GBU Life
Legal name: GBU Financial Life
Nonprofit profile at a glance
- EIN
- 250502660
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Pittsburgh, PA, United States
- Phone
- 800.765.4428
- Rating confidence
- Limited
Reported finances
- Revenue
- $1,006,212,483
- Expenses
- $990,802,924
- Assets
- $4,729,123,178
- Liabilities
- $4,414,691,813
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
21 people listed
Executive titles in this filing
- WILLIAM W HUNT (CEO / PRESIDENT)
Highest reported compensation
- WILLIAM W HUNT (CEO / PRESIDENT): $1,006,313 total reported compensation
- LESLEY MANN (EVP / CHIEF MARKETING OFFICER): $606,566 total reported compensation
- MARK CLOUTIER (EVP / CHIEF FINANCIAL OFFICER): $536,315 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Giving back is at the heart of GBU Life. To elevate GBU Life into a leading insurance provider known for delivering an exceptional customer experience while being a trusted partner providing innovative product solutions, meaningful member benefits and driving positive community impact and member engagement across all generations Mission Strengthen and protect the financial well-being of our members and help support their communities. Strengthen and protect the financial well-being of our members and help support their communities Values.
What it reported doing in 2024
Life insurance, annuities, fraternal activities and other benefits to members of the society.
Operating model
- Revenue model
- Other-operating. 79% of the money available for current operations came from other operating 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: 73
- Accountability: 93
- Sustainability: 55
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 91.7%; rating input score 92; 8th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Yes; rating input score 100
Accountability
- Independent voting board: 87.5%; rating input score 88; 34th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 1.5%; rating input score 40; 40th percentile among comparable filings
- Total-asset coverage ratio: 4.77; rating input score 84; 84th percentile among comparable filings
- Liabilities to assets ratio: 0.93; rating input score 10; 10th percentile among comparable filings
- Officer compensation ratio: 0.5%; rating input score 84; 84th percentile among comparable filings
Growth
- Program expense growth: -5.3% per year; rating input score 0; 2nd percentile among comparable filings
- Revenue growth: 10.6% per year; rating input score 100; 79th percentile among comparable filings
- Asset growth: 11.5% per year; rating input score 100; 76th percentile among comparable filings
Details
- What they do: 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 7 of 8 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $1M · 21 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $2.7M reported
- Consistency: 13 of 15 current checks pass · 2 findings to review
- Schedules: 4 filed schedules · includes executive pay and related organizations
- Filing history: 13 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 21 filed money-flow records
- Related organizations: 1 filed related-organization link
- 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Growth: Program expense growth scored 0/100.
- Moderate — Sustainability: Operating margin scored 40/100.
- Moderate — Transparency & Controls: Fund balance restriction sum did not reconcile in the filed values.
- Review — Transparency & Controls: Schedule G fundraiser detail did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 10/100.