Woodmen Of The World Life Insurance Society ripsoff clients by having reps replace policies to get commsisions, this company has done it for years, it comes off as this great company that is non-profit, when reality all they do is steal your premiums to benefit their reps and the big guys on top. Omaha Nebraska

 My opinion above has been thought out and I have changed my mind in regard to the above complaint of unethical practices.  The agent friend was doing his duty to provide for his client with the best of his knowledge and ability.  Any misguidance in my comment on the integrity of the company or its representatives is unintentional.  As to my knowledge and belief, Woodmen is a fine company with good people trying to earn a living and help people.  Please accept this retraction.

My mother purchased a policy from woodmen of the world a year ago, the insurance agent was a family friend for years and fortunately is still.  She, my mother, saw the importance of having life insurance for protection of her assets and leaving a legacy behind for her grandchildren.  A phone call to the agent/family friend, para med,  and her policy was in force within a month.  What she had was golden a 50,000 term life policy for twenty years, or so it seemed.  The agent had told her the monthly premiums would never increase.  He LIED.  What he had sold her was a twenty year term with a ten year level premium, after ten years the policy premium doubled in the eleventh year and increased annually by the amount of the original ten year premium.  My mother makes a modest living, this policy would have been financially devastating for her.  I reviewed her policy and was absolutely shocked that a family friend, my friend your "field rep" sold this to my mother!  We had the policy replaced immediately, increasing the face value , death benefit,  to 100,000 with a twenty year LEVEL premium for less than 25 dollars monthly. I still have a great relationship with our family friend as a matter of fact he is a member of our local NAIFA group, i recruited him last month.  It is in my opinion that this company, Woodmen of the World or Modern Woodmen of the World,  is not in the business of changing lives, securing futures or helping policy holders or other clientele reach their goals,  no sadly they are interested only in money.   

Loyalty is a funny thing,

I have been with Woodmen for 6 months. This is what I have seen.

Non Profit- We have replaced all the Flags on our Main st, we have a partnership youth program with the YMCA, we are helping to replace our 9/11 memorial.

Life insurance- This is the general case. Someone is sold a universal policy and to keep the cost down it is sold at the minimum (life agents you know what im talking about). These policies should be sold as guarentee maturity with the customer understanding if they ever miss a payment the policy will not cancel but thier cash value will now be skewed. Most agents dont last 18 months so these customers dont get serviced, people pay about as much attention to thier life policies as they do internal parts to thier fridge. so they get a woodmen appointment and bam "why is there so little cash value my old agent is full of BS and lied to me. BAM policy replaced. Now is this shannanigens, no. This is a customer leaving because they were not taken care of and were given unrealistic expectations by thier now Ex agent.

This story is a load of Garbage. Woodmen are the best Company that i have ever worked for, as far as them being predjudice, thats Garbage also. Its sound like the Guy from Arlington should take a look at his own work ethic. Ask the schools and the community about our charitable programs.Oh and about our policies, I would put them  up against anyone. I am a caucasian and just wrote my African American friend and her entire family, policies and they also went to a lodge meeting and had a blast and their kids are going to youth camp.

I am a field rep with Woodmen and I know for a fact the claims you are making against the organization are false! You said you "worked for this company", so you of all individuals should know you are lying. When you are hired as a rep, you are sent to Omah, NE for a week where the main topic of study is providing your client with what they need. How many other organizations have been around for 120 years and has maintained the same founding principles? I have seen dozens of families impacted by the fraternal benefits alone, not to mention the death benefits. Replacing policies is part of the business, if an agent has questionable morals then that is on him/her alone and not the company as a whole. It doesn't matter what company or organization there will always be someone that should have never been hired. I don't think you can place judgement on everyone else. I came into this business behind a man who had been a rep with Woodmen for 37 years and wrote a ton business over the years. I have met with all of those clients that was left when he retired and the majority of them do not know a thing about their policies or what they have but they do know the character of the agent they have called a friend for all these years and wouldn't have it any other way. I have never heard anyone receive a death benefit check and say that is too much.

After reading what you wrote it is easy to tell that you don't know a good thing when you see it or you would still be working for Woodmen. Which is why you probably can't even tell if your aunt was even helped or not. 

Woodmen of the World (Woodmen) is a leading fraternal benefit society with a 115-year history of serving its members and their families. Today, more than 800,000 members trust in Woodmen to provide insurance protection for their families and loved ones.

While we cannot speculate on any specific situation that may involve your family member, Woodmen would be pleased to review any concern or complaint, and address it in a fair and equitable manner if you provide us with all of the facts.

Regarding the other statements included in your posting, we would like to respond as follows:

The Internal Revenue Service recognizes America's fraternal benefit societies as 501(c)(8), not-for-profit fraternal organizations.

Woodmen is regulated by all applicable state and federal insurance laws, and is licensed by the insurance departments in all states and the District of Columbia. Woodmen does not condone any unethical actions by our sales representatives, who must also be licensed in their respective states.

America's fraternal organizations are among the nation's most active and respected philanthropic groups, providing more than 80 million hours of volunteer community service annually.

In response to the recent hurricanes, Woodmen members volunteered 204,000 hours of service, with an estimated value of $3.5 million. Our members have also contributed $1.2 million in monetary and in-kind donations, provided 175,000 meals to hurricane victims, and served an additional 360,000 meals at shelters and other relief sites.

Woodmen's policy is to seek qualified members on a nondiscriminatory basis and to provide equal access to Woodmen's lodge system, fraternal benefits and activities.

Woodmen is proud to have members and employees from all ethnic, religious and cultural backgrounds, and we believe our organization is strengthened by this diversity.