2025-08-28T10:53:25-07:00 2024-12-31 990 2024-01-01 237131460 United Transportation Union Insurance Association UNIT 2162275293 6060 Rockside Woods Blvd N Ste 220 Independence OH 44131 Jeffery Becker Secretary & Treasurer 2162275293 2025-08-28 1 2024 2025-03-06 01:10:19Z Jeffery A Becker 6060 Rockside Woods Blvd N Suite 220 Independence OH 44131 17988682 0 X ajlife.org X Not for Profit 1970 OH Fraternal benefit society serving our members with various insurance products and fraternal benefits. 8 4 22 9 0 0 0 0 8480539 8288647 9113231 9506310 106447 193725 17700217 17988682 285036 278271 9149181 8473182 3921483 4411930 0 0 0 1992734 1905979 15348434 15069362 2351783 2919320 221673950 221472371 152437206 147796143 69236744 73676228 Provide life, accidental death and disability, and annuity policies to members of the United Transportation Union Insurance Association and workers in the transportation industries. 0 0 15069362 268000 17988682 Provide life, accidental death and disability, and annuity policies to members of the United Transportation Union Insurance Association and workers in the transportation industry. 0 0 0 15069362 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 99 0 1 22 1 0 0 0 0 0 0 0 0 X 8 4 0 0 1 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X Jeffery Becker 2162275293 6060 Rockside Woods Blvd N Suite 220 Independence OH 44131 Kenneth Laugel President 40 0 X 335913 0 40310 Jeffery Becker Secretary & Treasurer 40 0 X 238072 0 28569 David Liddle Regional Insurance Manager 40 0 X 189556 0 15109 Ronald Steiger IT Director 40 0 X 155433 0 18652 Bryan Radecky Comptroller 40 0 X 118317 0 14198 Stephen Hudak Director 1 0 X 49000 0 0 Stephen J Vamos III Director 1.5 0 X 47000 0 0 Nicholas DiCicco Jr Director 1 0 X 42000 0 0 Patrick Sullivan Director 1 0 X 40000 0 0 Jeremy Ferguson Chairman of the Board 4 0 X 0 0 0 Brent Leonard Director 1 0 X 0 0 0 Alvy Hughes Director 1 0 X 0 0 0 Charles Cassity Director 1 0 X 0 0 0 1215291 0 116838 5 0 1 0 United Healthcare PO Box 416982 Boston MA 02241 Health Insurance 1215353 Miller & Newberg Inc 7304 W 130th St Suite 370 Overland Park KS 66213 Actuarial 327485 RGA Reinsurance Company PO Box 502192 St Louis MO 631502192 Reinsurance 242459 Optimum Re Insurance Co PO Box 660010 Dallas TX 75266 Reinsurance 180390 Wellington Management Company PO Box 412416 Boston MA 02241 Investment Management Services 140117 8 0 8288647 8288647 0 0 8288647 8652076 8652076 0 0 854234 854234 0 0 0 0 0 0 0 0 0 0 193725 193725 0 0 193725 17988682 17988682 0 0 0 0 278271 278271 0 0 8473182 8473182 820864 820864 1925044 1925044 0 0 225712 225712 1297571 1297571 142739 142739 0 0 52130 52130 76422 76422 0 0 349193 349193 442096 442096 85466 85466 95632 95632 281338 281338 0 0 136062 136062 121177 121177 0 0 80875 80875 0 0 0 0 33074 33074 106938 106938 Miscellaneous Expense 2061 2061 0 0 Charitable Donations 14250 14250 0 0 Filing Fees 14853 14853 0 0 IRS Penalty 14412 14412 0 0 0 0 15069362 15069362 0 0 -117164 -60880 1803715 1660933 0 0 71827 128960 0 0 0 0 0 0 0 0 0 0 0 0 0 213935672 213787654 0 0 0 0 0 0 5979900 5955704 221673950 221472371 1984263 3078522 0 0 0 0 0 0 0 0 0 0 0 0 0 0 150452943 144717621 152437206 147796143 X 0 0 0 0 69236744 73676228 69236744 73676228 221673950 221472371 X 2919320 -766497 0 0 0 2286661 X 0 1 X 1 0 Certificate Reserves 140505917 Interest Maintenance Reserve 939419 Asset Valuation Reserve 3272285 144717621 17639489 0 0 0 0 0 17639489 349193 0 349193 17988682 14720169 0 0 0 0 0 14720169 349193 0 349193 15069362 1 See Schedule I, Part IV, Statement 1 134 2000 0 Book Value Not Applicable Schedule I, Part I, Line 2 Scholarships of $2,000 are made payable to the educational institution on behalf of each recipient (student). There were 134 scholarship payments distributed in year 2024. X X X 0 0 0 Kenneth Laugel President 335913 0 0 0 0 0 40310 0 0 0 376223 0 0 0 Jeffery Becker Secretary & Treasurer 238072 0 0 0 0 0 28569 0 0 0 266641 0 0 0 David Liddle Regional Insurance Manager 189556 0 0 0 0 0 15109 0 0 0 204665 0 0 0 Ronald Steiger IT Director 155433 0 0 0 0 0 18652 0 0 0 174085 0 0 0 Schedule J, Part I, Line 3 The President (CEO) and Secretary & Treasurer salary is reviewed by the Compensation Committee and approved by the Board of Directors. Karren Becker Family Member of Officer 14640 Medical Record Reviewer 0 Form 990, Part VI, Section A, Line 4 The Association amended its Constitution and Articles of Incorporation on December 11, 2024, with approval from the Board of Directors to change its name to American Journey Financial Life (AJFL). The amendments were approved by the Ohio Department of Insurance on January 8, 2025, and membership was subsequently notified. The name change is effective beginning with the 2025 tax year. Form 990, Part VI, Section A, Line 6 The UTUIA (now AJFL) has approximately 37,119 policyholders who are members of the Fraternal Benefit Society. Form 990, Part VI, Section A, Line 7a The members (policyholders) of the UTUIA (now AJFL) elect delegates to the Grand Convention (held every four years) who then elect the Board of Directors. The next Grand Convention is scheduled to be held during the second half of 2027. Form 990, Part VI, Section B, Line 11b The Form 990 is produced in the finance department under the direction of the Secretary & Treasurer. A final draft is then forwarded to the Chairperson of the Independent Governance & Audit Committee, and the President of the UTUIA (now AJFL) for review and approval before the document is filed. Form 990, Part VI, Section B, Line 12c The Board members are required on an annual basis to review the conflict-of-interest policy and enter their adherence and approval into the minutes. Form 990, Part VI, Section B, Line 15 The Board of Directors established a Compensation Committee to research and establish guidelines for compensation based on the "completion of goals" for the President and the Secretary & Treasurer. The Compensation Committee also reviews and recommends Board of Director fees and retainers. The full Board of Directors approves compensation for the President, Secretary & Treasurer, and fees/retainers for Board members. Form 990, Part VI, Section C, Line 19 Policies are available upon written request through the Office of the President and copies are provided electronically or by mail. Form 990, Part XI, Line 9 The amount of $2,286,661 is the change in net realized gain of $2,132,095, plus the change in Asset Valuation Reserve of $137,129, plus the change in non-admitted assets of 17,437 during year 2024. This filing is not late. The IRS approved Form 8868, Application for Extension, and the Notice Date is March 17, 2025.