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.

Rev Up for Retirement

Tennessee retiree enjoys the freedom that comes from good planning

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Man leaning by his yellow car

Harold's story

Harold likes to tinker with old cars – not with his retirement savings.

Harold, a Modern Woodmen member from Tennessee, retired in early 2020 after working for 40 years at a diesel piston manufacturing company.

“It was a pretty good job. I made a career out of it,” Harold says. “But it was time to hang it up.”

Can I retire?

The decision to retire sounds like a simple one. Who doesn’t want to stop working? But no more job means no more paycheck. That can be scary.

Will your retirement savings last? Will you have enough money to meet your basic needs each month? Or will you be so worried about running out of money that you can’t spend a little for a vacation? Or on your grandkids? Or, in Harold’s case, on admiring those old cars?

As Harold approached retirement, he started thinking about how much money he would need to live on.

“I wanted to make sure I had enough put away that I could feel comfortable and it would last,” he says.

That’s when he turned to Modern Woodmen representative Lance Wampler, Morristown, Tennessee.

“I was running the numbers in my head,” Harold says. “Lance laid out what I could do to reach my goals.”

“I wanted to make sure I had enough put away that I could feel comfortable and it would last.” – Harold Waddell, member from Russellville, Tennessee

Taking stock

Lance helped Harold determine how much money he would need in retirement. They also took stock of all of Harold’s potential income sources.

“One of the biggest things Harold was looking for was guidance,” Lance says. “I helped reassure him that he was on the right path.”

Harold is one of the lucky ones. When he first started working, his employer offered a pension plan. That meant he had built-in savings funded by his employer that would turn into a guaranteed monthly paycheck at retirement. The company eventually phased out pensions, but the money in the plan remained his.

When his company introduced a 401(k) plan and began matching employee contributions, Harold took advantage of the opportunity.

“Some were a little hesitant about joining the 401(k), but I went ahead,” Harold says.

“One of the biggest things Harold was looking for was guidance,” Lance says. “I helped reassure him that he was on the right path.”

With multiple income sources at Harold’s disposal, including Social Security, Lance helped Harold realize he had saved enough and could retire. He helped Harold purchase personal life insurance and maximize his pension. And he helped roll over some of Harold’s 401(k) savings into conservative options more suitable for this stage of his life.

“I felt it was a good move,” Harold says.

Financial freedom

Now Harold has peace of mind … and freedom. He knows his wife, Joyce, will be financially OK if something happens to him. And now he isn’t tied down by a work schedule – or fears he won’t have money to live on in retirement.

He and Joyce are buckled in for a long and happy retirement.


Lance Wampler
Financial Representative

Additional products and services

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

MaxProvider® flexible premium deferred annuity

MaxProvider® flexible premium deferred annuity

Modern Woodmen of America’s MaxProvider® is a safe way to accumulate retirement savings that can last your lifetime. This flexible premium deferred annuity helps reduce retirement planning uncertainty by eliminating the risk of market volatility and making sure your money is there when you need it – whenever that may be.

Fraternal program