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
Image of a nurse caring for a tuberculosis patient.

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
Don't know where to start?
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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.

Time to Convert?

Term life insurance. Permanent life insurance. Which is right for you? Determining the right time to convert your term life insurance to permanent coverage is a little like deciding when to buy a house. There are advantages and disadvantages.

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Short-term housing

Appeal: Renting lets you enjoy all the comforts and shelter a home provides, but with limited or no maintenance. If you might relocate in a few years, renting can save you thousands of dollars in buying and selling fees. Depending on your situation, a rent payment may initially cost less than a mortgage.

Drawback: Rent payments can increase each time you renew your lease, and your landlord may not offer a new lease. There is no return investment on the money you pay for rent, unlike the equity homeowners build.

Short-term insurance

Appeal: Term life insurance can be the most affordable option when you need a high protection amount but have limited resources. Term plans can provide temporary coverage while you raise a family or pay off the mortgage.

Drawback: Payments that were level for 10, 20 or 30 years, depending on the length of term you selected, may increase dramatically after the end of those 10, 20 or 30 years. The older you get, the sharper your premiums may increase – with no cash value to show for it. Eventually, term insurance can become very expensive. You could end up unable to afford coverage at the time you need it most.

A permanent option

The good news is Modern Woodmen term plans offer a conversion option. This allows you to convert all or a portion of your term life insurance to a permanent plan without blood tests or medical questions.

With permanent life insurance you can:

• Lock in your premium. You could pay more at first for whole life insurance, but your rate will never increase. The total cost over time may even be less than comparable term coverage. Plus, Modern Woodmen whole life plans allow you to structure your premiums to last for 10 years, 20 years, to age 65 or to age 121. Or choose to pay it all at once in a single premium.*

• Lock in insurability for life. Permanent insurance can provide lifelong protection. As long as you pay the required premiums, your certificate can never be cancelled, regardless of age or changes in health.

• Enjoy living benefits. Permanent life insurance plans can build cash value. You can borrow cash value to help pay a child’s college costs, supplement your retirement or take advantage of a business opportunity.

Term life insurance provides great protection. But like buying a home, permanent coverage may be the best option for you in the long run. Your Modern Woodmen representative can help you decide based on your unique needs and budget.

*All premium options are not available for all ages.

Your financial representative

Meet a Modern Woodmen representative in your community and begin to explore how shared values can work for you.

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Need help finding a representative?

If you’re unable to find a Modern Woodmen representative in your community, we’d like to help.

Contact the home office

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Cameron Cameron
Phone: 000-000-0000
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Additional products and services

Talk to a representative to see what's best for you.

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.

Do-Good Grant®
Fraternal program

Do-Good Grant®

Members can apply to receive a $200 bank card and other resources to coordinate a small-scale volunteer project with family and friends. Modern Woodmen will award up to 250 grants per year on a first-come, first-served basis.