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Womans Life Insurance Society

Organization summary

Type of Nonprofit

Designated as a Fraternal beneficiary societies and associations, which provide payment of life, sickness, accident or other benefits to members.

Donations to this organization are tax deductible.

Summary charts: organization finances over time

Revenue
$24.6M (2023)

Expenses
$25.9M (2023)

Total Assets
$198M (2023)

Total Liabilities
$185M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$24,625,783
Expenses
$25,936,534
Net Income
-$1,310,751
Net Assets
$12,530,057
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,086,807
61.3%
Investment Income $9,124,726
37.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $402,000
1.6%
Net Fundraising $0
Sales of Assets $12,250
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $707,914
2.7%
Professional Fundraising Fees $0
Other Salaries and Wages $2,102,246
8.1%
Assets/Debt
Total Assets $197,733,256
Total Liabilities $185,203,199
Net Assets $12,530,057
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $263,993 $0 $26,485
Nicholas J Radosta (Dir, Sales & Agency Development) $166,548 $0 $20,396
Janet J Carmody (National Secretary) $145,505 $0 $20,662
Julie L Jagoda (National Treasurer) $134,440 $0 $4,829
Julie B Langolf (Dir, Office Administration) $124,630 $0 $17,958
Diane E Lofquist (Chair Of The Board) $37,500 $0 $0
Brenda L Doll (Director) $16,500 $0 $0
James Hunsanger (Director) $14,500 $0 $0
Karen R Palka (Director) $14,500 $0 $0
Kathy K Regalado (Director) $14,500 $0 $0
Charlene J Yard (Director) $14,500 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,972,546
Expenses
$21,588,657
Net Income
$383,889
Net Assets
$13,729,788
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,627,953
57.5%
Investment Income $9,023,937
41.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $408,000
1.9%
Net Fundraising $0
Sales of Assets -$87,344
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $693,748
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $2,032,396
9.4%
Assets/Debt
Total Assets $203,511,750
Total Liabilities $189,781,962
Net Assets $13,729,788
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $259,883 $0 $30,197
Nicholas J Radosta (Dir, Sales & Agency Development) $164,482 $0 $19,745
Janet J Carmody (National Secretary) $141,916 $0 $20,017
Julie L Jagoda (National Treasurer) $129,600 $0 $2,386
Julie B Langolf (Dir, Office Administration) $125,697 $0 $13,716
Diane E Lofquist (Chair Of The Board) $39,000 $0 $0
Brenda L Doll (Director) $18,000 $0 $0
Karen R Palka (Director) $15,250 $0 $0
Kathy K Regalado (Director) $15,250 $0 $0
Charlene J Yard (Director) $15,250 $0 $0
James Hunsanger (Director) $7,000 $0 $0
Thomas D Streukens (Director (To May '22)) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,989,003
Expenses
$22,112,939
Net Income
-$1,123,936
Net Assets
$11,491,080
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,467,190
54.6%
Investment Income $8,707,079
41.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $384,000
1.8%
Net Fundraising $0
Sales of Assets $430,734
2.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $674,440
3.0%
Professional Fundraising Fees $0
Other Salaries and Wages $2,023,793
9.2%
Assets/Debt
Total Assets $202,469,549
Total Liabilities $190,978,469
Net Assets $11,491,080
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $244,580 $0 $30,161
Nicholas J Radosta (Dir, Sales & Agency Development) $160,561 $0 $20,229
Janet J Carmody (National Secretary) $140,735 $0 $21,209
Julie L Jagoda (National Treasurer) $125,317 $0 $5,688
Julie B Langolf (Dir, Office Administration) $122,156 $0 $14,066
Diane E Lofquist (Chair Of The Board) $39,500 $0 $0
Brenda L Doll (Director) $17,750 $0 $0
Karen R Palka (Director) $16,500 $0 $0
Kathy K Regalado (Director) $16,500 $0 $0
Charlene J Yard (Director) $16,500 $0 $0
Thomas D Streukens (Director (From Jan '21)) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$17,475,873
Expenses
$20,704,367
Net Income
-$3,228,494
Net Assets
$11,361,890
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,592,076
43.4%
Investment Income $9,409,907
53.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $408,000
2.3%
Net Fundraising $0
Sales of Assets $65,890
0.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $702,012
3.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,993,281
9.6%
Assets/Debt
Total Assets $201,104,800
Total Liabilities $189,742,910
Net Assets $11,361,890
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $257,039 $0 $40,044
Nicholas J Radosta (Dir, Sales & Agency Dev) $154,929 $0 $15,949
Janet J Carmody (National Secretary) $136,622 $0 $20,264
Julie Jagoda (National Treasurer) $120,796 $0 $5,497
Julie B Langolf (Dir, Chapter Development) $120,292 $0 $13,485
Diane E Lofquist (Chair Of The Board) $28,000 $0 $0
Janice U Whipple (Chair Of The Board (Til Jul '20)) $27,500 $0 $0
Brenda L Doll (Director) $17,750 $0 $0
Karen Palka (Director) $16,500 $0 $0
Kathy K Regalado (Director) $16,250 $0 $0
Charlene J Yard (Director) $15,750 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$18,054,883
Expenses
$20,359,488
Net Income
-$2,304,605
Net Assets
$15,761,222
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,665,958
42.5%
Investment Income $9,842,733
54.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $420,000
2.3%
Net Fundraising $0
Sales of Assets $126,192
0.7%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $706,418
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $2,217,043
10.9%
Assets/Debt
Total Assets $203,458,914
Total Liabilities $187,697,692
Net Assets $15,761,222
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $269,181 $0 $24,896
Nicholas J Radosta (Director Of Sales & Agency Development) $148,622 $0 $11,325
Janet J Carmody (National Secretary) $132,090 $0 $19,806
Julie B Langolf (Director Of Chapter Development) $116,557 $0 $13,010
Julie Jagoda (National Treasurer) $115,815 $0 $560
Janice U Whipple (Chair Of The Board) $63,750 $0 $0
Kathy K Regalado (Director) $17,570 $0 $0
Brenda L Doll (Director) $17,000 $0 $0
Charlene J Yard (Director) $15,750 $0 $0
Diane E Lofquist (Director) $15,000 $0 $0
Karen Palka (Director) $15,000 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,796,356
Expenses
$22,058,064
Net Income
-$1,261,708
Net Assets
$19,973,334
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,999,026
48.1%
Investment Income $9,911,419
47.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $420,000
2.0%
Net Fundraising $0
Sales of Assets $465,911
2.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $780,279
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,964,240
8.9%
Assets/Debt
Total Assets $204,561,858
Total Liabilities $184,588,524
Net Assets $19,973,334
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $262,828 $0 $27,660
Janet J Carmody (National Secretary) $127,315 $0 $22,488
Julie B Langolf (Director Of Chapter Develo) $112,630 $0 $12,003
Janice U Whipple (Chair Of The Board) $63,750 $0 $0
Jeremy D Nichols (National Treasurer (To May '18)) $54,453 $0 $8,977
Brenda L Doll (Director) $18,500 $0 $0
Kathy K Dack (Director) $16,500 $0 $0
Charlene J Yard (Director) $16,500 $0 $0
Diane E Lofquist (Director) $15,750 $0 $0
Karen Palka (Director (From April '18)) $11,250 $0 $0
Jean Ann Pyle (Director (To April '18)) $5,250 $0 $0
Julie Jagoda (National Treasurer (From December '18)) $4,425 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,893,081
Expenses
$23,273,214
Net Income
-$1,380,133
Net Assets
$20,040,616
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,684,938
48.8%
Investment Income $10,824,056
49.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $480,000
2.2%
Net Fundraising $0
Sales of Assets -$95,913
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $699,580
3.0%
Professional Fundraising Fees $0
Other Salaries and Wages $2,070,102
8.9%
Assets/Debt
Total Assets $205,850,846
Total Liabilities $185,810,230
Net Assets $20,040,616
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $259,602 $0 $22,512
Janet J Carmody (National Secretary) $122,569 $0 $16,948
Jeremy D Nichols (National Treasurer) $113,087 $0 $17,362
Julie B Langolf (Director Of Chapter Develo) $109,896 $0 $11,606
Janice U Whipple (Chair Of The Board) $64,500 $0 $0
Brenda L Doll (Director) $17,750 $0 $0
Kathy K Dack (Director) $16,500 $0 $0
Jean Ann Pyle (Director) $16,500 $0 $0
Charlene J Yard (Director) $16,500 $0 $0
Diane E Lofquist (Director) $15,750 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$23,008,547
Expenses
$23,870,662
Net Income
-$862,115
Net Assets
$21,558,757
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,937,263
51.9%
Investment Income $10,575,500
46.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $480,000
2.1%
Net Fundraising $0
Sales of Assets $28,616
0.1%
Net Inventory Sales $0
Other Revenue -$12,832
Notable Expenses Percent of Total Expenses
Executive Compensation $688,525
2.9%
Professional Fundraising Fees $0
Other Salaries and Wages $2,162,122
9.1%
Assets/Debt
Total Assets $203,593,650
Total Liabilities $182,034,893
Net Assets $21,558,757
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $256,009 $0 $22,377
Diane R Bedore (Sales Representative) $186,153 $0 $11,561
Janet J Carmody (National Secretary) $119,517 $0 $17,268
Jeremy D Nichols (National Treasurer) $111,219 $0 $17,635
Julie B Langolf (Director Of Chapter Develo) $106,539 $0 $11,074
Janice U Whipple (Chair Of The Board) $63,750 $0 $0
Brenda L Doll (Director) $17,750 $0 $0
Kathy K Dack (Director) $15,750 $0 $0
Diane E Lofquist (Director) $15,750 $0 $0
Jean Ann Pyle (Director) $15,750 $0 $0
Charlene J Yard (Director) $15,750 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,830,980
Expenses
$23,334,524
Net Income
-$1,503,544
Net Assets
$21,824,409
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,621,439
48.7%
Investment Income $10,712,703
49.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $480,000
2.2%
Net Fundraising $0
Sales of Assets $16,838
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $704,768
3.0%
Professional Fundraising Fees $0
Other Salaries and Wages $2,301,878
9.9%
Assets/Debt
Total Assets $199,582,869
Total Liabilities $177,758,460
Net Assets $21,824,409
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $265,100 $0 $23,196
Diane R Bedore (Sales Representative) $162,921 $0 $12,019
Janet J Carmody (National Secretary) $120,603 $0 $16,464
Jeremy D Nichols (National Treasurer) $113,654 $0 $18,251
Julie B Langolf (Director Of Chapter Development) $108,569 $0 $11,389
Janice U Whipple (Chair Of The Board) $64,500 $0 $0
Brenda L Doll (Director) $17,750 $0 $0
Kathy K Dack (Director) $16,500 $0 $0
Jean Ann Pyle (Director) $16,500 $0 $0
Charlene J Yard (Director) $16,500 $0 $0
Diane E Lofquist (Director) $15,750 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,014,225
Expenses
$21,475,865
Net Income
-$461,640
Net Assets
$35,783,969
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,105,777
52.8%
Investment Income $9,894,403
47.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $14,045
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,363,923
6.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,570,891
7.3%
Assets/Debt
Total Assets $196,904,905
Total Liabilities $161,120,936
Net Assets $35,783,969
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $262,537 $0 $20,572
Diane R Bedore (Sales Representative) $151,170 $0 $11,124
James C Borema (Actuary) $114,955 $0 $14,972
Janet Carmody (National Secretary) $110,442 $0 $14,849
Jeremy D Nichols (National Treasurer) $106,886 $0 $16,744
Julie Langolf (Director Of Chapter Development) $101,448 $0 $10,070
Katherine Huffmaster (Director Of Sales) $95,824 $0 $13,427
Shelley White Thomas (National Secretary Director Of Compliance) $87,691 $0 $6,608
Polly Jamison (Director Of New Business) $66,659 $0 $12,695
Janice U Whipple (Chair Of The Board) $63,750 $0 $0
Brenda L Doll (Board Member) $17,750 $0 $0
Kathy K Dack (Board Member) $15,750 $0 $0
Jean Ann Pyle (Board Member) $15,750 $0 $0
Charlene J Yard (Board Member) $15,750 $0 $0
Diane E Lofquist (Board Member) $11,250 $0 $0
Joseph Haselmayer (Board Member) $5,250 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,692,198
Expenses
$21,992,229
Net Income
-$1,300,031
Net Assets
$36,245,609
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,751,625
52.0%
Investment Income $9,891,006
47.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $49,567
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,418,718
6.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,422,865
6.5%
Assets/Debt
Total Assets $194,400,874
Total Liabilities $158,155,265
Net Assets $36,245,609
Compensation
Key Employees and Officers Compensation Related Other
Christopher J Martin (National President) $253,141 $0 $19,117
Diane R Bedore (Sales Representative) $126,153 $0 $10,254
James C Borema (Actuary) $112,027 $0 $13,875
Paul E Bolek (National Secretary) $108,006 $0 $4,984
Jeremy D Nichols (National Treasurer) $104,537 $0 $15,470
Janet Carmody (Director Of Information Systems) $104,496 $0 $13,672
Katherine Huffmaster (Director Of Sales) $100,552 $0 $13,249
Julie Langolf (Director Of Chapter Development) $98,451 $0 $9,381
Shelley White Thomas (National Secretary Director Of Compliance) $80,443 $0 $4,672
Janice U Whipple (Chair Of The Board) $66,000 $0 $0
Polly Jamison (Director Of New Business) $61,909 $0 $11,579
Brenda L Doll (Board Member) $18,500 $0 $0
Kathy K Dack (Board Member) $17,250 $0 $0
Jean Ann Pyle (Board Member) $17,250 $0 $0
Charlene J Yard (Board Member) $17,250 $0 $0
Joseph Haselmayer (Board Member) $16,500 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,854,117
Expenses
$21,654,876
Net Income
-$800,759
Net Assets
$37,545,640
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,683,817
99.2%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $170,300
0.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,432,932
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,414,674
6.5%
Assets/Debt
Total Assets $192,093,609
Total Liabilities $154,547,969
Net Assets $37,545,640

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,834,193
Expenses
$20,875,619
Net Income
-$41,426
Net Assets
$38,346,399
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,156,534
96.7%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $677,659
3.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,247,905
6.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,854,688
8.9%
Assets/Debt
Total Assets $189,725,571
Total Liabilities $151,379,172
Net Assets $38,346,399

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

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For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
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  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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