NEVADA LIFE & HEALTH INSURANCE GUARANTY ASSOCIATION

EIN: 942428532

ROSEVILLE, CA

Total Revenue
$7,099,089
Total Expenses
$5,444,898
Total Assets
$17,893,164
Net Assets
$17,560,131
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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
1975
Legal Domicile
NV
Principal Officer
Todd Thakar
Phone
9166311581
Tax Period
2024-01-01 to 2024-12-31

NEVADA LIFE & HEALTH INSURANCE GUARANTY ASSOCIATION, founded in 1975, is a community nonprofit that reported $7.1M in total revenue in fiscal year 2024. Revenue fell 57% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $1.7M, a strong 23% operating margin.

Mission

The purpose of the Nevada Life and Health Insurance Guaranty Association is to protect policyholders against the failure in the performance of contractual obligations under life, health and annuity policies because of the impairment or insolvency of insurer that issued their policy.

Program Service Accomplishments

Program 1

The Nevada Life and Health Insurance Guaranty Association's purpose is to protect policy owners, insureds, beneficiaries, annuitants, payees and assignees of life insurance policies, health insurance...

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The Nevada Life and Health Insurance Guaranty Association's purpose is to protect policy owners, insureds, beneficiaries, annuitants, payees and assignees of life insurance policies, health insurance policies, annuity contracts and supplemental contracts, subject to limitations provided by Nevada state law, in the event of the failure of the issuing insurance company. This activity is the Association's only program service and constitutes 100% of the Association's time. In 2024 the Association provided policyholder benefits to Nevada resident insureds of five insolvent insurers. The Association also provided support to insurance company receivers, former insureds, etc., of a number of other insolvencies.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $6,646,600
Investment Income $452,489
Other Revenue $0
TOTAL REVENUE $7,099,089

Expense Breakdown

Grants Paid $0
Salaries & Benefits $597,184
Fundraising Expenses $0
Program Expenses $0
Other Expenses $427,108
TOTAL EXPENSES $5,444,898

Year-over-Year Comparison

2024 2023 Change
Revenue $7,099,089 $16,510,931 -0.6%
Expenses $5,444,898 $10,017,470 -0.5%
Net Income $1,654,191 $6,493,461 -0.7%
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

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Governance

Voting Members
10
Independent Members
10
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
$478,719
Total Directors
2
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Todd Thakar The Thakar Group Executive Director 40
Officer
$478,719 $0 $478,719
Jack Kim Director, Chairman of the Board 1
Officer Director
$0 $0 $0
Dana Bennett Director 0.1
Director
$0 $0 $0
N/A Director 0.1
$0 $0 $0
N/A Director 0.1
$0 $0 $0
N/A Director 0.1
$0 $0 $0
N/A Director 0.1
$0 $0 $0
N/A Director 0.1
$0 $0 $0
N/A Director 0.1
$0 $0 $0
N/A Director 0.1
$0 $0 $0
N/A Director 0.1
$0 $0 $0
Eric DuPont Vice Chairman of the Board of Directors 1
$0 $0 $0
Kenneth Whitehair Secretary/Treasurer 1
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 No data No data No data No data
2024 $7,099,089 $5,444,898 $17,893,164 $1,654,191
2023 $16,510,931 $10,017,470 $16,551,179 $6,493,461
2022 $131,195 $359,159 $9,428,362 $-227,964
2021 $445,659 $303,156 $9,640,958 $142,503
2020 $374,979 $329,114 $9,521,919 $45,865
2019 $513,994 $538,851 $9,449,434 $-24,857
2018 $720,830 $380,769 $9,443,799 $340,061
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