Kroll Bond Rating Agency LLC (KBRA) has affirmed the AA- insurance financial strength rating for Modern Woodmen of America, with a stable outlook.
The rating reflects Modern Woodmen’s very strong risk-adjusted capitalization, high-quality capital, strong liquidity and stable operating performance. KBRA also cited the organization’s established career agency distribution platform and mature risk management practices as strengths supporting the rating.
Modern Woodmen’s surplus reached a record $3.10 billion as of June 30, 2026, while its company action level risk-based capital ratio was 535% at year-end 2025. About 96% of rated securities in the organization’s core fixed-income portfolio were investment grade, and life insurance in force increased to approximately $46.4 billion.
KBRA said the stable outlook reflects its expectation that Modern Woodmen will maintain very strong capitalization and liquidity, continue to generate positive operating earnings, and prudently manage interest-rate exposure as it invests in strategic initiatives.
Modern Woodmen’s excellent financial position supports its ability to help members achieve financial security, strengthen family life and make an impact in their communities.
About Modern Woodmen of America
Inspired by pioneer woodmen of the era, Modern Woodmen of America was founded in 1883 to clear financial burdens – not trees. As a fraternal financial services organization, Modern Woodmen’s products and programs support financial security, quality family life and community impact – the common bonds that unite its members nationwide.
About KBRA
Kroll Bond Rating Agency LLC is a full-service credit rating agency registered with the U.S. Securities and Exchange Commission as a nationally recognized statistical rating organization. KBRA is also recognized by the National Association of Insurance Commissioners as a credit rating provider.
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