About Us

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

About Us
Careers
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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

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.

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.

Life Insurance icon Life Insurance

At Modern Woodmen, we believe life insurance is the foundation of planning. We offer affordable options for member families, including permanent life insurance, term life insurance, and life insurance plans specifically designed for children and young adults.

 Permanent insuranceTerm insurance
Protection Lifelong.* Limited period of time.*
Payments Higher initial premiums. Remain level throughout lifetime. Low initial premiums. Can increase annually or lock in for a specific term.
Duration of payments Several options available. Renewable after end of term with evidence of health. Substantially higher premium.
Cash value Yes. Builds tax-deferred cash values. Can be borrowed or withdrawn** in an emergency. No.
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*Offers income tax-free insurance protection as long as premiums are paid.
**Withdrawals are subject to ordinary income taxes to the extent of the gain.

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.

Offerings

MaxLife® whole life insurance

When it comes to protection, Modern Woodmen's MaxLife® leaves nothing to chance. This whole life plan of insurance covers you for life. Guaranteed.

  • Guaranteed death benefit. Coverage is guaranteed to be in force as long as you live (provided premiums are paid).
  • Affordable premiums. Level premiums are guaranteed to not increase after your contract is issued.
  • Limited-pay options. Choose how long you want to pay for your life insurance.
  • Accessible cash value. Extra funds grow tax-deferred at a guaranteed minimum interest rate.
  • Eligible for dividends. Any dividends declared by Modern Woodmen’s board of directors will be received, and you can choose how your dividends will be used.
  • Customize your plan. Optional riders can help tailor your plan to your unique needs.

MaxCL® universal life insurance

Modern Woodmen’s MaxCL® universal life insurance can provide flexible protection and peace of mind for your lifetime. MaxCL combines the benefits of permanent life protection and cash values with the convenience of adjustable premiums.

  • Death benefit. Protection as long as you live, provided sufficient premiums are paid.
  • Flexibility. Your plan can respond to your changing needs and budget.
  • Accessible cash value. Extra funds grow tax-deferred at a guaranteed minimum interest rate.
  • Customize your plan. Optional riders can help tailor your plan to your unique needs.

MaxCL Pro® universal life insurance

Modern Woodmen’s MaxCL Pro® universal life insurance can provide flexible protection and peace of mind for your lifetime – or as long as you want it. It's guaranteed protection customized to your needs, yet not affected by changes in interest rates.

  • Death benefit. Protection as long as you live, provided sufficient premiums are paid.
  • Member Protection Guarantee. The death benefit is guaranteed to stay in force, even if interest rates decrease after your plan is issued (provided sufficient premiums are paid).
  • Flexibility. Your plan can respond to your changing needs and budget.
  • Customize your plan. Optional riders can help tailor your plan to your unique needs.

Term Life Insurance

Term Life Insurance

Term life insurance provides affordable 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.

Offerings

Modern Woodmen of America Maximizer® term life insurance

Modern Woodmen’s Maximizer® term plan provides affordable life insurance protection for a certain period of time. The plan can help protect a family from financial devastation and make sure dreams and goals are protected.

  • Death benefit. Benefits will be paid to your beneficiaries if you die within the term period.
  • Guaranteed level premiums. Lock in level premiums for 10, 15, 20 or 30 years. Premiums will increase at the end of the term period.
  • Available as a rider on whole life. Add a Maximizer® term rider on your MaxLife® plan to enjoy an affordable way to protect your family with both permanent and term life insurance.
  • Optional return of premium rider. By adding this rider, your beneficiaries will receive the death benefit along with the value of your base premiums paid.
  • Conversion option.  Convert all (or a portion of) your term plan to a permanent life insurance plan without blood tests or a new set of medical questions.

Step One® term life insurance

Modern Woodmen’s Step One® term plan helps kids, young adults and even young families get off to a great financial start. This starter plan can even help down the road, since it can be converted to a permanent plan.

  • Affordable premiums. Payments remain level until the insured’s 30th birthday or can be paid with a single premium.
  • Future insurability. Convert the plan at any time to term or permanent life insurance protection. No medical exam required.
  • Option to increase coverage. Option to increase coverage. You can purchase additional amounts of life insurance with conversion to a permanent plan at stated ages without any medical questions. These options are available at an additional cost.

Junior Max® term life insurance

Modern Woodmen’s Junior Max® term plan is an affordable starter plan for children. With this plan, you receive of peace of mind while giving your child a financial head start in life ... all for less than 7 cents a day.

  • Affordable premiums. This is Modern Woodmen’s least-expensive way to provide coverage until your child’s 18th birthday.
  • Future insurability. Convert the plan at any time to term or permanent life insurance protection. No medical exam required.