Nonprofit · EIN 81-0360771
MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION
Tax-exempt · ADEL, IA 50003
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $537,398 | $981,315 | -$443,917 | $10,462,229 | $1,108,626 | $9,353,603 |
| December 31, 2024 | 990 | $2,382,346 | $1,125,533 | $1,256,813 | $10,906,146 | $1,538,224 | $9,367,922 |
| December 31, 2023 | 990 | $1,152,794 | $373,396 | $779,398 | $9,649,333 | $1,538,224 | $8,111,109 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $159,725
- Investment income
- $357,658
- Net gain from sales of assets
- -$575
- Tax-exempt bond proceeds
- $36,017
- Other revenue
- $20,015
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $107,000
- Salaries, compensation and benefits (total)
- $107,000
- Professional fundraising fees
- $0
- Legal fees
- $24,773
- Accounting fees
- $58,068
- Travel
- $45,091
Balance sheet and other
- Total assets, start of year
- $10,906,146
- Total assets, end of year
- $10,462,229
- Total liabilities, end of year
- $1,108,626
- Net assets, end of year
- $9,353,603
- Publicly traded securities
- $5,963,726
- Gross receipts
- $1,260,713
- Employees
- 0
- Volunteers
- 8
- Year formed
- 1974
- State of legal domicile
- MT
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LORI GEADELMANN | EXECUTIVE DIRECTOR Officer | 20 | $107,000 |
| ASHLEE STRONG | DIRECTOR-PUBLIC MEMBER Trustee or director | 1 | $0 |
| LESLEY VON ESCHEN | DIRECTOR-PUBLIC MEMBER Trustee or director | 1 | $0 |
| STANDARD INSURANCE COMPANY | BOARD CHAIR Institutional trustee | 1 | $0 |
| BLUE CROSS AND BLUE SHIELD OF MONTANA | TREASURER/SECRETARY Institutional trustee | 1 | $0 |
| FARM BUREAU LIFE INSURANCE COMPANY | DIRECTOR Institutional trustee | 1 | $0 |
| UNITED HEALTHCARE INSURANCE COMPANY | DIRECTOR Institutional trustee | 1 | $0 |
| MOUNTAIN HEALTH CO-OP | DIRECTOR Institutional trustee | 1 | $0 |
| NORTHWESTERN MUTUAL LIFE INSURANCE CO | DIRECTOR Institutional trustee | 1 | $0 |
990 for the year ended December 31, 2024: 10 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JANICE VANRIPER | EXECUTIVE DIRECTOR Officer | 20 | $147,982 |
| LORI GEADELMANN | EXECUTIVE DIRECTOR Officer | 20 | $34,044 |
| ASHLEE STRONG | DIRECTOR-PUBLIC MEMBER Trustee or director | 1 | $0 |
| LESLEY VON ESCHEN | DIRECTOR-PUBLIC MEMBER Trustee or director | 1 | $0 |
| FARM BUREAU LIFE INSURANCE COMPANY | DIRECTOR Institutional trustee | 1 | $0 |
| STANDARD INSURANCE COMPANY | DIRECTOR Institutional trustee | 1 | $0 |
| BLUE CROSS AND BLUE SHIELD OF MONTANA | TREASURER/SECRETARY Institutional trustee | 1 | $0 |
| UNITED HEALTHCARE INSURANCE COMPANY | DIRECTOR Institutional trustee | 1 | $0 |
| MOUNTAIN HEALTH CO-OP | DIRECTOR Institutional trustee | 1 | $0 |
| ALLEGIANCE COMPANIES | DIRECTOR Institutional trustee | 1 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JANICE VANRIPER | EXECUTIVE DIRECTOR Officer | 20 | $151,073 |
| ASHLEE STRONG | DIRECTOR-PUBLIC MEMBER Trustee or director | 1 | $0 |
| LESLEY VON ESCHEN | DIRECTOR-PUBLIC MEMBER Trustee or director | 1 | $0 |
| FARM BUREAU LIFE INSURANCE COMPANY | DIRECTOR Institutional trustee | 1 | $0 |
| STANDARD INSURANCE COMPANY | DIRECTOR Institutional trustee | 1 | $0 |
| ALLEGIANCE COMPANIES | DIRECTOR Institutional trustee | 1 | $0 |
| BLUE CROSS AND BLUE SHIELD OF MONTANA | DIRECTOR Institutional trustee | 1 | $0 |
| UNITED HEALTHCARE INSURANCE COMPANY | DIRECTOR Institutional trustee | 1 | $0 |
| MOUNTAIN WEST HEALTH CO-OP | DIRECTOR Institutional trustee | 1 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 123, ADEL, IA 50003-0123
- Principal officer (990 for 2025)
- LORI GEADELMANN, PO BOX 123, ADEL, IA 50003
- Signed the 990
- LORI GEADELMANN, EXECUTIVE DIRECTOR
- Phone
- (406) 880-7017
- Website
- WWW.MTLIFEGA.ORG
- Return prepared by
- PINION LLC
Mission
MONTANA LIFE & HEALTH INSURANCE GUARANTY ASSOCIATION WAS ESTABLISHED TO PROVIDE CERTAIN PROTECTIONS TO POLICYHOLDERS OF IMPAIRED OR INSOLVENT INSURERS IN ACCORDANCE WITH MONTANA STATUTES TITLE 33, CHAPTER 10, PART 2.
Program accomplishments
- PAYMENT OF LIFE, HEALTH, LONG-TERM CARE, AND ANNUITY CLAIMS TO INSURED INDIVIDUALS AND ADDRESS OTHER CONTRACTUAL OBLIGATIONS OF EXISTING INSURANCE POLICIES OF INSOLVENT INSURERS.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 81-0360771
- Tax-exempt status
- 501(c)(6): Business league or chamber of commerce
- Donations deductible
- No
- Exempt since
- 1976
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $10,462,229
- Income (IRS master file)
- $1,260,713
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $537,398 | $981,315 | $10,462,229 | IRS |
| 990 | December 2024 | $2,382,346 | $1,125,533 | $10,906,146 | XML |
| 990 | December 2023 | $1,152,794 | $373,396 | $9,649,333 | XML |
| 990 | December 2022 | $436,269 | $339,009 | $8,869,935 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 81-0360771).
Questions about MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION
- What is the EIN of MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION?
- The employer identification number (EIN) of MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION is 81-0360771.
- Is MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(6) since 1976.
- Are donations to MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION?
- The 990 for the year ended December 31, 2025 names LORI GEADELMANN.
- Who are the officers and directors of MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION?
- The 990 for the year ended December 31, 2025 lists 9 people; 1 received compensation from the organization, the highest $107,000 (LORI GEADELMANN, EXECUTIVE DIRECTOR).
- How much revenue does MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $537,398, expenses of $981,315 and total assets of $10,462,229 at year end.
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