Hawaii Life and Disability Insurance Guaranty Association
Public records raise at least one point you should look into before giving.
What it says it does
The Association's statutory mission is set forth and governed by the HLDIGA Act (i.e., to protect Hawaii owners and beneficiaries of policies issued by Hawaii licensed life and health insurance companies that become impaired or insolvent, subject to certain limits).
- Income
- $1.2 million
- Spending
- $1.3 million
- Employees
- 1
- Volunteers
- 0
- Highest pay
- $105,710, executive director
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Financial health
We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Governance
This return does not answer enough of the governance questions to score.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (2)
- $1.3 million spent. Approximately 54.3% ($686,111 / $1,262,633) of the Total Expenses and Program Services Expenses were used by the Association to settle claims of Hawaii owners and beneficiaries of policies issued by Hawaii licensed impaired or insolvent life and health insurance companies in accordance with its sole program service mission. Approximately, 45.7% ($576,518 / $1,262,633) of the remaining expenses were attributable to ordinary and necessary expenses of the Association in fulfilling its sole program service mission, which are reported on Form 990, Part IX, Columns A and B.
- Program Service Revenue reported on Form 990, Part VIII, comprise of Premiums collected from Hawaii policy owners of impaired or insolvent insurance companies to satisfy their respective policies obligations in order to recognize future policy benefits amounting to $271,426. Additionally, Early Access Distributions represent pro rata receipts from insolvent insurers per court order or the National Organization of Life and Health Insurance Guaranty Associations ("NOLHGA") amounting to $4,504.
Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(6) business league.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(6) business league as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since November 1983.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.