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Financial Strength
Our responsibility to members – financial strength, financial security  

Protecting the funds Modern Woodmen members place with us is not only our promise, but it is an obligation we have met every day since 1883.   

Protecting members’ funds – Five facts to know  


1.
An increasing asset base   

Modern Woodmen has experienced steady growth in assets. In 2015 assets increased by 4.4 percent to $14.8 billion.  

All of the funds members place with Modern Woodmen are backed by our $14.8 billion in assets.


2. An investment philosophy that safeguards members’ principal  

Modern Woodmen manages its assets so that changes in the financial markets – recessions, depressions or periods of inflation – have minimal effect. Modern Woodmen is also careful not to follow investment fads.  

To build our investment portfolio, our financial management team follows these principles:

3. High industry rating from an independent analyst  

Modern Woodmen’s financial stability, security and management performance are rated A+ Superior by A.M. Best, an independent rating agency. A+ Superior ranks second highest of 15 ratings. 

quality_investment_chart_2015.jpg4. Growing surplus and reserves  

Modern Woodmen’s total surplus was $1.6 billion at the end of 2015. Surplus provides additional safety for members and ensures Modern Woodmen’s ability to meet unforeseen contingencies and provide funds for future growth.  

Modern Woodmen’s total life insurance, annuity and other certificate reserves increased by 4.3 percent in 2015 to more than $11 billion. These reserves are funds held to guarantee future benefits to members.  

Modern Woodmen has maintained a solvency ratio of between 111 and 112 percent. This means that for every $100 of liabilities – promises made to members – Modern Woodmen has more than $111 of assets to back up those promises.



5. Adherence to state insurance department regulations 

Modern Woodmen and other life insurance and annuity providers are highly regulated by state insurance departments. Regulations such as the amount of reserves to set aside and the risk level of investments provide additional protection.




For more information, please contact your local Modern Woodmen representative or call Modern Woodmen's Service Center at (800) 447-9811.

 

 

 

 


Related Link
Find out more about Modern Woodmen's AM Best rating.

AM Best rating


Contact Modern Woodmen's home office at 1-800-447-9811 Monday through Friday between 8:00 a.m. and 4:30 p.m. central time.  You can also contact us via email.​

http://www.modern-woodmen.org/AboutUs2/FinancialInformation/Pages/Financial Information.aspx