About Us

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

About Us

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

Our Products

Modern Woodmen maintains a portfolio of high-quality financial products that can help you meet a wide range of life needs.

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Financial planning

Browse our helpful tips and articles to understand what’s important to you and your loved ones.

Being a Member

Modern Woodmen membership is about relationships. As a member, you work together with a trusted local representative to plan for some of the most important moments in the lives of those you love.

Being a Member
About Membership
Member Benefits
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Member Benefits

Modern Woodmen offers a variety of fraternal member benefits for all ages.

How Can a Cross-Purchase Buy-Sell Agreement be Funded With Life Insurance?

See an example of how two business owners establish a cross-purchase buy-sell agreement funded with life insurance.

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Business planning

Cross purchase

  • Life insurance premiums are not deductible for the business or business owners.
  • The life insurance contracts are owned by the business owners and are subject to the individual owners’ creditors.
  • There is usually a corresponding increase in basis for the surviving business owner(s).
  • When there are more than two owners, multiple life insurance contracts must be purchased for each owner. For example, if there are three owners, each owner would need to purchase two life insurance contracts – one for each of the other owners.
  • This information is general in nature and should not be considered tax or legal advice. You should seek advice from your tax and legal advisors regarding your own specific situation.

Your financial representative

Meet a Modern Woodmen representative in your community and begin to explore how shared values can work for you.

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Cameron Cameron
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Additional products and services

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Term life insurance

Term life insurance

Term life insurance provides low-cost protection and peace of mind for a certain period of time. While permanent protection is an important part of an overall life insurance plan, term insurance can protect you by helping to cover temporary needs, such as helping to pay off your mortgage or other debt. This can be an affordable way to help make sure your dreams and goals are protected.

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The Modern Woodmen Magazine

This quarterly publication is a family and financial resource written and designed exclusively for and about Modern Woodmen members.

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Single adults
50 and older