Vt Life & Health Insurance Guaranty Association
501(c)(6)
Only null% goes to programs Strong reserves Growing revenue
Vt Life & Health Insurance Guaranty Association is a 501(c)(6) organization based in Montpelier, Vermont, registered in 1975, with $3,116,505 in FY2024 revenue. CharityIndex grades it B.
One National Life Drive M585, Montpelier, VT, 05604 EIN 03-0260123 Since 1975
Revenue (FY2024)
$3.1M
▲ 1424.9% vs prior year
Expenses (FY2024)
$251K
Net assets
$3.8M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Vt Life & Health Insurance Guaranty Association— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
B+Financial health25% of the rating183 mo reserves · +92% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Vt Life & Health Insurance Guaranty Association: 183 mo reserves · +92% margin earns a B+ on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Vt Life & Health Insurance Guaranty Association— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Vt Life & Health Insurance Guaranty Association: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- One National Life Drive M585, Montpelier, VT, 05604
- City
- Montpelier
- State
- Vermont
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue grew from $2,703 (FY2012) to $3.1M (FY2024) across 13 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $1Net assets $3.8M
Operating margin
91.9%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$3.8M
Total liabilities
$1
Net assets
$3.8M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $3,116,505▲1425% | $251,091▲4.8% | $3,832,382▲296% | $3,832,383▲296% | 990 |
| 2023 | $204,378▼59.9% | $239,544▲11.0% | $966,968▼3.5% | $966,968▼3.5% | 990 |
| 2022 | $510,275▲3640% | $215,889▲8.1% | $1,002,134▲41.6% | $1,002,134▲41.6% | 990 |
| 2021 | $13,644▲407% | $199,711▼1.7% | $707,748▼20.8% | $707,748▼20.8% | 990 |
| 2020 | $2,691▼99.6% | $203,226▼0.1% | $893,815▼18.3% | $893,815▼18.3% | 990 |
| 2019 | $618,229▼87.8% | $203,425▼35.6% | $1,094,350▲61.0% | $1,094,350▲61.0% | 990 |
| 2018 | $5,049,959▼10.4% | $315,802▼97.0% | $679,546▲117% | $679,546▲9.7% | 990 |
| 2017 | $5,634,060▲834% | $10,484,923▲5070% | -$4,054,611▼609% | $619,614▼22.2% | 990 |
| 2016 | $602,970▲9256% | $202,816▲6.6% | $796,252▲101% | $796,252▲97.4% | 990 |
| 2015 | $6,445▼3.5% | $190,334▼1.7% | $396,098▼31.7% | $403,447▼30.4% | 990EZ |
| 2014 | $6,678▼99.5% | $193,699▼82.6% | $579,987▼24.4% | $579,987▼24.4% | 990 |
| 2013 | $1,402,716▲51795% | $1,112,567▲533% | $767,008▲60.8% | $767,008▲60.3% | 990 |
| 2012 | $2,703 | $175,866▲5.8% | $476,859▼26.6% | $478,369▼26.6% | 990EZ |
| 2011 | — | $166,194 | $650,022 | $651,472 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is Vt Life & Health Insurance Guaranty Association a legitimate nonprofit?
- Yes. Vt Life & Health Insurance Guaranty Association is a 501(c)(6) organization registered with the U.S. Internal Revenue Service under EIN 03-0260123, based in Montpelier, Vermont.
- What is Vt Life & Health Insurance Guaranty Association's EIN?
- Vt Life & Health Insurance Guaranty Association's Employer Identification Number (EIN) is 03-0260123.
- How much revenue does Vt Life & Health Insurance Guaranty Association report?
- Vt Life & Health Insurance Guaranty Association reported $3,116,505 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Vt Life & Health Insurance Guaranty Association have?
- CharityIndex grades Vt Life & Health Insurance Guaranty Association B, based on financial health (reserves and operating margin).
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Data for Vt Life & Health Insurance Guaranty Association (EIN 03-0260123) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.