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

Looking for a meaningful career?

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

Our Products

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

Our Products
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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.

My Membership
Member Website
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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.

​5 Key Estate Planning Tools

Wills, trusts, powers of attorney, living wills and life insurance can work together to help you plan your estate. 

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Estate planning
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Estate planning

Five key tools can work together to help you plan your estate.


Do you have a will? When was the last time it was updated? An up-to-date will is very important.

Your will is a legal document, usually drafted by an attorney, which specifies how, when, and to whom your assets will be distributed following your death. Your will does not have to be complicated, but it should take into consideration several items. It should:

  • Specify who will receive your assets, including specific bequests.
  • Name a legal guardian for your children.
  • Name your executor, who will manage and administer your estate.
  • Determine which assets pass immediately to heirs and which pass into trusts or other accounts to be distributed later.
  • Specify any charities or organizations you would like to benefit.


In order to accomplish specific or more complex financial goals, you may also need to utilize a trust.

A trust is an arrangement to manage distribution of an asset, whether it is a property or cash. For estate planning purposes, the asset can be transferred to a trust, which then “owns” the property, for the benefit of or eventual distribution to a beneficiary. You can establish and transfer assets to a trust during your lifetime, or you can do so through your will (called a testamentary trust).

Through the use of various trusts, you can:

  • Transfer property to your heirs privately and without the cost and potential delays of probate.
  • Provide ongoing income to a spouse, minor child, elderly parent or someone with special needs.
  • Reduce estate taxes.
  • Benefit a favorite charity.

Powers of attorney

There are two main types of powers of attorney:

  • Financial powers of attorney make financial decisions and manage your assets. They dictate who will handle your affairs in the event you become incapacitated.
  • Health care powers of attorney make decisions for your health care and treatment.

Living will

A living will, sometimes called an advanced directive, indicates your desired treatment if incapacitated. It will also guide your family and health care providers in fulfilling your wishes.

Life insurance

Life insurance accomplishes what no other planning tool can. It provides an instant source of income tax-free cash. Your family members can use this cash to maintain their lifestyle, pay taxes (without liquidating your assets) and carry out your estate distribution wishes.

Your financial representative

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Additional products and services

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Universal life insurance

Universal life insurance

Universal life insurance is a kind of permanent life insurance coverage that provides flexible protection and cash accumulation that you can adjust as your needs change.