Association of Home Office Underwriters

Nonprofit profile at a glance

EIN
522305267
IRS 990 coverage
2011–2025
Forms available
Form 990 2025
Location
Washington, DC, USA
Phone
2029620167
Rating confidence
Limited
Sector
Boards of Trade

Official website

Reported finances

Revenue
$1,544,457
Expenses
$1,348,235
Assets
$2,324,001
Liabilities
$308,348

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

18 people listed

Executive titles in this filing

  • CARRIE HOFFMAN (EXECUTIVE DIRECTOR)
  • KIMBERLEY WATERFIELD (PRESIDENT)
  • CATIE MUCCIGROSSO (EXECUTIVE VICE PRESIDENT)

People named in this filing

  • CARRIE HOFFMAN (EXECUTIVE DIRECTOR)
  • KIMBERLEY WATERFIELD (PRESIDENT)
  • CATIE MUCCIGROSSO (EXECUTIVE VICE PRESIDENT)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Ahou is an association dedicated to advancing the underwriting profession, the education that helps support it, as well as the careers of those who work within our industry. Ahou believes in (see schedule o)helping underwriters further their understanding of mortality, morbidity and risk management in order to advance their careers. Ahou exists to promote knowledge of mortality, morbidity and risk management through networking and educational opportunities.

What it reported doing in 2025

Dedicating itself to the sharing of information and promotion of connectivity across the industry with the goal to reach as many insurance professionals responsible for risk assessment. Ahou has 3,114 members. In addition, ahou organizes and directs an annual conference which addresses the major areas of risk selection within the life, health, and living benefits insurance industry and encourages the exchange of views and opinions among its members. Ahou also has an educational program of podcasts and webinars.

Operating model

Revenue model
Earned-program. 96% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 93
  • Accountability: 88
  • Sustainability: 59
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 78th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 5 of 7 controls in place; rating input score 71
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 12.7%; rating input score 61; 61st percentile among comparable filings
  • Total-asset coverage ratio: 1.72; rating input score 60; 60th percentile among comparable filings
  • Liabilities to assets ratio: 0.13; rating input score 31; 31st percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 78; 78th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 3.7% per year; rating input score 100; 30th percentile among comparable filings
  • Asset growth: 8.2% per year; rating input score 100; 49th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 13 of 13 board members independent · 5 of 7 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $0 · 18 people listed
  • Highest-paid contractors: 4 contractors listed · $1M reported
  • Consistency: 11 of 11 current checks pass
  • Schedules: 4 filed schedules · includes grants
  • Filing history: 12 filing years from 2011 to 2025
  • Contacts: How to reach this organization
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • Moderate — Sustainability: Liabilities to assets ratio scored 31/100.