Since 1883, Modern Woodmen of America has brought people together, supported families and strengthened communities.
About Us
Grow with Modern Woodmen! As a financial representative, you can make a positive impact for your family and your community.
We can help you meet your current needs, achieve your future dreams and plan for all stages of life.
Planning for Life
What we do tomorrow is the product of what we accomplish now.
Modern Woodmen maintains a portfolio of high-quality financial products that can help you meet a wide range of life needs.
Our Products
Browse our helpful tips and articles to understand what’s important to you and your loved ones.
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 member benefits and impact your community.
My Membership
Make a payment, update your address, and access account information, online forms and fraternal programs from the member website.
Modern Woodmen membership is about relationships. We take time to get to know you and your needs. Get to know me and how we might connect.
Contact Joe Christoff
I serve members in…
Kentucky and Ohio.
I enjoy working with…
young families, retirees and small-business owners.
I attended…
Miami University.
Before Modern Woodmen, I…
worked in home and auto insurance.
The best part of my career is…
helping members make sense of complex issues and understand their risks.
In my free time, you can find me…
outdoors. I can be found hiking, hunting or camping.
I’m passionate about…
protecting America's public lands.
My hidden talent is…
trivia. I need to try out for “Jeopardy!” one of these days.
I have lived in my community…
since early 2026. I moved here from northeast Ohio.
What I like best about my community is…
people are very friendly and welcoming.
My favorite volunteer activities are…
anything where I can get outside, such as working in a community garden.
We can help you review your needs and plan for your financial future throughout life. (Learn more about Modern Woodmen's Planning for Life system and products.) Because Modern Woodmen is a fraternal financial services organization, we can also explore the benefits of being a member.
Select a financial goal from the drop-down menu to find helpful tips and articles.