ASSURANCE FOR LIFE INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1984

Legal Domicile

Principal Officer

RANDY HARDMAN

Phone

8592788469

Tax Period

2025-01-01 to 2025-12-31

ASSURANCE FOR LIFE INC, founded in 1984, is a small nonprofit in the Civil Rights & Advocacy sector that reported $855K in total revenue in fiscal year 2025.

Mission

MISSION: TO EMPOWER INDIVIDUALS TO CONSIDER BENEFICIAL OPTIONS FOR PREGNANCY AND SEXUAL HEALTH

Program Service Accomplishments

Program 1

Expenses: $644,431 Revenue: $1,375

VISION: ENABLING POSITIVE CHOICES REGARDING SEXUAL, EMOTIONAL AND SPIRITUAL HEALTH.MISSION: TO EMPOWER INDIVIDUALS TO CONSIDER BENEFICIAL OPTIONS FOR PREGNANCY AND SEXUAL HEALTH.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $462,929

Program Service Revenue $0

Investment Income $22,927

Other Revenue $369,242

TOTAL REVENUE $855,098

Expense Breakdown

Grants Paid $0

Salaries & Benefits $712,667

Fundraising Expenses $106,900

Program Expenses $644,431

Other Expenses $153,995

TOTAL EXPENSES $866,662

Year-over-Year Comparison

	2025	2024	Change
Revenue	$855,098	$814,372	+0.1%
Expenses	$866,662	$975,289	-0.1%
Net Income	$-11,564	$-160,917	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$84,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE WILEY	CHAIRMAN	1.00	Officer Director	$0	$0	$0
DAVID FULTZ	VICE CHAIR	1.00	Officer Director	$0	$0	$0
KETURAH JOHNSON	SECRETARY	1.00	Officer Director	$0	$0	$0
GLENN NORVELL	TREASURER	1.00	Officer Director	$0	$0	$0
STEVE PRUITT	DIRECTOR	1.00	Director	$0	$0	$0
CARLY LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
DAMON SEXTON	DIRECTOR	1.00	Director	$0	$0	$0
KIM LIVESAY	DIRECTOR	1.00	Director	$0	$0	$0
TAMI LEE	DIRECTOR	1.00	Director	$0	$0	$0
ABBY LAUB	DIRECTOR	1.00	Director	$0	$0	$0
ANNA HOGAN	DIRECTOR	1.00	Director	$0	$0	$0
TRACY KERN	DIRECTOR	1.00	Director	$0	$0	$0
DR ELIZABETH SHAWN CAMPBELL	DIRECTOR	1.00	Director	$0	$0	$0
JOHN BILLINGS	DIRECTOR	1.00	Director	$0	$0	$0
RANDY HARDMAN	EXECUTIVE DIRECTOR	40.00	Officer	$84,250	$0	$84,250

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$855,098	$866,662	$638,615	$-11,564
2024	$814,372	$975,289	$650,179	$-160,917
2023	$795,942	$913,486	$811,096	$-117,544
2022	$853,109	$774,085	$928,640	$79,024
2021	$678,005	$665,876	$849,616	$12,129
2020	$949,167	$582,563	$837,487	$366,604
2019	$629,190	$596,454	$470,883	$32,736
2018	$554,916	$548,531	$449,320	$6,385