Modern since 1883®
Life insurance for busy moms
Let’s discuss your life insurance needs. Your local representative will contact you within 72 hours.
Current member? Contact us here.
Affordable life insurance for the modern pioneer – moms
Modern Woodmen of America has been securing futures, protecting families and benefiting communities since 1883. We believe life insurance is the foundation of financial planning.
Whole life insurance
Fixed premiums and guaranteed death benefits as long as premiums are paid. Whole life coverage with income tax-free proceeds to protect your loved ones.
Universal life insurance
Flexibility over the life of your policy. Permanent, adjustable coverage to meet your needs as they change.
Term life insurance
Customized coverage on your terms. Affordable, flexible protection over the period you need — 10-, 15-, 20- or 30-year terms.
Become a modern pioneer with a community of more than 700,000 members. Contact a local representative today.
Whole life insurance for complete protection
Whole life insurance helps protect your loved ones, providing income tax-free money when you’re gone. Get peace of mind, knowing that your family is protected, and take advantage of cash value plus other living benefits to help you plan ahead – no matter what life brings.
- Permanent protection.
- Builds cash value.
- Living benefits.1
- Leave a legacy.
Universal life insurance for flexibility
Universal life insurance provides permanent and flexible protection alongside cash accumulation you can adjust as your needs change.
- Affordable protection.
- Flexibility.
- Cash accumulation.
- Guarantees.2
Term life insurance for peace of mind
Term life insurance can be an affordable way to secure 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 pass away during the term period – without the delays and expense of probate.
- Guaranteed death benefit as long as premiums are paid.
- Guaranteed level premiums for the term period, increasing afterward.
- Guaranteed convertibility.
- Return-of-premium options.1
Why Modern Woodmen of America?
We're local,
wherever you are
Our representatives are part of your community. They understand what it means to raise a family, have a career, and plan for the future.
We exist for the
benefit of our members
As the nation’s third-largest fraternal financial services provider, we answer to our 700,000+ members, not stockholders.
We offer more than
just life insurance
We’d be honored to support your family’s financial future with a suite of investment, annuity and insurance products.
1The addition of riders is optional and may result in additional premium. Additional underwriting may be required. State variations may apply. Products and riders may not be available in all states.
2Some plans offer options to keep the death benefit in force, even if interest rates decrease after the plan is issued (provided enough premiums are paid on time). All guarantees are backed by the claims-paying ability of Modern Woodmen. Universal life plans provide life insurance coverage provided sufficient premiums are paid. The duration of coverage will depend upon the amount, timing, and frequency of premium payments, interest credited, monthly deductions, and any loans or withdrawals. The premiums paid may need to be increased to keep these certificates in force.
