THE INDEPENDENT ORDER OF FORESTERS

Address
789 Don Mills Road
Toronto, Ontario M3C 1T9
CA
Contact
Website: http://www.foresters.com
Phone: +1 (416) 429-3000
Nonprofit
NTEE: Y40 - Fraternal Beneficiary Societies
EIN: 98-0000680

Mission

Foresters Common Bond informs its purpose is to champion the well-being of its members, their families and communities where they live, which it does through quality life insurance, unique member benefits, and inspiring community activities. Foresters is governed by its members.
 20162015201420132012
Basic features of the organization
Year of formation1881
Subsection code08
PF filing required0    
Form of organization
CorporationTrue
Human resources, including compensation
Summary compensation info
Total compensation of current key personnel$8,676,259.00$6,954,810.00$7,201,488.00$9,309,770.00$0.00
Sum of reportable (W2/1099) compensation$11,776,570.00$8,825,691.00$13,888,050.00$12,810,257.00$15,017,026.00
Number of employees72073098910841071
Number of people compensated >$100k131101121179170
Number of volunteers272773685136143241239216
Number of highly compensated contractors248134117123 
Personnel
Ahles, Michael
Title    VP Finance & Administration Insurance Operations
Name of key/compensated person    Michael Ahles
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees    True
Average hours per week working for org    0
Reportable compensation from org    $396,270.00
Breakdown of reportable comp
Base reportable compensation from org    $171,834.00
Bonus and incentive reportable compensation    $206,308.00
Other reportable compensation from org    $18,128.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $463,170.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $396,270.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
Bloom, Bernard
Title    Director
Name of key/compensated person    Bernard Bloom
Position of compensated person
Average hours per week working for org    5
Reportable compensation from org    $165,236.00
Breakdown of reportable comp
Base reportable compensation from org    $165,236.00
Bonus and incentive reportable compensation    $0.00
Other reportable compensation from org    $0.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $195,399.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $165,236.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
Bowden, James
TitleDirectorDirectorDirectorDirector 
Name of key/compensated personJames M BowdenJames M BowdenJames M BowdenJames M Bowden 
Position of compensated person
Average hours per week working for org5555 
Reportable compensation from org$105,400.00$97,000.00$97,281.00$55,946.00 
Breakdown of reportable comp
Base reportable compensation from org$105,400.00$97,000.00$97,281.00$55,946.00 
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00 
Other reportable compensation from org$0.00$0.00$0.00$0.00 
Retirement and other deferred compensation$0.00$0.00$0.00$0.00 
Nontaxable benefits from org$0.00$0.00$0.00$0.00 
Compensation from org previously reported as deferred$97,000.00$97,281.00$55,946.00$0.00 
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00 
Sum of all compensation from org$105,400.00$97,000.00$97,281.00$55,946.00 
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00 
Average hours per week working for related orgs0 00 
Boxendale, Sonia
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personSonia Ameena BoxendaleSonia Ameena BoxendaleSonia Ameena BoxendaleSonia Ameena BoxendaleSonia Ameena Boxendale
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$109,000.00$138,520.00$103,287.00$110,302.00$14,629.00
Breakdown of reportable comp
Base reportable compensation from org$109,000.00$138,520.00$103,287.00$110,302.00$14,629.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$138,520.00$103,287.00$110,302.00$14,629.00$91,940.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$109,000.00$138,520.00$103,287.00$110,302.00$14,629.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Boyko, Peter
TitleVP, Capital ManagementVP, Capital Management   
Name of key/compensated personPeter BoykoPeter Boyko   
Position of compensated person
Average hours per week working for org5050   
Reportable compensation from org$301,882.00$251,678.00   
Breakdown of reportable comp
Base reportable compensation from org$188,150.00$176,240.00   
Bonus and incentive reportable compensation$111,560.00$41,343.00   
Other reportable compensation from org$2,172.00$34,095.00   
Retirement and other deferred compensation$0.00$0.00   
Nontaxable benefits from org$0.00$0.00   
Compensation from org previously reported as deferred$251,678.00$0.00   
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Sum of all compensation from org$301,882.00$251,678.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Average hours per week working for related orgs0    
Brown, Parker
TitleGeneral Counsel, Legal ServicesGeneral Counsel, Legal Services   
Name of key/compensated personParker BrownParker Brown   
Position of compensated person
Average hours per week working for org5050   
Reportable compensation from org$275,105.00$247,163.00   
Breakdown of reportable comp
Base reportable compensation from org$174,736.00$175,842.00   
Bonus and incentive reportable compensation$99,768.00$38,113.00   
Other reportable compensation from org$601.00$33,208.00   
Retirement and other deferred compensation$0.00$0.00   
Nontaxable benefits from org$0.00$0.00   
Compensation from org previously reported as deferred$247,163.00$0.00   
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Sum of all compensation from org$275,105.00$247,163.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Average hours per week working for related orgs0    
Canaran, Pratibha
TitleVP, Strategic Initiatives & Business Planning    
Name of key/compensated personPratibha Canaran    
Position of compensated person
Average hours per week working for org50    
Reportable compensation from org$265,861.00    
Breakdown of reportable comp
Base reportable compensation from org$167,653.00    
Bonus and incentive reportable compensation$96,109.00    
Other reportable compensation from org$2,099.00    
Retirement and other deferred compensation$0.00    
Nontaxable benefits from org$0.00    
Compensation from org previously reported as deferred$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Sum of all compensation from org$265,861.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Average hours per week working for related orgs0    
Cheeseman, Stephen
Title Former General Counsel, Legal ServicesVP & Chief Compliance Officer  
Name of key/compensated person Stephen CheesemanStephen Cheeseman  
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees True   
Average hours per week working for org 050  
Reportable compensation from org $181,185.00$388,264.00  
Breakdown of reportable comp
Base reportable compensation from org $111,340.00$196,991.00  
Bonus and incentive reportable compensation $26,706.00$190,721.00  
Other reportable compensation from org $43,139.00$552.00  
Retirement and other deferred compensation $0.00$0.00  
Nontaxable benefits from org $0.00$0.00  
Compensation from org previously reported as deferred  $0.00  
Other comp, non-reportable, from org and related orgs $0.00$0.00  
Sum of all compensation from org $181,185.00$388,264.00  
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00  
Average hours per week working for related orgs  0  
Crume, George
Title Former Vice President, U.S. SalesNational Sales Director - U.S.National Sales Director - U.S.National Sales Director - U.S.
Name of key/compensated person George CrumeGeorge CrumeGeorge CrumeGeorge Crume
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees True   
Average hours per week working for org 0505050
Reportable compensation from org $405,874.00$422,440.00$435,589.00$520,053.00
Breakdown of reportable comp
Base reportable compensation from org $162,488.00$233,613.00$434,516.00$469,230.00
Bonus and incentive reportable compensation $0.00$187,363.00$0.00$50,000.00
Other reportable compensation from org $243,386.00$1,464.00$1,073.00$823.00
Retirement and other deferred compensation $0.00$0.00$0.00$0.00
Nontaxable benefits from org $0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred $422,440.00$435,589.00$520,053.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Sum of all compensation from org $405,874.00$422,440.00$435,589.00$520,053.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Average hours per week working for related orgs  000
Czarski, Kasia
TitleFormer SVP, Chief Memebership & Marketing OfficerSVP, Chief Membershing & Marketing OfficerSVP, Chief Membership & Marketing OfficerSVP, Chief Membership & Marketing OfficerSVP, Chief Membership & Marketing Officer
Name of key/compensated personKasia CzarskiKasia CzarskiKasia CzarskiKasia CzarskiKasia Czarski
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trusteesTrue    
Average hours per week working for org050505050
Reportable compensation from org$485,721.00$402,904.00$512,630.00$558,466.00$587,387.00
Breakdown of reportable comp
Base reportable compensation from org$237,301.00$237,779.00$267,808.00$279,411.00$279,527.00
Bonus and incentive reportable compensation$243,826.00$84,595.00$144,482.00$272,581.00$300,998.00
Other reportable compensation from org$4,594.00$80,530.00$100,340.00$6,474.00$6,862.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$402,904.00$512,630.00$558,466.00$587,387.00$522,722.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$485,721.00$402,904.00$512,630.00$558,466.00$587,387.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Fox, Dianne
TitleVice President - Insurance OperationsVice President - Insurance Operations   
Name of key/compensated personDianne FoxDianne Fox   
Position of compensated person
Average hours per week working for org5050   
Reportable compensation from org$294,951.00$232,218.00   
Breakdown of reportable comp
Base reportable compensation from org$170,887.00$168,875.00   
Bonus and incentive reportable compensation$121,954.00$24,677.00   
Other reportable compensation from org$2,110.00$38,666.00   
Retirement and other deferred compensation$0.00$0.00   
Nontaxable benefits from org$0.00$0.00   
Compensation from org previously reported as deferred$232,218.00$0.00   
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Sum of all compensation from org$294,951.00$232,218.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Average hours per week working for related orgs0    
Freeborough, Richard
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personRichard FreeboroughRichard FreeboroughRichard FreeboroughRichard FreeboroughRichard Freeborough
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$260,000.00$285,209.00$226,277.00$233,032.00$230,015.00
Breakdown of reportable comp
Base reportable compensation from org$260,000.00$285,209.00$226,277.00$233,032.00$230,015.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$285,209.00$226,277.00$233,032.00$230,015.00$226,313.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$260,000.00$285,209.00$226,277.00$233,032.00$230,015.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Garcia, Anthony
TitlePresident & CEOPresident & CEOPresident & CEO  
Name of key/compensated personAnthony M GarciaAnthony M GarciaAnthony M Garcia  
Position of compensated person
Average hours per week working for org505050  
Reportable compensation from org$1,638,183.00$1,142,050.00$602,962.00  
Breakdown of reportable comp
Base reportable compensation from org$618,962.00$641,096.00$479,159.00  
Bonus and incentive reportable compensation$1,015,025.00$360,352.00$67,904.00  
Other reportable compensation from org$4,196.00$140,602.00$55,899.00  
Retirement and other deferred compensation$0.00$0.00$0.00  
Nontaxable benefits from org$0.00$0.00$0.00  
Compensation from org previously reported as deferred$1,142,050.00$602,962.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00  
Sum of all compensation from org$1,638,183.00$1,142,050.00$602,962.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Average hours per week working for related orgs0 0  
Giffen, Sharon
TitleFormer Senior Vice President, & Chief Risk OfficerSVP, Chief Risk OfficerSVP, Chief Risk OfficerPresident & CEO Foresters Canada CompanyPresident & CEO Foresters Canada Company
Name of key/compensated personSharon GiffenSharon GiffenSharon GiffenSharon GiffenSharon Giffen
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trusteesTrue    
Average hours per week working for org050505050
Reportable compensation from org$491,421.00$615,323.00$727,501.00$778,285.00$795,987.00
Breakdown of reportable comp
Base reportable compensation from org$103,557.00$311,241.00$357,478.00$375,858.00$370,092.00
Bonus and incentive reportable compensation$387,244.00$153,529.00$363,341.00$394,108.00$420,269.00
Other reportable compensation from org$620.00$150,553.00$6,682.00$8,319.00$5,626.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$615,323.00$727,501.00$778,285.00$795,987.00$771,497.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$491,421.00$615,323.00$727,501.00$778,285.00$795,987.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Giles, Jim
TitleForm VP & Chief Investment OfficerVP & Chief Investment OfficerVP & Chief Investment OfficerVP & Chief Investment OfficerVP & Chief Investment Officer
Name of key/compensated personJim GilesJim GilesJim GilesJim GilesJim Giles
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trusteesTrue    
Average hours per week working for org050505050
Reportable compensation from org$214,523.00$330,786.00$498,329.00$503,739.00$363,853.00
Breakdown of reportable comp
Base reportable compensation from org$102,589.00$203,133.00$252,696.00$238,699.00$238,798.00
Bonus and incentive reportable compensation$111,567.00$80,662.00$186,864.00$262,217.00$122,103.00
Other reportable compensation from org$367.00$46,991.00$58,769.00$2,823.00$2,952.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$330,786.00$498,329.00$503,739.00$363,853.00$340,278.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$214,523.00$330,786.00$498,329.00$503,739.00$363,853.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Isabelle, Brian
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personBrian IsabelleBrian IsabelleBrian IsabelleBrian IsabelleBrian Isabelle
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$180,000.00$191,432.00$158,408.00$130,110.00$90,636.00
Breakdown of reportable comp
Base reportable compensation from org$180,000.00$191,432.00$158,408.00$130,110.00$90,636.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$191,432.00$158,408.00$130,110.00$90,636.00$107,712.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$180,000.00$191,432.00$158,408.00$130,110.00$90,636.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Kapadia, Muhul
TitleChief Information Officer & VP, IT & Business Transformation    
Name of key/compensated personMuhul Kapadia    
Position of compensated person
Average hours per week working for org50    
Reportable compensation from org$323,841.00    
Breakdown of reportable comp
Base reportable compensation from org$259,904.00    
Bonus and incentive reportable compensation$63,569.00    
Other reportable compensation from org$368.00    
Retirement and other deferred compensation$0.00    
Nontaxable benefits from org$0.00    
Compensation from org previously reported as deferred$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Sum of all compensation from org$323,841.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Average hours per week working for related orgs0    
Lamoureux, Robert
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personRobert LamoureuxRobert LamoureuxRobert LamoureuxRobert LamoureuxRobert Lamoureux
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$165,000.00$116,743.00$107,887.00$139,614.00$108,343.00
Breakdown of reportable comp
Base reportable compensation from org$165,000.00$116,743.00$107,887.00$108,343.00$108,343.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$116,743.00$107,887.00$139,614.00$108,343.00$91,132.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$165,000.00$116,743.00$107,887.00$108,343.00$108,343.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Lochan, Frank
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personFrank LochanFrank LochanFrank LochanFrank LochanFrank Lochan
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$109,000.00$100,203.00$100,390.00$109,130.00$104,642.00
Breakdown of reportable comp
Base reportable compensation from org$109,000.00$100,203.00$100,390.00$109,130.00$104,642.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$100,203.00$100,390.00$109,130.00$104,642.00$84,257.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$109,000.00$100,203.00$100,390.00$109,130.00$104,642.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Lopez, Gabriel
Title    VP, Marketing & Distribution
Name of key/compensated person    Gabriel Lopez
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees    True
Average hours per week working for org    0
Reportable compensation from org    $656,361.00
Breakdown of reportable comp
Base reportable compensation from org    $134,860.00
Bonus and incentive reportable compensation    $153,676.00
Other reportable compensation from org    $367,825.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $336,783.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $656,361.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
Mahacsi, George
Title  Former - President & CEO  
Name of key/compensated person  George Mahacsi  
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees  True  
Average hours per week working for org  0  
Reportable compensation from org  $2,348,795.00  
Breakdown of reportable comp
Base reportable compensation from org  $479,722.00  
Bonus and incentive reportable compensation  $1,867,431.00  
Other reportable compensation from org  $1,642.00  
Retirement and other deferred compensation  $0.00  
Nontaxable benefits from org  $0.00  
Compensation from org previously reported as deferred  $1,943,452.00  
Other comp, non-reportable, from org and related orgs  $0.00  
Sum of all compensation from org  $2,348,795.00  
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00  
Average hours per week working for related orgs  0  
Manning, Nancy
Title    VP, FIT Business
Name of key/compensated person    Nancy Manning
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees    True
Average hours per week working for org    0
Reportable compensation from org    $509,248.00
Breakdown of reportable comp
Base reportable compensation from org    $98,702.00
Bonus and incentive reportable compensation    $202,185.00
Other reportable compensation from org    $208,361.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $319,404.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $509,248.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
Marano, Lino
Title  Former AVP, FMO & Business Architecture  
Name of key/compensated person  Lino Marano  
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees  True  
Average hours per week working for org  0  
Reportable compensation from org  $281,389.00  
Breakdown of reportable comp
Base reportable compensation from org  $235,813.00  
Bonus and incentive reportable compensation  $45,316.00  
Other reportable compensation from org  $260.00  
Retirement and other deferred compensation  $0.00  
Nontaxable benefits from org  $0.00  
Compensation from org previously reported as deferred  $0.00  
Other comp, non-reportable, from org and related orgs  $0.00  
Sum of all compensation from org  $281,389.00  
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00  
Average hours per week working for related orgs  0  
Marcon, Martha
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personMartha E MarconMartha E MarconMartha E MarconMartha E MarconMartha Marcon
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$117,400.00$115,000.00$117,162.00$108,588.00$81,400.00
Breakdown of reportable comp
Base reportable compensation from org$117,400.00$115,000.00$117,162.00$108,588.00$81,400.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$115,000.00$117,162.00$108,588.00$90,060.00$72,538.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$117,400.00$115,000.00$117,162.00$108,588.00$81,400.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Mawhinney, Terence
Title   VP, Financial Actuarial 
Name of key/compensated person   Terence M Mawhinney 
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees   True 
Average hours per week working for org   0 
Reportable compensation from org   $305,452.00 
Breakdown of reportable comp
Base reportable compensation from org   $99,051.00 
Bonus and incentive reportable compensation   $196,452.00 
Other reportable compensation from org   $9,949.00 
Retirement and other deferred compensation   $0.00 
Nontaxable benefits from org   $0.00 
Compensation from org previously reported as deferred   $409,126.00 
Other comp, non-reportable, from org and related orgs   $0.00 
Sum of all compensation from org   $305,452.00 
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00 
Average hours per week working for related orgs   0 
Mawhinney, Terry
Title    VP, Financial Actuarial
Name of key/compensated person    Terry Mawhinney
Position of compensated person
Average hours per week working for org    50
Reportable compensation from org    $409,126.00
Breakdown of reportable comp
Base reportable compensation from org    $234,706.00
Bonus and incentive reportable compensation    $171,376.00
Other reportable compensation from org    $3,044.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $403,755.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $409,126.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
McCormick, Louise
Title    Director
Name of key/compensated person    Louise McCormick
Position of compensated person
Average hours per week working for org    5
Reportable compensation from org    $90,060.00
Breakdown of reportable comp
Base reportable compensation from org    $90,060.00
Bonus and incentive reportable compensation    $0.00
Other reportable compensation from org    $0.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $74,538.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $90,060.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
McDonald, Jon
TitleVP, Controller & Executive TreasurerVP, Controller & Executive TreasurerVP, Controller & Executive TreasurerVP, Controller & Executive TreasurerVP, Controller & Executive Treasurer
Name of key/compensated personJon Stephen McDonaldJon Stephen McDonaldJon Stephen McDonaldJon Stephen McDonaldJon Stephen McDonald
Position of compensated person
Average hours per week working for org5050505050
Reportable compensation from org$359,129.00$318,933.00$396,747.00$432,959.00$447,549.00
Breakdown of reportable comp
Base reportable compensation from org$206,664.00$209,009.00$235,422.00$245,921.00$245,723.00
Bonus and incentive reportable compensation$151,752.00$52,071.00$88,907.00$185,618.00$200,195.00
Other reportable compensation from org$713.00$57,853.00$72,418.00$1,420.00$1,631.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$318,933.00$396,747.00$432,959.00$447,549.00$413,014.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$359,129.00$318,933.00$396,747.00$432,959.00$447,549.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
McElvaine, Christopher
Title    Director
Name of key/compensated person    Christopher McElvaine
Position of compensated person
Average hours per week working for org    5
Reportable compensation from org    $127,051.00
Breakdown of reportable comp
Base reportable compensation from org    $127,051.00
Bonus and incentive reportable compensation    $0.00
Other reportable compensation from org    $0.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $94,771.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $127,051.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
McIntyre, John
Title   AVP, Investments Bonds 
Name of key/compensated person   John McIntyre 
Position of compensated person
Average hours per week working for org   50 
Reportable compensation from org   $388,264.00 
Breakdown of reportable comp
Base reportable compensation from org   $196,991.00 
Bonus and incentive reportable compensation   $190,721.00 
Other reportable compensation from org   $552.00 
Retirement and other deferred compensation   $0.00 
Nontaxable benefits from org   $0.00 
Compensation from org previously reported as deferred   $0.00 
Other comp, non-reportable, from org and related orgs   $0.00 
Sum of all compensation from org   $388,264.00 
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00 
Average hours per week working for related orgs   0 
Miller, Eric
TitleVice President, US Life & Annuity    
Name of key/compensated personEric Miller    
Position of compensated person
Average hours per week working for org50    
Reportable compensation from org$585,240.00    
Breakdown of reportable comp
Base reportable compensation from org$252,404.00    
Bonus and incentive reportable compensation$330,514.00    
Other reportable compensation from org$2,322.00    
Retirement and other deferred compensation$0.00    
Nontaxable benefits from org$0.00    
Compensation from org previously reported as deferred$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Sum of all compensation from org$585,240.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Average hours per week working for related orgs0    
Mohacsi, George
Title   President & CEOPresident & CEO
Name of key/compensated person   George MohacsiGeorge Mohacsi
Position of compensated person
Average hours per week working for org   5050
Reportable compensation from org   $1,943,452.00$2,033,216.00
Breakdown of reportable comp
Base reportable compensation from org   $753,794.00$738,795.00
Bonus and incentive reportable compensation   $1,185,393.00$1,289,442.00
Other reportable compensation from org   $4,265.00$4,979.00
Retirement and other deferred compensation   $0.00$0.00
Nontaxable benefits from org   $0.00$0.00
Compensation from org previously reported as deferred   $2,033,216.00$1,789,571.00
Other comp, non-reportable, from org and related orgs   $0.00$0.00
Sum of all compensation from org   $1,943,452.00$2,033,216.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00$0.00
Average hours per week working for related orgs   00
Morris, Laraine
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personLaraine MorrisLaraine MorrisLaraine MorrisLaraine MorrisLaraine Morris
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$105,400.00$97,000.00$101,681.00$103,600.00$106,538.00
Breakdown of reportable comp
Base reportable compensation from org$105,400.00$97,000.00$101,681.00$103,600.00$106,538.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$97,000.00$101,681.00$103,600.00$81,400.00$106,538.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$105,400.00$97,000.00$101,681.00$103,600.00$106,538.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Morrison, David
TitleDirectorDirectorDirectorDirector 
Name of key/compensated personDavid E MorrisonDavid E MorrisonDavid E MorrisonDavid E Morrison 
Position of compensated person
Average hours per week working for org5555 
Reportable compensation from org$117,000.00$138,841.00$95,320.00$107,583.00 
Breakdown of reportable comp
Base reportable compensation from org$117,000.00$138,841.00$95,320.00$107,583.00 
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00 
Other reportable compensation from org$0.00$0.00$0.00$0.00 
Retirement and other deferred compensation$0.00$0.00$0.00$0.00 
Nontaxable benefits from org$0.00$0.00$0.00$0.00 
Compensation from org previously reported as deferred$138,841.00$95,320.00$107,583.00$104,642.00 
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00 
Sum of all compensation from org$117,000.00$138,841.00$95,320.00$107,583.00 
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00 
Average hours per week working for related orgs0 00 
Morrison, Davidid
Title    Director
Name of key/compensated person    Davidid E Morrison
Position of compensated person
Average hours per week working for org    5
Reportable compensation from org    $104,642.00
Breakdown of reportable comp
Base reportable compensation from org    $104,642.00
Bonus and incentive reportable compensation    $0.00
Other reportable compensation from org    $0.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $88,301.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $104,642.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
Neal, Cheryl
TitleEVP & President NA Life InsuraneEVP & President NA Life Insurane   
Name of key/compensated personCheryl K NealCheryl K Neal   
Position of compensated person
Average hours per week working for org5050   
Reportable compensation from org$1,139,810.00$527,797.00   
Breakdown of reportable comp
Base reportable compensation from org$514,424.00$326,923.00   
Bonus and incentive reportable compensation$614,431.00$200,000.00   
Other reportable compensation from org$10,955.00$874.00   
Retirement and other deferred compensation$0.00$0.00   
Nontaxable benefits from org$0.00$0.00   
Compensation from org previously reported as deferred$527,797.00    
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Sum of all compensation from org$1,139,810.00$527,797.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Average hours per week working for related orgs0    
Nielsen, Suanne
TitleSVP, Chief Talent Officer & Executive SecretarySVP, Chief Talent Officer & Executive SecretarySVP & Chief Talent OfficerSVP & Chief Talent OfficerSVP & Chief Talent Officer
Name of key/compensated personSuanne NielsenSuanne NielsenSuanne NielsenSuanne NielsenSuanne Nielsen
Position of compensated person
Average hours per week working for org5050505050
Reportable compensation from org$477,726.00$423,491.00$500,950.00$539,964.00$564,388.00
Breakdown of reportable comp
Base reportable compensation from org$223,580.00$231,582.00$262,218.00$273,589.00$276,376.00
Bonus and incentive reportable compensation$249,168.00$110,207.00$141,471.00$259,929.00$280,832.00
Other reportable compensation from org$4,978.00$81,702.00$97,261.00$6,446.00$7,180.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$423,491.00$528,455.00$539,964.00$564,388.00$548,080.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$477,726.00$423,491.00$500,950.00$539,964.00$564,388.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Noyes, Larry
Title  Vice President - SalesVice President - SalesVice President - Sales
Name of key/compensated person  Larry NoyesLarry NoyesLarry Noyes
Position of compensated person
Average hours per week working for org  505050
Reportable compensation from org  $1,164,319.00$1,074,847.00$1,111,788.00
Breakdown of reportable comp
Base reportable compensation from org  $409,923.00$931,522.00$905,492.00
Bonus and incentive reportable compensation  $634,868.00$108,172.00$112,158.00
Other reportable compensation from org  $119,528.00$35,153.00$94,138.00
Retirement and other deferred compensation  $0.00$0.00$0.00
Nontaxable benefits from org  $0.00$0.00$0.00
Compensation from org previously reported as deferred  $1,074,847.00$1,111,788.00$713,412.00
Other comp, non-reportable, from org and related orgs  $0.00$0.00$0.00
Sum of all compensation from org  $1,164,319.00$1,074,847.00$1,111,788.00
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00$0.00$0.00
Average hours per week working for related orgs  000
Ovsec, Ralp
Title VP & Chief ActuaryVP & Chief ActuaryVP & Chief Actuary 
Name of key/compensated person Ralp OvsecRalp OvsecRalp Ovsec 
Position of compensated person
Average hours per week working for org 505050 
Reportable compensation from org $266,938.00$269,000.00$146,459.00 
Breakdown of reportable comp
Base reportable compensation from org $194,159.00$218,742.00$136,029.00 
Bonus and incentive reportable compensation $48,353.00$49,239.00$9,710.00 
Other reportable compensation from org $24,426.00$1,019.00$720.00 
Retirement and other deferred compensation $0.00$0.00$0.00 
Nontaxable benefits from org $0.00$0.00$0.00 
Compensation from org previously reported as deferred $269,000.00$146,459.00$0.00 
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00 
Sum of all compensation from org $266,938.00$269,000.00$146,459.00 
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00 
Average hours per week working for related orgs  00 
Ovsec, Ralph
TitleFormer VP, Financial Actuarial & Chief Actuary    
Name of key/compensated personRalph Ovsec    
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trusteesTrue    
Average hours per week working for org0    
Reportable compensation from org$214,345.00    
Breakdown of reportable comp
Base reportable compensation from org$81,472.00    
Bonus and incentive reportable compensation$132,595.00    
Other reportable compensation from org$278.00    
Retirement and other deferred compensation$0.00    
Nontaxable benefits from org$0.00    
Compensation from org previously reported as deferred$266,938.00    
Other comp, non-reportable, from org and related orgs$0.00    
Sum of all compensation from org$214,345.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Average hours per week working for related orgs0    
Pinkerton, Christopher
Title    SVP, President & CEO - U.S. Division
Name of key/compensated person    Christopher Pinkerton
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees    True
Average hours per week working for org    0
Reportable compensation from org    $1,429,714.00
Breakdown of reportable comp
Base reportable compensation from org    $338,462.00
Bonus and incentive reportable compensation    $955,882.00
Other reportable compensation from org    $135,370.00
Retirement and other deferred compensation    $0.00
Nontaxable benefits from org    $0.00
Compensation from org previously reported as deferred    $1,389,057.00
Other comp, non-reportable, from org and related orgs    $0.00
Sum of all compensation from org    $1,429,714.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Average hours per week working for related orgs    0
Poole, Anthony
Title  SVP, President - U.S. BranchSVP, President - U.S. BranchSVP, President - U.S. Branch
Name of key/compensated person  Anthony PooleAnthony PooleAnthony Poole
Position of compensated person
Average hours per week working for org  505050
Reportable compensation from org  $784,340.00$823,732.00$833,548.00
Breakdown of reportable comp
Base reportable compensation from org  $378,916.00$395,333.00$389,268.00
Bonus and incentive reportable compensation  $258,018.00$416,096.00$441,678.00
Other reportable compensation from org  $147,406.00$2,303.00$2,602.00
Retirement and other deferred compensation  $0.00$0.00$0.00
Nontaxable benefits from org  $0.00$0.00$0.00
Compensation from org previously reported as deferred  $823,732.00$833,548.00$0.00
Other comp, non-reportable, from org and related orgs  $0.00$0.00$0.00
Sum of all compensation from org  $784,340.00$813,732.00$833,548.00
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00$0.00$0.00
Average hours per week working for related orgs  000
Porter, Tim
TitleVice President, Membership    
Name of key/compensated personTim Porter    
Position of compensated person
Average hours per week working for org50    
Reportable compensation from org$251,854.00    
Breakdown of reportable comp
Base reportable compensation from org$159,403.00    
Bonus and incentive reportable compensation$91,904.00    
Other reportable compensation from org$547.00    
Retirement and other deferred compensation$0.00    
Nontaxable benefits from org$0.00    
Compensation from org previously reported as deferred$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Sum of all compensation from org$251,854.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Average hours per week working for related orgs0    
Ragsdale, Jermy
TitleVP, Product Development & Pricing    
Name of key/compensated personJermy Ragsdale    
Position of compensated person
Average hours per week working for org50    
Reportable compensation from org$166,861.00    
Breakdown of reportable comp
Base reportable compensation from org$166,861.00    
Bonus and incentive reportable compensation$0.00    
Other reportable compensation from org$0.00    
Retirement and other deferred compensation$0.00    
Nontaxable benefits from org$0.00    
Compensation from org previously reported as deferred$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Sum of all compensation from org$166,861.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Average hours per week working for related orgs0    
Reaburn, Paul
TitleSVP & Chief Information OfficerSVP & Chief Information OfficerSVP & Chief Information OfficerSVP & CFOSVP & CFO
Name of key/compensated personPaul D ReaburnPaul D ReaburnPaul D ReaburnPaul ReaburnPaul Reaburn
Position of compensated person
Average hours per week working for org5050505050
Reportable compensation from org$863,466.00$673,495.00$698,942.00$472,088.00$185,526.00
Breakdown of reportable comp
Base reportable compensation from org$388,303.00$390,574.00$385,025.00$366,921.00$134,669.00
Bonus and incentive reportable compensation$473,814.00$145,946.00$227,679.00$103,032.00$50,020.00
Other reportable compensation from org$1,349.00$136,975.00$86,238.00$2,135.00$837.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$673,495.00$698,942.00$472,088.00$185,526.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$863,466.00$673,495.00$698,942.00$472,088.00$185,526.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Rondinone, Rino
TitleFormer VP, Chief Information OfficerVP, Chief Information Officer   
Name of key/compensated personRino RondinoneRino Rondinone   
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trusteesTrue    
Average hours per week working for org050   
Reportable compensation from org$232,653.00$221,343.00   
Breakdown of reportable comp
Base reportable compensation from org$138,592.00$196,907.00   
Bonus and incentive reportable compensation$92,061.00$23,627.00   
Other reportable compensation from org$2,000.00$809.00   
Retirement and other deferred compensation$0.00$0.00   
Nontaxable benefits from org$0.00$0.00   
Compensation from org previously reported as deferred$221,343.00$0.00   
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Sum of all compensation from org$232,653.00$221,343.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Average hours per week working for related orgs0    
Ross, Greg
TitlePresident and CEO FAM    
Name of key/compensated personGreg Ross    
Position of compensated person
Average hours per week working for org50    
Reportable compensation from org$633,531.00    
Breakdown of reportable comp
Base reportable compensation from org$202,115.00    
Bonus and incentive reportable compensation$427,407.00    
Other reportable compensation from org$4,009.00    
Retirement and other deferred compensation$0.00    
Nontaxable benefits from org$0.00    
Compensation from org previously reported as deferred$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Sum of all compensation from org$633,531.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Average hours per week working for related orgs0    
Rounthwaite, Katharine
Title Former SVP, General Counsel & Executive SecretarySVP, General Counsel & Executive SecretarySVP, General Counsel & Executive SecretarySVP, General Counsel & Executive Secretary
Name of key/compensated person Katharine RounthwaiteKatharine RounthwaiteKatharine RounthwaiteKatharine Rounthwaite
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees True   
Average hours per week working for org 0505050
Reportable compensation from org $250,760.00$528,455.00$559,741.00$585,883.00
Breakdown of reportable comp
Base reportable compensation from org $83,051.00$275,503.00$287,440.00$287,559.00
Bonus and incentive reportable compensation $87,026.00$148,633.00$267,041.00$288,789.00
Other reportable compensation from org $80,683.00$104,319.00$5,260.00$9,535.00
Retirement and other deferred compensation $0.00$0.00$0.00$0.00
Nontaxable benefits from org $0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred $528,455.00$559,741.00$585,883.00$566,688.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Sum of all compensation from org $250,760.00$528,455.00$559,741.00$585,883.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Average hours per week working for related orgs  000
Saunders, David
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personDavid SaundersDavid SaundersDavid SaundersDavid SaundersDavid Saunders
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$109,000.00$98,411.00$115,328.00$124,007.00$92,589.00
Breakdown of reportable comp
Base reportable compensation from org$109,000.00$98,411.00$115,328.00$124,007.00$92,589.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$98,411.00$115,328.00$124,007.00$92,589.00$106,855.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$109,000.00$98,411.00$115,328.00$124,007.00$92,589.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Scott, John
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personJohn ScottJohn ScottJohn ScottJohn ScottJohn Scott
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$156,200.00$120,200.00$141,562.00$164,615.00$148,500.00
Breakdown of reportable comp
Base reportable compensation from org$156,200.00$120,200.00$141,562.00$164,615.00$148,500.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$120,200.00$141,562.00$164,615.00$148,500.00$106,438.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$156,200.00$120,200.00$141,562.00$164,615.00$148,500.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Smith, Hasel-Ann
Title  Former AVP, Member & Policyholder Services  
Name of key/compensated person  Hasel-Ann Smith  
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees  True  
Average hours per week working for org  0  
Reportable compensation from org  $251,914.00  
Breakdown of reportable comp
Base reportable compensation from org  $199,268.00  
Bonus and incentive reportable compensation  $52,420.00  
Other reportable compensation from org  $226.00  
Retirement and other deferred compensation  $0.00  
Nontaxable benefits from org  $0.00  
Compensation from org previously reported as deferred  $0.00  
Other comp, non-reportable, from org and related orgs  $0.00  
Sum of all compensation from org  $251,914.00  
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00  
Average hours per week working for related orgs  0  
Stramaglia, Michael
TitleDirectorDirectorDirectorDirector 
Name of key/compensated personMichael P StramagliaMichael P StramagliaMichael P StramagliaMichael P Stramaglia 
Position of compensated person
Average hours per week working for org5555 
Reportable compensation from org$133,400.00$143,049.00$103,287.00$54,322.00 
Breakdown of reportable comp
Base reportable compensation from org$133,400.00$143,049.00$103,287.00$54,322.00 
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00 
Other reportable compensation from org$0.00$0.00$0.00$0.00 
Retirement and other deferred compensation$0.00$0.00$0.00$0.00 
Nontaxable benefits from org$0.00$0.00$0.00$0.00 
Compensation from org previously reported as deferred$143,049.00$103,287.00$54,322.00$0.00 
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00 
Sum of all compensation from org$133,400.00$143,049.00$103,287.00$54,322.00 
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00 
Average hours per week working for related orgs0 00 
Stranahan, Christopher
TitleDirectorDirectorDirectorDirectorDirector
Name of key/compensated personChristopher StranahanChristopher StranahanChristopher StranahanChristopher StranahanChristopher Stranahan
Position of compensated person
Average hours per week working for org55555
Reportable compensation from org$105,400.00$97,000.00$101,681.00$112,000.00$103,800.00
Breakdown of reportable comp
Base reportable compensation from org$105,400.00$97,000.00$101,681.00$112,000.00$103,800.00
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00$0.00
Other reportable compensation from org$0.00$0.00$0.00$0.00$0.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$97,000.00$101,681.00$112,000.00$103,800.00$126,138.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$105,400.00$97,000.00$101,681.00$112,000.00$103,800.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Swail, Debrah
Title   VP, Business Transformation and GovernanceVP, Business Transformation & Governance
Name of key/compensated person   Debrah SwailDebrah Swail
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees   True 
Average hours per week working for org   050
Reportable compensation from org   $470,596.00$355,012.00
Breakdown of reportable comp
Base reportable compensation from org   $41,302.00$217,044.00
Bonus and incentive reportable compensation   $133,396.00$136,531.00
Other reportable compensation from org   $295,898.00$1,437.00
Retirement and other deferred compensation   $0.00$0.00
Nontaxable benefits from org   $0.00$0.00
Compensation from org previously reported as deferred   $355,012.00$359,489.00
Other comp, non-reportable, from org and related orgs   $0.00$0.00
Sum of all compensation from org   $470,596.00$355,012.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00$0.00
Average hours per week working for related orgs   00
Sweers, Peter
Title  Former SVP & Chief Information OfficerSVP & Chief Information OfficerSVP & Chief Information Officer
Name of key/compensated person  Peter SweersPeter SweersPeter Sweers
Position of compensated person
Former officers, key employees, highest compensated employees, directors or trustees  True  
Average hours per week working for org  05050
Reportable compensation from org  $1,090,379.00$938,090.00$898,568.00
Breakdown of reportable comp
Base reportable compensation from org  $752,475.00$399,884.00$400,050.00
Bonus and incentive reportable compensation  $336,981.00$520,495.00$480,455.00
Other reportable compensation from org  $923.00$17,711.00$18,063.00
Retirement and other deferred compensation  $0.00$0.00$0.00
Nontaxable benefits from org  $0.00$0.00$0.00
Compensation from org previously reported as deferred  $938,090.00$898,568.00$931,029.00
Other comp, non-reportable, from org and related orgs  $0.00$0.00$0.00
Sum of all compensation from org  $1,090,379.00$938,090.00$898,568.00
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00$0.00$0.00
Average hours per week working for related orgs  000
Tiw, Albert
Title  VP, Strategic Planning & Products Management  
Name of key/compensated person  Albert Tiw  
Position of compensated person
Average hours per week working for org  50  
Reportable compensation from org  $331,203.00  
Breakdown of reportable comp
Base reportable compensation from org  $213,227.00  
Bonus and incentive reportable compensation  $116,978.00  
Other reportable compensation from org  $998.00  
Retirement and other deferred compensation  $0.00  
Nontaxable benefits from org  $0.00  
Compensation from org previously reported as deferred  $0.00  
Other comp, non-reportable, from org and related orgs  $0.00  
Sum of all compensation from org  $331,203.00  
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00  
Average hours per week working for related orgs  0  
Verdurmen, Hendrik
TitleVice President, ProductsVice President, ProductsVice President, ProductsVP Finance & Administration Insurance OperationsVP Finance & Administration Insurance Operations
Name of key/compensated personHendrik VerdurmenHendrik VerdurmenHendrik VerdurmenHendrik VerdurmenHendrik Verdurmen
Position of compensated person
Average hours per week working for org5050505050
Reportable compensation from org$373,877.00$302,203.00$407,859.00$429,276.00$432,837.00
Breakdown of reportable comp
Base reportable compensation from org$212,089.00$219,680.00$248,738.00$259,014.00$255,040.00
Bonus and incentive reportable compensation$161,056.00$31,534.00$98,328.00$168,763.00$176,104.00
Other reportable compensation from org$732.00$50,989.00$60,793.00$1,499.00$1,693.00
Retirement and other deferred compensation$0.00$0.00$0.00$0.00$0.00
Nontaxable benefits from org$0.00$0.00$0.00$0.00$0.00
Compensation from org previously reported as deferred$302,203.00$407,859.00$429,276.00$432,837.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00$0.00
Sum of all compensation from org$373,877.00$302,203.00$407,859.00$429,276.00$432,837.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00$0.00
Average hours per week working for related orgs0 000
Watson, Wendy
TitleDirectorDirectorDirectorDirector 
Name of key/compensated personWendy A WatsonWendy A WatsonWendy A WatsonWendy A Watson 
Position of compensated person
Average hours per week working for org5555 
Reportable compensation from org$107,800.00$102,000.00$112,081.00$59,946.00 
Breakdown of reportable comp
Base reportable compensation from org$107,800.00$102,200.00$112,081.00$59,946.00 
Bonus and incentive reportable compensation$0.00$0.00$0.00$0.00 
Other reportable compensation from org$0.00$0.00$0.00$0.00 
Retirement and other deferred compensation$0.00$0.00$0.00$0.00 
Nontaxable benefits from org$0.00$0.00$0.00$0.00 
Compensation from org previously reported as deferred$102,200.00$112,081.00$59,946.00$0.00 
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00 
Sum of all compensation from org$107,800.00$102,200.00$112,081.00$59,946.00 
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00 
Average hours per week working for related orgs0 00 
Wong, Chun
Title   AVP, Investment BondsAVP, Bonds
Name of key/compensated person   Chun Chong WongChun Chong Wong
Position of compensated person
Average hours per week working for org   5050
Reportable compensation from org   $396,463.00$332,631.00
Breakdown of reportable comp
Base reportable compensation from org   $201,055.00$200,750.00
Bonus and incentive reportable compensation   $194,844.00$131,235.00
Other reportable compensation from org   $564.00$646.00
Retirement and other deferred compensation   $0.00$0.00
Nontaxable benefits from org   $0.00$0.00
Compensation from org previously reported as deferred   $332,631.00$292,897.00
Other comp, non-reportable, from org and related orgs   $0.00$0.00
Sum of all compensation from org   $396,463.00$332,631.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00$0.00
Average hours per week working for related orgs   00
Zanin, Rene
TitleChief Legal OfficerChief Legal Officer   
Name of key/compensated personRene ZaninRene Zanin   
Position of compensated person
Average hours per week working for org5050   
Reportable compensation from org$306,590.00$190,942.00   
Breakdown of reportable comp
Base reportable compensation from org$217,232.00$188,729.00   
Bonus and incentive reportable compensation$87,085.00$0.00   
Other reportable compensation from org$2,273.00$2,213.00   
Retirement and other deferred compensation$0.00$0.00   
Nontaxable benefits from org$0.00$0.00   
Compensation from org previously reported as deferred$190,942.00$0.00   
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Sum of all compensation from org$306,590.00$190,942.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Average hours per week working for related orgs0    
Purpose: mission, activities, & accomplishments
Mission or significant activitiesForesters is a fraternal benefit society that provides financial services products and unique benefits to its members and their families. Through its member-governed Branch network, Foresters members are provided opportunities to organize and participate in local volunteer activities and family-focused events. Within this model of community service, Foresters lives its purpose of enhancing the well-being of its members, their families and their local communities.Foresters is a fraternal benefit society that provides financial services products and unique benefits to its members and their families. Through its member-governed Branch network, Foresters members are provided opportunities to organize and participate in local volunteer activities and family-focused events. Within this model of community service, Foresters lives its purpose of enhancing the well-being of its members, their families and their local communities.Foresters is a fraternal benefit society providing life, health and annuities, and other fraternal benefits to its members, their families and their communities. Through its members and its lodge system, it strives to make its members' communities better places and to give its members opportunities for personal development, social interaction, and voluntary service to others. It operates within a framework of members helping members. As detailed in Part IV, Foresters provides significant fraternal benefits to its members outside of insurance benefits, including providing funding and housing to the aged, sick, and elderly, as well as awarding 400 tuition scholarships to its members and their family members. Foresters is also dedicated to community service by serving as a national sponsor and partner of Children's Miracle Network Hospitals, Ronald McDonald House Charities and KaBOOM!, as well as supporting community service projects across the country undertaken by its members.Foresters is a fraternal benefit society providing life, health and annuities, and other fraternal benefits to its members, their families and their communities. Through its members and its lodge system, it strives to make its members' communities better places and to give its members opportunities for personal development, social interaction, and voluntary service to others. It operates within a framework of members helping members. As detailed in Part IV, Foresters provides significant fraternal benefits to its members outside of insurance benefits, including providing funding and housing to the aged, sick, and elderly, as well as awarding 302 tuition scholarships to its members and their family members. Foresters is also dedicated to community service by serving as a national sponsor and partner of Children's Miracle Network Hospitals, Ronald McDonald House Charities and KaBOOM!, as well as supporting community service projects across the country undertaken by its members.Foresters is a fraternal benefit society providing life, health and annuities, and other fraternal benefits to its members, their families and their communities. Through its members and its lodge system, it strives to make its members' communities better places and to give its members opportunities for personal development, social interaction, and voluntary service to others. It operates within a framework of members helping members. As detailed in Part IV, Foresters provides significant fraternal benefits to its members outside of insurance benefits, including providing funding and housing to the aged, sick, and elderly, as well as awarding 280 tuition scholarships to its members and their family members. Foresters is also dedicated to community service by serving as a national sponsor and partner of Children's Miracle Network Hospitals, Ronald McDonald House Charities and KaBOOM!, as well as supporting community service projects across the country undertaken by its members.
Program service expenses, total$716,261,965.00$423,877,464.00$728,687,288.00$194,980,235.00$573,323,954.00
Programs, including revenue & expenses
Foresters Community Partnerships Every year, Foresters offers direct support to charities that enhance the well-being of families and communities. Partnerships with non-profit organizations like KaBOOM!, Ronald McDonald House Charities(R), the American and British Red Cross Societies and Cash for Kids (in the UK) make this possible at a local level. Members work with these organizations, lending their time to improve the quality of life and well-being of local families and their communities. KaBOOM!! * To support healthy family time, Foresters has partnered with KaBOOM! a national non-profit organization dedicated to bringing balanced active play into the daily lives of all kids. Together, with the help of our members, we are funding and building playgrounds and side projects in many communities. * In 2016, Foresters invested over $1.1 million to support building playgrounds in member communities in the U.S. and Canada. Over 600 members volunteered to build 10 new play spaces, which over their lifespan will serve almost 275,000 children and their families. These builds brought entire communities together to build slides, set up swing sets, and plant flowers. * Playgrounds were built in: La Habra, CA; Cockrell Hill, TX; Tampa, FL; Santee, CA; College Park, GA; Akron, OH; Portland, OR; Toronto, ON; Philadelphia, PA; and St. Paul, MN. * In 2016, Foresters completed 5 Foresters Family Projects activities, revitalizing local parks, schools and community spaces by building planter benches, constructing picnic benches and painting asphalt games. Approximately 55 members participated in these activities. Ronald McDonald House Charities * Foresters believes in strong, supportive families. That's why in 2016, Foresters renewed its partnership with Ronald McDonald House Charities for another year, providing an investment of $100,000. Through the charity's Ronald McDonald House program, families are provided with a "home-away-from-home" so they can stay close by their hospitalized child. * In 2016, Foresters held 45 local events at Ronald McDonald Houses. From cooking homemade dinners to planning arts and crafts activities, more than 650 dedicated Foresters volunteers gave their time and energy to help ensure families can give all of themselves to their child so they can heal faster. American and British Red Cross Societies * An important part of building strong communities includes ensuring that they are prepared in the face of a natural disaster. Studies show that for every $1 spent in preparation, $4 is saved in recovery efforts . In 2016, Foresters entered formal partnerships with both the American and British Red Cross Societies by making investments of $100,000 and 102,000, respectively, to support Emergency Disaster Preparedness in these regions. * In 2016, through the Foresters Prepared with Care activity, over 430 Foresters member volunteers attended 33 events and assembled 2,801 Emergency Preparedness Kits, to help prepare themselves, their family and friends, and their communities. Cash for Kids (UK) * Cash for Kids is an umbrella brand for Bauer Radio's network of registered local charities. Since 2009, Foresters has been working with Cash for Kids to provide volunteer opportunities for our members that support children and family time. * In 2016, under the initiative Mission Christmas Foresters provided GBP 161,513 to sponsor the Mission Christmas Toy Appeal campaign which helped over 362,000 children to have a better Christmas. The initiative raised over 15M in cash, gifts and toys for local children and their families. In addition, during the months of November and December, over 800 Foresters members helped to create over 2,400 care packages for these underprivileged children at family focused events.
Program expenses$14,155,377.00$14,689,680.00   
Grants and allocations made$1,788,100.00$2,078,600.00   
Program revenue$0.00$0.00   
Program descriptionForesters Community Partnerships Every year, Foresters offers direct support to charities that enhance the well-being of families and communities. Partnerships with non-profit organizations like KaBOOM!, Ronald McDonald House Charities(R), the American and British Red Cross Societies and Cash for Kids (in the UK) make this possible at a local level. Members work with these organizations, lending their time to improve the quality of life and well-being of local families and their communities. KaBOOM!! * To support healthy family time, Foresters has partnered with KaBOOM! a national non-profit organization dedicated to bringing balanced active play into the daily lives of all kids. Together, with the help of our members, we are funding and building playgrounds and side projects in many communities. * In 2016, Foresters invested over $1.1 million to support building playgrounds in member communities in the U.S. and Canada. Over 600 members volunteered to build 10 new play spaces, which over their lifespan will serve almost 275,000 children and their families. These builds brought entire communities together to build slides, set up swing sets, and plant flowers. * Playgrounds were built in: La Habra, CA; Cockrell Hill, TX; Tampa, FL; Santee, CA; College Park, GA; Akron, OH; Portland, OR; Toronto, ON; Philadelphia, PA; and St. Paul, MN. * In 2016, Foresters completed 5 Foresters Family Projects activities, revitalizing local parks, schools and community spaces by building planter benches, constructing picnic benches and painting asphalt games. Approximately 55 members participated in these activities. Ronald McDonald House Charities * Foresters believes in strong, supportive families. That's why in 2016, Foresters renewed its partnership with Ronald McDonald House Charities for another year, providing an investment of $100,000. Through the charity's Ronald McDonald House program, families are provided with a "home-away-from-home" so they can stay close by their hospitalized child. * In 2016, Foresters held 45 local events at Ronald McDonald Houses. From cooking homemade dinners to planning arts and crafts activities, more than 650 dedicated Foresters volunteers gave their time and energy to help ensure families can give all of themselves to their child so they can heal faster. American and British Red Cross Societies * An important part of building strong communities includes ensuring that they are prepared in the face of a natural disaster. Studies show that for every $1 spent in preparation, $4 is saved in recovery efforts . In 2016, Foresters entered formal partnerships with both the American and British Red Cross Societies by making investments of $100,000 and 102,000, respectively, to support Emergency Disaster Preparedness in these regions. * In 2016, through the Foresters Prepared with Care activity, over 430 Foresters member volunteers attended 33 events and assembled 2,801 Emergency Preparedness Kits, to help prepare themselves, their family and friends, and their communities. Cash for Kids (UK) * Cash for Kids is an umbrella brand for Bauer Radio's network of registered local charities. Since 2009, Foresters has been working with Cash for Kids to provide volunteer opportunities for our members that support children and family time. * In 2016, under the initiative Mission Christmas Foresters provided GBP 161,513 to sponsor the Mission Christmas Toy Appeal campaign which helped over 362,000 children to have a better Christmas. The initiative raised over 15M in cash, gifts and toys for local children and their families. In addition, during the months of November and December, over 800 Foresters members helped to create over 2,400 care packages for these underprivileged children at family focused events.Foresters Community Partnerships Every year, Foresters offers direct support to charities that enhance the well-being of families and communities. Partnerships with non-profit organizations like KaBOOM!, Ronald McDonald House Charities(R), the American and British Red Cross Societies and Cash for Kids (in the UK) make this possible at a local level. Members work with these organizations, lending their time to improve the quality of life and well-being of local families and their communities. KaBOOM!! * To support healthy family time, Foresters has partnered with KaBOOM! a national non-profit organization dedicated to bringing balanced active play into the daily lives of all kids. Together, with the help of our members, we are funding and building playgrounds and side projects in many communities. * In 2015, Foresters invested over $1.6 million to support building playgrounds in member communities in the U.S. and Canada. Over 1,000 members volunteered to build 15 new play spaces, which over their lifespan will serve almost 690,000 children and their families in the U.S. These builds brought entire communities together to build slides, set up swing sets, and plant flowers. * Playgrounds were built in: New Orleans, LA; Atlanta, GA; Ottawa, ON; Kansas City, KS; San Diego, CA; Toronto, ON; Portland, OR; Philadelphia, PA; Minneapolis, MN; Calgary, AB; Charlotte, NC; Staten Island, NY; Washington, DC; Louisville, KY; Phoenix, AZ. * In 2015, Foresters completed 11 Foresters Family Projects activities, revitalizing local parks, schools and community spaces by building planter benches, constructing picnic benches and painting asphalt games. In addition, Foresters completed 3 Playfinders activities. Through this activity, member volunteers test out, tidy up and tell others about their community's best playgrounds by mapping them on the KaBOOM! Map of Play. Approximately 120 members participated in these activities. Ronald McDonald House Charities * Foresters believes in strong, supportive families. That's why in 2015, Foresters renewed its partnership with Ronald McDonald House Charities for another year, providing an investment of $100,000. Through the charity's Ronald McDonald House program, families are provided with a "home-away-from-home" so they can stay close by their hospitalized child. * In 2015, Foresters held over 60 local events at Ronald McDonald Houses. From cooking homemade dinners to planning arts and crafts activities, more than 1,750 dedicated Foresters volunteers gave their time and energy to help ensure families can give all of themselves to their child so they can heal faster. American and British Red Cross Societies * An important part of building strong communities includes ensuring that they are prepared in the face of a natural disaster. Studies show that for every $1 spent in preparation, $4 is saved in recovery efforts. In 2015, Foresters entered into a formal partnership with the American and British Red Cross Societies by making a $175,000 investment to support Emergency Disaster Preparedness. * In 2015, through the Foresters Prepared with Care activity, close to 100 Foresters member volunteers attended 10 events and assembled 925 Emergency Preparedness Kits, to help prepare themselves, their family and friends, and their communities. Cash for Kids (UK) * Cash for Kids is an umbrella brand for Bauer Radio's network of registered local charities. Since 2009, Foresters has been working with Cash for Kids to provide volunteer opportunities for our members that support children and family time. * In 2015, under the initiative Mission Christmas Foresters provided $247,000 to sponsor the Mission Christmas Toy Appeal campaign which helped over 337,000 children to have a better Christmas. The initiative raised over 13M in cash, gifts and toys for local children and their families. In addition, during the months of November and December, over 1,700 Foresters members helped to create over 4,000 care packages for these underprivileged children at family focused events.   
Foresters Community Partnerships: Every year, Foresters offers direct support to charities that enhance the well-being of families and communities. Partnerships with non-profit organizations like KaBOOM!, Children's Miracle Network, Ronald McDonald House and Cash for Kids (in the UK) make this possible at a local level. Members work side-by-side with these organizations, lending their time to improve the quality of life for local families. KaBOOM!! * Nearly 50% of American parents say that there are no play spaces within walking distance of their homes . To support healthy family time, Foresters has partnered with KaBOOM!!, a national non-profit organization dedicated to balance active play into the daily lives of all kids. Together, with the help of our members, we are funding and building playgrounds and side projects in many of these communities. * In 2014, Foresters invested approximately $1.5 million to support building playgrounds in member communities in North America. Over 900 members volunteered to build 15 new play spaces, which over their lifespan will serve over 620,000 children and their families. These builds brought entire communities together to build slides, set up swing sets, and plant flowers. * Playgrounds were built in: Oklahoma City, Greensboro, NC; Lanham, MD; El Cajon, CA; La Habra, CA; Saint Paul, MN; Denver, CO; Portland, OR; Yeadon, PA; San Antonio, TX; Birmingham, AL; Indianapolis, IN; Toronto, ON, CA; Hamilton, ON, CA; Surrey, BC, CA. * In 2014, Foresters also completed 22 Foresters Family Projects activities, helping to revitalize local parks, schools and community spaces. Approximately 230 members volunteered to build planter benches, construct picnic benches and paint asphalt games in local communities across the U.S., and Canada. * Foresters launched a new member engagement activity - Playfinders. At the activity, member volunteers test out, tidy up and tell others about their community's best playgrounds by mapping them on the KaBOOM!! Map of Play. In 2014, approximately 60 members attended Playfinders activities in their local communities. Children's Miracle Network * Since 1990, Foresters has helped raise over half a billion dollars for local children's hospitals through our partnership with CMN Hospitals. In 2014, Foresters became a founding partner of Children's Miracle Network Hospitals' Cause Innovation team, contributing $250,000 in support of this new division that is tasked with researching and testing new fundraising programs with the potential to raise $20 million within 5 years. * In addition to financial support, over 500 Foresters member volunteers made thousands of teddy bears and care packages for donation to sick children. Ronald McDonald House Charities * Foresters believe in strong, supportive families. That's why in 2014, Foresters renewed its partnership with Ronald McDonald House Charities for another year, providing an investment of $100,000. Through the charity's Ronald McDonald House program, families are provided with a "home-away-from-home" so they can stay close by their hospitalized child. * In 2014, Foresters held over 70 local events at Ronald McDonald Houses. From cooking homemade dinners to planning arts and crafts activities, more than 1,400 dedicated Foresters volunteers gave their time and energy to help ensure families can give all of themselves to their child so they can heal faster. Cash for Kids (UK) * Cash for Kids is an umbrella brand for the UK's Bauer Radio's network of registered local charities. Since 2009, Foresters UK has been working with Cash for Kids to provide volunteer opportunities for our members that support children's health and healthy family time. * In 2014, under the initiative "Mission Christmas" Foresters provided approximately $236,000 to sponsor the Mission Christmas Toy Appeal campaign which helped over 300,000 children to have a better Christmas. The initiative raised over 10M in cash, gifts and toys to local children. In addition, during the months of November and December 2014, over 2,600 Foresters members in the UK helped to create nearly 5,000 care packages for these underprivileged children at family focused events. Prospective Partner Program Testing: Red Cross (U.S./Canada/UK) * In 2014, Foresters invested almost $49,000 to carry out pilot tests for a new member engagement program developed in collaboration with Red Cross. * In total, 6 activities were carried out, engaging approximately 110 member volunteers.
Program expenses  $16,307,954.00  
Grants and allocations made  $1,876,400.00  
Program revenue  $0.00  
Program description  Foresters Community Partnerships: Every year, Foresters offers direct support to charities that enhance the well-being of families and communities. Partnerships with non-profit organizations like KaBOOM!, Children's Miracle Network, Ronald McDonald House and Cash for Kids (in the UK) make this possible at a local level. Members work side-by-side with these organizations, lending their time to improve the quality of life for local families. KaBOOM!! * Nearly 50% of American parents say that there are no play spaces within walking distance of their homes . To support healthy family time, Foresters has partnered with KaBOOM!!, a national non-profit organization dedicated to balance active play into the daily lives of all kids. Together, with the help of our members, we are funding and building playgrounds and side projects in many of these communities. * In 2014, Foresters invested approximately $1.5 million to support building playgrounds in member communities in North America. Over 900 members volunteered to build 15 new play spaces, which over their lifespan will serve over 620,000 children and their families. These builds brought entire communities together to build slides, set up swing sets, and plant flowers. * Playgrounds were built in: Oklahoma City, Greensboro, NC; Lanham, MD; El Cajon, CA; La Habra, CA; Saint Paul, MN; Denver, CO; Portland, OR; Yeadon, PA; San Antonio, TX; Birmingham, AL; Indianapolis, IN; Toronto, ON, CA; Hamilton, ON, CA; Surrey, BC, CA. * In 2014, Foresters also completed 22 Foresters Family Projects activities, helping to revitalize local parks, schools and community spaces. Approximately 230 members volunteered to build planter benches, construct picnic benches and paint asphalt games in local communities across the U.S., and Canada. * Foresters launched a new member engagement activity - Playfinders. At the activity, member volunteers test out, tidy up and tell others about their community's best playgrounds by mapping them on the KaBOOM!! Map of Play. In 2014, approximately 60 members attended Playfinders activities in their local communities. Children's Miracle Network * Since 1990, Foresters has helped raise over half a billion dollars for local children's hospitals through our partnership with CMN Hospitals. In 2014, Foresters became a founding partner of Children's Miracle Network Hospitals' Cause Innovation team, contributing $250,000 in support of this new division that is tasked with researching and testing new fundraising programs with the potential to raise $20 million within 5 years. * In addition to financial support, over 500 Foresters member volunteers made thousands of teddy bears and care packages for donation to sick children. Ronald McDonald House Charities * Foresters believe in strong, supportive families. That's why in 2014, Foresters renewed its partnership with Ronald McDonald House Charities for another year, providing an investment of $100,000. Through the charity's Ronald McDonald House program, families are provided with a "home-away-from-home" so they can stay close by their hospitalized child. * In 2014, Foresters held over 70 local events at Ronald McDonald Houses. From cooking homemade dinners to planning arts and crafts activities, more than 1,400 dedicated Foresters volunteers gave their time and energy to help ensure families can give all of themselves to their child so they can heal faster. Cash for Kids (UK) * Cash for Kids is an umbrella brand for the UK's Bauer Radio's network of registered local charities. Since 2009, Foresters UK has been working with Cash for Kids to provide volunteer opportunities for our members that support children's health and healthy family time. * In 2014, under the initiative "Mission Christmas" Foresters provided approximately $236,000 to sponsor the Mission Christmas Toy Appeal campaign which helped over 300,000 children to have a better Christmas. The initiative raised over 10M in cash, gifts and toys to local children. In addition, during the months of November and December 2014, over 2,600 Foresters members in the UK helped to create nearly 5,000 care packages for these underprivileged children at family focused events. Prospective Partner Program Testing: Red Cross (U.S./Canada/UK) * In 2014, Foresters invested almost $49,000 to carry out pilot tests for a new member engagement program developed in collaboration with Red Cross. * In total, 6 activities were carried out, engaging approximately 110 member volunteers.  
Foresters Community Partnerships: Every year, Foresters offers direct support to charities that support children's health and healthy family time. Partnerships with non-profit organizations like KaBOOM!, Children's Miracle Network, Ronald McDonald House and Cash for Kids (in the UK) make this possible at a local level. Members work side-by-side these organizations, lending their time to improve the quality of life for local families. KaBOOM! * Nearly 50% of American parents say that there are no play spaces within walking distance of their homes. To support healthy family time, Foresters has partnered with KaBOOM!, a national non-profit organization dedicated to the value of outdoor activity. Together, with the help of our members, we are funding and building playgrounds and side projects in many communities. * In 2013, Foresters invested over $1.6 million to support building playgrounds in member communities in North America. Over 1,200 members volunteered to build 20 new play spaces, which over their lifespan will serve over 870,000 children and their families. These builds brought entire communities together to build slides, set up swing sets, and plant flowers. * Playgrounds were built in: Houston, TX; Dallas, TX; Atlanta, GA; Charlotte, NC; Philadelphia, PA; La Habra, CA; Portland, OR; San Diego, CA; Columbus, OH; Perth Amboy, NJ; Louisville, KY; St. Paul, MN; San Antonio, TX; Tampa, FL; Columbia, SC; Vancouver, BC; Mississauga, ON; London, ON; North York, ON; and Calgary, AB. * In 2013, Foresters also completed 31 Foresters Family Projects activities, helping to revitalize local parks, schools and community spaces. Approximately 350 members volunteered to build planter benches, construct picnic benches and paint asphalt games in 29 local communities across the U.S., and Canada. Children's Miracle Network * Foresters is the founding sponsor and has been the international underwriter of Children's Miracle Network Hospitals Radiothon programs in North America since 1998. Starting in 2010, Foresters pledged a total of $6,256,000 to be paid over a four year period. In 2013, Foresters invested $1,564,000 in Radiothon program, ensuring all funds raised by the Children's Miracle Network hospitals go directly to local community children's hospitals. * In 2013, over 140 Radiothon events across the U.S. and Canada raised more than $38 million for local children's hospitals. The money raised by the Radiothons help sick children and their families by funding life-saving equipment, research, disease and injury prevention, education and outreach programs. * In addition to financial support, Foresters members worked the phones during the Radiothons and made thousands of teddy bears for donation to sick children. Foresters also support Radiothon events locally in many communities through local sponsorships with radio stations, donations to hospitals, and employee fundraising programs.
Program expenses   $17,789,500.00$16,602,004.00
Grants and allocations made   $3,850,500.00$6,098,589.00
Program revenue   $0.00$0.00
Program description   Foresters Community Partnerships: Every year, Foresters offers direct support to charities that support children's health and healthy family time. Partnerships with non-profit organizations like KaBOOM!, Children's Miracle Network, Ronald McDonald House and Cash for Kids (in the UK) make this possible at a local level. Members work side-by-side these organizations, lending their time to improve the quality of life for local families. KaBOOM! * Nearly 50% of American parents say that there are no play spaces within walking distance of their homes. To support healthy family time, Foresters has partnered with KaBOOM!, a national non-profit organization dedicated to the value of outdoor activity. Together, with the help of our members, we are funding and building playgrounds and side projects in many communities. * In 2013, Foresters invested over $1.6 million to support building playgrounds in member communities in North America. Over 1,200 members volunteered to build 20 new play spaces, which over their lifespan will serve over 870,000 children and their families. These builds brought entire communities together to build slides, set up swing sets, and plant flowers. * Playgrounds were built in: Houston, TX; Dallas, TX; Atlanta, GA; Charlotte, NC; Philadelphia, PA; La Habra, CA; Portland, OR; San Diego, CA; Columbus, OH; Perth Amboy, NJ; Louisville, KY; St. Paul, MN; San Antonio, TX; Tampa, FL; Columbia, SC; Vancouver, BC; Mississauga, ON; London, ON; North York, ON; and Calgary, AB. * In 2013, Foresters also completed 31 Foresters Family Projects activities, helping to revitalize local parks, schools and community spaces. Approximately 350 members volunteered to build planter benches, construct picnic benches and paint asphalt games in 29 local communities across the U.S., and Canada. Children's Miracle Network * Foresters is the founding sponsor and has been the international underwriter of Children's Miracle Network Hospitals Radiothon programs in North America since 1998. Starting in 2010, Foresters pledged a total of $6,256,000 to be paid over a four year period. In 2013, Foresters invested $1,564,000 in Radiothon program, ensuring all funds raised by the Children's Miracle Network hospitals go directly to local community children's hospitals. * In 2013, over 140 Radiothon events across the U.S. and Canada raised more than $38 million for local children's hospitals. The money raised by the Radiothons help sick children and their families by funding life-saving equipment, research, disease and injury prevention, education and outreach programs. * In addition to financial support, Foresters members worked the phones during the Radiothons and made thousands of teddy bears for donation to sick children. Foresters also support Radiothon events locally in many communities through local sponsorships with radio stations, donations to hospitals, and employee fundraising programs.Foresters Community Partnerships: Every year, Foresters members raise money and offer direct support to charities that support children's health and healthy family time. Partnerships with non-profit organizations like KaBOOM!, Children's Miracle Network, Ronald McDonald House and Cash for Kids (in the UK) make this possible at a local level. Members work side-by-side these organizations, lending their time to improve the quality of life for local families. "KaBOOM!": * Nearly 50% of American parents say that there are no play spaces within walking distance of their homes. To support healthy family time, Foresters has partnered with KaBOOM!, a national nonprofit organization dedicated to the value of outdoor activity. Together, with the help of our members, we are funding and building playgrounds and side projects in many of these communities. * In 2012, Foresters invested over $1.65 million to support building playgrounds in member communities in North America. Over 1,000 members volunteered to build 20 new play spaces, which over their lifespan will serve over 800,000 children and their families. These builds brought entire communities together to build slides, set up swing sets, and plant flowers. * Playgrounds were built in: Los Angeles, California; Edmonton, Alberta; Minneapolis, Minnesota; San Diego, California; Houston, Texas; Dallas, Texas; Montreal, Quebec; San Antonio, Texas; Detroit, Michigan; The Greater Toronto Area, Ontario; Cleveland, Ohio; Cincinnati, Ohio; Charlotte, North Carolina; Mississauga, Ontario; Atlanta, Georgia; Tampa, Florida; Orlando, Florida; Washington DC; Vancouver, British Columbia; and Chicago, Illinois. * In 2012, Foresters also completed 29 Foresters Family Projects activities, helping to revitalize local parks, schools and community spaces. Over 550 members volunteered to build planter benches, construct picnic benches and paint asphalt games in 29 local communities across the U.S., Canada and the UK. "Children's Miracle Network": * Foresters is the founding sponsor and has been the international underwriter of Children's Miracle Network Hospitals Radiothon program in the North America since 1998. Starting in 2010, Foresters pledged a total of $5,960,479 to be paid over a four year period. In 2012, Foresters invested $1,490,120 in the Radiothon program, ensuring all funds raised by the Children's Miracle Network Hospitals go directly to the local community children's hospitals. * In 2012, over 140 Radiothon events across the U.S. raised more than $45.3 million for local children's hospitals in the U.S. and Canada. The money raised by the Radiothons help sick children and their families by funding life-saving equipment, research, disease and injury prevention, education and outreach programs. * In addition to financial support, its members worked the phones during the Radiothons and made thousands of teddy bears for donation to sick children. Foresters also supports Radiothon events locally in many communities through local sponsorships with radio stations, donations to hospitals, and employee fundraising programs. Ronald McDonald House Charities * Foresters believes in strong, supportive families. That's why in 2012, Foresters renewed its partnership with Ronald McDonald House Charities for another year, providing an investment of $95,276. Through the charity's Ronald McDonald House program, families are provided with a "home-away-from-home" so they can stay close by their hospitalized child. * In 2012, Foresters held over 50 local events at Ronald McDonald Houses. From cooking homemade dinners to planning arts and crafts activities, almost 500 Foresters dedicated member volunteers gave their time and energy to help ensure families can give all of themselves to their child so they can heal faster. "Cash For Kids (UK)": * Cash for Kids is an umbrella brand for the UK's Bauer Radio's network of registered local charities. Since 2009, Foresters UK has been working with Cash for Kids to provide volunteer opportunities for our members that support children's health and healthy family time. * In 2012, the Toy Appeal campaign helped over 250,000 children have a better Christmas and granted 5.3 million in cash, gifts and toys to local children. In addition, during the months of November and December 2012, 977 Foresters Members in the UK helped to create 3,949 baby packs for these underprivileged babies at family focused events. * In 2012, Foresters UK members took part in fun family volunteering activities for Cash For Kids' Family Day at 18 activities across the country to help benefit local communities.
Foresters provided Insurance Benefits, including life, health and annuity benefits, for approximately 1,417,000 members across the United States, Canada and the United Kingdom. The cost for providing such membership benefits was approximately $550.2 million, excluding changes in actuarial reserves.
Program expenses$550,201,362.00$520,864,400.00$523,229,679.00$516,687,194.00$533,161,736.00
Grants and allocations made$0.00$0.00$0.00$0.00$0.00
Program revenue$0.00$0.00$0.00$0.00$0.00
Program descriptionForesters provided Insurance Benefits, including life, health and annuity benefits, for approximately 1,417,000 members across the United States, Canada and the United Kingdom. The cost for providing such membership benefits was approximately $550.2 million, excluding changes in actuarial reserves.Foresters provided Insurance Benefits, including life, health and annuity benefits, for approximately 1,183,000 members across the United States, Canada and the United Kingdom. The cost for providing such membership benefits was approximately $520.9 million, excluding changes in actuarial reserves.Foresters provided Insurance Benefits, including life, health and annuity benefits, for approximately 1,163,000 members across the United States, Canada and the United Kingdom. The cost for providing such membership benefits was approximately $523.2 million, excluding changes in actuarial reserves.Foresters provided Insurance Benefits, including life, health and annuity benefits, for approximately 1,162,000 members across the United States, Canada and the United Kingdom. The cost for providing such membership benefits was approximately $516.7 million, excluding changes in actuarial reserves.Foresters provided Insurance Benefits, including life, health and annuity benefits, for approximately 1,017,183 members across the United States, Canada and the United Kingdom. The cost for providing such membership benefits was approximately $533.2 million, excluding changes in actuarial reserves.
Fraternal Benefits and Grants: Foresters provide its members, at no additional cost, with a variety of fraternal benefits outside of the traditional insurance benefits described above. These benefits demonstrate Foresters commitment to the purpose of assisting members, enhancing their well-being, and benefiting their communities. These benefits provide aid in times of trouble, illness or need. The following programs were funded by Foresters for its members. * Senior Member Benefits (U.S./Canada) - Foresters provided complete residential housing and/board for 44 of its most needy members at two retirement homes. In 2016, over $1.3 million in services were provided. * Legal Link and EverydayMoney (U.S./Canada/UK) - Foresters provided these two personal assistance benefits to Foresters members who need financial counseling or legal advice. o Legal Link is a toll-free phone service that provides our members in North America access to free and discounted legal services for matters such as the preparation of a simple will, counseling on self representation in small claims court, letter writing, and legal review. In 2016, it cost $323,000 to fund this service. o EverydayMoney allows Foresters members to access a financial management counseling service at no cost, as often as they wish, to receive information and counseling on budgeting, savings, debt reduction, and other financial planning services. It cost approximately $126,000 to fund this benefit in 2016. * Emergency Assistance (U.S./Canada) - Foresters and its Branches reach out to its members affected by personal hardship, disaster, or large scale emergency, such as flooding, hurricane damage, and house fires, to provide short-term, temporary financial assistance. This benefit was funded by Foresters at a cost of over $1M in 2016. Related to this service, Foresters members are also assisted with disaster cleanup activities in their local communities. * Critical/Terminal Illness benefits (U.S./Canada) - In 2016, 465 Foresters members received approximately $1.8 million in critical illness benefits to help defray the cost of health care. * Orphan Benefits (U.S./Canada) - In 2016, Foresters provided approximately $31,000 to legal guardians for care and support of orphans. Additionally, orphans received four years college scholarships. * Funding Local Community Activities (U.S./Canada/UK) - In 2016, Foresters contributed approximately $4.0 million to the Branch Network via three separate deposits to the US, UK and Canadian trust accounts respectively. These funds are held in trust and administered by the Foresters staff on behalf of Foresters Branches in the US, UK and Canada. Members can apply for these funds to carry out fraternal and community volunteer activities. In 2016, 1,784 activities took place engaging 128,077 members. These funds were used to organize community involvement activities that responded to a real need in a member's community supporting charitable organizations such as children's hospitals, local Boys and Girl Clubs and Ronald McDonald House Charities. Related to this initiative, Foresters also supports strengthening families by allowing members to apply for funding to organize fun-family activities in their communities. The funds held in the Branch Network are used to support these types of activities as well.
Program expenses$13,241,095.00$14,213,772.00$14,333,034.00$14,354,697.00 
Grants and allocations made$5,892,050.00$6,256,900.00$5,398,100.00$5,769,313.00 
Program revenue$0.00$0.00$0.00$0.00 
Program descriptionFraternal Benefits and Grants: Foresters provide its members, at no additional cost, with a variety of fraternal benefits outside of the traditional insurance benefits described above. These benefits demonstrate Foresters commitment to the purpose of assisting members, enhancing their well-being, and benefiting their communities. These benefits provide aid in times of trouble, illness or need. The following programs were funded by Foresters for its members. * Senior Member Benefits (U.S./Canada) - Foresters provided complete residential housing and/board for 44 of its most needy members at two retirement homes. In 2016, over $1.3 million in services were provided. * Legal Link and EverydayMoney (U.S./Canada/UK) - Foresters provided these two personal assistance benefits to Foresters members who need financial counseling or legal advice. o Legal Link is a toll-free phone service that provides our members in North America access to free and discounted legal services for matters such as the preparation of a simple will, counseling on self representation in small claims court, letter writing, and legal review. In 2016, it cost $323,000 to fund this service. o EverydayMoney allows Foresters members to access a financial management counseling service at no cost, as often as they wish, to receive information and counseling on budgeting, savings, debt reduction, and other financial planning services. It cost approximately $126,000 to fund this benefit in 2016. * Emergency Assistance (U.S./Canada) - Foresters and its Branches reach out to its members affected by personal hardship, disaster, or large scale emergency, such as flooding, hurricane damage, and house fires, to provide short-term, temporary financial assistance. This benefit was funded by Foresters at a cost of over $1M in 2016. Related to this service, Foresters members are also assisted with disaster cleanup activities in their local communities. * Critical/Terminal Illness benefits (U.S./Canada) - In 2016, 465 Foresters members received approximately $1.8 million in critical illness benefits to help defray the cost of health care. * Orphan Benefits (U.S./Canada) - In 2016, Foresters provided approximately $31,000 to legal guardians for care and support of orphans. Additionally, orphans received four years college scholarships. * Funding Local Community Activities (U.S./Canada/UK) - In 2016, Foresters contributed approximately $4.0 million to the Branch Network via three separate deposits to the US, UK and Canadian trust accounts respectively. These funds are held in trust and administered by the Foresters staff on behalf of Foresters Branches in the US, UK and Canada. Members can apply for these funds to carry out fraternal and community volunteer activities. In 2016, 1,784 activities took place engaging 128,077 members. These funds were used to organize community involvement activities that responded to a real need in a member's community supporting charitable organizations such as children's hospitals, local Boys and Girl Clubs and Ronald McDonald House Charities. Related to this initiative, Foresters also supports strengthening families by allowing members to apply for funding to organize fun-family activities in their communities. The funds held in the Branch Network are used to support these types of activities as well.Foresters provide its members, at no additional cost, with a variety of fraternal benefits outside of the traditional insurance benefits described above. These benefits demonstrate Foresters commitment to the purpose of assisting members, enhancing their well-being, and benefiting their communities. These benefits provide aid in times of trouble, illness or need. The following programs were funded by Foresters for its members. * Senior Member Benefits (U.S./Canada) - Foresters provided complete residential housing and/board for 44 of its most needy members at two retirement homes. In 2015, these services were provided for nearly $1.4 million. * Scholarship Program (U.S./Canada/UK) - Foresters granted 297 new four-year scholarships, up to $8,000 in local currency in North America and 1,000/year in the UK, to members, their spouses, children and grandchildren. This benefit was awarded based upon academic credentials and participation in charitable and philanthropic activities. Foresters provided over $2 million in scholarships in 2015. * Legal Link and EverydayMoney (U.S./Canada/UK) - Foresters provided these two personal assistance benefits to Foresters members who need financial counseling or legal advice. o Legal Link is a toll-free phone service that provides our members in North America access to free and discounted legal services for matters such as the preparation of a simple will, counseling on self representation in small claims court, letter writing, and legal review. In 2015, it cost $340,000 to fund this service. o EverydayMoney allows Foresters members to access a financial management counseling service at no cost, as often as they wish, to receive information and counseling on budgeting, savings, debt reduction, and other financial planning services. It cost approximately $135,000 to fund this benefit in 2015. * Emergency Assistance (U.S./Canada) - Foresters and its Branches reach out to its members affected by personal hardship, disaster, or large scale emergency, such as flooding, hurricane damage, and house fires, to provide short-term, temporary financial assistance. This benefit was funded by Foresters at a cost of $320,000 in 2015. Related to this service, Foresters members are also assisted with disaster cleanup activities in their local communities. * Critical/Terminal Illness benefits (U.S./Canada) - In 2015, 363 Foresters members received approximately $1.4 million in critical illness benefits to help defray the cost of health care. * Orphan Benefits (U.S./Canada) - In 2015, Foresters provided approximately $33,000 to legal guardians for care and support of orphans. Additionally, orphans received four year college scholarships. * Funding Local Community Activities (U.S./Canada/UK) - In 2015, Foresters contributed over $4.5 million to the Branch Network via three separate deposits to the US, UK and Canadian trust accounts respectively. These funds are held in trust and administered by the Foresters staff on behalf of Foresters Branches in the US, UK and Canada. Members can apply for these funds to carry out fraternal and community volunteer activities. In 2015, 1,947 activities took place engaging 159,838 members. These funds were used to organize community involvement activities that responded to a real need in a member's community supporting charitable organizations such as children's hospitals, local Boys and Girl Clubs and Ronald McDonald House Charities. Related to this initiative, Foresters also supports strengthening families by allowing members to apply for funding to organize fun-family activities in their communities. The funds held in the Branch Network are used to support these types of activities as well.Fraternal Benefits and Grants:Foresters provide its members, at no additional cost, with a variety of fraternal benefits outside of the traditional insurance benefits described above. These benefits demonstrate Foresters commitment to the purpose of assisting members, enhancing their well-being, and benefiting their communities. These benefits provide aid in times of trouble, illness or need. The following programs were funded by Foresters for its members. * Senior Member Benefits (U.S./Canada) - Foresters provided complete residential housing and/board for 44 of its most needy members at two retirement homes. In 2014, providing these services nearly $1.2 million. * Scholarship Program (U.S./Canada/UK) - Foresters granted 400 new four-year scholarships, up to $8,000 in local currency in North America and 1,000/year in the UK, to members, their spouses, children and grandchildren. This benefit was awarded based upon academic credentials and participation in charitable and philanthropic activities. Foresters provided over $1.8 million in scholarships in 2014. * Legal Link and Everyday Money (U.S./Canada/UK) - Foresters provided these two personal assistance benefits to Foresters members who need financial counseling or legal advice. o Legal Link is a toll-free phone service that provides our members in North America access to free and discounted legal services for matters such as the preparation of a simple will, counseling on self representation in small claims court, letter writing, and legal review. In 2014, it cost $322,000 to fund this service. o Everyday Money allows Foresters members to access a financial management counseling service at no cost, as often as they wish, to receive information and counseling on budgeting, savings, debt reduction, and other financial planning services. It cost approximately $174,000 to fund this benefit in 2014.* Emergency Assistance (U.S./Canada) - Foresters and its Branches reach out to its members affected by personal hardship, disaster, or large scale emergency, such as flooding, hurricane damage, and house fires, to provide short-term, temporary financial assistance. This benefit was funded by Foresters at a cost of $234,000 in 2014. Related to this service, Foresters members are also assisted with disaster cleanup activities in their local communities. * Critical/Terminal Illness benefits (U.S./Canada) - In 2014, 671 Foresters members received approximately $2.1 million in critical illness benefits to help defray the cost of health care. * Orphan Benefits (U.S./Canada) - In 2014, Foresters provided approximately $25,000 to legal guardians for care and support of orphans. Additionally, orphans received four years college scholarships. * Funding Local Community Activities (U.S./Canada/UK) - In 2014, Foresters contributed over $3.6 million to the Branch Network via three separate deposits to the US, UK and Canadian trust accounts respectively. These funds are held in trust and administered by the Foresters staff on behalf of Foresters Branches in the US, UK and Canada. Members can apply for these funds to carry out fraternal and community volunteer activities. In 2014, 1,504 activities took place engaging 123,216 members. These funds were used to organize community involvement activities that responded to a real need in a member's community supporting charitable organizations such as children's hospitals, local boys and girl clubs and Ronald McDonald House Charities. Related to this initiative, Foresters also supports strengthening families by allowing members to apply for funding to organize fun-family activities in their communities. The funds held in the Branch Network are used to support these types of activities as well.Fraternal Benefits and Grants: Foresters provides its members, at no additional cost, with a variety of fraternal benefits outside of the traditional insurance benefits described above. These benefits demonstrate Foresters commitment to the purpose of assisting members, enhancing their well-being, and benefiting their communities. These benefits provide aid in times of trouble, illness or need. The following programs were funded by Foresters for its members.* Senior Member Benefits (U.S./Canada) - Foresters provided complete residential housing and board for 67 of its most needy members at two retirement homes. In 2013, providing these services cost $1.4 million. * Scholarship Program (U.S./Canada/UK) - Foresters granted 302 new four-year scholarships, up to $8,000 in local currency in North America and 1,000/year in the UK, to members, their spouses, children and grandchildren. This benefit was awarded based upon academic credentials and participation in charitable and philanthropic activities. Foresters provided over $2.2 million in scholarships in 2013.* Legal Link and Everyday Money (U.S./Canada) - Foresters provided these two personal assistance benefits to Foresters members who need financial counseling or legal advice. o Legal Link is a toll-free phone service that provides our members in North America access to free and discounted legal services for matters such as the preparation of a simple will, counseling on self representation in small claims court, letter writing, and legal review. In 2013, it cost $347,618 to fund this service. o Everyday Money allows Foresters members to access a financial management counseling service at no cost, as often as they wish, to receive information and counseling on budgeting, savings, debt reduction, and other financial planning services. Foresters funds this benefits completely at an annual cost of $117,000. * Emergency Assistance (U.S./Canada) - Foresters and its Branches reach out to its members affected by personal hardship, disaster, or a large scale emergency, such as flooding, hurricane damage, and house fires, to provide short-term, temporary financial assistance. This benefit was funded by Foresters at a cost of $214,704 in 2013. Related to this service, Foresters members are also assisted with disaster cleanup activities in their local communities. * Critical Illness benefits (U.S./Canada) - In 2013, 691 Foresters members received over $2 million in critical illness benefits to help defray the cost of health care. * Terminal Illness benefits (U.S./Canada) - Foresters provided no cost loans totaling $634,000 to those members facing a terminal illness.* Orphan Benefits (U.S./Canada) - In 2013, Foresters provided $25,074 to legal guardians for care and support of orphans. Additionally, orphans received four years college scholarships. * Funding Local Community Activities (U.S./Canada/UK) - In 2013, Foresters contributed approximately $3.51 million to the U.S. Branch Network. These funds are held in trust and administered by Foresters staff on behalf of Foresters Branches in the US, UK and Canada. Members can apply for these funds to carry out fraternal and community volunteer activities. In 2013, 1,258 activities took place engaging 90,578 members. These funds were used to organize community involvement activities that responded to a real need in a member's community supporting charitable organizations such as children's hospitals, local boys and girl clubs and Ronald McDonald House Charities. Related to this initiative, Foresters also supports strengthening families by allowing members to apply for funding to organize fun-family activities in their communities. The funds held in the Branch Network are used to support these types of activities as well. 
Fraternal Benefits and Grants: Foresters provides its members, at no additional cost, with a variety of fraternal benefits outside of the traditional insurance benefits described above. These benefits demonstrate Foresters commitment to the purpose of assisting members, enhancing their well-being, and benefiting their communities. These benefits provide aid in times of trouble, illness or need. The following programs were funded by Foresters for its members. * Senior Member Benefit (U.S./Canada) - Foresters provided complete residential housing and board for eighty of its most needy members at two retirement homes. Providing such services cost approximately $1.3 million annually. * Scholarship Program (U.S./Canada/UK) - Foresters granted 302 new four-year scholarships, up to $8,000 in local currency in North America and 1,000/year in the UK, to members, their spouses, children and grandchildren. This benefit was awarded based upon academic credentials and participation in charitable and philanthropic activities. Foresters provided over $2.9 million in scholarships in 2012. * Legal Link and Everyday Money (U.S./Canada) - Foresters provides these two personal assistance benefits to Foresters members who need financial counselling or legal advice. o Legal Link is a toll-free phone service that provides our members in North America access to free and discounted legal services for matters such as the preparation of a simple will, counselling on self representation in small claims court, letter writing, and legal document review. Foresters funds this service at $ 267,435 annually. * Emergency Assistance (U.S./Canada) - Foresters and its Branches reach out to its members affected by personal hardship, disaster, or large scale emergency, such as flooding, hurricane damage, and house fires, to provide short-term, temporary financial assistance. This benefit was funded by Foresters at a cost of $349, 904 in 2012. Related to this service, Foresters members also assisted with disaster cleanup activities in their local communities. * Critical illness benefits (U.S./Canada) - In 2012, Foresters members received $1.11 million in critical illness benefits to help defray the cost of health care. * Terminal illness benefits (U.S./Canada) - Foresters provided no cost policy loans totalling $1.04 million to those members facing a terminal illness. * Orphan Benefits (U.S./Canada) - Foresters provided $24, 532 in monthly grants to legal guardians for the care and support of orphans. Additionally, orphans received four year college scholarships. * Funding Local Community Activities (U.S./Canada/UK) - Foresters provides members funding to carry out local community volunteer activities. In 2012, 141 member-led and initiated activities received $222,470 in Foresters Branch financial support. These events engaged 2,482 members. Foresters members received funding for self-initiated programs that responded to a real need in their own community. They supported charitable organizations such as children's hospitals, local Boys and Girls Clubs and Ronald McDonald House Charities. This member initiative program is a real reflection of Foresters commitment to its fraternal purpose as well as supporting its members in serving their communities. o Related to this initiative, Foresters encourages and supports Community Service by its members. In 2012, more than 8,696 Foresters members volunteered 30,569 hours to make a difference in their community. Foresters members, through their local lodges support dozens of local organizations, through fundraising and other initiatives, providing a significant benefit to the community. Organizations supported by Foresters lodge members include: Boys and Girls Clubs; Special Olympics - Michigan; Special Olympics - Illinois; Tammy Lunn Center for Development Disabilities; Bellingham Boys and Girls Club; American Family Children's Hospitals; National MS Society - Maryland Chapter; Baltimore County 4H; Hollinger School; Ross Community Center; Children's Hospital of Illinois; Livonia Anniversary committee; Cedars Home for Children; Cystic Fibrosis Foundation; HOPE Center; The Pediatric Brain Tumor Foundation of the United States; Golsiano Children's Hospital at Upstate; Boys and Girls Club of Skagit Valley; and Palos Verdes Library District.
Program expenses    $15,755,862.00
Grants and allocations made    $2,647,486.00
Program revenue    $0.00
Program description    Fraternal Benefits and Grants: Foresters provides its members, at no additional cost, with a variety of fraternal benefits outside of the traditional insurance benefits described above. These benefits demonstrate Foresters commitment to the purpose of assisting members, enhancing their well-being, and benefiting their communities. These benefits provide aid in times of trouble, illness or need. The following programs were funded by Foresters for its members. * Senior Member Benefit (U.S./Canada) - Foresters provided complete residential housing and board for eighty of its most needy members at two retirement homes. Providing such services cost approximately $1.3 million annually. * Scholarship Program (U.S./Canada/UK) - Foresters granted 302 new four-year scholarships, up to $8,000 in local currency in North America and 1,000/year in the UK, to members, their spouses, children and grandchildren. This benefit was awarded based upon academic credentials and participation in charitable and philanthropic activities. Foresters provided over $2.9 million in scholarships in 2012. * Legal Link and Everyday Money (U.S./Canada) - Foresters provides these two personal assistance benefits to Foresters members who need financial counselling or legal advice. o Legal Link is a toll-free phone service that provides our members in North America access to free and discounted legal services for matters such as the preparation of a simple will, counselling on self representation in small claims court, letter writing, and legal document review. Foresters funds this service at $ 267,435 annually. * Emergency Assistance (U.S./Canada) - Foresters and its Branches reach out to its members affected by personal hardship, disaster, or large scale emergency, such as flooding, hurricane damage, and house fires, to provide short-term, temporary financial assistance. This benefit was funded by Foresters at a cost of $349, 904 in 2012. Related to this service, Foresters members also assisted with disaster cleanup activities in their local communities. * Critical illness benefits (U.S./Canada) - In 2012, Foresters members received $1.11 million in critical illness benefits to help defray the cost of health care. * Terminal illness benefits (U.S./Canada) - Foresters provided no cost policy loans totalling $1.04 million to those members facing a terminal illness. * Orphan Benefits (U.S./Canada) - Foresters provided $24, 532 in monthly grants to legal guardians for the care and support of orphans. Additionally, orphans received four year college scholarships. * Funding Local Community Activities (U.S./Canada/UK) - Foresters provides members funding to carry out local community volunteer activities. In 2012, 141 member-led and initiated activities received $222,470 in Foresters Branch financial support. These events engaged 2,482 members. Foresters members received funding for self-initiated programs that responded to a real need in their own community. They supported charitable organizations such as children's hospitals, local Boys and Girls Clubs and Ronald McDonald House Charities. This member initiative program is a real reflection of Foresters commitment to its fraternal purpose as well as supporting its members in serving their communities. o Related to this initiative, Foresters encourages and supports Community Service by its members. In 2012, more than 8,696 Foresters members volunteered 30,569 hours to make a difference in their community. Foresters members, through their local lodges support dozens of local organizations, through fundraising and other initiatives, providing a significant benefit to the community. Organizations supported by Foresters lodge members include: Boys and Girls Clubs; Special Olympics - Michigan; Special Olympics - Illinois; Tammy Lunn Center for Development Disabilities; Bellingham Boys and Girls Club; American Family Children's Hospitals; National MS Society - Maryland Chapter; Baltimore County 4H; Hollinger School; Ross Community Center; Children's Hospital of Illinois; Livonia Anniversary committee; Cedars Home for Children; Cystic Fibrosis Foundation; HOPE Center; The Pediatric Brain Tumor Foundation of the United States; Golsiano Children's Hospital at Upstate; Boys and Girls Club of Skagit Valley; and Palos Verdes Library District.
Financial data
Revenue
Total revenue$586,446,871.00$725,123,653.00$931,362,490.00$362,052,691.00$638,970,936.00
Revenue from contributions (total)$0.00$0.00$0.00$0.00$0.00
Investment income, current yr$173,262,489.00$36,814,962.00$373,634,569.00-$82,383,996.00$291,731,229.00
Total revenue from grants, etc., current yr$0.00$0.00$0.00$0.00$0.00
Total unrelated business revenue$0.00$0.00$0.00$0.00$0.00
Other revenue, current yr-$72,951,842.00$204,180,188.00$109,612,598.00$55,527,390.00$0.00
Net unrelated business taxable revenue$0.00$0.00$0.00$0.00$0.00
Program service revenue (total)$486,136,224.00$484,128,503.00$448,115,323.00$388,909,297.00$347,239,707.00
Gross receipts$586,446,871.00$725,123,653.00$931,362,490.00$362,052,691.00$638,970,936.00
Other types of revenue
Royalties (total)$0.00$0.00$0.00$0.00$0.00
Miscellaneous revenue (total)-$72,951,842.00$204,180,188.00$109,612,598.00$55,527,390.00$0.00
Income from dividends, interest, and similar investments$173,262,489.00$36,814,962.00$373,634,569.00-$82,383,996.00$291,731,229.00
Net rental income $0.00$0.00$0.00 
Expense categories (totals)
Total functional expenses: sum of all$716,261,965.00$423,877,464.00$728,687,288.00$194,980,235.00$573,323,954.00
Total functional expenses: program service $0.00$0.00$0.00$0.00$0.00
Total functional expenses: management and general$0.00$0.00$0.00$0.00$0.00
Total functional expenses: fundraising$0.00$0.00$0.00$0.00$0.00
Fees for services
Lobbying fees (total)$0.00 $0.00$0.00$0.00
Legal fees (total)$1,857,639.00$1,232,502.00$1,189,679.00$2,033,207.00$2,442,977.00
Fundraising service fees (total)$0.00$0.00$0.00$0.00$0.00
General management fees (total)$0.00 $0.00$0.00$0.00
Investment management fees (total)$0.00 $0.00$0.00$0.00
Assets and liabilities
Total assets$4,568,716,357.00$4,469,111,827.00$4,646,549,021.00$4,447,075,660.00$4,785,260,695.00
Total assets, beginning of year$4,469,111,827.00$4,646,549,021.00$4,447,075,660.00$4,785,260,695.00$4,668,773,652.00
Total liabilities$2,990,727,926.00$2,813,955,243.00$3,003,976,897.00$2,865,944,814.00$3,267,898,878.00
Total liabilities, beginning of year$2,813,955,243.00$3,003,976,897.00$2,865,944,814.00$3,267,898,878.00$3,248,907,842.00
Pledges & accounts receivable, net $0.00$0.00$0.00$0.00
Loans & receivables from key persons$0.00$0.00$0.00$0.00$0.00
Unrestricted net assets, end of yr  $1,642,572,124.00$1,581,130,846.00$1,517,361,817.00
Temporarily restricted net assets  $0.00$0.00$0.00
Permanently restricted net assets, end of yr  $0.00$0.00$0.00
Net assets$1,577,988,431.00$1,655,156,584.00$1,642,572,124.00$1,581,130,846.00$1,517,361,817.00
Net assets, beginning of year$1,655,156,584.00$1,642,572,124.00$1,581,130,846.00$1,517,361,817.00$1,419,865,810.00
Other liabilities$2,977,506,865.00$2,801,232,575.00$2,990,639,641.00$2,850,683,547.00$3,248,396,235.00
Bond liabilities$0.00$0.00$0.00$0.00$0.00
Intangible assets$146,724,922.00$155,814,780.00$165,683,163.00$186,163,779.00$190,862,276.00
Other assets$599,198,904.00$577,885,820.00$579,640,125.00$618,231,839.00$545,818,233.00
Investments: other securities$52,692,979.00$51,208,728.00$60,011,795.00$62,685,502.00$61,699,096.00
Investments: publicly traded securities$3,406,073,884.00$3,318,511,435.00$3,473,911,944.00$3,253,974,690.00$3,588,316,027.00
Cash: non-interest bearing$723,099.00$1,001,708.00$1,841,877.00-$3,093,062.00-$3,578,731.00
Cash: non-interest bearing, beginning of year$1,001,708.00$1,841,877.00-$3,093,062.00-$3,578,731.00-$345,782.00
Investments -- program-related$0.00$0.00$0.00$0.00$0.00
Escrow or custodial account liability $0.00$0.00$0.00$0.00
Loans and other payables to key persons $0.00$0.00$0.00$0.00
Grants payable$0.00$0.00$0.00$0.00$0.00
Inventories for sale or use$0.00$0.00$0.00$0.00$0.00
Other financial variables
Revenue less expenses-$129,815,094.00$301,246,189.00$202,675,202.00$167,072,456.00$65,646,982.00
Advertising (total)$807,575.00$525,966.00$383,070.00$409,924.00$431,349.00
Savings & temp cash investment$106,451,174.00$112,915,467.00$107,717,157.00$63,573,413.00$135,710,090.00
Accounts receivable, net$31,530,025.00$31,261,564.00$32,162,569.00$32,607,965.00$34,076,120.00
Prepaid expenses & deferred charges$39,404,513.00$37,096,840.00$31,672,425.00$38,117,973.00$36,800,540.00
Accounts payable & accrued expenses$13,221,061.00$12,722,668.00$13,337,256.00$15,261,267.00$19,502,643.00
Deferred revenue$0.00$0.00$0.00$0.00$0.00
Unsecured notes & loans to unrelated parties$0.00$0.00$0.00$0.00$0.00
Secured mortgages and notes payable$0.00$0.00$0.00$0.00$0.00
Total net assets or fund balances$1,577,988,431.00$1,655,156,584.00$1,642,572,124.00$1,581,130,846.00$1,517,361,817.00
Depreciation, depletion, amortization$10,469,333.00$12,098,903.00$28,980,605.00$8,366,874.00$7,062,980.00
Payment to affiliates$0.00 $0.00$0.00$0.00
Governance and accountability
Number of voting members1515151515
Number of independent voting members1414141414
Financial sheets auditedTrueTrueTrueTrueTrue
Audit on consolidated basisTrueTrueTrueTrueTrue
Accrual accountingTrueTrueTrueTrueTrue
Tax year start date2016-01-012015-01-012014-01-012013-01-012012-01-01
Tax year end date2016-12-012015-12-012014-12-012013-12-012012-12-01
Has local chaptersTrueTrueTrueTrueTrue
Indicators for schedules (selected)
Grants to domestic org/gov't >$5kTrueTrueTrueTrueTrue
Org has controlled entity    True
Metadata about the filing
E-return type: 990, 990EZ, or 990PF990990990990990
Date e-filing submitted2018-01-032016-12-202015-09-232014-10-032013-12-24
IRS schema version2016v3.02015v2.12014v5.02013v3.02012v2.0
Filing identifier201723199349310902201632249349301063201522259349302072201402269349302040201343179349305424
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