TEXAS ASSOCIATION OF LIFE & HEALTHINSURERS (EIN 746062228) - 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

1997

Legal Domicile

Principal Officer

JENNIFER CAWLEY

Phone

5124726886

Tax Period

2024-01-01 to 2024-12-31

TEXAS ASSOCIATION OF LIFE & HEALTHINSURERS, founded in 1997, is a small nonprofit that reported $918K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

TEXAS ASSOCIATION OF LIFE AND HEALTH INSURERS SERVES AS A VOICE OF ITS MEMBERS AND THE 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $904,028

Investment Income $12,620

Other Revenue $1,661

TOTAL REVENUE $918,309

Expense Breakdown

Grants Paid $0

Salaries & Benefits $456,097

Fundraising Expenses $0

Other Expenses $497,312

TOTAL EXPENSES $953,409

Year-over-Year Comparison

	2024	2023	Change
Revenue	$918,309	$815,788	+0.1%
Expenses	$953,409	$461,109	+1.1%
Net Income	$-35,100	$354,679	-1.1%

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

N/A

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

$341,337

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER CAWLEY	PRESIDENT & CEO	40.00	Officer	$317,002	$24,335	$341,337
MICHAEL HICKEY	CHAIR	5.00	Officer Director	$0	$0	$0
TED KENNEDY ESQ	VICE CHAIR	5.00	Officer Director	$0	$0	$0
DAVID ROSE	IMMEDIATE PAST CHAIR	5.00	Officer Director	$0	$0	$0
BRENT THOMPSON	SECRETARY	5.00	Officer Director	$0	$0	$0
SKIP BRAZIEL	TREASURER	5.00	Officer Director	$0	$0	$0
APRIL BEGGS	DIRECTOR	5.00	Director	$0	$0	$0
KEVIN MATULA	DIRECTOR	5.00	Director	$0	$0	$0
ERIC DUPONT	DIRECTOR	5.00	Director	$0	$0	$0
CHRISTINE GALAMB	DIRECTOR	5.00	Director	$0	$0	$0
RACHEL GIANI	DIRECTOR	5.00	Director	$0	$0	$0
LISA HOLLAND	DIRECTOR	5.00	Director	$0	$0	$0
TYLER LAUGHLIN	DIRECTOR	5.00	Director	$0	$0	$0
SUZANNE LOOMIS	DIRECTOR	5.00	Director	$0	$0	$0
DWAYNE MCGRAW	DIRECTOR	5.00	Director	$0	$0	$0
KYLE MCGREGOR	DIRECTOR	5.00	Director	$0	$0	$0
KAJ SAMSOM	DIRECTOR	5.00	Director	$0	$0	$0
MOHANA TERRY	DIRECTOR	5.00	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
2024	$918,309	$953,409	$428,284	$-35,100
2023	$815,788	$937,399	$964,635	$-121,611
2022	$815,065	$871,326	$530,851	$-56,261
2021	$809,720	$805,640	$605,118	$4,080
2020	$846,258	$775,324	$579,753	$70,934
2019	$860,455	$822,378	$559,157	$38,077
2018	$867,521	$778,746	$467,472	$88,775

TEXAS ASSOCIATION OF LIFE & HEALTHINSURERS