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
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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

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​How can estate planning help me if I have a child with special needs?


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Estate planning
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Estate planning

If you have a child who is dependent upon you and will need financial support upon your death, then you need an estate plan. Having a plan in place will provide you with peace of mind that your child will be taken care of and his/her financial future will be secure.

It's important to discuss your specific situation with an attorney. For example, did you know a person with special needs could be disqualified from receiving government assistance if he/she receives an inheritance or gift? To continue to receive federal aid, he/she cannot hold assets that exceed a certain threshold, sometimes as low as $2,000.*

An attorney can help you establish a special needs trust, which can help you provide for your dependent child while preserving your ability to receive state and federal assistance. You can fund a trust with assets from your estate as well as with life insurance proceeds.

Here are a few helpful tips to consider as you manage your finances today while securing a future for your child tomorrow.

  • Discuss your specific situation with an attorney.
  • Determine the future needs of your dependent child.
  • Have a will. Review it regularly. It is important to keep it up to date to provide for your child's changing needs. If you do not have a will, now is the time to put one in place.
  • Explore a special needs trust.
  • Review your beneficiaries.
  • Record your wishes.
  • Seek additional resources and support.

*Social Security Administration Publication No. 05-11000, May 2023

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Additional products and services

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Term life insurance

Term life insurance

No one expects to have a fatal accident, get sick or die too soon, but what if? What if those who depend on your income no longer could? Term life insurance can be an affordable way to get the protection you need to keep your family, your business, and your hopes and dreams alive. With term life insurance, your beneficiaries receive income-tax free money if you die during the term period – without the delays and expense of probate.