About Us

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

About Us
Our Story
Careers
Member stories

Hear from Modern Woodmen members

From financial planning to member programs to community involvement, we help members and their families through life.

Financial Planning

We can help you meet your current needs, achieve your future dreams and plan for all stages of life.

Planning for Life
What do you need help with?
Stories of strength from our history
An old black-and-white photo from Modern Woodmen's Tuberculosis Sanatorium.

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
What We Offer
Don't know where to start?
A computer screen with Modern Woodmen's life insurance calculator displayed.

Try our life insurance calculator

Each family is unique, with different needs and goals for the future. Taking a few minutes to answer some quick questions will give you an estimate of how much insurance is right for you.

Resource Hub

Visit our Resource Hub to learn more about life insurance and potential solutions to protect you and your loved ones. It’s a great place to find the answers to your questions and some hints from professionals.

Visit Resource Hub
Areas of Focus
Our guide to applying for life insurance

What to expect from the life insurance application process

From commonly used terms to hints for the medical exam and more, our handy guide helps you understand the application process.

 

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
Our Fraternal Difference
Member Services
Member Website
A father holding his daughter in the air with her arms out.

Member Website Overview

Make a payment, update your address, and access account information, online forms and fraternal programs from the member website.

7

Our Life Insurance Calculator

Get an idea of how much insurance you might need.

Takes about 10 minutes.
Start calculating

There’s no standard “right” amount of coverage. Each family is unique, with different needs and goals for the future. Taking a few minutes to answer some quick questions will give you an estimate of how much insurance is right for you.

It’s OK if you don’t have every answer exactly right. Even a ballpark answer will give your Modern Woodmen representative a starting point to ensure you get the right coverage.

Fetching result...

What are your monthly housing expenses?

 Many people want to make sure their loved ones can stay in the comfort of their home. Let’s calculate what that would take.

Do you rent or own your home?

Other expenses

Let’s consider your other expenses and debts beyond your mortgage to be covered to reduce the burden on your family after you’re gone. This could include credit cards, car payments, utilities, health care and more.

Here's a tip! When you consider credit cards, car payments, health care, utilities and more, the average American carries at least $100,000 worth of debt. Life insurance can help you cover those debts to give your family peace of mind.1

Future education costs

Did you know life insurance could help cover things like upcoming college tuition or other education costs for your loved ones? Well, it can!

Would you like to pay for the education of your kids or grandkids?

Family income

Often, your most important financial asset is the ability to earn income. However, when calculating your family’s total, be sure to include not only how much is earned from a paid job(s), but also the value of work done by a stay-at-home parent. The family would have to pay someone to take over those services so a spouse can stay at work.

Here's a tip! Life insurance should make up for the loss of your income or services if you’re not around for your family. To make sure you have enough to cover, experts recommend you will need to estimate 6-10 times your annual income.2

Who depends on you financially?
0 10

*If you need income beyond 10 years, please contact a Rep to further customize your estimate.

Your earnings during this time are valuable to your family. Life Insurance can help protect your ability to provide income.

Do you currently have any life insurance policies?

Here's a tip! If you have some life insurance already, maybe through your job, that may not be enough to cover your needs. Let’s take that into account and subtract the existing amount from your goals stated above. This will show the gap in coverage you will want to fill.

Estimated final expenses

The last thing to consider when calculating your coverage amount is how much you’d need to cover final expenses.

Here's a tip! Funeral costs can vary quite a bit based on your location, but most experts say that $10,000-$20,000 is a good place to start.3

This calculator is for educational and informational purposes only. Your situation may have specific and unique needs that may need additional consideration. Consult a financial representative before making a decision.

1 https://www.businessinsider.com/personal-finance/credit-score/average-american-debt

2 https://www.investopedia.com/articles/pf/06/insureneeds.asp

3 https://www.policygenius.com/life-insurance/how-much-does-a-funeral-cost/

Let's plan together for ...

Select a financial goal from the drop-down menu to find helpful tips and articles.