About Us

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

About Us
Modern Woodmen of America, Rock Island, IL

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Grow with Modern Woodmen! As a financial representative, you can make a positive impact for your family and your community.

Financial Planning

We can help you meet your current needs, achieve your future dreams and plan for all stages of life.

Planning for Life
Stories of strength from our history
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Persevering Through Uncertain Times

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Modern Woodmen maintains a portfolio of high-quality financial products that can help you meet a wide range of life needs.

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Financial planning

Browse our helpful tips and articles to understand what’s important to you and your loved ones.

My Membership

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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Member Website Overview

Make a payment, update your address, and access account information, online forms and fraternal programs from the member website.

Life insurance is for anyone who lives

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It’s Life Insurance Awareness Month

Your life can change in an instant. You’ll never know when or if you may not be there to support the ones you love. That’s why you protect them with life insurance. It’s for anyone who lives.

For the past 20 years, the month of September has been dedicated to reminding people that they can protect the ones they care about with life insurance.

Life insurance ownership rose to 52% last year. These owners reported feeling more financially secure (by 20%) over those without life insurance coverage. (2023 Insurance Barometer Study, Life Happens/LIMRA)

By getting life insurance, you can help you and your family feel financially secure. And it’ll help avoid any financial strain that occurs due to the unexpected.

Still not sure? We’ve answered some common questions.

Isn’t life insurance expensive?

You’ll be happy to hear its more affordable than you think! Most people overestimate its cost by three times or more! (2023 Insurance Barometer Study, Life Happens/LIMRA)

Take action: Talk to a local financial representative to get a free life insurance quote. They’ll work within your budget to develop a plan that’s right for you.

Do I really need life insurance?

Life insurance is for anyone who lives. It provides support to the ones you leave behind. It can:

  • Cover bills.
  • Pay for funeral costs.
  • Replace income in a household.
  • Serve as an inheritance for a loved one.
  • Fund a child’s education.
  • Provide a donation to a charitable organization.

Take action: Everyone could benefit from life insurance. Consider the impact you make – providing wages, caring for your family members and friends, volunteering for local causes and more. What would happen if it stopped? Life insurance can help your loved ones avoid financial burdens.

Aren’t I too young?

The younger and healthier you are, the easier it is to get covered (and stay covered) at a great rate. As you age, you may develop a condition that makes you uninsurable. Getting it now will help protect your insurability.

Take action: There’s no optimal age for life insurance protection. The sooner you’re covered, the sooner you get peace of mind. It’s that simple.

Who should be my beneficiary?

Your beneficiary will receive the death benefit payment from your life insurance. This can be a spouse, child, sibling, parent, or any loved one. Be sure to tell them where to find your certificate (policy) information. Your beneficiary may also help carry out your final wishes.

Take action: This is an important step in the planning process, and there are many things to consider.

Next step

Find your local Modern Woodmen representative at reps.modernwoodmen.org. Schedule a time to review your financial plan, starting with your life insurance protection.

It’s especially important to review your coverage (the benefit amount and your listed beneficiaries) after a major life change, such as:

  • Starting a new job.
  • Purchasing a new house.
  • Getting married.
  • Having a child.

In the meantime, check out the resources below for planning tools, personal stories and more messages about the value of life insurance.

Modern Woodmen stories and resources

Our products: Life insurance

Life insurance needs calculator

Related member stories

Related articles

About Life Insurance Awareness Month

Life Insurance Awareness Month is a nationwide campaign created in 2004 by Life Happens. Life Happens’ mission as a nonprofit is to give consumers unbiased information to help them make smart insurance choices to protect their loved ones.

Life Happens does not endorse any insurance company, product or advisor.

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