2013-07-29T12:51:15-05:00 2012-12-31 ROYAL NEIGHBORS OF AMERICA 230 16TH STREET ROCK ISLAND IL 61201 990 2012-01-01 361711198 Royal Neighbors of America ROYA 3097884561 230 16th Street Rock Island IL 61201 Susan E Mack 3097884561 2013-05-14 Forrest Miller P01695490 3097328261 2013-07-29 2012 2016-02-24 21:20:13Z Royal Neighbors of America 230 16th Street Rock Island IL 61201 318566872 false false X www.royalneighbors.org X 1895 IL Provide women and those they care about with valuable insurance products, financial education, member benefits and services, and opportunities to connect with each other and their communities through a lodge system. 11 9 150 28101 0 0 69828039 76754393 39428397 61936268 977857 1020595 110234293 139711256 285749 188087 68143324 86328447 29719682 29176403 0 0 12622838 14851372 110771593 130544309 -537300 9166947 792485851 831334323 581004276 624927407 211481575 206406916 Provide women and those they care about with valuable insurance products, financial education, member benefits and services, and opportunities to connect with each other and their communities through a lodge system. 126527652 4a. Insurance Benefits Programs: Insurance activities and benefits in accordance with the terms of Life, Annuity, and Accident and Health Certificates. 4016656 188087 4b. Membership benefit programs, Fraternal activities and benefits for adult and youth members, and charitable and community service activities. 130544308 false false false false false false false true true true false true true false false false false false false false false false false false false false true true false false false false false false false false false false false true true true false true 0 0 true 150 true false false false false false false X 11 9 false false false false true true false true true false true true true true true true true true true true false X Susan Mack Secretary 3097884561 230 16th Street Rock Island IL 61201 Joyce Elam 2.00 X 64385 0 0 Benet DeBerrySpence 2.00 X 57385 0 0 Patsy Kneller 2.00 X 62135 0 0 Patricia Gibford 2.00 X 68135 0 0 Wan Ling Martello 2.00 X 36135 0 0 V Sue Molina 2.00 X 73385 0 0 Susan Waring 2.00 X 63385 0 0 Linda Neuman 2.00 X 41135 0 0 Ruth McGregor 2.00 X 17000 0 0 Nancy Hanna 2.00 X 68885 0 0 Estella Vallejo 2.00 X 21000 0 0 Cynthia Tidwell 38.00 X X 745059 0 0 Bruce Peterson 38.00 X 240598 0 0 Marc Schoenfeld 38.00 X 371983 0 0 Chris Seistrup 38.00 X X 291079 0 0 Kristin McDaniel 38.00 X 235561 0 0 Brian Haynes 38.00 X 331821 0 0 Mary Staver 38.00 X 188788 0 0 Jon Lucia 38.00 X 263272 0 0 Curtis Zeck 38.00 X 185738 0 0 Randall Rogers 38.00 X 174565 0 0 Steven Snowbeck 38.00 X 166154 0 0 John Friederich 38.00 X 155176 0 0 Deborah Wesenberg 38.00 X 141592 0 0 Steven Knight 38.00 X 128943 0 0 4193294 23 true true false Senior Advisor Services and Insurance Services 11551 Forest Central Dr Suite 200 Dallas TX 75243 Insurance Sales 680765 American Senior Benefits 8400 W 110th St Ste 220 Overland Park KS 66210 Insurance Sales 247235 Cuso Financial Services Inc 10455 Sorrento Valley 210 San Diego CA 92121 Insurance Sales 181878 Asurea Wholesale Ins Services Inc 3010 Lava Ridge Ct Ste 200 Roseville CA 95661 Insurance Sales 174278 AIMC 1360 Redmond Circle Rome GA 30165 Medical Supp 4481920 9 Premium Income 524113 69314880 69314880 Allowance on Reinsurance 524113 7387861 7387861 Other Income 524113 51652 51652 76754393 30507802 30507802 1020595 1020595 1020595 1020595 210284082 178855616 31428466 31428466 31428466 139711256 139711256 188087 86328447 2221683 24709979 1406447 137777 700517 416118 78552 161344 332471 435152 1167697 1156776 1193014 476944 547536 1174121 171924 TPA Fees and Allowance 2808624 Inc in Loading on Deferred & Uncollected Premiums 851108 Sundry General Expenses 730307 Inspection Report Fees 637140 2512544 130544309 155212 2449285 4260732 47167263 8633798 2949856 6896468 5683942 518482999 418959367 93475186 186049715 169215254 171024751 792485851 831334323 2525200 4010522 578479076 620916885 581004276 624927407 X 211481575 206406916 211481575 206406916 792485851 831334323 X 9166947 -14241606 X false true true false 558342 9358 77322 645022 547505 12239 -1402 558342 468663 15015 63827 547505 407046 18206 43411 468663 1.00000 true true 400000 331350 731350 4483171 2614897 2377542 4720526 804379 572314 232065 1 1 5683942 Bonds-Privately Placed 182555426 C Other Long Term Inv. 3494289 C 186049715 Interest Acc on Bonds, Stocks, Loans & Inv Assets 8383486 Uncollected Prem and Agent Balances 167407 Deferred Prems, Agent Balances net yet due 9360901 Amounts Recoverable from Reinsurers 3026372 Mortgage Loans 136485075 Certificate Loans 13447112 457(b) Plan Assets 154398 171024751 Aggregate reserve for Life Cer 563414525 Aggregate reserve for A&H 839986 Liab for Deposit-Type Contract 15956580 Contract Claims: Life 5009334 Contract Claims; A&H 414874 Ref payable appor. for payment 1470000 Prem and Adv Annuity consider 103230 Due to/from MOO Prem 3528596 Int Maint Reserve 13019012 Comm to field work due $ accru 93013 Remit & items not allowed 483343 Asset Val Reserve 9906751 Int Def benefit pymts 317436 Pension Liability 6030432 457(b) Liability 154398 Amts W/H by Soc as Agent 175375 620916885 Sch D Part V Line 4: The intended use of the endowment funds is to generate earnings to provide a stable fund to support on-going programs in furtherance of the mission of the Royal Neighbors Foundation. true Scholarships 69 177250 Fraternal Aid Assistance 43 10838 Scholarships are awarded to recipients who meet individual criteria for specific scholarships upon submission of an application. All applications are reviewed for qualifications. Scholarship files are maintained for each recipient. All payments are made directly to the institution attended by the recipient. Fraternal Aid applications are received and tracked with the membership application system. All applicants need to be a Royal Neighbor member and have experienced an extreme case of need due to illness, accident, or property loss not covered by insurance. Applicants must apply for aid within six months following need. X true true X X X X X true Cynthia Tidwell 372606 273441 99012 745059 Bruce Peterson 190008 50590 240598 Marc Schoenfeld 92308 50000 229675 371983 Chris Seistrup 218133 72946 291079 Kristin McDaniel 182774 52787 235561 Brian Haynes 63628 149496 118697 331821 Mary Staver 144037 44751 188788 Jon Lucia 186928 76344 263272 Curtis Zeck 154690 31048 185738 Randall Rogers 162558 12007 174565 Steven Snowbeck 166154 166154 John Friederich 139251 15925 155176 Deborah Wesenberg 127061 14531 141592 Steven Knight 115710 13233 128943 1a: Tax gross-up payment for all nine independent directors for the annuity purchase portion of their compensation. This benefit was treated as taxable compensation. 4a: Brian Haynes was paid $118,696.50 in 2012 as a severance payment. Part VI, Line 6: Royal Neighbors of America is an I.R.C. Section 501(c)(8) fraternal benefit society, organized under the laws of Illinois applicable to fraternal benefit societies. As such, Royal Neighbors has members, but no stockholders, and is organized solely for the benefit of its members and their beneficiaries. Part VI, Line 7a: The adult beneficial members of Royal Neighbors of America elect 9 of the 11 members of the governing body in a direct election by mail as authorized by Royal Neighbors of America's bylaws and by the Illinois laws applicable to fraternal benefit societies. Part VI, Line 11a: The Form 990 is reviewed by the chair of Royal Neighbors of America's Audit Committee and then the Form 990 is emailed to each member of the governing body for review prior to the filing of the Form 990. Part VI, Line 12c: Royal Neighbors of America's conflict of interest policy requires annual certification by all officers, directors, and key employees, among others, regarding compliance with the conflicts of interest policy, including disclosure of matters that could give rise to conflicts. These matters are reported to the Governance Committee and, if applicable, the Audit Committee. Part VI, Line 15a and 15b: The compensation of Royal Neighbors of America's CEO and other officers and key employees, among others, is approved by the governing body following review and recommendation by the compensation committee, composed entirely of outside (independent) directors of Royal Neighbors of America. The Compensation Committee process includes a review of comparability data. The deliberations and decisions of the Compensation Committee and the governing body are contemporaneously substantiated through written minutes. Part VI, Line 18: Royal Neighbors of America makes its Form 990 available for public inspection upon request at its office and by mail upon written request. Part VI, Line 19: Royal Neighbors of America makes its Articles of Incorporation, Bylaws, and annual financial information (including summarized financial statements) available to the public on its website. The annual financial information is also mailed to the members in the Royal Neighbors magazine. Royal Neighbors of America's conflict of interest policy is available upon request. Part XI, Line 9: The $-14,241,606 change in net assets or fund balances is itemized as follows: $-12,007,008 change in net unrealized capital gains, $-1,502,792 change in non-admitted assets, $1,052,193 change in asset valuation reserve, $-1,783,999 change in pension valuation. Part XII, Line 2c: No change in process or oversight. Royal Neighbors Foundation 230 16th Street Rock Island IL 61201 352164486 Provides Financial Assistance To Those In Need IL 501(c)(3) 9 N/A false RNA Real Estate Holdings Inc 230 16th Street Rock Island IL 61201 263795126 Title Holding Company AZ 501(c)(2) N/A false American Frat Financial 230 16th St Rock Island IL 61201 411928104 Insurance Brokerage IL N/A C Corp 85080 697753 1.00000 false true true true