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Since 1883, Modern Woodmen of America has brought people together, supported families and strengthened communities.

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Modern Woodmen of America, Rock Island, IL

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Built for stability in uncertain times

Modern Woodmen of America shares 2020 results.

View the full 2020 annual report.

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Since 1883, Modern Woodmen of America has been committed to protecting members and clearing financial burdens for families. In 2020, as the pandemic overshadowed everyday life, Modern Woodmen’s critical operations continued to provide the services and benefits its members rely on. The organization now shares its financial and fraternal results from last year.

Some highlights:

  • Life insurance in force grew to $41.84 billion. This marks continued life insurance growth for the organization – and reiterates the value of protection in challenging times.
  • Assets increased to $18.18 billion, and Modern Woodmen maintains a surplus of $2.25 billion. The organization’s solvency ratio continues to exceed the industry average, securing Modern Woodmen’s commitment to members.
  • Through Modern Woodmen’s COVID-19 Relief Program, members donated nearly $1.1 million to community groups affected by the pandemic. Though membership activities looked different in 2020, their impact shone as brightly as ever.

“Even in difficult, uncertain times, Modern Woodmen remains strong for members,” says W. Kenny Massey, president and CEO. “The most important thing is that we’re there when our members need us. We were built for times like these, and our continued financial strength endures despite the challenges of the pandemic.”

Increase of in-force life insurance

Life insurance in force, the total amount of life insurance owned by members to protect their families financially after a death, increased to $41.84 billion in 2020. Payments and benefits to members totaled $1.09 billion for the year. This includes death benefits, annuity payments and surrender benefits.

“When you lose a loved one, you want to honor their legacy – not worry about finances,” says Massey. “That’s why life insurance is at the heart of our planning system.”

As a fraternal benefit society, Modern Woodmen was founded on the belief that families should be protected from potential financial challenges. Modern Woodmen representatives can help members with their financial planning and protection needs as they change over time.

Assets grow to $18 billion

Modern Woodmen’s assets grew 4.8% over the previous year, reaching $18.18 billion. The organization’s assets are invested primarily in high-quality, low-risk corporate and government bonds.

The total life insurance and annuity premium income received by Modern Woodmen last year was $916 million. Net gain from operations after dividends totaled $30.6 million.

In 2020, Modern Woodmen’s total life insurance, annuity and other certificate reserves, which are funds held to guarantee future benefits to members, grew 1.6% to $13.1 billion.

Total surplus continued to grow and exceeded $2 billion. These funds ensure Modern Woodmen’s ability to meet unforeseen events and provide funds for future growth opportunities.

Modern Woodmen’s solvency ratio increased to 114.11 percent. This means that for every $100 of liabilities (promises made to members), Modern Woodmen has $114.11 of assets to protect those promises. The industry average is 106.41 percent, as calculated from the 25 leading life insurance companies by assets. (Standard Analytical Service, Inc., 2019)

Fraternal programs support communities nationwide

Modern Woodmen’s membership totals nearly 740,000 people throughout the United States. In 2020, Modern Woodmen contributed $14.4 million to support family-oriented member benefits and programs, including disaster relief assistance, college scholarships and volunteer activities coordinated by adult chapters and youth service clubs nationwide.

Due to the pandemic, members temporarily suspended traditional face-to-face fraternal events, shifting instead to virtual, limited-contact or service-at-home activities. Despite this change, members coordinated 7,466 service projects and recorded more than 194,920 volunteer hours.

In March 2020, the organization launched its COVID-19 Relief Fund, which provided direct monetary relief to community groups affected by the pandemic. In total, Modern Woodmen contributed nearly $1.1 million to these schools, public entities and nonprofit organizations, providing critical funding for personal protective equipment, food and other items.

“Fraternalism is where our Modern Woodmen family shines,” says Massey. “Our people have giving hearts, and it was incredible to see everyone come together to help others.”

Additionally, last year Modern Woodmen introduced a new fraternal offering: MoneyMasters, a free personal finance program for students of all ages. The program is offered in two forms:

  • A K-12 program for schools, home schools and youth groups, with grade-appropriate content, flexible lesson plans and alignment with Common Core and Jump$tart Standards.
  • Workshops for adults that cover crucial money management topics like budgeting, identity theft and debt management.


About Modern Woodmen:

Modern Woodmen was founded in 1883 as a fraternal benefit society. The organization supports members, families and communities with a unique blend of financial services, fraternal benefits and local-impact opportunities.

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