2025-10-01T09:32:49+00:00 2024-12-31 440160260 Forvis Mazars LLP 111 E Wayne Street Suite 600 Fort Wayne IN 46802 990 2024-01-01 362201108 CATHOLIC FRATERNAL LIFE CATH 6182330286 PO BOX 327 BELLEVILLE IL 622220327 SANDRA H BOUCHARD PRESIDENT/CEO 6182330286 2025-10-01 true Lauren Denton P01571860 2604604000 2025-10-01 2024 2025-03-06 01:10:19Z SANDRA H BOUCHARD PO BOX 327 BELLEVILLE IL 622220327 59891377 false X WWW.CFLLIFE.ORG X 1915 IL PROMOTING BELIEF AND TRUST IN GOD; GIVING MEMBERS COURTEOUS, CARING, AND PROMPT SERVICE; AND SERVICING CATHOLIC COMMUNITY THROUGH A VARIETY OF FRATERNAL PROGRAMS. 8 7 20 10 0 0 0 34099567 40394371 0 166523 0 0 34099567 40560894 0 0 27263590 34542270 1116870 2072709 0 0 0 3597145 2734527 31977605 39349506 2121962 1211388 201734797 211595467 189510683 198834410 12224114 12761057 PROMOTING BELIEF AND TRUST IN GOD; GIVING MEMBERS COURTEOUS, CARING AND PROMPT SERVICE; SERVICING THE CATHOLIC COMMUNITY THROUGH A VARIETY OF FRATERNAL PROGRAMS THAT ENCOURAGE MEMBER PARTICIPATION; PROVIDING SECURITY FOR MEMBERS AND THEIR FAMILIES WITH FINANCIALLY SOUND INSURANCE PRODUCTS. false false 39349506 40394371 PROVIDING MEMBERS AND THEIR FAMILIES WITH FINANCIALLY SOUND INSURANCE PRODUCTS. 39349506 false false false false false false false false false false true false true false true false true false false false false false false false false false false false false true false false false false false false false false false false false false false false false true true true false false true 717 0 20 true false false false false false false false false X 8 7 false true false false true true true true true false true true true true true true true true true true false false CA X SANDRA H BOUCHARD 6182330286 2021 MASCOUTAH AVE BELLEVILLE IL 62220 Sandra H Bouchard President/CEO 36.0 0.0 X X 183117 0 10653 B Carson Hempen Vice Chairman of the Board 1.0 0.0 X 7200 0 0 Brian Flynn Director 1.0 0.0 X 7100 0 0 Geralyn Stock Director 1.0 0.0 X 7000 0 0 James J Hopper Recording Secretary 1.0 0.0 X 5500 0 0 Joseph Timmermann Jr Director 1.0 0.0 X 5700 0 0 Melvin F Weck Chairman of the Board 5.0 0.0 X 10200 0 0 Michael S Jackson Director 1.0 0.0 X 6200 0 0 Lisa A Brauer Corporate Secretary 36.0 0.0 X 64866 0 9963 Whitney E Meyer Treasurer 36.0 0.0 X 89479 0 7895 Craig Liadis Preneed Regional Director 36.0 0.0 X 114089 0 9026 Darlene Russell Preneed Regional Director 36.0 0.0 X 111534 0 6264 Mark Kombrink Programmer 36.0 0.0 X 113384 0 17283 Michelle Hankinson Preneed Regional Director 36.0 0.0 X 142417 0 12930 867786 0 74014 5 false true false AQS Asset Management LLC 5806 Mesa Dr Ste 220 Austin TX 78731 Investment Manager 173563 1 0 PREMIUMS 29784013 29784013 INVESTMENT INCOME 10610358 10610358 0 0 0 0 40394371 0 0 19497006 19330483 166523 0 166523 166523 0 0 0 0 0 0 40560894 40560894 0 0 34542270 414873 1121616 57404 352049 126767 72860 54746 163829 267215 68230 146014 125456 3280 4031 59822 35778 180991 COMMISSIONS 1336363 OTHER EXPENSES 113171 FRATERNAL ACTIVITIES 102741 0 39349506 4796324 7259946 156257 3750 0 0 1224258 1016675 159430 207583 179034399 179795470 0 15523698 22227510 2064689 2101208 201734797 211595467 185269 235695 0 189325414 198598715 189510683 198834410 X 12224114 12761057 12224114 12761057 201734797 211595467 X 1211388 -121943 -552502 X false true true false 85582 85582 837198 715197 122001 301478 301478 0 207583 MORTGAGE LOANS 20757042 C CONTRACT LOANS 1470468 C 22227510 Federal Income Taxes RESERVES 193124626 CONTRACTS 2774665 OTHER LIABILITIES 2699424 198598715 40560894 0 0 0 0 40560894 0 0 40560894 39349506 0 0 39349506 0 0 39349506 Schedule D, Part X, Line 2 ASC 740 FOOTNOTE MANAGEMENT HAS EVALUATED THEIR INCOME TAX POSITIONS UNDER THE GUIDANCE INCLUDED IN ASC 740. BASED ON THEIR REVIEW, MANAGEMENT HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS TO BE RECORDED OR DISCLOSED IN THE FINANCIAL STATEMENTS. X X false false false Sandra H Bouchard President/CEO 183117 0 0 0 0 0 7453 0 3200 0 193770 0 0 0 Michelle Hankinson Preneed Regional Director 142417 0 0 0 0 0 5939 0 6991 0 155347 0 0 0 Form 990, Part VI, Line 3 Delegation of management duties THE INVESTMENTS ARE MANAGED BY AN OUTSIDE COMPANY WITH APPROVALS FROM THE BOARD OF DIRECTORS PURSUANT TO AN AGREEMENT WITH THE ILLINOIS DEPARTMENT OF INSURANCE. Form 990, Part VI, Line 6 Classes of members or stockholders THE ORGANIZATION HAS MORE THAN 30,000 MEMBERS. YOU MUST HAVE A POLICY TO BE A MEMBER. Form 990, Part VI, Line 7a Members or stockholders electing members of governing body THE MEMBERS ELECT DELEGATES WHO THEN HAVE THE AUTHORITY TO VOTE ON ANY CHANGES TO THE BY-LAWS. Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders THE MEMBERS SELECT DELEGATES EVERY 4 YEARS. THE DELEGATES HAVE THE DUTY TO MAKE ANY CHANGES TO THE CONSTITUTIONAL BYLAWS. Form 990, Part VI, Line 11b Review of form 990 by governing body THE ORGANIZATION ENGAGES AN INDEPENDENT ACCOUNTING FIRM TO PREPARE FORM 990. ONCE PREPARED, THE PRESIDENT/CEO AND TREASURER REVIEW THE RETURN AND THEN PRESENT TO THE BOARD OF DIRECTORS PRIOR TO FILING. Form 990, Part VI, Line 12c Conflict of interest policy EVERY YEAR ALL OFFICERS AND DIRECTORS COMPLETE WRITTEN STATEMENTS OF CONFLICT OF INTEREST. DIRECTORS ARE REQUIRED TO DISCLOSE ACTUAL OR POTENTIAL CONFLICT OF INTEREST IN ANY TRANSACTION FOR CFL THAT INVOLVES THEMSELVES OR MEMBERS OF THEIR IMMEDIATE FAMILIES. A SUMMARY OF ALL THE ANSWERS FROM THE QUESTIONNAIRE IS SENT TO THE DIRECTORS FOR REVIEW AND ANY RELATIONSHIPS ARE ASSESSED TO ENSURE THEY ARE IN COMPLIANCE WITH THE POLICY. POTENTIAL MATTERS UNDER THE POLICY ARE ESCALATED AND REVIEWED BY THE BOARD CHAIRMAN AND THE PRESIDENT. DIRECTORS WITH ANY DISCLOSED CONFLICT MUST REFRAIN FROM USING PERSONAL INFLUENCE IN THE MATTER AND WILL RECUSE THEMSELVES FROM ANY DISCUSSIONS AND/OR VOTING ON THE MATTER. Form 990, Part VI, Line 15a Process to establish compensation of top management official THE BOARD REVIEWS COMPENSATION ANNUALLY TO DETERMINE THE COMPENSATION OF THE PRESIDENT/CEO. THE COMPENSATION REVIEW PROCESS WAS LAST COMPLETED IN 2024. Form 990, Part VI, Line 15b Process to establish compensation of other employees THE COMPENSATION REVIEW FOR KEY EMPLOYEES IS PERFORMED BY THE PRESIDENT/CEO ANNUALLY. Form 990, Part VI, Line 19 Required documents available to the public THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE BY APPROVED REQUEST. Form 990, Part XI, Line 9 Other changes in net assets or fund balances NONADMITTED ASSETS - -302858; ASSET VALUATION RESERVE - -249644; CFL PRENEED PO BOX 327 BELLEVILLE IL 62222 371312482 SELLING INSURANCE IL CFL C Corporation 0 0 1 true false false false false false false false false false false false false false true true false false true true CFL PRENEED S 313185 FMV