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
Member Website
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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.

My Dad Died Without Life Insurance

Iowa member’s personal experience leads to strong belief in life insurance.

My dad died without life insurance, but I won’t.

Nicole's story, in her words

When I was a kid, my family lived next door to an insurance salesman. He was always trying to sell my parents life insurance. They were always trying to avoid him.

“Brett’s just out to make a buck,” they’d say to us kids.

If only that were true.

I can take care of myself. That was my dad’s philosophy when it came to finances. Doctors, too. Dad once fell off a roof (he was a carpenter by trade) and cracked his skull on a ceramic planter. Instead of calling 911, he drove himself home with blood pouring from his head.

I lost my dad when I was 21. He’d been sick for many years, but we didn’t know why until it was too late. Dad’s autopsy showed he died from a bacterial infection in his brain.

Would things have been different if he’d called 911 that day? We’ll never know. But we do know this: Things would’ve been much, much different if Dad had purchased life insurance.

After Dad died, Mom was broke. A homemaker who’d raised nine kids, she had her Social Security – and that was it. No pension, no retirement savings, nothing. She couldn’t afford even the most basic services. Mom spent years paying back the funeral home. Sometimes just $10 a month.

The way I see it, not having life insurance is a mistake. A mistake I’m not willing to make. That’s why my husband and I both have personal life insurance (plus term insurance through our jobs). And it’s why both of our children have been insured since birth.

The way I see it, not having life insurance is a mistake. A mistake I’m not willing to make.

Thankfully, it’s not a mistake my mom made, either. Shortly after Dad passed, she got coverage for herself. It wasn’t much, but it was enough. When Mom died a few years later, we were able to pay for the services up front. We bought a beautiful urn for her ashes. Each of us kids got $100.

I think death is like the nose on your face. It’s always in your line of sight, but you don’t actually see it. You know it’s there; it’s real and unavoidable. But, somehow, you block it out.

Grief is painful enough. When you add financial stress, it becomes unbearable. Trust me, you don’t want to learn this lesson the hard way.

Additional products and services

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Term life insurance

Term life insurance

No one expects to have a fatal accident, get sick or die too soon, but what if? What if those who depend on your income no longer could? Term life insurance can be an affordable way to get the protection you need to keep your family, your business, and your hopes and dreams alive. With term life insurance, your beneficiaries receive income-tax free money if you die during the term period – without the delays and expense of probate.