Modern Woodmen Fraternal Financial, headquartered at P.O. Box 701 in Kearney, MO?64060, is a member-owned fraternal financial services organization with deep roots reaching back to 1883. With nearly 700,000 members nationwide, our mission is to improve quality of life by providing sound financial guidance, ranging from life insurance and retirement planning to annuities and investments, while maintaining a strong foundation of financial stability. At the end of 2024, our assets totaled approximately $18.17?billion, supported by high-quality, diversified investments; our solvency ratio stood at a robust 116.67%, and total surplus reached $2.6?billion, reflecting our unwavering commitment to fulfilling member promises

As a fraternal benefit society, what sets Modern Woodmen apart is the integration of financial services with social, educational, and volunteer activities. Our nearly 2,300 local chapters, 250 Summit chapters for members aged 55+, and approximately 450 youth service clubs offer enriching experiences, from scholarship programs and literacy drives to service activities supporting food pantries, animal shelters, and hometown heroes. In 2024 alone, volunteers contributed nearly 250,000 hours, raising over $55.9?million for local causes, with $17.4?million in fraternal support from Modern Woodmen. Our distinctive fraternal model means no stockholders; every program is fueled by the collective efforts of our members and representatives, working together to foster financial security, family wellbeing, and community impact.