ACADEMY OF LIFE UNDERWRITING (EIN 455087087) - Form 990 Financial Analysis & Trantor Score

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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

2012

Legal Domicile

Principal Officer

ANN DAY

Phone

2024953130

Tax Period

2025-07-01 to 2025-12-31

ACADEMY OF LIFE UNDERWRITING, founded in 2012, is a small nonprofit in the Community Improvement sector that reported $184K in total revenue in fiscal year 2025. Revenue fell 72% from the prior year — a significant decline worth monitoring. Expenses of $215K exceeded revenue, resulting in a 17% operating deficit.

Mission

ACADEMY OF LIFE UNDERWRITING IS ORGANIZED TO ESTABLISH AND ADMINISTER (SEE SCHEDULE O)PROFESSIONAL EDUCATION, CERTIFICATION, AND CREDENTIALING PROGRAMS IN THE FIELD OF LIFE INSURANCE UNDERWRITING, AND TO IMPROVE AND ENHANCE BUSINESS CONDITIONS IN THE LIFE INSURANCE UNDERWRITING INDUSTRY.

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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 $0

Program Service Revenue $179,466

Investment Income $4,452

Other Revenue $90

TOTAL REVENUE $184,008

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $215,261

TOTAL EXPENSES $215,261

Year-over-Year Comparison

	2025	2024	Change
Revenue	$184,008	$651,625	-0.7%
Expenses	$215,261	$564,220	-0.6%
Net Income	$-31,253	$87,405	-1.4%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANN DAY	PRESIDENT	15.00	Officer Director	$0	$0	$0
JODI MCDONALD	CHAIR	15.00	Officer Director	$0	$0	$0
MARK LOUNDS	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER DAHL	BOARD MEMBER	1.00	Director	$0	$0	$0
BONNIE STRODER	BOARD MEMBER	1.00	Director	$0	$0	$0

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	$184,008	$215,261	$538,262	$-31,253
2025	$651,625	$564,220	$567,371	$87,405
2024	$543,443	$651,232	$475,726	$-107,789
2023	$549,725	$596,034	$576,263	$-46,309
2022	$484,298	$492,287	$619,142	$-7,989
2021	$391,119	$659,663	$639,330	$-268,544
2020	$527,289	$575,662	$907,874	$-48,373
2019	$513,687	$599,986	$956,247	$-86,299

ACADEMY OF LIFE UNDERWRITING