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CHARITY REVIEW
Issued: January 2026 Expires: January 2028

For Life Ministries

Standards Not Met
Standards Not Met
11 13 17
PO Box 443
Owens Cross Roads, AL, 35763

Standards For Charity Accountability

Governance

  1. Board Oversight
  2. Board Size
  3. Board Meetings
  4. Board Compensation
  5. Conflict of Interest

Measuring Effectiveness

  1. Effectiveness Policy
  2. Effectiveness Report

Finances

  1. Program Expenses
  2. Fundraising Expenses
  3. Accumulating Funds
  4. Audit Report
  5. Detailed Expense Breakdown
  6. Accurate Expense Reporting
  7. Budget Plan

Fundraising & Info

  1. Truthful Materials
  2. Annual Report
  3. Website Disclosures
  4. Donor Privacy
  5. Cause Marketing Disclosures
  6. Complaints

For Life Ministries does not meet the following 3 Standards for Charity Accountability:

Standard 11 (Financial Statements)
Make available to all, on request, complete annual financial statements prepared in accordance with generally accepted accounting principles. When total annual gross income exceeds $1 million, these statements should be audited in accordance with generally accepted auditing standards. For charities whose annual gross income is less than $1 million, a review by a certified public accountant is sufficient to meet this standard. For charities whose annual gross income is less than $250,000, an internally produced, complete financial statement is sufficient to meet this standard.

The charity does not meet this Standard because:

Organization did not provide the required internally-produced financial statements (which are not included in the Form 990-EZ).

Standard 13 (Accuracy of Expenses in Financial Statements)
Accurately report the charity's expenses, including any joint cost allocations, in its financial statements. For example, audited or unaudited statements which inaccurately claim zero fund raising expenses or otherwise understate the amount a charity spends on fund raising, and/or overstate the amount it spends on programs will not meet this standard.

The charity does not meet this Standard because:

Organization does not report fundraising expenses.

Standard 17 (Web Site Disclosures)
Include on any charity websites that solicit contributions, the same information that is recommended for annual reports, as well as the mailing address of the charity and electronic access to its most recent IRS Form 990.

The charity does not meet this Standard because:

Organization's annual report is not posted to website.

The BBB Wise Giving Alliance requested but did not receive complete information from the organization and is unable to verify the organization's compliance with the following Standard(s) for Charity Accountability: 9

For Life Ministries meets the remaining 16 Standards for Charity Accountability.

Stated Purpose:
Our mission is to provide Christ-centered, certified life coaching and practical assistance to under-resourced families while they focus on becoming spiritually strong, socially engaged, and equipped to live with purpose.

Year, State Incorporated:
2011,

Families can remain part of For Life for up to 5 years. During this time, they can receive:
Assistance kits
Monthly fellowship times
Financial assistance for Unexpected Living Expenses 
Free Christ-centered, certified life coaching
      
Assistance Kits
Once a month the families receive a gas voucher, a household item such as laundry detergent, toilet paper, or paper towels, and a bag of fresh and frozen food that includes meat, vegetables, and fruit   


Monthly Fellowships
At the hour-long monthly fellowships, the families eat breakfast or dinner together (depending on the time of the fellowship), hear an encouraging word from the Bible, and share prayer requests. The families also receive their assistance kit at the end of the fellowship time.

Financial Assistance for Unexpected Living Expenses
For Life helps cover expenses that arise outside the typical monthly budget such as car repairs, home repairs, or medical expenses.

Life Coaching
Each adult is required to attend a coaching session with the For Life Director at least once a quarter to continue receiving the other services.

For the year ended December 31, 2023, For Life Ministries's program expenses were:

Missionary support in Haiti $87,317
Food box program $76,210
Emergency living expenses $5,216
Other $1,520
Total Program Expenses $170,263

Chief Executive
Lani Lacy, Executive Director

Board Size
6

Method(s) Used:
Print advertisements (newspapers, magazines, etc.), Television, Grant proposals, Cause-related marketing (affinity credit cards, consumer product sales, etc.)

This organization is tax-exempt under section 501(c)(3) of the Internal Revenue Code. It is eligible to receive contributions deductible as charitable donations for federal income tax purposes.

The following information is based on For Life Ministries's IRS Form 990 for the year ended December 31, 2023.

Source of Funds
Contributions and grants $194,332
Total Income $194,332

Programs: 99% Fundraising: 0% Administrative: 1%

Total Income $194,332
Total expenses: $172,231
  Program expenses $170,263
  Fundraising expenses $0
  Administrative expenses $1,968
  Other expenses $0
Income in Excess of Expenses $22,101
Beginning Net Assets $80,811
Other Changes In Net Assets $0
Ending Net Assets $102,912
Total Liabilities $432
Total Assets $103,344

An organization may change its practices at any time without notice. A copy of this report has been shared with the organization prior to publication. It is not intended to recommend or deprecate, and is furnished solely to assist you in exercising your own judgment. If the report is about a charity and states the charity meets or does not meet the Standards for Charity Accountability, it reflects the results of an evaluation of information and materials provided voluntarily by the charity. The name Better Business Bureau is a registered service mark of the International Association of Better Business Bureaus.

This report is not to be used for fundraising or promotional purposes.

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Report completed by:
BBB Serving North Alabama