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Leave a legacy for the ones you love by
protecting them with life insurance.

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Learn About Life Insurance

What is Life Insurance?

Life insurance may be the best way to provide financial security for your loved ones after you're gone. It can help relieve financial burdens your family may face, like funeral costs, mortgages and college expenses. With life insurance from WoodmenLife, you'll protect your family with a safety net, and you'll find comfort knowing the ones you love are protected.

What Can Life Insurance Cover?

Having life insurance coverage in place can help your family keep their home after you're gone. It can help pay off the mortgage. It can help cover funeral costs so your family doesn't have to worry about how to pay for your funeral in their time of grief.

Life Insurance Costs Less Than You Might Think

Did you know that people often overestimate the cost of purchasing life insurance coverage by three times? Here's the good news: coverage can be affordable for most. Your monthly payment may even be less than what many Americans pay for streaming services.

According to LIMRA 2022 Life Insurance Barometer Study
Source: Cord Cutters News

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Whole or Term Life?

Find the Right Fit
For Your Family

Find An Option That's Right For You

Customize Your Life Insurance

How much do you want to leave behind for your loved ones? If you already have life insurance coverage in place, your Representative can help you determine if you have enough for your situation and the expenses you want to cover.


Discuss Your Needs

To get an idea before you talk to your Representative, use our life insurance calculator to determine what your family might need.


Make a Plan

You'll work with your Representative to determine payments that fit within your current budget. As your situation changes over the years, your Representative will meet with you to review this plan.


Enhance Your Plan

You can personalize your life insurance coverage with a variety of riders at added cost.

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Find a Local

Our Representatives can help you choose a life insurance or retirement product that best meets your specific needs and budget.


  1. Forms ICC17 8678 1-17, 8678 1-17 (XX); ICC17 8679 1-17, 8679 1-17 (XX).These certificates have exceptions, limitations and restrictions. For cost and complete details in coverage, contact your WoodmenLife representative.

  2. There may be tax implications for policies recognized as modified endowment contracts (MEC). Distributions including loans from a MEC are taxable to the extent of the gain in a policy and may also be subject to a 10% additional tax if the owner is under age 59 ½.

  3. Forms ICC16 8648 1-16, 8648 1-16 (XX); Premiums for 10, 15, 20 or 30-year term are guaranteed not to increase during the initial policy term. Once the initial policy term ends, your premiums will increase on an annual basis until age 95. Any increase in premium will not increase the certificate benefits. These certificates have exceptions, limitations and restrictions. For cost and complete details in coverage, contact your WoodmenLife representative.

  4. ICC10 8205 3-10, 8205 3-10 (XX), O-8205 3-10 (XX); This certificate is not guaranteed to stay in force until maturity based on minimum guarantees. Universal Life value growth reflects several factors including the company’s investment, expense and mortality experience. WoodmenLife will provide notification if the guaranteed monthly deductions and interest are expected to exhaust the plan’s cash values prior to the maturity date. For Oklahoma residents, WoodmenLife will provide notification in your annual report if the monthly deductions and interest are expected to exhaust the plan’s cash values prior to maturity date.
    ICC18 8730 4-18, 8730 4-18 (XX) IUL is not an investment. It is a life insurance policy product that provides growth potential through index interest crediting. You cannot invest directly in an index.

  5. Forms ICC10 264 6-10, 264 6-10 (XX), O-264 6-10 (XX), ICC10 257 6-10, 257 6-10 (XX), O-257 6-10 (XX), ICC10 8208 3-10, 8208 3-10 (XX), O-8208 3-10 (XX); All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs. Maximum benefit is the lesser of $250,000 or 65% of death benefit amount available and usually paid in one lump sum. Generally benefits received are income tax-free. Consult your tax professional to assess the impact of this benefit.

  6. Forms ICC18 8731 4-18, 8731 4-18 (XX), ICC17 8690 1-17, 8690 1-17 (XX); All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs. Certain eligibility requirements apply. This rider is not long term care insurance, nor is it intended to replace long term care insurance. Not available in CA.

*Rider Forms: 260-XX-0409, 261-XX-0409, 262-XX-0409, 262-04-1401, 263-XX-0409, 263-04-1401, ICC10 8206 3-10, 8206 3-10 (XX), O-8206 3-10 (XX), O-8206 1-14 CA, ICC10 8207 3-10, 8207 3-10 (XX), O-8207 3-10, O-8207 1-14 CA, 8308 5-11 (XX), O-8308 1-14 (XX), O-8308 1-14 CA, ICC11 8309 5-11, 8309 5-11 (XX), O-8309 1-14 CA, ICC11 8310 5-11, 8310 5-11 (XX), O-8310 5-11 (XX), ICC16 8649 1-16, & 8649 1-16 (XX), 260-04-1401, 260-08-0803 & ICC11 8308 5-11. Riders may not be available on all types of products.

Not all products are available in all states. Contact your local Representative today for more information. At that time, you can discuss the costs, benefits and details of coverage, including any reductions, exclusions and limitations that may apply.


https://www.limra.com/siteassets/newsroom/help-protect-our-families/2022/sept/hpof-misconceptions-flyer-redesign_infographic_final.pdf, 2022

Web 29 R-3/23

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Our Mission

Uniting hardworking Americans to secure their financial future while strengthening our communities and country.

This is a solicitation of insurance and an agent/producer may contact you.

WoodmenLife Medicare Supplement plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

NOTE: In some states, Medicare Supplement certificates (all plans in CO) are available to those eligible for Medicare due to a disability, regardless of age.

Securities are offered through Woodmen Financial Services, Inc. (WFS), 1700 Farnam Street, Omaha, NE 68102, member FINRA/SIPC, a wholly owned subsidiary of Woodmen of the World Life Insurance Society (collectively “WoodmenLife”). Securities other than the WoodmenLife Variable Annuity are issued by companies that are not affiliated with WoodmenLife. This material is intended for general use with the public. WFS is not providing investment advice for any individual or any individual situation, and you should not look to this material for any investment advice. WFS has financial interests that are served by the sale of these products or services.

WoodmenLife Extras are available to members. An individual becomes a member by joining our shared commitment to family, community and country, and by purchasing a product. These extras are not contractual, are subject to change and have specific eligibility requirements, such as length of membership, number of qualifying members in household and/or qualifying event.

Check out the background of Woodmen Financial Services, Inc. on FINRA’s BrokerCheck.

Business Continuity Plan | All products may not be available in all states. | Not all Representatives are licensed to sell all products.

A+ Financial Rating

This company was issued a A+ (Superior) rating by the AM Best Company, click for additional details. WoodmenLife has been awarded a rating of A+ (Superior), the second highest ranking out of 15, for its financial strength and operating performance in 2022 by AM Best, an independent rating company that is nationally recognized for its objective reporting and rating of insurers.

International Use

This Site is not intended for access outside of the United States, including those individuals who reside in the European Economic Area (“EEA”). WoodmenLife makes no representation that materials on the Site are appropriate or available for use in locations outside of the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from outside of the United States do so on their own initiative and are responsible for compliance with local laws.

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This company was issued a secure rating by the A.M. Best Company

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WoodmenLife is a proud member of American Fraternal Alliance

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Omaha, Nebraska