Have you ever wondered if you’ll have enough income coming in past retirement to survive? Maybe you’ve danced around with the haunting idea of outliving your income. Terry Schmitt understood early on the importance of helping others secure their financial futures both before and after retirement. He partnered up with the non-profit Modern Woodmen Fraternal Financial to give him the tools he needed to be successful and help others achieve financial peace. He brings his members solutions ranging from Retirement Plans to Life Insurance and Annuity Products.

One of the best parts about Modern Woodmen is how much time, money and effort they devote as an organization to giving back. Modern Woodmen focuses on improving lives in your local community. Members such as Terry, volunteer to provide dollars, basic necessities and hands-on labor in the community. Having been a resident of Ormond Beach for the past 12 years, his roots dig deep within the community helping youth groups at church, PAL and Boy Scouts of America. Terry applies that same dedication of giving back to the community in his work and pursuit to persistently find the right retirement and insurance solutions for his members.

“I chose this career because it’s all about helping others. I help my members plan for a secure financial future.”

Here’s a few of the services Terry has to offer through Modern Woodmen (though there’s plenty more!) You can also find more information here.

 Life Insurance

  • Whole Life Insurance
  • Universal Life Insurance
  • Term Life Insurance
  • Return of Premium Rider
  • Term Plans for Children


  •  Fixed Annuities
  • Immediate Annuities

You never know what tomorrow brings – secure your future, today!