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Nonprofit · EIN 81-0360771

MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION

Tax-exempt · ADEL, IA 50003

Financials

$1.2M$373K2023$2.4M$1.1M2024$537K$981K2025
Revenue Expenses · by fiscal year end
Financials of MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$537,398$981,315-$443,917$10,462,229$1,108,626$9,353,603
December 31, 2024990$2,382,346$1,125,533$1,256,813$10,906,146$1,538,224$9,367,922
December 31, 2023990$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.

NameTitleHours / weekCompensation
LORI GEADELMANNEXECUTIVE DIRECTOR
Officer
20$107,000
ASHLEE STRONGDIRECTOR-PUBLIC MEMBER
Trustee or director
1$0
LESLEY VON ESCHENDIRECTOR-PUBLIC MEMBER
Trustee or director
1$0
STANDARD INSURANCE COMPANYBOARD CHAIR
Institutional trustee
1$0
BLUE CROSS AND BLUE SHIELD OF MONTANATREASURER/SECRETARY
Institutional trustee
1$0
FARM BUREAU LIFE INSURANCE COMPANYDIRECTOR
Institutional trustee
1$0
UNITED HEALTHCARE INSURANCE COMPANYDIRECTOR
Institutional trustee
1$0
MOUNTAIN HEALTH CO-OPDIRECTOR
Institutional trustee
1$0
NORTHWESTERN MUTUAL LIFE INSURANCE CODIRECTOR
Institutional trustee
1$0
990 for the year ended December 31, 2024: 10 people
NameTitleHours / weekCompensation
JANICE VANRIPEREXECUTIVE DIRECTOR
Officer
20$147,982
LORI GEADELMANNEXECUTIVE DIRECTOR
Officer
20$34,044
ASHLEE STRONGDIRECTOR-PUBLIC MEMBER
Trustee or director
1$0
LESLEY VON ESCHENDIRECTOR-PUBLIC MEMBER
Trustee or director
1$0
FARM BUREAU LIFE INSURANCE COMPANYDIRECTOR
Institutional trustee
1$0
STANDARD INSURANCE COMPANYDIRECTOR
Institutional trustee
1$0
BLUE CROSS AND BLUE SHIELD OF MONTANATREASURER/SECRETARY
Institutional trustee
1$0
UNITED HEALTHCARE INSURANCE COMPANYDIRECTOR
Institutional trustee
1$0
MOUNTAIN HEALTH CO-OPDIRECTOR
Institutional trustee
1$0
ALLEGIANCE COMPANIESDIRECTOR
Institutional trustee
1$0
990 for the year ended December 31, 2023: 9 people
NameTitleHours / weekCompensation
JANICE VANRIPEREXECUTIVE DIRECTOR
Officer
20$151,073
ASHLEE STRONGDIRECTOR-PUBLIC MEMBER
Trustee or director
1$0
LESLEY VON ESCHENDIRECTOR-PUBLIC MEMBER
Trustee or director
1$0
FARM BUREAU LIFE INSURANCE COMPANYDIRECTOR
Institutional trustee
1$0
STANDARD INSURANCE COMPANYDIRECTOR
Institutional trustee
1$0
ALLEGIANCE COMPANIESDIRECTOR
Institutional trustee
1$0
BLUE CROSS AND BLUE SHIELD OF MONTANADIRECTOR
Institutional trustee
1$0
UNITED HEALTHCARE INSURANCE COMPANYDIRECTOR
Institutional trustee
1$0
MOUNTAIN WEST HEALTH CO-OPDIRECTOR
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
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.

990 for the year ended December 31, 2025

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 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

FormYear endedRevenueExpensesAssetsReturn
990December 2025$537,398$981,315$10,462,229IRS
990December 2024$2,382,346$1,125,533$10,906,146XML
990December 2023$1,152,794$373,396$9,649,333XML
990December 2022$436,269$339,009$8,869,935IRS
990December 2021–––IRS
990December 2020–––IRS
990December 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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