Sonya Cardwell


Sonya Cardwell


Regional Director

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 Sonya Cardwell
About me

About me

About me

Who I am at and outside of work

My family includes…

My husband Bobby; my son, Cameron; and my daughter, Madison.

I'm a member of…

Woodlawn Baptist Church in Russellville, Kentucky.

I'm passionate about…

my family, friends and making a difference in our local community.

In my free time you'll probably find me…

playing golf and spending time with my family.

My greatest blessing is…

my family, my church family, and a career that lets me make a difference in my community and help those around me with their financial goals.


I always try to remember to do unto others as you would have others do unto you.

“I enjoy working with families, those approaching retirement and small-business owners.”
Our team

Our team

Our team

Who & how we serve

Our team includes…

administrative staff members, Brandie Strain and Tonya Lovitt, and managing partners, Brad Turner and John Cauley.

We serve members in…

Western Kentucky.

We’re passionate about…

protecting our members with life insurance and helping them plan secure financial futures. We also educate our members about how to best protect their families and plan for their future goals and dreams.

We focus on…

helping people plan for life, from protection to retirement. We are a full-service financial services organization. Our representatives work to understand your specific needs and goals and develop a plan to meet them.

We're unique because…

we are truly committed to the communities we serve - not only in how we help our members meet their financial needs and goals, but also in how we help our local communities and schools through our fraternal activities and programs.

Our current career opportunities include…

internships and financial representative in Western Kentucky.

Community impact

Community impact

Community impact

How we make a difference

We feel it’s important to support the communities we serve because…

we want to give back to the places we call home and the people who live there. It's better to give than to receive. There are so many foundations and causes, but sometimes we don't see the impact at the local level. We feel it's important to improve our communities and focus on making a local impact.

We feel strongly about supporting our communities at a local level. One way we're able to make a positive impact is through Modern Woodmen activities and programs. We especially enjoy:

Matching Fund projects to raise money for those in need.

Our philosophy on volunteering is…

it's way more fulfilling to give than it is to receive. We get so much more than we give when help our community and local families.

We’re most proud of…

the impact we make each year at the local level. Last year, we put $4,506,441 into the Western Kentucky region and donated more than 10,157 hours of our time.

Featured story

Featured story

Featured Story Image

My favorite fraternal event

A favorite moment in my career was when I made a difference in my community through a fundraiser for an infant who was diagnosed with several disorders.

Current insights

Current insights

How to Display the Flag - National Flag Foundation

Fly the Stars and Stripes with pride! Check out these tips on how to display the American flag.

Do you have goals and ambitions for your future? If you follow our proven track to success, you’ll gain the financial freedom to lead the lifestyle you choose and the opportunity to lead others. #MWACareers

Want to make a difference right in your own community? At Modern Woodmen, you can make an impact while making an income. Contact me to find out how. #BeTheDifference

Whether you're embarking on your first estate plan or seeking to refine an existing one, rest assured, I'm here to guide you through the entire process.


Contact me

Let’s connect

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.

Your financial goal(s)
I’m interested in learning more about:
Modern Woodmen is licensed to sell life insurance and annuity products in most states. This information should not be considered a solicitation in those states where Modern Woodmen is not licensed.

Securities offered through MWA Financial Services Inc., a wholly owned subsidiary of Modern Woodmen of America, 1701 1st Avenue, Rock Island, IL 61201, 309-558-3100. Member: FINRA, SIPC. Products are available in most states. Individual representatives may not be licensed to sell all products. Check the background on either the firm or the representative on FINRA’s BrokerCheck.

Let’s plan together for…

Please select…

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

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