WELLNESS IN ACTION: Form 990EZ, tax year 2015
View the entire original 990 at ProPublica ↗
- Organization
- WELLNESS IN ACTION (EIN 20-4166176)
- Tax period
- 2015-01-01 to 2015-12-31
- Filed
- 2016-02-15
- IRS object ID
- 201640479349200979
- Schema version
- 2015v2.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2016-02-15T00:00:00-06:00 | ReturnTs |
| Tax Period End | 2015-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 390758449 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WIPFLI LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 777 EAST MAIN SUITE 201 | AddressLine1Txt |
| City | BOZEMAN | CityNm |
| State Abbreviation | MT | StateAbbreviationCd |
| ZIP | 59715 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990EZ | ReturnTypeCd |
| Tax Period Begin | 2015-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 204166176 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WOMEN IN ACTION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | WOME | BusinessNameControlTxt |
| Phone | 4062097098 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 161143 | AddressLine1Txt |
| City | BIG SKY | CityNm |
| State Abbreviation | MT | StateAbbreviationCd |
| ZIP | 59716 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | PAT KIMMEL | PersonNm |
| Person Title | TREASURER | PersonTitleTxt |
| Phone | 4062097098 | PhoneNum |
| Signature | 2016-02-02 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | WAYNE IWEN | PreparerPersonNm |
| PTIN | P00323206 | PTIN |
| Phone | 4065862386 | PhoneNum |
| Preparation | 2016-02-02 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2015 | TaxYr |
| Build TS | 2016-09-27 15:27:22Z | BuildTS |
Form 990-EZ IRS990EZ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Website Address | WWW.WIABIGSKY.ORG | WebsiteAddressTxt |
| Organization501c3 | Yes (X) | Organization501c3Ind |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Gross Receipts | $129,304 | GrossReceiptsAmt |
| Info In Schedule O Part I | Yes (X) | InfoInScheduleOPartIInd |
| Contributions Gifts Grants Etc | $79,648 | ContributionsGiftsGrantsEtcAmt |
| Investment Income | $105 | InvestmentIncomeAmt |
| Fundraising Gross Income | $49,551 | FundraisingGrossIncomeAmt |
| Special Events Direct Expenses | $17,016 | SpecialEventsDirectExpensesAmt |
| Special Events Net Income Loss | $32,535 | SpecialEventsNetIncomeLossAmt |
| Total Revenue | $112,288 | TotalRevenueAmt |
| Salaries Other Comp Empl Bnft | $25,658 | SalariesOtherCompEmplBnftAmt |
| Fees And Other Pymt To Ind Cntrct | $3,250 | FeesAndOtherPymtToIndCntrctAmt |
| Occupancy Rent Utlts And Maint | $5,359 | OccupancyRentUtltsAndMaintAmt |
| Printing Publications Postage | $5,765 | PrintingPublicationsPostageAmt |
| Other Expenses Total | $89,335 | OtherExpensesTotalAmt |
| Total Expenses | $129,367 | TotalExpensesAmt |
| Excess Or Deficit For Year | -$17,079 | ExcessOrDeficitForYearAmt |
| Net Assets Or Fund Balances BOY | $136,668 | NetAssetsOrFundBalancesBOYAmt |
| Other Changes In Net Assets | $0 | OtherChangesInNetAssetsAmt |
| Net Assets Or Fund Balances EOY | $119,589 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part II | Yes (X) | InfoInScheduleOPartIIInd |
Cash Savings And Investments CashSavingsAndInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $120,499 | BOYAmt |
| EOY | $119,556 | EOYAmt |
Other Assets Total Detail OtherAssetsTotalDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $16,862 | BOYAmt |
| EOY | $1,149 | EOYAmt |
Form990 Total Assets Form990TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $137,361 | BOYAmt |
| EOY | $120,705 | EOYAmt |
Sum Of Total Liabilities SumOfTotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $693 | BOYAmt |
| EOY | $1,116 | EOYAmt |
Net Assets Or Fund Balances NetAssetsOrFundBalancesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $136,668 | BOYAmt |
| EOY | $119,589 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Primary Exempt Purpose | THE PURPOSE OF WOMEN IN ACTION IS TO ENRICH THE LIVES OF CHILDREN AND FAMILIES. WE PROVIDE ACCESS AND SUPPORT TO SOCIAL PROGRAMS FOR OUR UNDERSERVED RURAL BIG SKY COMMUNITY. | PrimaryExemptPurposeTxt |
Program Srvc Accomplishment ProgramSrvcAccomplishmentGrp (2 entries)
| Description Program Srvc AccomDescriptionProgramSrvcAccomTxt | Grants And AllocationsGrantsAndAllocationsAmt | Program Service ExpensesProgramServiceExpensesAmt |
|---|---|---|
| MENTAL HEALTH SUPPORT: PROVIDE COMMUNITY COUNSELING AND LOW COST MENTAL HEALTH SERVICES FOR ADULTS AND CHILDREN PRIVATELY, THROUGH OPHIR SCHOOL AND THROUGH LONE PEAK HIGH SCHOOL. ALSO PROVIDE SUPERVISED TRAINING FOR GRAD COUNSELING STUDENTS. | $0 | $26,510 |
| CAMP SCHOLARSHIPS: PROVIDE CAMP SCHOLARSHIPS FOR BIG SKY YOUTH TO PARTICIPATE IN LOCAL SUMMER AND WINTER CAMPS FOR FAMILIES NEEDING ASSISTANCE. | $0 | $51,318 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $77,828 | TotalProgramServiceExpensesAmt |
Officer Director Trustee Empl OfficerDirectorTrusteeEmplGrp (10 entries)
| TitleTitleTxt | Average Hrs Per Wk Devoted To PosAverageHrsPerWkDevotedToPosRt | CompensationCompensationAmt | Employee Benefit ProgramEmployeeBenefitProgramAmt | Expense Account Other AllwncExpenseAccountOtherAllwncAmt |
|---|---|---|---|---|
| ANDREA SCHOLZ | ||||
| PRESIDENT | 1.00 | $0 | $0 | $0 |
| PATRICIA KIMMEL | ||||
| TREASURER | 1.00 | $0 | $0 | $0 |
| SHANNON BECKER | ||||
| SECRETARY | 1.00 | $0 | $0 | $0 |
| ANNE STAUDT | ||||
| VICE PRESIDENT | 1.00 | $0 | $0 | $0 |
| SHARON CLARKE | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| JENNIFER REED | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| MARNE HAYES | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| RACHEL THESING | ||||
| EXECUTIVE DIRECTOR | 20.00 | $25,658 | $0 | $0 |
| KAY REEVES | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| TERYE LOBLE | ||||
| DIRECTOR | 1.00 | $0 | $0 | $0 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part V | Yes (X) | InfoInScheduleOPartVInd |
| Activities Not Previously Rpt | 0 | ActivitiesNotPreviouslyRptInd |
| Chg Made To Orgnzng Doc Not Rpt | 0 | ChgMadeToOrgnzngDocNotRptInd |
| Organization Had UBI | 0 | OrganizationHadUBIInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Organization Dissolved Etc | 0 | OrganizationDissolvedEtcInd |
| Direct Indirect Pltcl Expend | $0 | DirectIndirectPltclExpendAmt |
| Made Loans To From Officers | 0 | MadeLoansToFromOfficersInd |
| Tax Imposed Under IRC4911 | $0 | TaxImposedUnderIRC4911Amt |
| Tax Imposed Under IRC4912 | $0 | TaxImposedUnderIRC4912Amt |
| Tax Imposed Under IRC4955 | $0 | TaxImposedUnderIRC4955Amt |
| Engaged In Excess Benefit Trans | 0 | EngagedInExcessBenefitTransInd |
| Tax Imposed On Organization Mgr | $0 | TaxImposedOnOrganizationMgrAmt |
| Tax Reimbursed By Organization | $0 | TaxReimbursedByOrganizationAmt |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | PATRICIA KIMMEL | PersonNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 161143 | AddressLine1Txt |
| City | BIG SKY | CityNm |
| State Abbreviation | MT | StateAbbreviationCd |
| ZIP | 59716 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 4062097098 | PhoneNum |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Donor Advised Fnds | 0 | DonorAdvisedFndsInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Tanning Services Provided | 0 | TanningServicesProvidedInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Political Campaign Acty | 0 | PoliticalCampaignActyInd |
| Lobbying Activities | 0 | LobbyingActivitiesInd |
| School Operating | 0 | SchoolOperatingInd |
| Trnsfr Exmpt Non Chrtbl Rltd Org | 0 | TrnsfrExmptNonChrtblRltdOrgInd |
| Part VI Of Comp Of Hghst Pd Empl | NONE | PartVIOfCompOfHghstPdEmplTxt |
| Part VI Hghst Pd Cntrct Prof Srvc | NONE | PartVIHghstPdCntrctProfSrvcTxt |
| Filed Schedule A | Yes (1) | FiledScheduleAInd |
Schedule A IRS990ScheduleA
| Field | Value | IRS element (for citing) |
|---|---|---|
| Publicly Supported Org509a2 | Yes (X) | PubliclySupportedOrg509a2Ind |
Gifts Grants Contris Rcvd509 GiftsGrantsContrisRcvd509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $107,054 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $165,433 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $143,362 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $100,733 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $79,648 | CurrentTaxYearAmt |
| Total | $596,230 | TotalAmt |
Gross Receipts Admissions GrossReceiptsAdmissionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $279 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $1,292 | CurrentTaxYearMinus3YearsAmt |
| Total | $1,571 | TotalAmt |
Total509 Total509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $107,333 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $166,725 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $143,362 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $100,733 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $79,648 | CurrentTaxYearAmt |
| Total | $597,801 | TotalAmt |
Amounts Rcvd Dsqlfy Person AmountsRcvdDsqlfyPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $20,000 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $20,000 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $50,000 | CurrentTaxYearMinus2YearsAmt |
| Total | $90,000 | TotalAmt |
Substantial Contributors Amt SubstantialContributorsAmtGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $2,500 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $90,000 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $12,500 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $26,500 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $10,000 | CurrentTaxYearAmt |
| Total | $141,500 | TotalAmt |
Subst And Dsqlfy Prsns Tot SubstAndDsqlfyPrsnsTotGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $22,500 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $110,000 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $62,500 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $26,500 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $10,000 | CurrentTaxYearAmt |
| Total | $231,500 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $366,301 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $82 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $33 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $24 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $105 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $105 | CurrentTaxYearAmt |
| Total | $349 | TotalAmt |
Investment Income And UBTI InvestmentIncomeAndUBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $82 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $33 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $24 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $105 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $105 | CurrentTaxYearAmt |
| Total | $349 | TotalAmt |
Total Support Calendar Year TotalSupportCalendarYearGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $107,415 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $166,758 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $143,386 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $100,838 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $79,753 | CurrentTaxYearAmt |
| Total | $598,150 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support CY509 | 0.61240 | PublicSupportCY509Pct |
| Public Support PY509 | 0.62450 | PublicSupportPY509Pct |
| Investment Income CY | 0.00060 | InvestmentIncomeCYPct |
| Investment Income PY | 0.00060 | InvestmentIncomePYPct |
| Thirty Thr Pct Suprt Tests CY509 | Yes (X) | ThirtyThrPctSuprtTestsCY509Ind |
Schedule B IRS990ScheduleB
Contributor Information ContributorInformationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Contributor | RESTRICTED | ContributorNum |
Contributor Business Name ContributorBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RESTRICTED | BusinessNameLine1 |
Contributor US Address ContributorUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | RESTRICTED | AddressLine1 |
| Address Line2 | RESTRICTED | AddressLine2 |
| City | RESTRICTED | City |
| State | RESTRICTED | State |
| ZIP Code | RESTRICTED | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Contributions | RESTRICTED | TotalContributionsAmt |
Schedule G IRS990ScheduleG
Fundraising Event Information FundraisingEventInformationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Event1 | GOLF TOURNAMENT | Event1Nm |
| Gross Receipts Event1 | $41,660 | GrossReceiptsEvent1Amt |
| Gross Revenue Event1 | $41,660 | GrossRevenueEvent1Amt |
| Food And Beverage Event1 | $4,408 | FoodAndBeverageEvent1Amt |
| Entertainment Event1 | $7,783 | EntertainmentEvent1Amt |
| Other Direct Expenses Event1 | $4,825 | OtherDirectExpensesEvent1Amt |
| Event2 | CAMP ANGEL | Event2Nm |
| Gross Receipts Event2 | $7,825 | GrossReceiptsEvent2Amt |
| Gross Revenue Event2 | $7,825 | GrossRevenueEvent2Amt |
| Other Events Total | 1 | OtherEventsTotalCnt |
| Gross Receipts Other Events | $66 | GrossReceiptsOtherEventsAmt |
| Gross Revenue Other Events | $66 | GrossRevenueOtherEventsAmt |
| Gross Receipts Total | $49,551 | GrossReceiptsTotalAmt |
| Gross Revenue Total Events | $49,551 | GrossRevenueTotalEventsAmt |
| Food And Beverage Total Events | $4,408 | FoodAndBeverageTotalEventsAmt |
| Entertainment Total Events | $7,783 | EntertainmentTotalEventsAmt |
| Oth Direct Expnss Total Events | $4,825 | OthDirectExpnssTotalEventsAmt |
| Direct Expense Summary Events | $17,016 | DirectExpenseSummaryEventsAmt |
| Net Income Summary | $32,535 | NetIncomeSummaryAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (5 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME | DESCRIPTION: INTEREST INCOME. AMOUNT: 105. |
| FORM 990-EZ, PART I, LINE 14 | DESCRIPTION: DEPRECIATION. AMOUNT: 435. DESCRIPTION: OTHER EXPENSES. AMOUNT: 4,924. TOTAL TO FORM 990-EZ, LINE 14: 5,359. |
| FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES | DESCRIPTION: BANKING. AMOUNT: 201. DESCRIPTION: BOD EXPENSES. AMOUNT: 395. DESCRIPTION: DUES AND MEMBERSHIPS. AMOUNT: 340. DESCRIPTION: INSURANCE. AMOUNT: 1,434. DESCRIPTION: MARKETING. AMOUNT: 4,578. DESCRIPTION: SCHOLARSHIP PROGRAMS. AMOUNT: 15,018. DESCRIPTION: EDUCATION PROGRAMS. AMOUNT: 36,300. DESCRIPTION: PAYROLL TAXES. AMOUNT: 2,855. DESCRIPTION: MENTAL HEALTH PROGRAMS. AMOUNT: 26,510. DESCRIPTION: OTHER. AMOUNT: 355. DESCRIPTION: PROFESSIONAL DEVELOPMENT. AMOUNT: 96. DESCRIPTION: IN KIND. AMOUNT: 58. DESCRIPTION: ART PARTY. AMOUNT: 170. DESCRIPTION: DONATIONS. AMOUNT: 1,025. TOTAL TO FORM 990-EZ, LINE 16: 89,335. |
| FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS | DESCRIPTION: GRANTS RECEIVABLE. BEG. OF YEAR AMOUNT: 16,325. END OF YEAR AMOUNT: 0. DESCRIPTION: PLEDGES RECEIVABLE. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 210. DESCRIPTION: OTHER DEPRECIABLE ASSETS. BEG. OF YEAR AMOUNT: 537. END OF YEAR AMOUNT: 939. |
| FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES | DESCRIPTION: PAYROLL LIABILITIES. BEG. OF YEAR AMOUNT: 693. END OF YEAR AMOUNT: 1,116. |
Transfer Prsnl Bnft Contracts Decl TransferPrsnlBnftContractsDecl
| Field | Value | IRS element (for citing) |
|---|---|---|
| Declaration | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. | DeclarationDesc |