OREGON LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION

EIN: 930884418

MERIDIAN, ID

Total Revenue
$2,736,751
Total Expenses
$8,186,759
Total Assets
$9,731,017
Net Assets
$9,730,699
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1975
Legal Domicile
OR
Principal Officer
Candie Kinch
Phone
8553789510
Tax Period
2025-01-01 to 2025-12-31

OREGON LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION, founded in 1975, is a community nonprofit that reported $2.7M in total revenue in fiscal year 2025. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $8.2M exceeded revenue, resulting in a 199% operating deficit.

Mission

To provide protection to Oregon resident policyholders and their beneficiaries in the event of the insolvency of the insurance company that issued their life health or annuity insurance policy.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,389,769
Investment Income $346,982
Other Revenue $0
TOTAL REVENUE $2,736,751

Expense Breakdown

Grants Paid $0
Salaries & Benefits $104,400
Fundraising Expenses $0
Program Expenses $7,909,040
Other Expenses $173,319
TOTAL EXPENSES $8,186,759

Year-over-Year Comparison

2025 2024 Change
Revenue $2,736,751 $10,873,217 -0.7%
Expenses $8,186,759 $279,100 +28.3%
Net Income $-5,450,008 $10,594,117 -1.5%
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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Governance

Voting Members
6
Independent Members
6
Employees
N/A
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
3
$104,400
Total Directors
0
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Farmers New World Life Ins co Director 0.50
$0 $0 $0
Pacific Life Insurance Co Director 0.50
$0 $0 $0
Prudential Insurance Co of America Director 0.50
$0 $0 $0
Standard Insurance Company Director 0.50
$0 $0 $0
State Farm Life Ins Co Director 0.50
$0 $0 $0
Northwestern Mutual Life Ins Co Director 0.50
$0 $0 $0
Candie Kinch Executive Director 40.00
Officer
$104,400 $0 $104,400
Justin Delaney Chairman of the Board of Directors 1.00
Officer
$0 $0 $0
Ryan Fleming Secretary Treasurer of the Board 1.00
Officer
$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 $2,736,751 $8,186,759 $9,731,017 $-5,450,008
2024 $10,873,217 $279,100 $15,180,707 $10,594,117
2023 $955,307 $898,596 $4,595,275 $56,711
2022 $319,937 $254,430 $4,529,879 $65,507
2021 $334,126 $239,680 $4,464,372 $94,446
2020 $1,600,043 $5,959,510 $4,369,926 $-4,359,467
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