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Life Insurance
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Children's and Young Adult's Life Insurance
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Modern Woodmen Bank

Step One®
In This Section
Children's and Young Adult's Life Insurance
Junior Max®
Step One®
The Step One® plan is easy to obtain. No medical exam is required; just answer a few health questions in the application. Children and young adults, newborn to age 25, are eligible to apply for $10,000 or $25,000 of coverage that lasts until they reach age 30. You choose the amount of coverage that best fits your needs and budget.


Affordable premiums 
This is a low-cost term life insurance product. Regular premiums remain level until the insured’s 30th birthday. Or choose to make just one convenient payment when you first purchase the plan.  

Protection against disability
If you pay with regular premiums, your certificate will include the Waiver of Premium Benefit. Contact your Modern Woodmen representative for details.  

Future insurability
Help assure yourself or your child life insurance protection for life. Convert the plan at any time to term or permanent life insurance protection of up to two times the original amount (up to $20,000 or $50,000 of coverage). No medical exam is required.

Option to increase coverage
Upon conversion, you could take advantage of guaranteed options to purchase additional amounts of life insurance at stated ages without providing evidence of insurability. Think of how valuable this could be in the future, especially if health problems develop later in life.

Valuable protection
The death benefit provides peace of mind for families and financial assistance in case tragedy strikes. Proceeds can be used to cover funeral and medical bills or pay off college expenses and other loans.

Member benefits
As a Modern Woodmen member, gain access to valuable fraternal benefits, such as youth service clubs, college scholarships, medical information and more.

Plan may not be available in all states.

Step One® Optional Benefits
When the young adult converts his or her Step One® certificate to a permanent life insurance plan, he or she can include the following additional benefits without answering any health-related questions:

  • Guaranteed
    Purchase Option

  • Waiver of
    Premium Benefit

Learn more about these benefits.