2025-11-13T15:27:36+00:00 2024-12-31 350921680 CROWE LLP 401 East Las Olas Blvd Suite 1100 Fort Lauderdale FL 333014230 990 2024-01-01 261339203 LL Global Inc LLGL 8602857741 300 DAY HILL ROAD WINDSOR CT 06095 JANINE EPRIGHT CHIEF FINANCIAL OFFICER 2025-11-13 true true Brittney Kocaj P01320603 9542028600 2025-11-13 2024 2025-03-06 01:10:19Z DAVID LEVENSON 300 DAY HILL ROAD WINDSOR CT 06095 87421251 false X WWW.LIMRA.COM X 2007 CT TO PROVIDE BENEFITS TO THE INSURANCE INDUSTRY AS A WHOLE THROUGH RESEARCH AND EDUCATION. 26 25 352 25 0 17500 10000 53331619 55569873 1614009 3066913 0 1094216 54963128 59741002 0 0 0 35627622 35435097 0 0 0 16643127 13811825 52270749 49246922 2692379 10494080 78669683 84078851 29288019 24386486 49381664 59692365 TO PROVIDE BENEFITS TO THE INSURANCE INDUSTRY AS A WHOLE THROUGH RESEARCH AND EDUCATION. false false LL GLOBAL, INC IS ORGANIZED AND SHALL BE OPERATED EXCLUSIVELY AS A PROFESSIONAL AND TRADE ASSOCIATION THROUGH WHICH LIFE INSURANCE, HEALTH INSURANCE, AND OTHER COMPANIES AND PERSONS INVOLVED IN THE FINANCIAL SERVICES OR RETIREMENT SERVICES INDUSTRIES, MAY ENGAGE IN COOPERATIVE ACTIVITIES, HAVING AS THEIR AIM THE IMPROVEMENT OF SUCH COMPANIES AND THEIR OPERATION. THE PURPOSE OF THE CORPORATION SHALL INCLUDE, BUT IS NOT LIMITED TO, THE EXCHANGE OF IDEAS PERTAINING TO COMPANY OPERATIONS, MARKETING, DISTRIBUTION, COOPERATIVE RESEARCH PROJECTS AND EDUCATIONAL PROGRAMS RELATED TO SUCH COMPANIES AND THEIR OPERATIONS. IN FURTHERANCE OF ANY OR ALL THE FOREGOING ACTIVITIES AND PURPOSE, BUT SUBJECT TO THE RESTRICTIONS OF THE CERTIFICATE OF INCORPORATION, THE CORPORATION MAY ENGAGE IN ANY LAWFUL ACT OR ACTIVITY FOR WHICH CORPORATIONS MAY BE INFORMED UNDER THE NONSTOCK ACT. 0 false true false false true false false false false false true false false true true true false true false true true 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 X 58 0 true 352 true false true SN CA CH false false true true false true false X 26 25 true false false false true true true true true false false false false true true true true true false true false false CT GA X JANINE EPRIGHT 8602857741 300 DAY HILL ROAD WINDSOR CT 06095 Adrian Griggs Chair 5.0 0.0 X X 0 0 0 Caroline Feeney Vice Chair 5.0 0.0 X X 0 0 0 David Levenson President 33.0 17.0 X X 3156106 0 47341 Aaron Ball Director 5.0 0.0 X 0 0 0 Amy Friedrich Director (Until Nov 2024) 5.0 0.0 X 0 0 0 Bill White Director (Began June 2024) 5.0 0.0 X 0 0 0 Bob Jurgensmerier Director (Began Nov 2024) 5.0 0.0 X 0 0 0 Chris Blunt Director 5.0 0.0 X 0 0 0 Denise McCauley Director 5.0 0.0 X 0 0 0 Gordon Watson Director (Until Nov 2024) 5.0 0.0 X 0 0 0 Jasmine Jirele Director 5.0 0.0 X 0 0 0 Jerry Lyphout Director (Began Nov 2024) 5.0 0.0 X 0 0 0 John Cai Director (Until April 2024) 5.0 0.0 X 0 0 0 Joseph Monk Director (Until June 2024) 5.0 0.0 X 0 0 0 Kamilah Williams-Kemp Director 5.0 0.0 X 0 0 0 Kevin Molloy Director 5.0 0.0 X 0 0 0 Marc Costantini Director 5.0 0.0 X 0 0 0 Marc Giguere Director (Began Nov 2024) 5.0 0.0 X 0 0 0 Margaret Meister Director 5.0 0.0 X 0 0 0 Mark Holweger Director (Until Nov 2024) 5.0 0.0 X 0 0 0 Matt Berman Director (Began March 2024) 5.0 0.0 X 0 0 0 Matthew Grove Director (Until May 2024) 5.0 0.0 X 0 0 0 Mike James Director 5.0 0.0 X 0 0 0 Paul LaPiana Director 5.0 0.0 X 0 0 0 Rene Laflamme Director 5.0 0.0 X 0 0 0 Rob Arena Director 5.0 0.0 X 0 0 0 Ron Hermann Director 5.0 0.0 X 0 0 0 Sarah Mineau Director (Began June 2024) 5.0 0.0 X 0 0 0 Tom Dempsey Director (Began March 2024) 5.0 0.0 X 0 0 0 Virgil Miller Director (Began Nov 2024) 5.0 0.0 X 0 0 0 Wade Harrison Director 5.0 0.0 X 0 0 0 Will Fuller Director 5.0 0.0 X 0 0 0 Gina Birchall Chief Operating Officer 25.0 25.0 X 616956 0 35207 Janine Epright Chief Financial Officer 25.0 25.0 X 406231 0 41683 Bernadette Nadeau Chief Op Officer, Int'l 50.0 0.0 X 178107 0 39554 Bryan Hodgens SVP, Head of Research 50.0 0.0 X 300322 0 38680 Carie Crane VP, Professional Dev 50.0 0.0 X 273518 0 38284 John Carroll Senior Vice President 50.0 0.0 X 367052 0 42495 Kartik Sakthivel Chief Information Officer 25.0 25.0 X 297212 0 45493 Kimberly Terranella VP, Industry Solutions 50.0 0.0 X 322171 0 17094 Michele Labouff SVP, Human Resources 50.0 0.0 X 312624 0 42244 Sean O'Donnell Senior Vice President 50.0 0.0 X 378727 0 35844 Tina Beckwith Chief Marketing Officer 25.0 25.0 X 294318 0 42389 Christopher Curran CVP Global Brand & Mktg 50.0 0.0 X 253342 0 33296 Dean Lambert Director, LIC 50.0 0.0 X 257685 0 21801 Kathryn Reid VP, Assess Learn Dev 50.0 0.0 X 245579 0 38445 Kevin McKenna Natl Sales Dir-Mbr Acquis 50.0 0.0 X 336058 0 10543 Ronald Rovner Natl Sales Mgr 50.0 0.0 X 287052 0 33989 8283060 0 604382 153 false true false Gaylord Opryland Resort & Convention Center 201 Waterfront Street National Harbor MD 20745 Event Service 836776 Gaylord National Resort 201 Waterfront Street National Harbor MD 20745 Event Service 809183 San Antonio Marriott Rivercenter on the River Walk 101 Bowie Street San Antonio TX 78205 Event Service 397632 Meridian Knowledge Solutions LLC PO Box 92083 Las Vegas NV 891932083 Project Management 392060 Dynata LLC 4 Research Drive Suite 300 Shelton CT 06484 Event Support 264969 11 10000 10000 MEMBERSHIP DUES 611430 35124714 35124714 ENROLLMENT FEES 611430 11161803 11161803 CONFERENCE REVENUE 611430 8730744 8730744 Other Program Service Revenue 611430 552612 552612 0 0 0 0 55569873 1399151 1399151 0 0 29348011 27680249 1667762 0 1667762 1667762 Insurance Proceeds 525190 1094216 1094216 0 0 0 0 1094216 59741002 56664089 0 3066913 5390734 24936510 2899706 2208147 176803 237790 2031774 47195 3777436 679810 764445 4281034 907999 334168 Data Collection 573371 0 49246922 7216060 7864585 1582938 9666243 3143819 4123658 0 0 0 0 1759318 2091198 29989379 26377697 4217502 3611682 40082744 31020852 0 0 20667302 25700633 78669683 84078851 7004916 6557015 10705959 12041352 0 0 11577144 5788119 29288019 24386486 X 49381664 59692365 49381664 59692365 78669683 84078851 X 10494080 -154730 -28649 X false true true false RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true false 670000 670000 8866535 6818469 2048066 1315159 1226332 88827 19137685 18332896 804789 3611682 INTERCOMPANY RECEIVABLE/PAYABLE 24456445 CASH VALUE OF LIFE INSURANCE 775729 Right of Use asset 325248 Deferred Expenses 143211 25700633 Federal Income Taxes RETIREMENT BENEFIT OBLIGATION 5013131 Net Operating Lease Liability 425542 Deferred compensation arrangements 294278 OTHER LIABILITY 55168 5788119 X 0 0 0 0 0 0 0 0 0 0 0 0 Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote LL Global is exempt from federal and state income taxes under Section 501(c)(6) of the Internal Revenue Code. However, LL Global may be subject to federal and state income tax due as a result of unrelated business income. There was no unrelated business income during the years ended December 31, 2024 and 2023. LL Global has no unrecognized tax benefits at December 31, 2024 and 2023. LL Global's and LLG Services' U.S. federal and state income tax and information returns prior to calendar year 2021 are closed and management continually evaluates expiring statutes of limitations, audits, proposed settlements, changes in tax law and new authoritative rulings. If LL Global had unrelated business income taxes, it would recognize interest and penalties associated with any tax matters as part of the income tax provision and include accrued interest and penalties with the related tax liability in the consolidated statements of financial position. LL Global has no amounts accrued for interest or penalties as of December 31, 2024 and 2023. East Asia and the Pacific 1 44 Program Services EDUCATION AND TRAINING, ONLINE LEARNING 3656286 Central America and the Caribbean 0 1 Program Services EDUCATION AND TRAINING, ONLINE LEARNING 132529 Middle East and North Africa 0 1 Program Services EDUCATION AND TRAINING, ONLINE LEARNING 98235 South America 0 3 Program Services EDUCATION AND TRAINING, ONLINE LEARNING 149403 North America (Canada & Mexico only) 0 4 Program Services EDUCATION AND TRAINING, ONLINE LEARNING 476167 Europe (Including Iceland and Greenland) 0 1 Program Services EDUCATION AND TRAINING, ONLINE LEARNING 48897 1 54 0 0 1 54 4561517 0 4561517 false false true false false true Schedule F, Part I, Line 3 Method used to account for expenditures on org's financial statements CENTRAL AMERICA AND THE CARIBBEAN-Accrual; EAST ASIA AND THE PACIFIC-Accrual; EUROPE (INCLUDING ICELAND AND GREENLAND)-Accrual; MIDDLE EAST AND NORTH AFRICA-Accrual; NORTH AMERICA (CANADA & MEXICO ONLY)-Accrual; SOUTH AMERICA-Accrual X X X false false false David Levenson President 1936657 0 1217127 0 2322 0 17250 0 30091 0 3203447 0 0 0 Gina Birchall Chief Operating Officer 419534 0 193100 0 4322 0 18154 0 17053 0 652163 0 0 0 Janine Epright Chief Financial Officer 348988 0 52921 0 4322 0 17677 0 24006 0 447914 0 0 0 Sean O'Donnell Senior Vice President 241432 0 134973 0 2322 0 14599 0 21245 0 414571 0 0 0 John Carroll Senior Vice President 254765 0 108723 0 3564 0 14411 0 28084 0 409547 0 0 0 Michele Labouff SVP, Human Resources 246756 0 63546 0 2322 0 12350 0 29894 0 354868 0 0 0 Kartik Sakthivel Chief Information Officer 231856 0 64546 0 810 0 15402 0 30091 0 342705 0 0 0 Kimberly Terranella VP, Industry Solutions 254423 0 66938 0 810 0 16284 0 810 0 339265 0 0 0 Bryan Hodgens SVP, Head of Research 251412 0 44588 0 4322 0 14674 0 24006 0 339002 0 0 0 Tina Beckwith Chief Marketing Officer 246957 0 46119 0 1242 0 13006 0 29383 0 336707 0 0 0 Carie Crane VP, Professional Dev 215220 0 55056 0 3242 0 14278 0 24006 0 311802 0 0 0 Bernadette Nadeau Chief Op Officer, Int'l 167369 0 10258 0 480 0 9544 0 30010 0 217661 0 0 0 Kevin McKenna Natl Sales Dir-Mbr Acquis 193418 0 139219 0 3421 0 9762 0 781 0 346601 0 0 0 Ronald Rovner Natl Sales Mgr 206416 0 77072 0 3564 0 12742 0 21247 0 321041 0 0 0 Christopher Curran CVP Global Brand & Mktg 208799 0 42221 0 2322 0 11917 0 21379 0 286638 0 0 0 Kathryn Reid VP, Assess Learn Dev 182446 0 60938 0 2195 0 8394 0 30051 0 284024 0 0 0 Dean Lambert Director, LIC 190115 0 63125 0 4445 0 12894 0 8907 0 279486 0 0 0 Form 990, Part VI, Line 15a COMPENSATION OF TOP MANAGEMENT OFFICIAL EVERY THREE TO FIVE YEARS, THE CHAIR OF THE BOARD OF DIRECTORS LEADS DISCUSSION AND NEGOTIATION OF COMPENSATION OF THE CEO BASED ON INPUT FROM COMPENSATION AND BENEFIT COMMITTEE, BASED ON EMPLOYEE PERFORMANCE, COMPARATIVE DATA BENCHMARKS, AND AVAILABLE NATIONAL SURVEY DATA. THE LAST REVIEW WAS DONE IN MARCH 2023. Form 990, Part VI, Line 2 Family/business relationships amongst interested persons David Levenson, Gina Birchall, Kartik Sakthivel, Janine Epright, and Tina Beckwith - Business relationship Form 990, Part VI, Line 6 Classes of members or stockholders The corporation's classes and qualifications for section members are as follows: The LIMRA section HAS FOUR CLASSES OF MEMBERS: (1) REGULAR MEMBERSHIP IN THE CORPORATION SHALL BE LIMITED TO LEGAL RESERVE LIFE INSURANCE COMPANIES DOMICILED IN THE UNITED STATES OR CANADA. (2) INTERNATIONAL MEMBERSHIP IN THE CORPORATION SHALL BE LIMITED TO LEGAL RESERVE LIFE INSURANCE COMPANIES DOMICILED OUTSIDE THE UNITED STATES OR CANADA. (3) AFFILIATED MEMBERSHIP IN THE CORPORATION SHALL BE LIMITED TO FINANCIAL SERVICE ORGANIZATIONS THAT CREATE, MARKET, SELL AND/OR OTHERWISE DISTRIBUTE AT LEAST ONE OR MORE FINANCIAL PRODUCTS AND ARE NOT LEGAL RESERVED LIFE INSURANCE COMPANIES, REGARDLESS OF WHETHER THEY ARE OR ARE NOT RELATED TO AND/OR OWNED BY ANY CURRENT MEMBER(S) OF THE CORPORATION. (4) ASSOCIATE MEMBERSHIP IN THE CORPORATION HAS THREE LEVELS: ASSOCIATE MEMBER. ASSOCIATE (EQUITY RESEARCH). THESE MEMBERS SHALL INCLUDE ANY CORPORATION, ASSOCIATION OR SOCIETY ENGAGED IN THE BUSINESS OF CONDUCTING EQUITY RESEARCH AND PROVIDING DETAILED ANALYSIS INTO A COMPANY, ENTITY OR THE LIFE INSURANCE AND/OR FINANCIAL SERVICES INDUSTRY SECTORS FOR THE INTENDED USE BY PRIVATE EQUITY FIRMS AND INVESTMENT BANKS TO VALUE COMPANIES FOR, BUT NOT LIMITED TO, MERGERS, LEVERAGE BUY OUTS, INITIAL PUBLIC OFFERINGS. THIS QUALIFICATION IS SPECIFICALLY FOR ORGANIZATIONS THAT ARE NOT PART OF A FINANCIAL SERVICES ORGANIZATION ELIGIBLE FOR MEMBERSHIP THROUGH EITHER THE REGULAR MEMBER OR AFFILIATED MEMBER QUALIFICATIONS. ASSOCIATE (SERVICE). THESE MEMBERS SHALL INCLUDE ANY CORPORATION, ASSOCIATION OR SOCIETY WHICH IS IN GOOD STANDING, QUALIFIED TO DO BUSINESS AND WHICH BY THE NATURE OF ITS WORK, SHARES THE COMMON INTEREST OR PROVIDES PRODUCTS AND SERVICES TO THE INSURANCE OR FINANCIAL SERVICES INDUSTRY. ASSOCIATE (CONSULTING). THESE MEMBERS SHALL INCLUDE ANY CONSULTING ORGANIZATION WHICH IS IN GOOD STANDING AND PROVIDES MANAGEMENT CONSULTING SERVICES TO THE INSURANCE OR FINANCIAL SERVICES INDUSTRY. The LOMA section shall have the following classes of members: Member (U.S. and Canada). These members shall include any corporation, association or society engaged in a life insurance business which is in good standing, qualified to do business and domiciled in the United States or Canada. International Member. These members shall include any corporation, association or society engaged in an insurance business which is in good standing and qualified to do business and domiciled in a country other than the United States or Canada. Affiliate Member. These members can be one of three categories: Affiliate (Insurance). These members shall include any corporation, association or society, other than any corporation, association or society that qualifies as an International Member, engaged in an insurance business other than life. These members would also include businesses engaged in underwriting, administering, marketing or selling insurance. Affiliate (Service). These members shall include any individual, corporation, association or society which is in good standing, qualified to do business and which by the nature of its work, shares the common interest or provides products and services to the insurance or financial services industry. Affiliate (Academic). These members shall include any educational institution which is in good standing and has an interest. Form 990, Part VI, Line 7a Members or stockholders electing members of governing body VOTING MEMBERS CAN ELECT and remove ONE OR MORE MEMBERS OF THE GOVERNING BODY and have the option to fill any vacancies on the board. Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders EACH REGULAR MEMBER AND INTERNATIONAL MEMBER OF THE CORPORATION IN GOOD STANDING SHALL BE ENTITLED TO ONE VOTE ON MATTERS SUBMITTED TO MEMBERS FOR ACTION AND SHALL HAVE FULL RIGHTS AND PRIVILEGES OF MEMBERSHIP AND SHALL BE REFERRED TO HEREIN AS THE "VOTING MEMBERS." AFFILIATE AND ASSOCIATE MEMBERS SHALL HAVE NO VOTING RIGHTS BUT SHALL BE ENTITLED TO SUCH RIGHTS AND PRIVILEGES OF MEMBERSHIP AS THE BOARD OF DIRECTORS MAY FROM TIME TO DETERMINE AND SHALL BE REFERRED TO HEREIN AS "NON-VOTING MEMBERS." Form 990, Part VI, Line 11b Review of form 990 by governing body The form 990 is prepared by an outside accounting firm and is reviewed by management before filing. The return will be provided to the full board of directors at a regularly scheduled board meeting after the filing date. Form 990, Part VI, Line 12c Conflict of interest policy THE COMPANY HAS AN ETHICS COMMITTEE WHICH IS COMPRISED OF COMPANY OFFICIALS IN POSITIONS OF SENIOR MANAGEMENT OR WITH ACCESS TO SENIOR MANAGEMENT. IN ADDITION TO THESE INTERNAL RESOURCES FOR REPORTING AN ETHICS CONCERN, COMPANY EMPLOYEES MAY ALSO ELECT TO SUBMIT AN ETHICS CONCERN TO INTOUCH, THE COMPANY'S EXTERNAL HOTLINE PROVIDER. ALL EMPLOYEE CONCERNS REPORTED TO THE COMPANY DIRECTLY OR THROUGH THE EXTERNAL REPORTING HOTLINE SERVICE WILL BE REVIEWED AND INVESTIGATED AS APPROPRIATE. THE PURPOSE OF THE CONFLICT OF INTEREST POLICY IS TO PROTECT THE INTEREST OF THE ORGANIZATION WHEN IT IS CONTEMPLATING ENTERING INTO A TRANSACTION OR ARRANGEMENT THAT MIGHT BENEFIT THE PRIVATE INTEREST OF AN OFFICER OR DIRECTOR OF THE ORGANIZATION OR MIGHT RESULT IN A POSSIBLE EXCESS BENEFIT TRANSACTION. Form 990, Part VI, Line 15b Process to establish compensation of other employees REGARDING THE DETERMINATION OF COMPENSATION, THERE ARE DIFFERENT GROUPS WHO RECOMMEND, REVIEW AND APPROVE EACH AREA. THE OVERALL COMPENSATION BUDGET IS RECOMMENDED BY HR AND APPROVED BY THE CEO AND BOARD OF DIRECTORS. MERIT INCREASES ARE RECOMMENDED BY BUSINESS UNIT HEADS, CEO, AND THE IMMEDIATE SUPERVISOR/MANAGER. THE INCREASES ARE THEN REVIEWED BY HUMAN RESOURCES, BUSINESS UNIT HEADS, AND BOARD OF DIRECTORS. ONCE A FINAL DECISION IS MADE, COMPENSATION IS APPROVED BY HUMAN RESOURCES, BUSINESS UNIT HEADS, AND BOARD OF DIRECTORS. PERFORMANCE BONUSES ARE RECOMMENDED BY BUSINESS UNIT HEADS, CEO, AND THE IMMEDIATE SUPERVISOR/MANAGER THEN REVIEWED BY HUMAN RESOURCES AND THE CEO. THE CEO GETS FINAL APPROVAL. INCENTIVE COMPENSATION IS CALCULATED USING A FORMULA DRIVEN BY INCENTIVE COMPENSATION PLANS AND ANNUAL RESULTS. THE CALCULATION IS REVIEWED BY HR THEN APPROVED COMPENSATION PLAN, THE COMPENSATION AND BENEFIT COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS MARKET DATA AND MAKES RECOMMENDATIONS BASED ON THE LONG AND SHORT-TERM INTERESTS OF THE COMPANY AND ITS MEMBERS. THE CHAIR OF THE BOARD OF DIRECTOR'S TAKES THE LEAD ON DISCUSSING AND NEGOTIATING COMPENSATION WITH THE CEO BASED ON THE INPUT FROM THE COMPENSATION AND BENEFIT COMMITTEE. Form 990, Part VI, Line 19 Required documents available to the public THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST FOR LEGITIMATE BUSINESS REASONS. Form 990, Part XI, Line 9 Other changes in net assets or fund balances OTHER ADJUSTMENT - -28649; Total - -28649; LL GLOBAL EDUCATION FOUNDATION INC 300 Day Hill Rd Windsor CT 06095 202458799 Promote education in THE INSUANCE INDUSTRY CT 501(c)(3) 7 LL Global Inc true LL GLOBAL SERVICES INC 300 DAY HILL ROAD WINDSOR CT 06095 061638159 PROVIDES SERVICES TO THE INSURANCE INDUSTRY CT LL GLOBAL INC C Corporation 1 true LL Global Services (S) PTE LTD 160 Robinson Road 28-10 Singapore Business Federation Cente SN 068914 PROVIDES SERVICES TO THE INSURANCE INDUSTRY SN LL GLOBAL SERVICES INC C Corporation 1 true ERJI BUSINESS CONSULTING (BEIJING) CO LTD B115 EAST TOWER 10F NO12 JIA CHAOYANG DISTRICT beijing CH 100022 PROVIDES SERVICES TO THE INSURANCE INDUSTRY CH LL GLOBAL SERVICES INC C Corporation 1 true false false false false false false false false false false false true true true true false true false false LL Global Services Inc O 4164077 Cost LL Global Services Inc Q 23989661 COST LL Global Services (S) PTE LTD Q 466784 COST