Friday, December 22, 2023

Business Spotlight: Tim Graham Modern Woodmen of America

As a Modern Woodmen representative, Tim Graham uses his extensive knowledge of financial products to help his members in Windham plan for a secure financial future.

Tim Graham of Modern Woodmen
of America can help Windham residents
plan for a secure financial future.
Modern Woodmen is a fraternal benefit society that offers a unique blend of financial services, member benefits and community impact designed to improve quality of life for its members and the towns where they reside.

With an office conveniently located at 909 Roosevelt Trail in Windham, Tim Graham of Modern Woodmen of America helps individuals, families, and small businesses meet their financial needs with products such as Life, Long Term Care and Disability insurance and assists members to save through investments and fixed products.

“It’s rewarding to help people plan for their retirement and seeing it happen,” Graham said. “I personally work with members in multiple states as well as right here in Windham and surrounding areas.”

Modern Woodmen is a national company and was established back in 1883 and is turning 140 years old this year.

AM Best, an independent rating agency, has affirmed Modern Woodmen’s A (Excellent) financial strength rating, with a stable outlook. This is the third highest of 13 ratings, assigned to companies that have an excellent ability to meet ongoing insurance obligations.

Graham said that Modern Woodmen of America is a Fraternal Financial Services Company and not-for-profit.

“As we grow, we are able to give back more and help individuals in need and other not-for-profits in our area,” he said. “We are wholistic in our approach to planning. “It means we take risk management seriously with insurances and investments through our Broker Dealer, MWA Financial Services.”

Pricing for Modern Woodmen of America insurance products, fixed interest rates and investments offered through MWA Financial Services is highly competitive, Graham said.

“We don’t put our members in products that are not in their best interest and that don’t meet their financial goals,” he said. “We have a very high retention rate of our products issued with our members. We care about our members and the communities in which we live.”

The Modern Woodmen philosophy is that life insurance is the foundation of planning and offers affordable options for member families including plans specifically designed for children and young adults, and permanent life insurance plans that provide permanent solutions for permanent needs without permanent premiums. Available options from Modern Woodmen of America include Whole Life, Universal Life and Term Life insurance plans.

Graham has been in business for 24 years and for the past 15 years with Modern Woodmen of America.

“We currently have about 20 representatives in the state of Maine, and I manage about 10 of those people,” he said. “Each representative must complete many tasks in order to do business in the state. The Life and Health License is first and then Securities License, which consists of multiple tests in order to be ready to do business.”

According to Graham, the reasons he’s been successful with Modern Woodmen of America in Windham through the years are basic.

“Honesty, integrity, and good morals,” he said. “We believe if you do good things, good things will come around. When it comes to financial planning, we can help you meet your current needs, achieve your future dreams and plan for all stages of life.”

Graham said it’s a daunting challenge to keep up with all the new regulations while staying current with clients and all services available for Modern Woodmen of America members, but it’s something that gives a competitive edge to Modern Woodmen of America.

“We try to stay up to date on current trends and products, however each person is different,” he said. “Some people want guarantees and others want to be in the market. We ask a lot of questions so that we can understand each individual’s situation. Guarantees are popular right now, but again, everybody is different.”

For more details about how Tim Graham of Modern Woodmen of America can help you plan for a comfortable retirement, visit or call 207-892-0302. Find them on Facebook under Tim Graham Modern Woodmen of America. <

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