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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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Helping members today and in the future

Modern Woodmen of America shares 2018 results

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When Modern Woodmen of America was founded in 1883, it developed a member-first philosophy. Thanks to careful financial management and an ongoing fraternal focus, Modern Woodmen continues to stand strong for member families and their communities.

The organization recently shared its financial and fraternal results from 2018. Some highlights:

  • Life insurance in force grew by $750 million. This marks continued life insurance growth for the organization.
  • Net gain after dividends increased to $41.7 million, and total net income increased to $109.9 million.
  • Through fraternal member benefits and programs, Modern Woodmen and its members contributed $19.9 million to families and communities nationwide.

“We’re proud of our financial stability, going strong 136 years – and counting,” said W. Kenny Massey, president and CEO. “Every decision we make is designed to help our members today and in the future.”

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 $40.75 billion in 2018.

“Financial planning begins with protection,” said Massey. “With life insurance coverage, we can protect our loved ones from financial hardship at a difficult time.”

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

Assets grow to $16.48 billion

Modern Woodmen’s assets increased 1.9 percent over the previous year, reaching $16.48 billion. The organization’s assets are invested primarily in high-quality, low-risk corporate and government bonds.

In 2018, total life insurance, annuity and other certificate reserves, which are funds held to guarantee future benefits to members, increased 1.4 percent to $12.7 billion.

Total surplus and special reserves reached $1.88 billion in 2018. Surplus and special reserves provide additional safety for members and ensure Modern Woodmen’s ability to meet unforeseen events and provide funds for future growth opportunities.

Growth in operational results

Total life insurance and annuity premium income in 2018 was $961 million.

Payments and benefits to members in 2018 totaled $1.07 billion. This includes death benefits, annuity payments and surrender benefits. An additional $7.4 million in dividend payments was refunded to life insurance and annuity certificates.

Net gain from operations after dividends was $41.7 million, and the total net income was $109.9 million.

Modern Woodmen has a solvency ratio of 112.87 percent. This means that for every $100 of liabilities (promises made to members), Modern Woodmen has $112.87 of assets to protect those promises. The industry average is 106.18 percent, as calculated from the 25 leading life insurance companies by assets. (Standard Analytical Service, Inc., 2018)

“Our members should never doubt Modern Woodmen’s financial strength,” said Massey. “We operate our organization carefully with members in mind.”

Fraternal programs support communities nationwide

Modern Woodmen’s national membership totals more than 750,000 members. In 2018, Modern Woodmen contributed $19.9 million to support family-oriented member benefits and programs, including disaster relief assistance, college scholarships, and social and volunteer service events coordinated by adult chapters and youth service clubs nationwide.

Some fraternal highlights from 2018:

  • Modern Woodmen members were part of 2,495 adult chapters, 285 Summit chapters (for members age 55 and over) and 820 youth service clubs. 728,304 attendees enjoyed social, educational and volunteer events coordinated by these groups throughout the year.
  • Members partnering with community groups raised a total of $52.8 million for local causes through Modern Woodmen’s Matching Fund Program.
  • Members recorded more than 470,000 hours of volunteer service in their local communities
  • More than 500,000 children participated in Modern Woodmen’s free youth educational programs.  


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. In 2018, Modern Woodmen and its members provided $19.9 million and 470,000 volunteer hours to support fraternal activities and programs. Learn more at www.modernwoodmen.org.


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