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
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.

Getting Past the Misconceptions

Debunking savings myths one at a time. 

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Article Hero Image

Misconceptions. They’re everywhere. Some of them can be about your finances – why you can’t save money or why you’re not reaching your goals, for example. Perhaps you’ve even caught yourself saying some of them.

Don’t let these myths stop you from reaching your savings goals.

1. “I’m too old to start saving.”
It’s never too late to start saving, even if you can only put a few dollars away every month. Every penny you save will help bring you closer to your goal. Need help putting a strategy in place to keep yourself accountable? Contact a Modern Woodmen representative today! They’re here to help.

2. “Putting off saving for a few more years won’t hurt me.”
The longer you wait to start saving, the harder it will be to achieve your savings goals. Consider this example assuming Chris and Ashley both receive an annual 5 percent interest rate:

  • Chris and Ashley are both age 25:
    Chris begins setting aside $200 per month. Ashley waits five years and then begins setting aside $200 per month.
  • Chris and Ashley turn 65:
    Chris now has $306,475 in savings. Ashley’s savings grew to just $228,165. The cost of waiting just five years: $78,310.

3. “I don’t have many options when it comes to savings.”
IRAs, annuities, college savings plans – these are just a few of the options Modern Woodmen offers to aid your savings goals. Talk to your local representative to see what plan best suits your needs. Whether you’re just starting out in the workforce or getting ready to retire, you have options!

4. “I can’t save for my retirement and my child’s college expenses at the same time.”
Consider a Roth IRA. This may provide the flexibility you’re looking for. 

  • You can contribute up to $6,000 each year ($7,000 if you’re age 50 or older).
  • Contributions are made with after-tax dollars and are not taxable when withdrawn.
  • Contributions are withdrawn before earnings.
  • Earnings withdrawn and used for qualifying college expenses will be subject to ordinary income taxes but not the 10 percent premature distribution penalty from the IRS. Tax issues can be complex. Consult a tax professional before making a decision.

5. “Life insurance can’t help me save.”
Permanent life insurance helps protect and provide for your family … and you. Most importantly, it safeguards your family if you die. But it also offers living benefits for you. Permanent life insurance builds cash value, which you could borrow from for emergencies, a down payment on a house, retirement or other opportunities. Contact a Modern Woodmen representative for more information.

Your financial representative

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

Find a rep near you

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

I'm here to help

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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.

529 plans

529 plans

Saving for college is a priority for many families today, and a 529 plan gives you the ability to save for higher education expenses while receiving tax benefits not found in other investment options.

Discount Programs
Fraternal program

Discount Programs

Member families can save money on electronics, pet supplies, entertainment and much more through our discount partnership with PerkSpot.