About Us

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

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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

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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.

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Member Benefits
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Member Benefits

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

Savings Member Profile

Modern Woodmen financial representatives work together with their members to help meet key financial needs throughout life.

Good advice and smart budgeting helps a member family from Mississippi purchase a new home.

James and Latoya’s story

Modern Woodmen members: James and Latoya Triplett

City: Starkville, Miss.

Occupation: Coal miner/Army veteran (James) and teacher’s assistant (Latoya)

Their Modern Woodmen representative: Barbara Coats, Starkville

Why is saving important to you? You never know what will happen in the future. Coal mining isn’t politically popular. What if I lost my job? By having some money saved up, we could bounce back. It’s just that comfort and stability. It makes you feel strong again. You’re able to provide.

How does budgeting come into play? We were never on a budget. I made good money, but I never saw where it was going. Now that Barbara has helped us with a budget, I’m able to pinpoint where we’re spending money. It’s helped my family out tremendously.

We use the envelope approach. If there’s no money in the envelope for dining out, we don’t dine out. I’m not afraid to say, “Hey, that’s not in our budget. We can’t do that.”

How is Modern Woodmen helping you? All four of us have Modern Woodmen life insurance, but Barbara has helped us in many other areas, too. The biggest thing was just sitting down and talking with us about our finances. And she helps us stay accountable with our budget. She didn’t just sell me some insurance. She is determined to help us make sure we’re spending our money right.

What’s something you were surprised to learn? How much money my wife and I were making. We were making the same amount of money the year before we started budgeting, but we didn’t see it. We had nothing in our savings. Now we have a substantial amount in savings. And it helped us with our credit. We were able to finance a new house and a dream vehicle.

Barbara’s budgeting advice:

One of the Tripletts’ main issues was they simply didn’t have a structure for handling their money. Together, we developed a family financial calendar.

James is the primary breadwinner in the family, receiving income from two sources – one monthly and one semimonthly.

  • We determined that with his monthly income, ABC things were paid. With the first of his semimonthly checks, XYZ things were paid, and so on.
  • We took weekly budgeted items, like groceries and spending money, out of each paycheck in partial withdrawals. Essentially, they were paying themselves all through the month.
  • We also developed categories for emergency savings, household savings, clothing and other items for the children, and entertainment savings.

Everything now has a category, and any expense they incur has to find a category. I saw James about a month after we began this strategy, and he was giddy with excitement that his money was no longer controlling him. I’m so grateful to have played a part in this!

 

James and Latoya's Financial Representative

Barbara Coats
Financial Representative

"I saw James about a month after we began this strategy, and he was giddy with excitement that his money was no longer controlling him."

Additional products and services

Talk to a representative to see what's best for you.

Permanent life insurance
Product

Permanent life insurance

Permanent life insurance provides protection for your entire life and can build cash value over time. Premiums remain level throughout your lifetime and can even be paid up within a specific time period. You can enjoy permanent protection for life without a permanent payment.

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Benefit

Accelerated Benefits

Members whose contracts include the Accelerated Benefits rider can receive an advance of 75 percent of their death benefit if diagnosed with a terminal illness.

 

Single adults
Families
50 and older