Newborn Life Insurance Benefit

One less worry

Giving birth to an infant in poor health is one of the scariest things a new parent may face. Modern Woodmen's Newborn Life Insurance Benefit can’t take the scary away, but this two-part member program can lessen some financial anxiety.

Part 1: Up to $90,000 of guaranteed coverage

Modern Woodmen members can apply for $10,000 of permanent life insurance for their newborn’s future. This member benefit guarantees the coverage will be issued at standard rates – regardless of the infant’s current health.

Members who take advantage of the Newborn Life Insurance Benefit also add a required guaranteed purchase option rider. This life insurance add-on ensures the child can obtain up to $80,000 of additional coverage as an adult. Standard rates. No medical questions required.*

Part 2: Support in case of early tragedy

The Newborn Life Insurance Benefit provides automatic financial support to qualifying families who suffer the loss of an infant within the first six months. The benefit provides $10,000 to assist with the newborn’s funeral or medical costs. No life insurance application required.**

Do I qualify?

• For both parts of the program: At least one legal parent must be a member, covered by a Modern Woodmen life insurance or annuity product for six months immediately preceding the child’s birth.
• For the guaranteed life insurance coverage: The newborn must be at least 24 hours old but younger than 1 year (365 full days) at application.
• For the automatic death benefit: The newborn must have lived for 24 hours but less than 180 full days.

How to apply

For more information or to apply for either part of the Newborn Life Insurance Benefit, contact your Modern Woodmen representative. (You can find his or her contact information using the Find a Rep feature of this site.) Or call Modern Woodmen’s headquarters at 309-558-3077 or 800-447-9811.

*Available at additional cost, the guaranteed purchase option rider allows the insured to purchase additional coverage at stated ages – without evidence of insurability.

**The payment will be provided to the parent or parents who are beneficial members of Modern Woodmen at the time of the child’s death.

Subject to change, fraternal member programs are not part of the contract and may have specific eligibility requirements. Some programs are not available to all members. Log in to your online member account for complete details.