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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 offers a variety of fraternal member benefits for all ages.

​​Money Doesn’t Grow on Trees

Tips for talking to your kids about finances.

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Savings

Do you still have that life insurance plan your parents bought for you as a child (even despite your urge to cash it in at age 18)?

At Modern Woodmen, we're often heard saying, “Life insurance is not for the people who die. It’s for the people who live.” Financial values begin at home. Your children learn from your words and actions – both good and bad. That verbal and nonverbal advice shapes their attitudes and habits. It can ultimately impact their financial futures.

Consider these simple ways to help shape your child’s financial values.

1. Show and tell

No, money does not grow on trees. One way to help children learn this concept is to show them the rewards of hard work and saving. Consider:

  • Offering an allowance in exchange for household chores.
  • Saving coins in a large piggy bank, bucket, jar, etc. Make it visible. Dedicate the collection to something fun, such as an upcoming vacation.
  • Dividing birthday money into spending, saving and sharing categories. Let your child help decide how much should go in each category. Let him/her choose where to donate the money designated for sharing – an animal shelter, an organization for kids, your church, etc.

Model good financial behavior and set aside time to talk (and listen). The dinner table and the ride home from school can be great times for family conversation. If your child asks you a money question, don’t lie or change the subject. Try to explain in a way he/she can understand. If you don’t know the answer, research it together.

2. Get some help

Take your kids with you to financial reviews. A Modern Woodmen representative would be happy to answer a few questions. He/she can be especially helpful when your child is transitioning into adulthood.

You can also take advantage of two programs designed to help kids learn key financial concepts.

For schools, home-schoolers and youth groups

Modern Woodmen’s Money and You Financial Literacy Program helps prepare classrooms of students for the future. The program teaches kids about money using fun, age-appropriate activities and a video presentation. Contact a Modern Woodmen representative about donating this free youth educational program to your school/youth organization.

Learn more about Modern Woodmen's youth educational programs

For individuals and families

Modern Woodmen Bank’s Dollars and Sense Financial Literacy Program* can help your child become money wise … and $20 richer each year. Kids can earn cash by reading short, financial-related stories and taking online quizzes. One quiz is available per year, kindergarten through 12th grade.

Check it out at Modern Woodmen Bank's website

 

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MaxProvider® flexible premium deferred annuity
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MaxProvider® flexible premium deferred annuity

Modern Woodmen of America’s MaxProvider® is a safe way to accumulate retirement savings that can last your lifetime. This flexible premium deferred annuity helps reduce retirement planning uncertainty by eliminating the risk of market volatility and making sure your money is there when you need it – whenever that may be.

MaxProvider® Annuity
Benefit

Dollars and Sense Financial Literacy Program

Modern Woodmen Bank’s Dollars and Sense program helps children in grades K-12 develop good saving and spending habits as they earn annual cash rewards. Member FDIC.

 

Children and adolescents