Enjoy these benefits:

1. Guaranteed return of principal – Modern Woodmen guarantees to return 100 percent of your principal contributions, minus the amount of any previous withdrawals, if you surrender your annuity.

2. Guaranteed minimum interest rate – You will never receive less than the guaranteed minimum interest rate stated in the annuity certificate.  Modern Woodmen strives to offer the highest possible guarantee while investing our members’ money in quality, conservative investments.

3. Competitive current interest rate – Current interest rates are reviewed quarterly and reflect current market conditions.  Current society practice is to credit additional interest for account values exceeding $25,000.

4. Tax-deferred growth – Interest accumulates tax-deferred until you take a withdrawal.

5. No upfront sales charges or annual maintenance fees – 100 percent of your contributions will earn interest.

6. Fixed surrender charge period – Surrender charges exist for the first eight years of the annuity only. A separate surrender charge schedule is not attached to each contribution.

7. Flexible payout options – You can choose from a variety of payout options to fit your needs, including a guaranteed income for the rest of your life.

8. Not subject to probate – Proceeds can be paid to a named beneficiary (other than your estate), avoiding the possible delays and expense of probate.

A MaxProviderSM annuity can also be used to fund retirement accounts, such as Traditional IRAs, Roth IRAs or 401(k) plans.  Visit IRAs and Retirement to learn more about the different retirement plans we offer.

Whether you are just beginning to save for retirement, getting ready to retire or have already retired, a MaxProviderSM annuity can help you achieve your retirement planning and retirement distribution goals.  Your Modern Woodmen representative can help you get started on your path to a comfortable retirement today.