A: Go to Member Login to register. Click Sign Up Now and answer a short series of questions. You’ll need to enter:

• First and last name: Enter your first and last name exactly as they appear on the documents you receive from Modern Woodmen. If your name is incorrect in our records, please enter your name as Modern Woodmen lists it, then complete the Beneficiary/Name Change Form found in the Downloadable Forms area once you have access to the member website.
• Address: Enter your address.
• Phone number: Enter your phone number. The system will send a multifactor authentication code to this number.
• Date of birth: Enter your date of birth using the mm/dd/yyyy format.
• Social Security number: Enter the last four digits of your Social Security number. Note: Modern Woodmene may not have your Social Security number on file, or the number in Modern Woodmen’s files may be incorrect.

If you verify all the information entered but receive a message indicating that the information provided doesn't match our records, the Social Security number is most likely the culprit. To update your Social Security number in our records, please contact Modern Woodmen’s Service Center at 309-558-3077 or 800-447-9811, Monday through Friday, 8 a.m. to 4:30 p.m. (Central). You should be able to register the following day.

Important note: If you are the applicant or assigned owner of the certificate, enter your name, date of birth and Social Security number. Don’t use the insured’s/annuitant’s information.

A: You can register for an online member account if you are:

• A person who owns a life insurance certificate (policy) or annuity on his or her own life.
• An applicant. An applicant is an adult, such as a parent or grandparent, who owns life insurance or an annuity on a child. You can register even if you don’t have a product for yourself. See “How do I register if I am an applicant?” below if you have problems registering.
• An assignee. An assignee is an individual owner of a certificate that has been absolutely assigned. Because of privacy concerns, certificates with multiple owners will not be accessible on the member website. Co-owners will not be able to register for the member website.
• A member who does not own life insurance or an annuity, but has purchased other products, such as mutual funds, through one of our subsidiaries. This type of registrant won’t have access to view account information online and will be limited to ordering fraternal benefits.

You can't register for an online member acount if you are:

• An owner or the insured on a certificate (policy) that has been absolutely assigned to a business or a trust.
• A co-owner of a certificate that has been absolutely assigned to more than one person.
• A child younger than 16.
• A parent of a child who owns a certificate. An individual may be the owner of a certificate starting at age 16. If the certificate was taken out before the child turned 16, the applicant typically remains owner of the certificate until the child’s 21st birthday. The applicant can elect to release control to the child between the ages of 16 and 21.
• A preferred benefit bank account holder. These individuals received death benefit proceeds in the form of a checking account. Modern Woodmen doesn’t store information on the balance of the account. Northern Trust is the bank that holds these accounts. Please contact them directly at 800-343-2551 for account information.
• A supplemental contract holder. This type of account results from receiving death proceeds as a beneficiary or from the maturity of an annuity or similar contract. It does not provide beneficial membership. For information about these accounts, please contact Modern Woodmen’s Claim Department at 309-558-3077 or 800-447-9811, Monday through Friday, 8 a.m. to 4:30 p.m. (Central).

A: There are a few reasons why you may be unable to register, including:

• You may already be registered. Please select the Forgot your password? link.
• Your account may be blocked from online access. Please call Modern Woodmen’s Service Center at 309-558-3077 or 800-447-9811, Monday through Friday, 8 a.m. to 4:30 p.m. (Central).
• If you are the insured on the certificate, it may be owned by another individual. Please see "Who can and can't register for an online member account?" above.
• If you are receiving a message that says, "We are unable to locate the account using the information provided." …
  • Please make sure you are eligible to register for a member account. See “Who can register?” and “Who can’t register” above.
  • See “How do I register if I am the insured or annuitant?” or “How do I register if I am the applicant?” below.

A: There are a few possible reasons:

• You may be using an incorrect username or password. Select the Forgot your password? link.
• You may no longer have access to the phone number used for your multifactor authentication. Please call Modern Woodmen’s Service Center at 309-558-3077 or 800-447-9811, Monday through Friday, 8 a.m. to 4:30 p.m. (Central).
• Cookies might not be enabled on your computer. Enable them and try again.
• The date or time on your computer may be inaccurate. If the date on your computer is earlier than today's actual date, you won’t be able to login. Correct the date and/or time and try again.

A: You may be unable to see a certificate’s information if …

• The certificate is jointly owned.
• The certificate is assigned to a business or trust.
• We don’t have your Social Security number on file for that certificate.
• The certificate is for a third-party product, such as disability income insurance, health insurance and long-term care insurance. Though these products may be sold by Modern Woodmen representatives, they’re issued by companies that Modern Woodmen has agreements with. Please contact your representative for further information.
• The ownership of the certificate has changed.
• The account is a preferred benefit bank account. This type of account is issued when a death benefit has been paid through the form of a checking account. Modern Woodmen doesn’t store information on the balance of the account. Northern Trust is the bank that holds these accounts. Please contact them directly at 800-343-2551 for account information.
• The account has a supplemental contract. This type of account results from receiving a death benefit as a beneficiary, or from the maturity of an annuity/similar contract. It does not provide beneficial membership. For information about these accounts, please contact the Claim Department at 800-447-9811.
• The certificate is for a child, and the child is the owner of the certificate. This may happen if the child was age 16 or older when the certificate was purchased, or if the child has grown to age 21 or older.

A: You only have access to the certificates you own as the insured, an applicant or an individual assignee. Other family members will need to register separately.

A: You may have lost access if …

• The ownership of the certificate changed.
• You recently assigned control of your certificate to another individual or business.
• The insurance was for a child who recently turned 21. In this case, the child is now considered the owner of the certificate.
• The certificate is no longer in force. 

A: No. A beneficiary change form must be completed and sent to Modern Woodmen’s headquarters any time you want to change the principal or contingent beneficiaries on your life insurance or annuity certificate(s).