Become a Member

LCBA (Loyal Christian Benefit Association), founded in 1890, is a fraternal life insurance society: a not-for-profit organization that operates under the "common bond" of Christianity and returns earnings from the sale of financial service products to our members in the form of discount/value added benefits and support service projects through our member branches in their communities.

Like for-profit life and health insurers, LCBA offers insurance products and is chartered in accordance with and under the supervision of state insurance law.

How to Join LCBA

By purchasing a life insurance or annuity product through our LCBA Agency or through a funeral home offering our pre-arrangement funding products you become a member, joining more than 33,000 members across 35 states and the District of Columbia. You can also become an “associate” member of a local LCBA Branch to join them in their community support activities.

Interested?

Call our Outreach Support Hotline at 800-234-5222 and ask about becoming an LCBA member.

Why Join LCBA?

  • Chances are you’ll need to purchase a life insurance, annuity, or other insurance product in your lifetime. Through LCBA you have access to the best insurance and annuity products available today – products you can count on while you help make our world a better place.

  • We offer competitive life insurance and annuities. Additionally, we offer Funeral Pre-Arrangement Funding products primarily through agents affiliated with funeral homes in Pennsylvania, Ohio, Kentucky and Florida.

  • LCBA returns earnings from the sale of financial service products to our members in the form of discount/value added benefits and support service projects through our member branches in their communities. Commercial providers use net proceeds largely to pay shareholders.

  • Our Life Insurance Strategists™ are here to answer any questions you may have about LCBA’s products or if you are a member, concerns about your existing policy. Because our Life Insurance Strategists are not commission based their first priority is to help answer your questions so that you can make an informed decision regarding what product fits your lifestyle the best.