About Us

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

About Us
Modern Woodmen of America, Rock Island, IL

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
Stories of strength from our history
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Persevering Through Uncertain Times

Our Products

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

Our Products
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Financial planning

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

My Membership

When you join Modern Woodmen, you become a member of the organization. You trust us with your financial needs. And you have the opportunity to access fraternal member programs and impact your community.

My Membership
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Member Website Overview

Make a payment, update your address, and access account information, online forms and fraternal programs from the member website.

​What’s the cost of waiting?


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Article Hero Image

Do you have good intentions when it comes to saving money? We all do. Unfortunately, good intentions are not enough. Saving money and keeping it saved doesn’t happen by accident. It takes planning and discipline. Your savings plan should be consistent and something you are comfortable with.

If you haven't started saving for the future, what's holding you back? The longer you wait to save, the harder it will be and the more you will have to save to achieve your goals. That’s the cost of waiting.

The cost of waiting

  • Ashley and Jenna are both 25.
  • Ashley starts saving $200 per month now. Jenna waits until she’s 30 to start saving the same amount.

Assuming a 5 percent rate of return, Ashley’s savings will have grown to more than $306,000* by the time she’s 65. Jenna’s will have grown to just $228,000*. That’s a $78,000 difference. And Ashley only contributed $12,000 more to her savings.

The cost of waiting just five years is $78,000! Consider your goals for your future. Remember, regardless of where you are in life, it is never too early or too late to begin saving.

*This example is hypothetical and is for illustrative purposes only and does not reflect any savings or investment vehicle. This example also assumes a 5 percent annualized rate of return.

Your financial representative

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Cameron Cameron
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Additional products and services

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401(k) plans

401(k) plans

A 401(k) plan is an employer-sponsored retirement plan that offers several income tax benefits for those looking to save for retirement.