2025-06-25T18:45:30-04:00 2024-12-31 208019714 JDS PROFESSIONAL GROUP 10303 E DRY CREEK RD STE 400 ENGLEWOOD CO 80112 990 2024-01-01 840350916 WSA FRATERNAL LIFE WSAF 3034511494 PO BOX 351920 WESTMINSTER CO 800351920 RANDY FUSS PRES/CEO 3034511494 2025-06-23 true false LORI B BAUER CPA P01260252 3037710123 2025-06-23 2024 2025-03-06 01:10:19Z RANDY FUSS PO BOX 351920 WESTMINSTER CO 800351920 2454661 false X WWW.WSALIFE.COM X 1908 CO FRATERNAL BENEFIT SOCIETY 7 6 6 50 0 0 223916 172049 2394005 1986142 223097 198478 2841018 2356669 0 1437979 1317937 856904 705086 0 0 631268 391872 2926151 2414895 -85133 -58226 40802424 39916405 32438113 31694247 8364311 8222158 FRATERNAL BENEFIT SOCIETY false false PROVIDERS OF LIFE INSURANCE TO MEMBERS. W.S.A. FRATERNAL LIFE HAS BEEN OPERATED SOLELY FOR THE MUTUAL BENEFIT OF ITS MEMBERS AND THEIR BENEFICIARIES AND NOT FOR PROFIT THROUGH SUBORDINATE LODGES. false false false false false false false false false true false false false true false true false false false false false false false false false false false false false false true false true false false false false false false false false false false true 517 0 true 6 true false false false false false false false false X 7 6 true false false false true true false true true false true true true true true true true true true true false X THE ORGANIZATION 3034511494 PO BOX 351920 WESTMINSTER CO 800351920 JOHN KOGOVSEK CHAIR 1.00 X X 7500 0 0 DIANA BARTOLO VICE CHAIR 1.00 X X 3000 0 0 GARY MOORE SEC/TREAS 1.00 X X 10000 0 0 ROGER LEWIS THRU 123124 DIRECTOR 1.00 X 3000 0 0 CYNTHIA CONTE DIRECTOR 1.00 X 3000 0 0 LISA POVICH DIRECTOR 1.00 X 3000 0 0 MICHEAL OSBORN THRU 73124 DIRECTOR 1.00 X 1750 0 0 ROCCO SANTANGELO DIRECTOR 1.00 X 3000 0 0 RANDY FUSS PRES/CEO 40.00 X X 94722 0 11000 KRISTINA SCRIBNER VP OPER. 40.00 X 97277 0 11000 226249 22000 false false false PREMIUMS AND ANNUITY 172049 172049 172049 1986142 1986142 284866 97992 186874 186874 186874 AMORTIZATION OF IMR 11604 11604 11604 2356669 183653 2173016 1317937 1317937 248249 248249 381468 381468 18525 18525 14808 14808 42036 42036 127747 127747 333 333 32617 32617 100628 100628 962 962 13930 13930 AGGREGATE WRITE INS 48970 48970 STATE INS DEPT FEES 33491 33491 REAL ESTATE EXPENSES 17528 17528 OTHER INVESTMENT EXPENSE 7173 7173 8493 8493 2414895 2414895 0 0 1183854 1812067 7818 8423 19990337 20315559 3511571 3130096 3511571 16176520 13988273 313799 280512 40802424 39916405 32438113 31694247 32438113 31694247 X 8364311 8222158 8364311 8222158 40802424 39916405 X -58226 -83927 X false true X true 140 140 3511431 3511431 3511571 AGGR. RES. FOR LIFE CERT/CONTR 27623900 LIABILITY FOR DEPOSIT TYPE CONTRACTS 1659180 CERTIFICATE & CONTRACT CLAIMS 985555 ASSET VALUATION RESERVE 725528 TRUSTEE AND AGENCY AMOUNTS 342171 ACCRUED EXPENSES 252070 CERT. & CONTRACT LIAB. - IMR 87068 ADVANCE PYMTS-PREMIUM ANNUITY 9382 AGGREGATE WRITE-INS FOR LIABILITIES 5893 PROVISION FOR REFUNDS PAYABLE 3500 31694247 2087326 -83927 -83927 2171253 185416 185416 2356669 2229479 2229479 185416 185416 2414895 SCHEDULE D, PAGE 4, PART XI, LINE 2D CHANGE IN AVR -139,163 CHANGE IN NON-ADMITTED ASSETS AND RELATED ITEMS 129,838 CHANGE IN DEFERRED INCOME TAX -74,602 SCHEDULE D, PAGE 4, PART XI, LINE 4B RECLASS BETWEEN REVENUE/EXPENSE-INVESTMENT EXPENSES 185,416 SCHEDULE D, PAGE 4, PART XII, LINE 4B RECLASS BETWEEN REVENUE/EXPENSE-INVESTMENT EXPENSES 185,416 MARY JOY KOGOVSEK RELATED BOARD MEMBER CONTRACT LOAN X 3787 false false true GARY ROBERT POVICH RELATED BOARD MEMBER CONTRACT LOAN X 3431 false false true LISA POVICH BOARD MEMBER CONTRACT LOAN X 1205 false false true 8423 GARY MOORE SEC/TREASURER 10000 CONSULTING FOR FINAN false SCHEDULE L, PART V LOANS TO GARY POVICH, LISA POVICH & MARY JOY KOGOVSEK ARE AVAILABLE PER THEIR CERTIFICATE CONTRACTS. GARY MOORE (SECRETARY-TREASURER) IS PAID A BASE COMPENSATION AS DIRECTOR FOR THE ORGANIZATION OF 3,000. HE PAID AN ADDITIONAL 7,000 FOR HIS ROLE ON THE FINANCE COMMITTEE. FORM 990, PAGE 6, PART VI, LINE 2 RANDY FUSS KRISTINA SCRIBNER PRES/CEO VP OPER OWN RE JOINTLY/SHARE RESIDENCE FORM 990, PAGE 6, PART VI, LINE 6 ANYONE PURCHASING A LIFE INSURANCE OR ANNUITY PRODUCT FROM WSA FRATERNAL LIFE BECOMES A MEMBER (SUBJECT TO UNDERWRITING). FORM 990, PAGE 6, PART VI, LINE 7A ELECTION OF THE MEMBERS OF THE GOVERNING BODY IS BY REFERENDUM. ALL CERTIFICATE HOLDERS OVER AGE 18 ARE ELIGIBLE TO VOTE FOR MEMBERS OF THE GOVERNING BODY FORM 990, PAGE 6, PART VI, LINE 11B A COPY OF FORM 990 IS PROVIDED TO THE FINANCE COMMITTEE FOR REVIEW PRIOR TO FILING. FORM 990, PAGE 6, PART VI, LINE 12C CONFLICT OF INTEREST STATEMENTS ARE COMPLETED AND REVIEWED ANNUALLY. IN ADDITION, POTENTIAL CONFLICTS OF INTEREST ARE REQUIRED TO BE DISCLOSED TO THE BOARD FOR REVIEW AS THEY ARISE. CONFLICT OF INTEREST DISCLOSURES ARE HANDLED ON A CASE BY CASE BASIS. FORM 990, PAGE 6, PART VI, LINE 15A TOP MANAGEMENT COMPENSATION IS DETERMINED BY THE ADMINISTRATIVE COMMITTEE USING SALARY SURVEY DATA. FORM 990, PAGE 6, PART VI, LINE 15B OFFICE AND KEY EMPLOYEE COMPENSATION IS DETERMINED BY THE ADMINISTRATIVE COMMITTEE USING SALARY SURVEY DATA. FORM 990, PAGE 6, PART VI, LINE 19 THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9 CHANGE IN AVR -139,163 CHANGE IN NON-ADMITTED ASSETS AND RELATED ITEMS 129,838 CHANGE IN DEFERRED INCOME TAX -74,602 RECLASS BETWEEN REVENUE/EXPENSE-INVESTMENT EXPENSES -185,416 RECLASS BETWEEN REVENUE/EXPENSE-INVESTMENT EXPENSES 185,416 TOTAL -83,927