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Since 1883, Modern Woodmen of America has brought people together, supported families and strengthened communities.

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Modern Woodmen of America, Rock Island, IL

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When you join Modern Woodmen, you become a member of the organization. You trust us with your financial needs. And you have the opportunity to access fraternal member programs and impact your community.

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Modern Woodmen of America continues to pioneer positive futures for its members

Fraternal financial services organization shares 2023 results

View the 2023 annual report.

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Modern Woodmen of America reports strong results for year-end 2023, including increased life insurance in force, growth of surplus and premium income, and continued community impact.

The fraternal financial services organization has been committed to helping its members protect their futures for 141 years.

In 2023 the organization launched their first major brand campaign. New advertising features characters from 1883 and celebrates the pioneer spirit of their members. It honors the organization’s history and the common bonds that connect its members -- financial security, quality family life and community impact.

“Our members, field representatives, fraternal leaders and employees have different needs, skills and talents. But we all connect through the common values held since this organization was founded back in 1883,” said President and CEO Jerry Lyphout.

“Our common bonds are the common goals we seek for ourselves, for those we love, and for the places we call home. We’ve had an exciting year of new opportunities. And I’m excited to see what our organization can accomplish in the years to come.”


  • Life insurance in force grew to $44.33 billion. Continued life insurance growth shows the value of protection in challenging times.
  • Total surplus increased to $2.45 billion, and premium income grew to $1.2 billion. Modern Woodmen’s solvency ratio continues to exceed the industry average, supporting the organization’s commitment to members.
  • Fraternal support for members and their communities reached $18.2 million. These expenditures funded Modern Woodmen programs such as college scholarships, matching funds for member-chosen causes in their communities, and a national campaign supporting children’s literacy.

Life insurance in force provides protection for members

Life insurance in force, the total amount of life insurance owned by members to protect their families financially after a death, increased to $44.33 billion in 2023. Payments and benefits to members totaled $1.65 billion for the year. This includes death benefits, annuity payments and surrender benefits.

Strong asset base backs promises made to members

Modern Woodmen’s assets, which are invested primarily in high-quality, low-risk corporate and government bonds, totaled $17.73 billion at year-end. The total life insurance and annuity premium income received by Modern Woodmen rose to $1.2 billion.

Total surplus continues to grow each year, reaching $2.45 billion at year-end 2023. These funds ensure Modern Woodmen’s ability to meet unforeseen events and provide funds for future growth opportunities.

Modern Woodmen’s solvency ratio reached 116.04%. That means for every $100 of liabilities, Modern Woodmen has $116 in assets that back Modern Woodmen’s promises to members.

Fraternal programs support members and communities nationwide

More than 700,000 people throughout the United States are Modern Woodmen members. In 2023, the organization contributed $18.2 million to support member- and community-oriented programs across the nation. Examples from 2023:

  • The Raising Readers initiative supported children’s literacy throughout the country. Members helped nearly 20,000 kids find joy in reading.
    • Throughout the year, members read to and with kids, passed free books out to the community, fulfilled needs for local classrooms and libraries, and worked one-on-one with kids to help them write their own stories.
  • Modern Woodmen’s Fraternal Aid Fund covered nearly $55,000 in premiums for members experiencing financial distress due to medical or natural disasters.
  • The Birthday Book Club gave over 18,000 children a free book for their birthdays.
  • Make An Impact Scholarships®, which provide funds for 198 young members each year, awarded $450,000 to students.
  • Over 250,000 volunteer hours were recorded by members and their guests who took part in Modern Woodmen service projects.
  • Members supported over 3,500 fundraisers through Modern Woodmen’s Matching Fund Program. Modern Woodmen’s matching contributions in 2023 totaled $5.4 million.

About Modern Woodmen

Modern Woodmen was founded in 1883 as a fraternal benefit society. The organization supports members, families and communities with a unique blend of financial services, fraternal programs and local-impact opportunities.

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