MONTANA AMATEUR HOCKEY ASSOCIATION INC: Form 990EZ, tax year 2017
View the entire original 990 at ProPublica ↗
- Organization
- MONTANA AMATEUR HOCKEY ASSOCIATION INC (EIN 82-0580433)
- Tax period
- 2017-07-01 to 2018-06-30
- Filed
- 2019-10-01
- IRS object ID
- 201902749349200635
- Schema version
- 2017v2.3
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2019-10-01T17:06:59-05:00 | ReturnTs |
| Tax Period End | 2018-06-30 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 810385940 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ANDERSON ZURMUEHLEN & CO PC | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 20435 | AddressLine1Txt |
| City | BILLINGS | CityNm |
| State Abbreviation | MT | StateAbbreviationCd |
| ZIP | 591040435 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990EZ | ReturnTypeCd |
| Tax Period Begin | 2017-07-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 820580433 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | MONTANA AMATEUR HOCKEY ASSOCIATION INC | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | MONT | BusinessNameControlTxt |
| Phone | 4064594901 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2600 QUEEN ST | AddressLine1Txt |
| City | MISSOULA | CityNm |
| State Abbreviation | MT | StateAbbreviationCd |
| ZIP | 59801 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | MIKE MCINTOSH | PersonNm |
| Person Title | PRESIDENT | PersonTitleTxt |
| Phone | 4064594901 | PhoneNum |
| Signature | 2019-09-19 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | DANIEL S MILLER CPA | PreparerPersonNm |
| PTIN | P00031554 | PTIN |
| Phone | 4062455136 | PhoneNum |
| Preparation | 2019-09-19 | PreparationDt |
Filing Security Information FilingSecurityInformation
IP Address IPAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| I Pv4 Address | 71.92.235.236 | IPv4AddressTxt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IP | 2019-09-19 | IPDt |
| IP Tm | 15:40:14 | IPTm |
| IP Timezone | MD | IPTimezoneCd |
| Filing License Type | P | FilingLicenseTypeCd |
| At Submission Creation Device Id | 1214AAEAA5B6572C35D506F568D8C8658F79790B | AtSubmissionCreationDeviceId |
| At Submission Filing Device Id | EFEFEAF8C4FC48040C241E4FBCC1DEFB2EF21ECA | AtSubmissionFilingDeviceId |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2017 | TaxYr |
| Build TS | 2019-02-21 02:37:17Z | BuildTS |
Form 990-EZ IRS990EZ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Method Of Accounting Cash | Yes (X) | MethodOfAccountingCashInd |
| Schedule B Not Required | Yes (X) | ScheduleBNotRequiredInd |
| Website Address | WWW.MTHOCKEY.COM | WebsiteAddressTxt |
| Organization501c3 | Yes (X) | Organization501c3Ind |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Gross Receipts | $86,234 | GrossReceiptsAmt |
| Info In Schedule O Part I | Yes (X) | InfoInScheduleOPartIInd |
| Contributions Gifts Grants Etc | $20,464 | ContributionsGiftsGrantsEtcAmt |
| Program Service Revenue | $27,000 | ProgramServiceRevenueAmt |
| Membership Dues | $38,582 | MembershipDuesAmt |
| Investment Income | $188 | InvestmentIncomeAmt |
| Total Revenue | $86,234 | TotalRevenueAmt |
| Grants And Similar Amounts Paid | $22,675 | GrantsAndSimilarAmountsPaidAmt |
| Benefits Paid To Or For Members | $24,809 | BenefitsPaidToOrForMembersAmt |
| Fees And Other Pymt To Ind Cntrct | $840 | FeesAndOtherPymtToIndCntrctAmt |
| Printing Publications Postage | $69 | PrintingPublicationsPostageAmt |
| Other Expenses Total | $44,990 | OtherExpensesTotalAmt |
| Total Expenses | $93,383 | TotalExpensesAmt |
| Excess Or Deficit For Year | -$7,149 | ExcessOrDeficitForYearAmt |
| Net Assets Or Fund Balances BOY | $62,178 | NetAssetsOrFundBalancesBOYAmt |
| Other Changes In Net Assets | $10,381 | OtherChangesInNetAssetsAmt |
| Net Assets Or Fund Balances EOY | $65,410 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part II | Yes (X) | InfoInScheduleOPartIIInd |
Cash Savings And Investments CashSavingsAndInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $62,163 | BOYAmt |
| EOY | $64,910 | EOYAmt |
Other Assets Total Detail OtherAssetsTotalDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $15 | BOYAmt |
| EOY | $500 | EOYAmt |
Form990 Total Assets Form990TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $62,178 | BOYAmt |
| EOY | $65,410 | EOYAmt |
Sum Of Total Liabilities SumOfTotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Net Assets Or Fund Balances NetAssetsOrFundBalancesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $62,178 | BOYAmt |
| EOY | $65,410 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Primary Exempt Purpose | TO PROMOTE, REGULATE AND GOVERN AMATEUR HOCKEY IN THE STATE OF MONTANA | PrimaryExemptPurposeTxt |
Program Srvc Accomplishment ProgramSrvcAccomplishmentGrp (3 entries)
| Description Program Srvc AccomDescriptionProgramSrvcAccomTxt | Grants And AllocationsGrantsAndAllocationsAmt | Program Service ExpensesProgramServiceExpensesAmt |
|---|---|---|
| REGISTER TEAMS WITH USA HOCKEY, REGULATE LEAGUE PLAY IN THE STATE OF MONTANA, PROVIDE SUPPORT AND COACHING EDUCATION AND TEAM SPONSORSHIP | $0 | $24,809 |
| MAHA SPONSORS PLAYER DEVELOPMENT PROGRAMS AND TRAINING CAMPS | $0 | $20,642 |
| PROVIDED NEW EQUIPMENT TO VARIOUS AFFILIATED HOCKEY ORGANIZATIONS THROUGHOUT THE STATE. | $0 | $22,676 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $68,127 | TotalProgramServiceExpensesAmt |
Officer Director Trustee Empl OfficerDirectorTrusteeEmplGrp (10 entries)
| TitleTitleTxt | Average Hrs Per Wk Devoted To PosAverageHrsPerWkDevotedToPosRt | CompensationCompensationAmt | Employee Benefit ProgramEmployeeBenefitProgramAmt | Expense Account Other AllwncExpenseAccountOtherAllwncAmt |
|---|---|---|---|---|
| KAREN YOUNG | ||||
| TREASURER | 2.00 | $0 | $0 | $0 |
| SARA GILMORE | ||||
| SECRETARY | 2.00 | $0 | $0 | $0 |
| JASON KINDSETH | ||||
| VICE PRESIDENT | 2.00 | $0 | $0 | $0 |
| MIKE MCINTOSH | ||||
| PRESIDENT | 2.00 | $0 | $0 | $0 |
| RYAN RILEY | ||||
| DIRECTOR | 2.00 | $0 | $0 | $0 |
| TODD PORTER | ||||
| DIRECTOR | 2.00 | $0 | $0 | $0 |
| PETE KAMMAN | ||||
| DIRECTOR | 2.00 | $0 | $0 | $0 |
| KARI RILEY | ||||
| DIRECTOR | 2.00 | $0 | $0 | $0 |
| KIM BUCHANAN | ||||
| DIRECTOR | 2.00 | $0 | $0 | $0 |
| MITCH FERM | ||||
| DIRECTOR | 2.00 | $0 | $0 | $0 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part V | Yes (X) | InfoInScheduleOPartVInd |
| Activities Not Previously Rpt | 0 | ActivitiesNotPreviouslyRptInd |
| Chg Made To Orgnzng Doc Not Rpt | 0 | ChgMadeToOrgnzngDocNotRptInd |
| Organization Had UBI | 0 | OrganizationHadUBIInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Organization Dissolved Etc | 0 | OrganizationDissolvedEtcInd |
| Direct Indirect Pltcl Expend | $0 | DirectIndirectPltclExpendAmt |
| Made Loans To From Officers | 0 | MadeLoansToFromOfficersInd |
| Tax Imposed Under IRC4911 | $0 | TaxImposedUnderIRC4911Amt |
| Tax Imposed Under IRC4912 | $0 | TaxImposedUnderIRC4912Amt |
| Tax Imposed Under IRC4955 | $0 | TaxImposedUnderIRC4955Amt |
| Engaged In Excess Benefit Trans | 0 | EngagedInExcessBenefitTransInd |
| Tax Imposed On Organization Mgr | $0 | TaxImposedOnOrganizationMgrAmt |
| Tax Reimbursed By Organization | $0 | TaxReimbursedByOrganizationAmt |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | KAREN YOUNG | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 6835 PINEY RD | AddressLine1Txt |
| City | BILLINGS | CityNm |
| State Abbreviation | MT | StateAbbreviationCd |
| ZIP | 59106 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 4064594901 | PhoneNum |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Donor Advised Fnds | 0 | DonorAdvisedFndsInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Tanning Services Provided | 0 | TanningServicesProvidedInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Lobbying Activities | 0 | LobbyingActivitiesInd |
| School Operating | 0 | SchoolOperatingInd |
| Trnsfr Exmpt Non Chrtbl Rltd Org | 0 | TrnsfrExmptNonChrtblRltdOrgInd |
| Part VI Of Comp Of Hghst Pd Empl | NONE | PartVIOfCompOfHghstPdEmplTxt |
| Part VI Hghst Pd Cntrct Prof Srvc | NONE | PartVIHghstPdCntrctProfSrvcTxt |
| Filed Schedule A | Yes (1) | FiledScheduleAInd |
Schedule A IRS990ScheduleA
| Field | Value | IRS element (for citing) |
|---|---|---|
| Publicly Supported Org509a2 | Yes (X) | PubliclySupportedOrg509a2Ind |
Gifts Grants Contris Rcvd509 GiftsGrantsContrisRcvd509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $10,739 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $34,721 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $53,672 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $32,337 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $59,046 | CurrentTaxYearAmt |
| Total | $190,515 | TotalAmt |
Gross Receipts Admissions GrossReceiptsAdmissionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $24,524 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus2 Years | $15,180 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $27,974 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $27,000 | CurrentTaxYearAmt |
| Total | $94,678 | TotalAmt |
Total509 Total509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $35,263 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $34,721 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $68,852 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $60,311 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $86,046 | CurrentTaxYearAmt |
| Total | $285,193 | TotalAmt |
Amounts Rcvd Dsqlfy Person AmountsRcvdDsqlfyPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Substantial Contributors Amt SubstantialContributorsAmtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Subst And Dsqlfy Prsns Tot SubstAndDsqlfyPrsnsTotGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $285,193 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $41 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $144 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $145 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $43 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $188 | CurrentTaxYearAmt |
| Total | $561 | TotalAmt |
Investment Income And UBTI InvestmentIncomeAndUBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $41 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $144 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $145 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $43 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $188 | CurrentTaxYearAmt |
| Total | $561 | TotalAmt |
Total Support Calendar Year TotalSupportCalendarYearGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $35,304 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $34,865 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $68,997 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $60,354 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $86,234 | CurrentTaxYearAmt |
| Total | $285,754 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support CY509 | 0.99800 | PublicSupportCY509Pct |
| Public Support PY509 | 0.99840 | PublicSupportPY509Pct |
| Investment Income CY | 0.00200 | InvestmentIncomeCYPct |
| Investment Income PY | 0.00160 | InvestmentIncomePYPct |
| Thirty Thr Pct Suprt Tests CY509 | Yes (X) | ThirtyThrPctSuprtTestsCY509Ind |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (14 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME | DESCRIPTION: INTEREST INCOME. AMOUNT: 188. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: BUTTE AMATEUR HOCKEY ASSOCIATION. AFFILIATE ADDRESS: P.O. BOX 3934 BUTTE, MT 59702. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 1,825. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: HELENA AREA YOUTH HOCKEY. AFFILIATE ADDRESS: P.O. BOX 5022 HELENA, MT 59604. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 1,000. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: MILES CITY YOUTH HOCKEY. AFFILIATE ADDRESS: P.O. BOX 493 MILES CITY, MT 59301. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 3,000. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: GREAT FALLS AMATEUR HOCKEY ASSOCIATION. AFFILIATE ADDRESS: P.O. BOX 507 GREAT FALLS, MT 59403. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 2,000. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: MISSOULA AREA YOUTH HOCKEY ASSOCIATION. AFFILIATE ADDRESS: P.O. BOX 87 MISSOULA, MT 59806. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 3,000. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: HILINE YOUTH HOCKEY ASSOCIATION. AFFILIATE ADDRESS: P.O. BOX 933 GLASGOW, MT 59230. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 2,265. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: HAVRE YOUTH HOCKEY ASSOCIATION. AFFILIATE ADDRESS: 2585 5TH AVE SE HAVRE, MT 59501. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 2,585. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: BOZEMAN AMATEUR HOCKEY ASSOCIATION. AFFILIATE ADDRESS: P.O. BOX 6414 BOZEMAN, MT 59771. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 3,000. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: GLACIER HOCKEY ASSOCIATION. AFFILIATE ADDRESS: PO BOX 905 WHITEFISH, MT 59937. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 1,000. |
| FORM 990-EZ, PART I, LINE 10 - PAYMENTS TO AFFILIATES | AFFILIATE NAME: BILLINGS AMATEUR HOCKEY LEAGUE. AFFILIATE ADDRESS: 427 BENCH BOULEVARD BILLINGS, MT 59105. PURPOSE OF PAYMENT: SUPPORT HOCKEY OPERATIONS. AMOUNT OF PAYMENT: 3,000. TOTAL INCLUDED ON FORM 990-EZ, LINE 10: 22,675. |
| FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES | DESCRIPTION: CAMP EXPENSES. AMOUNT: 20,642. DESCRIPTION: LICENSES & FEES. AMOUNT: 1,187. DESCRIPTION: BACKGROUNDS. AMOUNT: 7,905. DESCRIPTION: MEETINGS/CONFERENCES. AMOUNT: 10,762. DESCRIPTION: REFEREES. AMOUNT: 2,534. DESCRIPTION: SUPPLIES. AMOUNT: 643. DESCRIPTION: MISCELLANEOUS. AMOUNT: 1,317. TOTAL TO FORM 990-EZ, LINE 16: 44,990. |
| FORM 990-EZ, PART I, LINE 20 - OTHER CHANGES IN NET ASSETS | DESCRIPTION: PRIOR PERIOD ADJUSTMENT. AMOUNT: 10,381. |
| FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS | DESCRIPTION: TOURNAMENT BONDS. BEG. OF YEAR AMOUNT: 15. END OF YEAR AMOUNT: 0. DESCRIPTION: ACCOUNTS RECEIVABLE. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 500. |
Transfer Prsnl Bnft Contracts Decl TransferPrsnlBnftContractsDecl
| Field | Value | IRS element (for citing) |
|---|---|---|
| Declaration | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. | DeclarationDesc |