","Vanuatu","Vatican City","Åland Islands"],"principal_officer":"George F Yanna","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":48982,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":106,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":106,"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":37086570,"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":37086570,"Total revenue":{"value":36881847,"Insurance Premiums":19301119,"Investment Income":16737390,"Realized Capital Gains":359404,"Commission on Reinsurance Ceded":269714,"Rent Income":214220},"Total other revenue":204723,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":36800560,"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":26485564,"Benefits paid to members Total":26485564},"Salaries":{"value":5143629,"Current officers":1236884,"Disqualified persons":0,"Other salaries and wages":2659596,"Pension plan contributions":213287,"Other employee benefits":710116,"Payroll taxes":323746},"Other expenses":{"value":5171367,"Management services":0,"Legal":27474,"Accounting":222832,"Lobbying services":0,"Investment management fees":542011,"Other services":124548,"Advertising":62770,"Office expenses":526763,"Information technology":372799,"Royalties":0,"Occupancy":350004,"Travel":121788,"Conferences and meetings":37059,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":129020,"Insurance":79005,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2334247,"Commissions/Fieldworkers Expense":899601,"Change in non-admitted assets":798209,"Fraternal Activities":397653,"Change in Asset Valuation Reserve":238784},"All other expenses":241047},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":337933080,"Non-interest bearing cash":-385233,"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":719209,"Investments publicly traded":0,"Investments other":0,"Investments program related":332507484,"Intangible assets":0,"Other assets":5091620},"Liabilities":{"value":302101646,"Sum of Total Liabilities":0,"Accounts payable, accrued":570023,"Grants payable":0,"Deferred, revenue":14453,"Tax exempt bond liabilities":0,"Escrow account liability":74966,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":301442204},"Fund balance":{"value":35831434,"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":0.00771195610702203,"percentile":0.41851362194266223},"Liabilities to Assets Ratio":{"score":0.893968847323263,"percentile":0.06565955135169681},"Operating Reserve Ratio":{"score":9.182824391802733,"percentile":0.8836673666435003},"Officer Compensation Ratio":{"score":0.03339098644151067,"percentile":0.841944531676196},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.016305561184688355,"percentile":0.30829169525828487},"Asset Growth":{"score":0.019112605391066535,"percentile":0.40009650033489147},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.46388988210747695,"percentile":0.23949225489327516}},"source_xml":"201731309349302323_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Daniel L Shinnick","Steven G Reindl","Jared M Bruley","Anne D Rogers","Eric D Garland","Jenna M Dunker","Brian M Passehl","Michelle M Maffet","George F Yanna","Nicolas O McCullick","John T McHugh Jr","Ellie H Roekle","Maureen A O'Hern Hahn","Nancy Nelson Heykes","Thomas R Johnson","John E Rashke","Angel L Thomas","Susan Sachatello"],"Title":["President/CEO","SVP-Finance/Secretary/Treasurer","SVP-Member Acquisition","Vice President - Fraternal","GM-Independent Agencies","SVP-Market Development","Sales Director","VP-Member Services","Former Director","VP-Change Champions","Independent Director","VP-Human Resources","Independent Director","Independent Director","Independent Director","Former Director","SVP-Member Experience","VP-Member Engagement"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0,40.0,3.0,40.0,3.0,3.0,3.0,0.0,40.0,40.0],"Total Compensation":[481349,317699,222001,211977,164861,137666,120952,112340,108511,104108,93393,57575,48928,48403,48140,34625,22664,1923],"Direct compensation":[390087,257491,176904,135267,138211,114291,111993,101008,96275,95532,49453,44978,48928,48403,48140,34625,20985,1923],"Other compensation":[91262,60208,45097,76710,26650,23375,8959,11332,12236,8576,43940,12597,0,0,0,0,1679,0]},"Basic":{"value":null,"mission":"Fraternal benefit society - as a fraternal benefit insurance society, our mission is to provide meaningful fraternal programs and benefits for our members as well as high quality insurance products and services. we strengthen our members fraternally through charitable, educational and volunteer programs that encourage family values, help improve communities, support patriotism for our country and help others in need.","year":2020,"name":"NATIONAL MUTUAL BENEFIT","phone":6088331936,"website":"www.betterlifeins.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Daniel L Shinnick","year_formation":1916,"state_legal_domicile":"WI","total_volunteers":3548,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"6522 Grand Teton Plaza, Madison, WI, 537192912, USA","city":"Madison","state":"WI","country":"USA","zip_code":537192912},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":105,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":105,"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":36708977,"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":36708977,"Total revenue":{"value":35930222,"Insurance Premiums":17388156,"Investment Income":15170377,"Change in Non-Admitted Assets":2145472,"Realized Capital Gains":915843,"Amortization of IMR":310374},"Total other revenue":778755,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"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":38443654,"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":24363057,"Benefits paid to members Total":24363057},"Salaries":{"value":5658744,"Current officers":1920164,"Disqualified persons":0,"Other salaries and wages":2649352,"Pension plan contributions":246405,"Other employee benefits":508540,"Payroll taxes":334283},"Other expenses":{"value":8421853,"Management services":0,"Legal":58372,"Accounting":277060,"Lobbying services":0,"Investment management fees":567969,"Other services":97920,"Advertising":117219,"Office expenses":1174692,"Information technology":1132126,"Royalties":0,"Occupancy":350004,"Travel":88149,"Conferences and meetings":39704,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2225220,"Insurance":84901,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2130409,"Commissions/Fieldworkers Expense":1010548,"Fraternal Activities":492779,"Deferred Compensation Benefit Reserve":392935,"Change in Asset Valuation Reserve":234147},"All other expenses":78108},"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":-0.0472548445030217,"percentile":0.2895123157638802},"Liabilities to Assets Ratio":{"score":null,"percentile":null},"Operating Reserve Ratio":{"score":0.0,"percentile":0.01998217959084195},"Officer Compensation Ratio":{"score":0.06079325862208623,"percentile":0.7056741554650516},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.007214017760504851,"percentile":0.34031906706074805},"Asset Growth":{"score":-0.08540876122692712,"percentile":0.11742930060807547},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3825463783816607,"percentile":0.09537529425246026}},"source_xml":"202101319349301585_public.xml"},"sector":"Mutual/Membership Benefit","donation_categories":[],"zakat_policy":null},"error":null}